Shilp Sampada Term Loan Scheme is a self-employment term loan scheme implemented by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam (HBCKN). Under this scheme, eligible artisans and traditional craftsmen belonging to the Backwards Class (OBC) category can avail a loan of up to Rs. 10 lakh at a concessional interest rate to strengthen or expand their traditional occupation. The scheme also provides skill upgradation training to help artisans adopt modern techniques while preserving their craft.
Haryana Shilp Sampada Term Loan Scheme Highlights | |
|---|---|
| Scheme Name | Shilp Sampada Term Loan Scheme for Backwards Classes |
| Implementing Agency | Haryana Backwards Classes and Economically Weaker Sections Kalyan Nigam (HBCKN) |
| Established | December 1980 (HBCKN) |
| Administrative Department | Directorate of Welfare of Scheduled Castes and Backwards Classes, Government of Haryana |
| Objective | Provide affordable financial assistance and skill development support to OBC artisans engaged in traditional crafts |
| Target Beneficiaries | Artisans and handicraft workers belonging to the Backwards Class (OBC) category |
| Maximum Loan Amount | Rs. 10 lakh |
| Interest Rate | Concessional interest rate as per HBCKN norms |
| Repayment Period | 5 to 7 years |
| Eligible Category | Backward Class (OBC) |
| Age Limit | 18 to 35 years |
| Maximum Annual Family Income | Rs. 3 lakh |
| Parivar Pehchan Patra (PPP) | Mandatory |
| Skill Development | Training in traditional crafts along with computers and CAD |
| Application Mode | Online through the Antyodaya SARAL Portal |
| Apply Online | saralharyana.gov.in |
| Application Status | status.saralharyana.nic.in |
| HBCKN Official Portal | hbckn.org.in |
| Department Portal | haryanascbc.gov.in |
| hbckn222@gmail.com | |
| Head Office Address | Bays No. 53-54, Kalyan Bhawan, Sector 2, Panchkula, Haryana 134109 |
Introduction of Haryana Shilp Sampada Term Loan Scheme: A Brief Insight
Traditional artisans have always played an important role in preserving Haryana’s cultural identity. Whether it is pottery, weaving, wood carving, embroidery, or other handicrafts, these occupations provide a livelihood to thousands of families. However, many artisans from the Backwards Class (OBC) community struggle to expand their work because they lack affordable financial support and access to modern tools and technology. Without adequate funding, purchasing quality raw materials, upgrading equipment, or increasing production becomes difficult.
To address these challenges, the Haryana Backwards Classes and Economically Weaker Sections Kalyan Nigam (HBCKN) introduced the Shilp Sampada Term Loan Scheme for Backwards Classes, alias Shilp Sampada Yojana to promote self-employment and strengthen traditional artisan livelihoods.
The scheme is implemented by the Haryana Backwards Classes and Economically Weaker Sections Kalyan Nigam (HBCKN) under the Directorate of Welfare of Scheduled Castes and Backwards Classes, Government of Haryana. Established in December 1980, HBCKN works to improve the social and economic condition of Backwards Classes by providing financial assistance through various self-employment programmes. Since 1980-81, the Nigam has extended financial support to more than 68,697 beneficiaries and sanctioned loans worth over Rs. 9,325.89 lakh under different income-generating schemes.
Through the Shilp Sampada Term Loan Scheme, eligible artisans can avail a term loan of up to Rs. 10 lakh at a concessional interest rate. The loan can be repaid over a period of 5 to 7 years, depending on the sanctioned amount. Beneficiaries can use the financial assistance to purchase raw materials, modernise tools and equipment, improve production, or expand their traditional craft-based business. Apart from financial support, the scheme also focuses on skill development by providing training in modern technologies, including computers and Computer-Aided Design (CAD), helping artisans improve product quality while preserving traditional craftsmanship.
Permanent residents of Haryana belonging to the Backwards Class (OBC) category, aged between 18 and 35 years, engaged in traditional craft or artisan work, and having an annual family income of not more than Rs. 3 lakh can apply under the scheme. A valid Parivar Pehchan Patra (PPP ID) is mandatory for submitting the application. Eligible applicants can apply online through the Antyodaya SARAL Portal at saralharyana.gov.in, while application status can be checked at status.saralharyana.nic.in.
Artisans who require a higher business loan can also explore the Pradhan Mantri Mudra Yojana (PMMY), which provides collateral-free loans ranging from Rs. 50,000 to Rs. 20 lakh for micro and small enterprises. Those planning to establish larger manufacturing or service units may also consider the Prime Minister Employment Generation Programme (PMEGP), a Central Government scheme that offers a margin money subsidy of up to 35% on eligible project loans.
For more welfare, skill development, and self-employment initiatives available in the state, you can also explore our complete collection of Haryana Government Schemes.
Benefits Provided to Eligible Beneficiaries
The Shilp Sampada Term Loan Scheme supports eligible artisans from the Other Backwards Classes (OBC) community by providing affordable financial assistance and skill development opportunities. The scheme aims to strengthen traditional occupations and help artisans expand their livelihoods through self-employment.
Financial Assistance
- Term loan of up to Rs. 10 lakh to establish or expand a traditional craft or artisan business.
- Loan offered at a concessional interest rate as prescribed by the Haryana Backwards Classes and Economically Weaker Sections Kalyan Nigam (HBCKN).
- Flexible repayment period ranging from 5 to 7 years, depending on the sanctioned loan amount.
Skill Development Support
- Training programmes to improve existing craft and artisan skills.
- Exposure to modern technologies such as Computer-Aided Design (CAD), computers, and other advanced production tools.
- Support to help artisans adopt modern techniques while preserving traditional craftsmanship.
Other Benefits
- Financial assistance to promote and preserve traditional handicrafts and artisan occupations.
- Loan amount can be utilised for purchasing raw materials, upgrading tools and equipment, improving production, or expanding the existing business.
- Encourages sustainable self-employment and helps artisans become financially independent.
Eligibility Conditions Required to be Fulfilled
To avail the benefits of the Shilp Sampada Term Loan Scheme, applicants must satisfy the eligibility conditions prescribed by the Haryana Backwards Classes and Economically Weaker Sections Kalyan Nigam (HBCKN). Only eligible applicants will be considered for financial assistance under the scheme.
- Must be a permanent resident of Haryana.
- Must belong to the Backwards Class (OBC) category.
- Age should be between 18 and 35 years.
- Annual family income should not exceed Rs. 3 lakh in rural or urban areas.
- Must be engaged in a recognised traditional craft, handicraft, or artisan occupation.
- Must have a valid Parivar Pehchan Patra (PPP ID) to apply through the SARAL Portal.
Who Is Not Eligible
- Applicants who do not belong to the Backwards Class (OBC) category.
- Applicants whose annual family income is more than Rs. 3 lakh.
- Individuals below 18 years or above 35 years of age.
- Persons who are not engaged in any eligible traditional craft or artisan activity.
- Applicants without a valid Parivar Pehchan Patra (PPP ID).
Documents Required to be Attached
Applicants should keep the following documents ready before applying for the Shilp Sampada Term Loan Scheme through the Antyodaya SARAL Portal. Submitting complete and valid documents helps ensure faster verification and smooth processing of the application.
- Parivar Pehchan Patra (PPP ID) for fetching family details on the SARAL Portal
- Aadhaar Card for identity and age verification
- Haryana Domicile Certificate or Ration Card as proof of residence
- Backward Class (OBC) Caste Certificate issued by the competent authority
- Income Certificate showing that the annual family income does not exceed Rs. 3 lakh
- Aadhaar Card-linked bank account details for loan disbursement
- Recent passport-size photographs
How Beneficiaries Can Apply to Avail the Benefit of this Scheme
Eligible artisans belonging to the Backwards Class (OBC) category can apply for the Shilp Sampada Term Loan Scheme through the Antyodaya SARAL Portal. A valid Parivar Pehchan Patra (PPP ID) is mandatory because the portal retrieves the applicant’s family details directly from the PPP database. Follow the steps below to submit your application online.
Step 1: Visit the Antyodaya SARAL Portal. If you are using the portal for the first time, click New User and complete the registration by entering your name, mobile number, email ID, password, and state. Verify your mobile number and email address using the OTPs sent to you.
Step 2: Sign in using your registered email ID and password. Enter the CAPTCHA code and click Login to access your dashboard.
Step 3: Select Apply for Services and then click View All Available Services. Search for the Shilp Sampada Term Loan Scheme for Backwards Classes and open the online application form.
Step 4: Enter your Parivar Pehchan Patra (PPP) Family ID and click Fetch Family Data. The portal will automatically display the details of all family members linked to your PPP.
Step 5: Choose the applicant’s name from the displayed family list. Complete the OTP verification sent to the registered mobile number to continue with the application.
Step 6: Fill in the application form with the required details, including personal information, artisan or craft details, annual family income, bank account details, and any other information requested by the Haryana Backwards Classes and Economically Weaker Sections Kalyan Nigam.
Step 7: Upload scanned copies of all required documents, including your PPP ID, Aadhaar Card, Haryana Domicile Certificate or Ration Card, OBC Caste Certificate, Income Certificate, bank account details, and passport-size photograph.
Step 8: Review the information entered in the application form and verify that all uploaded documents are correct. After confirming the details, click Submit. Save the generated Application Reference ID, as it will be required to track your application.
Step 9: To check the application status, visit status.saralharyana.nic.in. Select the department and scheme, enter your Application Reference ID, and view the latest status of your application.
If you need assistance with the application process, eligibility conditions, or loan-related queries, contact the Haryana Backwards Classes and Economically Weaker Sections Kalyan Nigam at hbckn222@gmail.com or visit Kalyan Bhawan, Bays No. 53-54, Sector 2, Panchkula, Haryana.
Important Links Available
- Antyodaya SARAL Portal – Apply Online for Shilp Sampada Term Loan Scheme
- SARAL Haryana – Check Application Status
- Haryana Backwards Classes and Economically Weaker Sections Kalyan Nigam (HBCKN)
- Directorate of Welfare of Scheduled Castes and Backward Classes, Haryana
- SEWA Department, Government of Haryana
- Government of Haryana Official Portal
Contact Details in Case of Help Needed
- Implementing Agency: Haryana Backwards Classes and Economically Weaker Sections Kalyan Nigam (HBCKN)
- Department: Directorate of Welfare of Scheduled Castes and Backwards Classes, Government of Haryana
- Address: Bays No. 53-54, Kalyan Bhawan, Sector 2, Panchkula, Haryana 134109
- Email: hbckn222@gmail.com
- Official Website: hbckn.org.in
- District Level Assistance: Applicants can visit the District Welfare Officer, Scheduled Castes and Backwards Classes, in their respective district for guidance on eligibility, document verification, application submission, and loan-related queries.
Frequently Asked Questions (FAQs)
Q. What is the Shilp Sampada Term Loan Scheme?
Ans. Shilp Sampada Term Loan Scheme is a term loan scheme implemented by the Haryana Backwards Classes and Economically Weaker Sections Kalyan Nigam (HBCKN). Under this scheme, eligible artisans and traditional craftsmen belonging to the Backwards Class (OBC) category can avail a term loan of up to Rs. 10 lakh to expand or establish self-employment ventures. The scheme also offers skill upgradation support using modern technologies such as computers and CAD.
Q. How much loan can I get under the Shilp Sampada Term Loan Scheme?
Ans. Eligible applicants can receive a term loan of up to Rs. 10 lakh. The loan is offered at a concessional interest rate as prescribed by HBCKN and can be used for traditional craft and artisan-related activities.
Q. What is the repayment period for the loan?
Ans. The loan can be repaid over a period of 5 to 7 years, depending on the sanctioned amount and the repayment schedule approved by HBCKN.
Q. Who is eligible to apply for this scheme?
Ans. Applicants must be permanent residents of Haryana, belong to the Backwards Class (OBC) category, be between 18 and 35 years of age, have an annual family income of not more than Rs. 3 lakh, and be engaged in handicrafts or traditional artisan work. A valid Parivar Pehchan Patra (PPP ID) is also mandatory.
Q. What is the maximum income limit for eligibility?
Ans. The applicant’s annual family income should not exceed Rs. 3 lakh. The same income limit applies to both rural and urban applicants.
Q. Which category of applicants can apply?
Ans. This scheme is meant exclusively for applicants belonging to the Backwards Class (OBC) category. Applicants from other categories are not eligible under this scheme.
Q. Does the scheme provide any training?
Ans. Yes. Beneficiaries receive training to improve their traditional craft skills. The programme also introduces artisans to modern technologies such as computers and Computer-Aided Design (CAD) to help them enhance product quality and remain competitive.
Q. Is Parivar Pehchan Patra (PPP ID) compulsory?
Ans. Yes. A valid Parivar Pehchan Patra (PPP ID) is mandatory for submitting the online application through the SARAL Portal. The portal uses the PPP database to verify the applicant’s family details.
Q. How can I apply for the Shilp Sampada Term Loan Scheme?
Ans. Applications can be submitted online through saralharyana.gov.in. Register on the portal, log in, search for the Shilp Sampada Term Loan Scheme for Backwards Classes, complete the application form, upload the required documents, and submit the application.
Q. How can I check my application status?
Ans. Visit status.saralharyana.nic.in and enter the required details, including your Application Reference ID, to view the latest status of your application.
Q. Which documents are required when applying?
Ans. Applicants should keep their Parivar Pehchan Patra (PPP ID), Aadhaar Card, Haryana Domicile Certificate or Ration Card, OBC Caste Certificate, Income Certificate, bank account details, and recent passport-size photographs ready. Additional documents related to the applicant’s traditional occupation may also be requested during verification.
Q. Which department implements the Shilp Sampada Term Loan Scheme?
Ans. The scheme is implemented by the Haryana Backwards Classes and Economically Weaker Sections Kalyan Nigam (HBCKN) under the Directorate of Welfare of Scheduled Castes and Backwards Classes, Government of Haryana.
Q. Where can I get help if I face any issues?
Ans. You can contact HBCKN through email at hbckn222@gmail.com or visit Kalyan Bhawan, Bays No. 53-54, Sector 2, Panchkula, Haryana 134109. Applicants may also approach the District Welfare Officer of their district for assistance with eligibility, documentation, or the application process.
Tabassum is a government schemes researcher and writer with 5 years of experience tracking Central and State welfare scheme programmes across India. She has covered 500+ schemes spanning agriculture, women welfare, education, and housing, helping lakhs of beneficiaries understand their entitlements in simple language.