Contribution towards Share Capital to Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam

What is the Contribution towards Share Capital to the BC and EWS Kalyan Nigam?

Contribution towards Share Capital to the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam is a state budget-head scheme under the Directorate of Welfare of Scheduled Castes and Backward Classes, part of Haryana's SEWA department. Under this head the Government of Haryana subscribes equity capital into the Nigam so that the Nigam has money to lend.

Read that sentence carefully, because it decides whether this page is useful to you. The share capital contribution has no citizen application, no beneficiary list and no individual sanction. It is the state paying money into a corporation it owns. What a Backward Class family in Haryana can actually apply for is one of the Nigam's loan schemes, and those are described further down this page.

The parallel head for Scheduled Castes is the Contribution towards Share Capital to the Haryana Scheduled Castes Finance and Development Corporation, which works the same way on a 51:49 state-and-Centre pattern.

What is the Haryana BC and EWS Kalyan Nigam?

The State Government set up the Backward Classes and Economically Weaker Sections Kalyan Nigam in December 1980 for the socio-economic development of Backward Classes. The Nigam, often written HBCKN, provides financial assistance to Backward Classes and economically weaker sections under various income generating schemes.

Its published record of work:

• Rs 9,325.89 lakh lent to 68,697 persons belonging to Backward Classes and minority communities between 1980-81 and 2007-08.
• 1,344 Backward Class borrowers assisted in 2019-20.
• From 2008-09 onwards, minority welfare work was transferred to the Social Justice and Empowerment Department, so the Nigam now concentrates on Backward Classes and economically weaker sections.

The Nigam's office is at SCO 813-814, Sector 22A, Chandigarh-160022, and its loan services are listed for online, by-hand and kiosk submission on the Antyodaya Saral platform.

Who is eligible under this scheme?

The recipient of the share capital contribution is the Nigam. There is no individual eligibility to establish, because the head is an equity subscription approved through the state budget.

You can apply for the Nigam's loan schemes if:

• You belong to a Backward Class notified in Haryana, or fall within the economically weaker section category the Nigam serves, and hold the relevant certificate.
• You are a resident of Haryana with a Parivar Pehchan Patra (Family ID).
• Your annual family income is within the ceiling of the specific scheme. NBCFDC, which refinances these lines, publishes an eligibility ceiling of Rs 5.00 lakh annual family income for its individual, group and education loan schemes.
• You are a citizen of India and are applying as an individual, which is how the Saral service description defines the applicant.
• You have no outstanding default with the Nigam or a bank.

You cannot apply, or are not eligible, if:

• You are seeking the share capital contribution itself. Individuals cannot apply for it in any circumstances.
• You belong to a Scheduled Caste rather than a Backward Class. SC applicants are served by the Haryana Scheduled Castes Finance and Development Corporation under its own head.
• You are not a Haryana resident.
• Your family income exceeds the scheme's ceiling as recorded on the Parivar Pehchan Patra.
• You are a defaulter on an earlier Nigam or bank loan.
• You are applying on behalf of a firm or society rather than as an individual, where the scheme is framed for individual borrowers or self-help groups.

Which loan schemes does this share capital fund?

The Nigam's published services on the Antyodaya Saral portal include:

• Term Loan Scheme for Backward Classes: general-purpose finance for income-generating activity.
• Saksham Scheme for Backward Classes.
• New Swarnima Women Scheme for Backward Classes, women-specific finance.
• Shilp Sampada Term Loan Scheme for Backward Classes, for traditional artisan and craft trades.
• Education Loan Scheme for Backward Classes.
• Micro Finance / Credit Line schemes, including a line historically operated for minority community borrowers before that work moved departments.

Refinance for these lines comes from the National Backward Classes Finance and Development Corporation (NBCFDC). NBCFDC's published loan terms are:

State-level schemes operated by the Nigam may carry tighter limits than the apex ceiling, and both limits and rates are revised periodically. Treat the table as the apex framework and confirm the operative figure for your scheme with the Nigam before fixing a project cost.

How to apply for a loan funded by this share capital

1. Pick the right scheme: Term Loan, Saksham, New Swarnima for women, Shilp Sampada for artisan trades, or the Education Loan Scheme — because each has its own service entry and its own conditions.
2. Check your Parivar Pehchan Patra shows the correct Backward Class category and a family income within the ceiling. Correct it at meraparivar.haryana.gov.in first if it does not, because Haryana verifies from this record.
3. Register on saralharyana.gov.in with your mobile number and email, or visit an Antyodaya Saral Kendra or a CSC kiosk. The Saral service description records that applications can be made online, by hand or through a kiosk.
4. Open the Nigam's service under Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam and fill the application, entering the activity you plan to finance and its estimated cost.
5. Attach the documents: Backward Class certificate, Family ID, Aadhaar, residence proof and bank passbook, and submit.
6. Save the Saral reference ID from the acknowledgement. This is the only number that tracks the file.
7. Complete the verification when the Nigam's staff or the sponsoring bank contacts you, and keep the premises and any quotations ready for inspection.

How do I check the status of a Nigam loan application?

1. Log in to saralharyana.gov.in and open Track Application Status.
2. Enter the department as the Haryana Backward Classes and EWS Kalyan Nigam, select the scheme, and enter the Saral reference ID.
3. Use the Track Ticket or SMS facility on the same portal if the status page does not respond.
4. For a file that has moved to a bank, ask the sponsoring branch directly, since the sanction decision sits with the bank on tied schemes.

There is no status tracking for the share capital contribution head itself, because it is not an application-based scheme.

Why do Nigam loan applications get rejected?

• Category mismatch on the Family ID, where the Parivar Pehchan Patra does not record the Backward Class status the certificate shows.
• Family income above the scheme ceiling on the Family ID record.
• Existing default with the Nigam or a bank.
• Incomplete activity details, particularly no premises, no quotation and no evidence of experience in the trade.
• Wrong scheme chosen, for example a woman applicant filing under the general term loan when New Swarnima suits better, or an artisan not using Shilp Sampada.
• Documents uploaded illegibly on Saral, which is the most common technical rejection.

Fixes are administrative in almost every case: update the Parivar Pehchan Patra, get a fresh Backward Class certificate through Saral, re-scan documents at higher quality, and refile under the correct scheme.

Where do I get help or complain?

• Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam, SCO 813-814, Sector 22A, Chandigarh-160022.
• Antyodaya Saral helpline 0172-3968400, toll-free 1800-2000-023, open on all days from 7 am to 8 pm except Sundays and government holidays, for problems with the online application.
• Directorate of Welfare of Scheduled Castes and Backward Classes, Bays No. 53-54, Kalyan Bhawan, Sector 2, Panchkula-134109 to 0172-2564006, 0172-2567009, email dbcharyana[at]gmail[dot]com.
• Haryana Backward Classes Commission, SCO 20-27, 2nd Floor, LIC Jeevan Deep Building, Sector 17A, Chandigarh, 0172-2710026.

No fee is payable to any agent for a Nigam loan. Applying on Saral is free apart from any notified kiosk service charge, and no one can charge for "getting a loan sanctioned".