Saksham Scheme for Backward Classes (Haryana)

What is the Saksham Scheme for Backward Classes in Haryana?

Saksham Scheme for Backward Classes is a citizen service of the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam. The state corporation set up in December 1980 under the Department of Welfare of Scheduled Castes and Backward Classes for the socio-economic development of Backward Classes in Haryana. Saksham means "capable", and the scheme's purpose is to make Backward Class applicants capable of earning independently, through concessional credit for a trade, a service unit or the equipment behind one.

The Antyodaya-SARAL service record is unambiguous about the administrative facts. The service is defined by the Kalyan Nigam as the line department, it is a G2C (government-to-citizen) service, only an individual may apply, registration on the portal is required, and it carries the SARAL service ID 10000004. Applications may be submitted online, by hand, or through a SARAL Kendra, and the address on record for hand submission is SCO 813-14, Sector 22-A, Chandigarh, PIN 160022. On completion the applicant receives an output certificate or report as the service deliverable.

On money, the picture needs a caveat and it is better to state it plainly than to paper over it. The scheme description published for Saksham on the myScheme portal shows loans of up to Rs 15,00,000 at roughly 6% to 8% a year, for applicants aged 18 to 55 who are permanent residents of Haryana, belong to a notified Backward Class, hold a Parivar Pehchan Patra, and whose annual family income does not exceed Rs 3,00,000 in rural or urban areas. Those are the same parameters published for the Nigam's Term Loan Scheme. The Nigam does not publish a separate rate card, ceiling or repayment table for Saksham on its own website, hbckn.org.in.

The practical reading is this: Saksham is a named application route into the Kalyan Nigam's individual lending, not a differently priced product. If you are planning around a specific loan amount or interest rate, get it confirmed at the district office before you build a project report on it.

Behind the Nigam sits the National Backward Classes Finance and Development Corporation (NBCFDC) under the Ministry of Social Justice and Empowerment, for which the Kalyan Nigam is Haryana's state channelising agency. NBCFDC's Pattern of Finance effective 1 April 2025 governs what the Nigam can lend: Rs 25 lakh maximum per beneficiary, family income up to Rs 5 lakh, an NBCFDC share of 85% against 15% from the channel partner or beneficiary, beneficiary interest of 7% a year up to Rs 1.25 lakh and 8% a year above it, repayment over four years and seven years respectively, a one-quarter moratorium, and a 1% timely-payment rebate shared equally between the channel partner and the borrower.

One clarification worth making early, because it costs readers time: this scheme is not Saksham Yuva Yojana, Haryana's unemployment-allowance and honorarium scheme for educated unemployed youth run by the Employment Department, and it is not Mukhyamantri Saksham Yojana, a school scholarship. The three share a name and nothing else.

Key features

• Credit route for Backward Class residents of Haryana, not a grant.
• Published parameters: up to Rs 15 lakh, roughly 6% to 8% a year.
• Age 18 to 55, family income up to Rs 3 lakh, Family ID required.
• SARAL service ID 10000004; registration on the portal mandatory.
• Application accepted online, by hand and at SARAL Kendras.
• No fixed delivery timeline published for the service.

Who is eligible for the Haryana Saksham Scheme for Backward Classes?

You can apply if:

• You belong to a Backward Class notified in Haryana and hold the certificate from the competent authority.
• You are a permanent resident of Haryana.
• You are between 18 and 55 years of age.
• Your annual family income does not exceed Rs 3,00,000, applied the same way in rural and urban areas.
• You hold a Parivar Pehchan Patra (Family ID) with correct income and member details.
• You are an individual applicant. The SARAL record limits this service to individuals, so firms, societies and groups cannot use it.

You cannot apply, or you are not eligible, if:

• You do not belong to a notified Backward Class in Haryana. Scheduled Caste applicants go to the Haryana Scheduled Castes Finance and Development Corporation; minority-community applicants use the Nigam's separate NMDFC credit lines.
• You are not a resident of Haryana.
• You are under 18 or over 55 on the date of application.
• Your family income exceeds the published limit as read from your Family ID.
• You are applying as a group, society or firm rather than as an individual.
• You are a defaulter on an earlier Kalyan Nigam, NBCFDC or bank loan.
• You are looking for an unemployment allowance, that is Saksham Yuva Yojana at hreyahs.gov.in, a completely different scheme.

What documents are required?

The SARAL service record itself says the applicant "does not have to provide any documents (enclosures/annexures)" at the portal stage. Do not read that as meaning no paperwork exists — it means the online form does not force uploads. The Kalyan Nigam district office verifies originals before sanction, and the list above is what it will ask for.

How to apply for the Saksham Scheme for Backward Classes

1. Correct your Parivar Pehchan Patra at meraparivar.haryana.gov.in first. Every Haryana SARAL service reads income and family details from this record, and a wrong entry is the commonest reason a valid applicant is filtered out.
2. Collect and self-attest the papers; Backward Class certificate, Haryana residence proof, income certificate, Aadhaar, age proof and bank passbook.
3. Register on saralharyana.gov.in using your name, mobile number and email, and verify with the OTP. The service record confirms registration is compulsory.
4. Open service ID 10000004, "Application for Saksham Scheme for Backward Classes", listed under the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam.
5. Fill the form with your Family ID and the details of the activity you want financed, submit it, and save the application reference number.
6. Attend the Kalyan Nigam district office when called, with originals, for verification, appraisal of the activity and completion of surety and agreement formalities.

If you prefer not to file online, the same application may be handed in at an Antyodaya SARAL Kendra or at the Nigam's head office at SCO 813-14, Sector 22-A, Chandigarh 160022. Working through the district office covering your district is usually quicker, since that is where the appraisal is done.

How do you check the status of the application?

Track it on saralharyana.gov.in through Track Application Status, using the reference number issued at submission. The SARAL helpline accepts the same number over the phone.

For sanction and disbursement, the record sits with the Nigam. Call the district office, or the head office on 0172-2701074 or 0172-2701722, and quote the application number. hbckn.org.in carries a loanee login for borrowers to view their own account, and lists 0172-4784040 as the technical support line for the website.

Set expectations realistically: the SARAL record shows no committed number of days for this service, so follow up rather than wait.

Why do Saksham applications get rejected?

• Family ID income does not match the income certificate. Fix the Family ID record before applying.
• Backward Class certificate from another state or naming a caste not on Haryana's notified list.
• Age outside 18 to 55 on the date of application.
• No usable activity described. The Nigam appraises whether the activity can repay the loan; a one-line answer will not survive that.
• Applied as a group or firm when the service is restricted to individuals.
• Surety not arranged for the sanctioned amount, which stalls files after approval rather than before it.
• Existing default on a Nigam, NBCFDC or bank loan in the family.
• Wrong scheme entirely, applicants who wanted the unemployment allowance under Saksham Yuva Yojana and applied here instead.

Where do you complain?

Start with the grievance option on saralharyana.gov.in, quoting your application reference number. That is the correct route for a file stuck in the online workflow.

Escalate to the Managing Director, Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam, SCO 813-14, Sector 22-A, Chandigarh 160022, on 0172-2701074 or 0172-2701722, or by email at hbckn222@gmail.com.

Beyond the Nigam, the Haryana Chief Minister's Window at cm-window.haryana.gov.in accepts grievances across departments, and the parent Department of Welfare of Scheduled Castes and Backward Classes is the administrative authority. The Antyodaya SARAL helpline on 1800-2000-023, and the alternative line 0172-3968400, run 7 am to 9 pm for scheme queries.