Subsidized Scheme for Widows: Haryana Women Development Corporation
At a Glance
Scheme Category
Women and Child,Banking,Financial Services and Insurance
Target Beneficiaries
Individual
Brief Description
The scheme aims to provide financial assistance to Haryana Domiciled Widow, Divorced, and Legally Separated Women. Through this scheme, a subsidy on the total loan is provided.
Benefit Type
Cash
Eligibility Criteria
1. The applicant must be a Haryana-domiciled widow, divorced, or a legally separated Woman. 1. The applicant&39;s annual income should not exceed ₹3,00,000/- per annum. 1. The age of the prospective beneficiary should be between 18 and 55 years at the time of applying for the loan.
Application Mode
Online
Application Process
> Registration Process on Antyodaya-SARAL Portal: Step 1: Visit the Official Portal: <nis:link nis:type=webUrl nis:id=slugId nis:text="Antyodaya-SARAL Portal." nis:value=https://saralharyana.gov.in/ nis:enabled=true/> Step 2: For registration, click on “New User/Register Here” and fill in all the mandatory details i.e. Name, Email ID, Mobile Number & password. Click on ‘Submit’. Step 3: Verify the OTP received in the provided Email and Mobile Number. Alternatively, click on the Verification Link to activate the profile. > Login to Apply for the Scheme: Step 1: Visit the Official Portal: <nis:link nis:type=webUrl nis:id=slugId nis:text="Antyodaya-SARAL Portal." nis:value=https://saralharyana.gov.in/ nis:enabled=true/> Step 2: The “Sign in here” option is available on the right side of the screen. Fill in the required credentials and click on the ‘Login’ button. Step 3: In the opened window, click on “Scheme/Services list” and a list of schemes will appear on the screen. Step 4: Now, select the scheme and click on “Apply for Service/Scheme”. Step 5: Fill in all the details in the online application form and click on "Submit". > Track Your Service Online: - Track Application/Appeal: <nis:link nis:type=webUrl nis:id=slugId nis:text="Click here" nis:value=https://status.saralharyana.nic.in/ nis:enabled=true/>. - Track Ticket: <nis:link nis:type=webUrl nis:id=slugId nis:text="Click here" nis:value=https://eticketing.saralharyana.nic.in/CitizenViewComplaints.aspx nis:enabled=true/>. > Track Your Service Through SMS: - Registered Mobile Number: Type SARAL and send to 9954699899 to track your application. - Other Mobile Number: Type SARAL<space><Application ID/Ticket No.> and send to 9954699899 to track your application/ticket. > Contact Us: Helpline: 0172-3968400 Email: saral.haryana@gov.in > Fees For Service: - Government Charges: ₹0 (No Fee) - Service Charges: ₹10 - Atal Seva Kendra Charges: ₹10
Required Documents
- Bank Account Statement
- Family ID/PPP (Parivar Pahchan Patra)
- Domicile Certificate/Haryana Residence Certificate
- Interest Subvention Document
- Photograph of the Applicant
- Husband Death Certificate (for widows)
- Divorce Legal Paper (for divorced women)
- Legally Separated Document (for legally separated women)
FAQs
What is the objective of this scheme by the Women & Child Development Department, Haryana?
This scheme aims to provide financial assistance to Haryana-domiciled widows, Divorced, and Legally Separated Women. It offers a subsidy on loans to help beneficiaries.
What is the age limit for beneficiaries applying for this loan scheme?
The age of the prospective beneficiary should be between 18 and 55 years at the time of applying for the loan.
What kind of women are considered "legally separated" for the purpose of this scheme?
The scheme includes women who are legally separated, as long as they meet the other eligibility criteria. Specific legal definitions are not provided within the document.
Is the subsidy a capital subsidy?
No, the 25% flat subsidy is not provided as a capital subsidy.
Do I need to provide any collateral security for the loan under this scheme?
No, this scheme will cover loans without collateral security from the bank.
Which banks will disburse the balance of the loan?
The balance of the loan will be disbursed from commercial/nationalised banks.
What documents are required to apply for this scheme if I am a widow?
You will need your Bank Account Statement, Family ID/PPP, Domicile Certificate/Haryana Residence Certificate, Interest Subvention Document, Photograph of the applicant, and Husband Death Certificate.
What documents are needed if I am a divorced woman?
You will need your Bank Account Statement, Family ID/PPP, Domicile Certificate/Haryana Residence Certificate, Interest Subvention Document, Photograph of the applicant, and Divorce Legal Paper.
What documents do I need if I am a legally separated woman?
You will need your Bank Account Statement, Family ID/PPP, Domicile Certificate/Haryana Residence Certificate, Interest Subvention Document, Photograph of the applicant, and Legally Separated Document.
What happens if I default on my EMI payments?
No subsidy for interest accrued on a delayed period will be allowed in case of default of payment of EMI.
Is there a period before I have to start repaying the loan?
Yes, the moratorium period will be three months after the disbursement of the loan.
Can I apply if I am not domiciled in Haryana?
No, only Haryana Domiciled Widows, Divorced, and Legally Separated Women are eligible.
Will the bank provide the entire loan amount, or do I need to contribute?
You need to contribute 10% of the total loan as beneficiary share, and the balance will be from commercial/nationalised banks.