Haryana government has introduced Aatmnirbhar Haryana Loan Scheme to grant loan amount of Rs. 15,000 to small business owners from Haryana so that they can kick start their business in the boundaries of the state. Under this scheme, around 3 lakh poor people will be receiving this loan amount.
Through this initiative, they will be commencing their business at 2% interest rate. Under Haryana DRI scheme, loans are granted to poor people at a 4% rate of interest, but now people will be getting Aatmnirbhar Haryana Loan at 2% interest. The Haryana government will bear the remaining 2% interest. Aatmnirbhar Haryana Loan Scheme would lay a strong foundation for the small business owners.
Amid COVID-19 lockdown, many small businesses have gone through major suffering, and most of them failed to revive their businesses as well. These businesses are all set for the revival and reconstruction of their small businesses through this loan scheme. All thanks to the progressive initiative, Aatmnirbhar Haryana Loan Scheme by Chief Minister of Haryana, Shri Manohar Lal Khattar led-government. Poor small businessmen of the state are the beneficiaries of this state government scheme.
Objectives of Aatmnirbhar Haryana Loan Scheme
The objectives of Aatmnirbhar Haryana Loan Scheme are showcased below-
- Through this scheme, the Haryana government aims to support small businesses in Haryana by giving a loan of Rs. 15,000.
- The objective of this scheme is to empower small business financially.
- Another significant objective is to help 3 lakh, poor people of Haryana, by giving them a loan at 2 % interest rate.
- The purpose behind this Yojana is to grant a loan of Rs. 15 thousand directly into the beneficiaries’ bank account.
- Thus, it’s mandatory for all the applicants to have a bank account.
- One of the vital objectives is to lay a strong foundation for the revival and reconstruction of small business.
Key Points about the Scheme
- Under DRI Yojana, a loan amount of Rs 15000 will be rendered by the government of Haryana to the small businesses of the state by the bank.
- Around 3 lakh poor people of the state can proceed ahead to avail Aatmnirbhar Haryana loan scheme to initiate their small businesses at just 2% interest rate.
- This scheme endeavours to ensure income to the low-income families of the state.
- In DRI scheme, the loan is provided at a 4% interest rate. The borrower would have to pay 2% interest rate, while the state government will bear the remaining 2%.
- The funds conferred under this scheme will be straightaway transferred to the bank account of the beneficiaries.
Atmanirbhar Haryana Portal
The Chief Minister of Haryana State has started Atmanirbhar Haryana portal to make the folks of the state self-reliant. Through this portal, people will be getting affordable loans without any collateral easily, and the Haryana government will bear 2 % of the interest charged on the loan amount. Three types of loans can be provided to applicants through the portal. Beneficiaries will be receiving three types of loans via Atmanirbhar Haryana portal.
The three types of loans are mentioned below-
If you are all set to take a loan with the help of this portal and get yourself registered online, now this option has been initiated. Those who are planning to register themselves on the Atmanirbhar Haryana Portal or seeking knowledge regarding the eligibility as well as benefits concerning the loans available via this portal, stay tuned with us throughout the blog.
Talking about the portal, Chief Minister of Haryana, Manohar Lal Khattar also made a significant announcement in which he pointed out that the Haryana government will bear the interest of all the students who grasped loans before 1st of January, 2015 from April 2021 to June 2021.
Eligibility Criteria for DRI Scheme
- To apply under the Differential Rate of Interest (DRI) scheme, the applicant should be a native of Haryana State.
- Also, the families’ annual income applying for this scheme in the rural areas should be Rs 18000 per year, and in case of the urban regions, the annual income must not go beyond the limit of Rs 24000 per year.
- If the beneficiaries lack another source of finance and DRI loan is present, they may go ahead for applying under this scheme.
- Those who haven’t received any form of support under any subsidy linked scheme of Central / State Government & State-owned corporations will be deemed eligible under DRI scheme.
- If the applicant is the owner of any kind of land and has more than 1 acre in the case of irrigated land and in the case of non-irrigated land if he has more than 2.5 acres, then he won’t be counted eligible under this Differential Rate of Interest (DRI) scheme.
- Scheduled Caste / Scheduled Tribe citizens are eligible for loans, irrespective of the land, provided they satisfy other eligibility criteria.
- The applicant must not be a defaulter of the loan taken in the past course of time, otherwise he will not be considered eligible under DRI scheme.
Eligibility Criteria for Shishu Loan under MUDRA
- If the applicant is a resident of Haryana, he can apply under the Shishu Loan scheme.
- Non-agricultural enterprises engrossed in trade, manufacturing, and services activities to meet their objectives of income generation will be eligible under this scheme. (Only Micro and Small Enterprises (MSE) under MSMED Act 2006)
- The applicant can also be a partnership firm, proprietary, and individual, LLP (limited liability partnership), private, public limited company or other legal entities.
- If the applicant is a defaulter of the loan taken in the past, then it means that he is not fulfilling the eligibility criteria to take a loan under this scheme.
- The applicant should be an inhabitant of Haryana to apply under this scheme.
- The Aatmnirbhar Haryana loan scheme is applicable to those students who are unable to repay their instalments because of COVID-19 or interest in the course of moratorium period of the loan, i.e., from April 2021 to June 2021.
- Students must not be a defaulter of the loan taken in the past course of time.
- Firstly, you would have to visit the official website of Atmanirbhar Haryana portal.
- In the next step, the home page of the website will emerge out in front of you.
- After opening the home page of the website, you would have to click on the option of “Book Bank Slot”. Then, a form will come out in front of you.
- In this form, you would have to enter the details of the information inquired, such as name, mobile number, IFSC code, date, etc.
- After entering all the mandatory information, you would have to click on the “Apply Slot” button.
- As reported till 28th August 2020, 8968 bank slots have been booked by beneficiaries via the Atmanirbhar Haryana portal.
- At the initial level, you would have to contact the bank branch nearest you with all mandatory documents.
- In the bank branch, you would have to get the application form under the Aatmnirbhar Haryana loan scheme from the concerned officer.
- Here, you would have to enter all the information in this application form such as: – Name, father’s name, Residential place and details related to other significant information.
- After that, you have to attach all the mandatory documents and deliver it to the bank officer by linking them with the form.
- Bank officials would go through your form, and the loan amount will be eventually transferred to your bank account.
- Bank Account
- Identity Card
- Passport Size Photo
- Mobile Number
- Certificate of Residence
- Aadhaar Card of Applicants
Eligibility Criteria for Education Loan
How to Get DRI Loan on Atmanirbhar Haryana Portal?
Step 1- In the first step, you need to visit the official website of Atmanirbhar Haryana Portal-https://atmanirbhar.haryana.gov.in/
Step 2- After that, you will see the bank loan (बैंक ऋण) option. You need to click over there for proceeding ahead in the process.
Step 3- Then, you will reach that page from where you can apply for DRI Loan. There, you can opt for your bank, district/UT, along with the branch.
Step 4- In the same page, you can click on proceed ahead to move in the forward direction.
How to Apply for Shishu Loan under MUDRA?
Step 1- Firstly, you need to take a tour of the official website of Atmanirbhar Haryana Portal and the home page will appear in front of you. – https://atmanirbhar.haryana.gov.in
Step 2- In this form, you have to fill the details such as the selection of loan type, selection of Shishu Loan under Mudra, bank selection, selection of district and branch.
Step 3- Now you would have to read the eligibility as it will appear in front of you- “I have read the eligibility criteria & understood it. I fulfill all the eligibility criteria for availing DRI scheme as well as interest rebate by the Haryana government as stated above.” Hit on the check box.
Step 4- After going through all the information, you need to click on the button of the procedure. Eventually, the next page will appear in front of you.
Step 5– On this page, you would have to verify your one-time password by entering your Aadhaar number.
Step 6- In this manner, your application for Shishu loan under Mudra will be successful.
How to Apply for Education Loan?
Step 1- Firstly, you need to visit the official website of the Atmanirbhar Haryana Portal. After that, you will find that the home page of the website will be out in front of you.
Step 2- After reaching the home page of the website, you would have to click on the option to “Apply for Bank Loan”. Then, a form will arrive in front of you.
Step 3- In this form, you have to provide the information asked like- opting for loan type, selection of education loan, selection of bank, district, as well as the selection of branch.
Step 4- You have to read the eligibility-related point like- “I have read the eligibility criteria & understood it. I fulfill all the eligibility criteria for availing the Differential Rate of Interest scheme and interest rebate by the Government of Haryana, as affirmed above. ” You can click on the check box.
Step 5- After going through all the information and looking at all the minute details, you have to click on the button of the procedure. Then, the next page will be displayed in front of you.
Step 6- On this page, you would have to verify your OTP by entering your Aadhaar number.
Step 7- Finally, your application for education loan will be successfully completed.
How to Book Bank Slot on Atmanirbhar Haryana Portal?
How to Apply for Postal Banking Services?
Step 1- Initially, you have to move to the official website of the Atmanirbhar Haryana portal.
Step 2- In this step, the home page of the website will emerge in front of you.
Step 3- After landing on the home page of the website, you would have to click on the option of “Postal Bank Services.”
Step 4- In the next step, a form will open in front of you.
Step 5- In this form, you would have to enter details such as- Name, Mobile, District, City, Amount, Pin code, Address etc.
Step 6- After pouring down all the needed information, you would have to click on the “Apply” button.
Step 7- You will get information about Access Postal Banking Service by following all the steps in sequence.
How to Apply for Aatmnirbhar Haryana Loan Scheme?
All those interested individuals who want to apply under the Aatmnirbhar Haryana Loan Scheme should follow the easy steps mentioned below-
Mandatory Documents to Apply Online
The mandatory documents to apply online for Aatmnirbhar Haryana Loan Scheme are-
Role of Aatmnirbhar Sena
At Aatmnirbhar Sena, we shall work relentlessly towards increasing the awareness about Aatmnirbhar Haryana Loan Scheme and Atmanirbhar Haryana Portal amongst the impoverished and financially weak crowd of Haryana. Lending selfless assistance is our priority, and thus, we are gearing up to assist those who are willing to benefit from the project.
Summing Up
Aatmnirbhar Haryana Loan Scheme, an offering of Haryana government, is in place and people have started receiving benefits from the scheme. The intent behind the formulation of this scheme is to craft the future of small business owners setting up or have already established their businesses within the geographical boundaries of Haryana. At Aatmnirbhar Sena, we are working selflessly towards the upliftment of society, and even a small contribution from our side would play a significant part in transforming society.
