Aatmnirbhar Haryana Loan Yojana :Benefits Revealed
Are you a small business owner in Haryana struggling to find financial support? The Haryana government has launched a new scheme in 2024 aimed at helping individuals like you. The Aatmnirbhar Haryana Loan Yojana offers loans at very low-interest rates to those in need. This comprehensive guide will walk you through everything you need to know about this scheme—how to apply, who is eligible, and what benefits you can expect.
Introduction to Aatmnirbhar Haryana Loan Yojana 2024
In response to the economic challenges faced by small businesses due to the COVID-19 pandemic and subsequent lockdowns, the Haryana government has introduced the Aatmnirbhar Haryana Loan Yojana. This initiative is designed to provide financial assistance to small business owners and entrepreneurs in Haryana. The aim is to help them restart their businesses or expand existing ones.
Why This Scheme Matters
Small businesses are the backbone of Haryana’s economy. Many of these businesses struggled during the pandemic. To support these enterprises, the government is offering a loan of Rs. 15,000 at an incredibly low interest rate of just 2%. This initiative not only helps individuals start or grow their businesses but also boosts the overall economic recovery of the state.
Key Features of the Aatmnirbhar Haryana Loan Yojana
Here are some essential features of the loan scheme:
- Loan Amount: Rs. 15,000
- Interest Rate: 2% (Government bears the remaining 2% of the interest)
- Eligibility: Targeted at small business owners and individuals with low income
- Beneficiaries: Approximately 3 lakh poor individuals
Key Benefits
- Low-Interest Rates: The government subsidizes half of the interest, making the loan affordable.
- Financial Aid: Immediate financial support to help restart or expand a business.
- Broad Reach: Designed to benefit around 3 lakh individuals across Haryana.
Eligibility Criteria
To qualify for the Aatmnirbhar Haryana Loan Yojana, you must meet the following criteria:
For DRI Loan
- Residency: Must be a permanent resident of Haryana.
- Income: Rural applicants should have an annual family income of Rs. 18,000, and urban applicants should not exceed Rs. 24,000.
- Land Ownership: Should not own more than 1 acre of irrigated land or 2.5 acres of non-irrigated land.
- Loan History: Should not be a defaulter of any previously taken loan.
For Shishu Loan
- Residency: Must be a resident of Haryana.
- Business Type: Non-agricultural enterprises engaged in manufacturing, trading, or service activities.
- Loan History: Should not be a defaulter of any previously taken loan.
For Education Loan
- Residency: Must be a resident of Haryana.
- Education Loan History: Must be a student who has not been able to repay the loan due to the pandemic.
How to Apply
Applying for the Aatmnirbhar Haryana Loan Yojana is straightforward. Follow these steps to get started:
Online Application Process
- Visit the Official Website: Go to the Aatmnirbhar Haryana Portal.
- Select Loan Type: Choose between DRI Loan, Shishu Loan, or Education Loan.
- Fill Out the Form: Enter your details, including Aadhaar number and bank information.
- Verify Your Information: Use OTP verification for your Aadhaar number.
- Submit Your Application: Click the submit button to complete the process.
Application Process for DRI Scheme
- Go to the Official Portal: Navigate to the Atmanirbhar Haryana website.
- Choose DRI Loan: Select DRI Loan from the options.
- Provide Details: Fill out the form with your details.
- Verify and Submit: Confirm your information and submit your application.
Application Process for Shishu Loan
- Visit the Official Website: Go to the Atmanirbhar Haryana Portal.
- Select Shishu Loan: Choose Shishu Loan from the loan type box.
- Complete the Form: Enter your details and verify your Aadhaar number.
- Submit Your Application: Click the proceed button.
Application Process for Education Loan
- Access the Official Portal: Visit the Atmanirbhar Haryana website.
- Choose Education Loan: Select this option in the loan type box.
- Fill Out the Form: Provide required details and verify your information.
- Submit Your Application: Complete the submission process.
Required Documents
To apply for the Aatmnirbhar Haryana Loan Yojana, you will need the following documents:
- Aadhaar Card
- Bank Account Details
- Address Proof
- Identification Card
- Mobile Number
- Passport Size Photograph
Table of Documents
| Document | Description |
|---|---|
| Aadhaar Card | Proof of identity |
| Bank Account Details | To receive the loan |
| Address Proof | Verification of residence |
| Identification Card | Additional proof of identity |
| Mobile Number | For communication |
| Passport Size Photo | For application form |
Additional Announcements
In addition to the Aatmnirbhar Haryana Loan Yojana, the Haryana government has also made other important announcements:
- Interest Waiver on Education Loans: A three-month interest waiver for students affected by the pandemic. This benefits around 36,000 students with an outlay of Rs. 40 crore.
- Interest Waiver on Shishu Mudra Loans: The government will bear 2% interest on loans up to Rs. 50,000 under the Mudra scheme, benefiting 5 lakh individuals.
Key Takeaways
- The Aatmnirbhar Haryana Loan Yojana provides Rs. 15,000 loans at just 2% interest.
- The scheme is designed to support approximately 3 lakh small business owners and individuals.
- Eligibility includes residency requirements, income limits, and loan history checks.
- Application is simple and can be done online with basic documentation.
Quotes from Beneficiaries
“The Aatmnirbhar Haryana Loan Yojana has been a lifeline for my small business. The low-interest rate made it possible for me to restart operations after the pandemic.” – Rajesh Kumar, Small Business Owner
“I was struggling to manage my education expenses due to the pandemic. The three-month interest waiver has provided much-needed relief.” – Anjali Sharma, Student
FAQs
1. What is the Aatmnirbhar Haryana Loan Yojana?
The Aatmnirbhar Haryana Loan Yojana is a government scheme offering loans of Rs. 15,000 to small business owners and individuals at a low interest rate of 2%.
2. Who is eligible for this loan?
Eligibility varies depending on the type of loan. Generally, you need to be a resident of Haryana with specific income and land ownership criteria.
3. How can I apply for the loan?
You can apply online through the official Aatmnirbhar Haryana Portal. Select the type of loan you need and follow the application process.
4. What documents are required for the application?
You will need an Aadhaar card, bank account details, address proof, identification card, mobile number, and a passport-size photograph.
5. Are there any other benefits included in the scheme?
Yes, the scheme also includes interest waivers on education loans and Shishu Mudra loans, providing additional financial relief.
6. How long does it take to process the application?
The processing time can vary, but most applications are reviewed and processed within a few weeks.
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Please note: This article is intended for informational purposes and is based on the latest available information about the Aatmnirbhar Haryana Loan Yojana 2024. Always refer to the official website or contact the relevant authorities for the most accurate and up-to-date details.