Divyangjan Swavalamban Yojana Haryana: PwD Business Loans

Overview

The Divyangjan Swavalamban Yojana is a Haryana state government scheme that provides financial assistance to Persons with Disabilities (PwD) to set up small businesses in the service or trading sector. Implemented through the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam or equivalent welfare department, it empowers Divyangjan to become self-reliant entrepreneurs.

Objective

The scheme recognizes that Persons with Disabilities often face employment barriers in traditional job markets. By supporting self-employment through affordable business loans, the government aims to give PwD individuals the tools to generate their own livelihood and participate in economic activity on their own terms.

Benefits

• Loans at concessional interest rates for setting up small service or trading businesses
• Loan covers startup costs such as inventory, equipment, or workspace setup
• Subsidy component available for specific categories of PwD beneficiaries
• Simple loan processing with support from the welfare department

Eligibility

• Must be a Person with Disability with a valid disability certificate (minimum 40% disability)
• Must be a resident of Haryana
• Age between 18 and 55 years
• Annual family income within the prescribed limit
• Should have a viable business idea in the service or trading sector
• Should not be a defaulter on any previous government loan

Exclusions

• Persons without a valid disability certificate are not eligible
• Non-residents of Haryana cannot apply
• Individuals with income above the prescribed threshold
• Those who have already availed of a similar self-employment scheme in Haryana
• Manufacturing sector ventures (the scheme is limited to service and trading)

Application Process

1. Visit the District Welfare Office or the Haryana BOCW/Welfare department office
2. Obtain and fill in the application form for Divyangjan Swavalamban Yojana
3. Attach disability certificate, income certificate, and business details
4. Submit the completed application to the concerned office
5. After verification and approval, the loan is disbursed to the applicant’s account

Documents Required

• Disability certificate (minimum 40% disability from a recognized medical authority)
• Aadhaar card
• Proof of residence in Haryana
• Income certificate
• Business proposal or description of the intended activity
• Bank account passbook
• Passport-size photographs