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Micro Credit Finance Scheme: Eligibility, Benefits & Application Guide

Pragya Pathak

Author

Updated: 14-02-2026 at 3:30 PM

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500K+ Users

The Micro Credit Finance Scheme is a scheme designed to uplift the lives of sanitation workers. The scheme was launched by the National Safai Karamchari Finance & Development Corporation (NSKFDC) in collaboration with its state-level partner Haryana Scheduled Castes Finance & Development Corporation (HSFDC).

The scheme is a unique initiative that has been created to provide financial help to the stigmatised professions of sanitation workers so that they can use that fund to generate more income, such as by investing the money in a shop or a small business unit. This would not only increase their monthly income but would also help them lead better and fulfilled lives.

Read the article to learn more about the state government scheme, ranging from its meaning and benefits to eligibility criteria and Micro Credit Finance under NSKDC Haryana online application process.

Overview

The table below summarises some key details about the government scheme that one should know.

Name of the scheme	Micro Credit Finance Scheme
Implemented by	National Safai Karamchari Finance & Development Corporation (NSKFDC), in collaboration with Haryana Scheduled Castes Finance & Development Corporation (HSFDC)
Objective	To allow sanitation workers to avail the facilities of a loan at a low rate of interest so that they can use that fund to generate more income
Micro credit finance under NSKDC Haryana contact number	0172-2567064
Mode of application	Micro credit finance under NSKDC Haryana apply online

What Is The Micro Credit Finance Under NSKFDC- Haryana?

One of the micro credit schemes in India is the Micro Credit Finance Scheme launched by the National Safai Karamchari Finance & Development Corporation (NSKFDC) in collaboration with its state-level partner, Haryana Scheduled Castes Finance & Development Corporation (HSFDC).

The primary aim of this government scheme is to allow sanitation workers to avail the facilities of a loan at a low rate of interest. The beneficiaries can then use the funds from the loan to establish their own small and micro business units for financial independence.

Objectives Of The Micro Credit Finance Scheme

The loan scheme comprises several objectives, some of which are written below in brief points:

One of the primary objectives of the credit finance scheme is to encourage sanitation workers to take up other self-employment opportunities to establish more sources of income.
The scheme provides help in the form of loans with a low rate of interest and subsidies so that beneficiaries of the scheme can repay the loan without feeling burdened by it.
The overall reason behind the existence of this scheme is to uplift the socio-economic status of the families of sanitation workers so that they can lead better lives.

Benefits Of The Micro Credit Finance Scheme

The government welfare scheme comes along with a range of benefits for its beneficiaries. Some of the key benefits are mentioned below for one’s better understanding of the scheme:

Under the scheme, beneficiaries can draw loans of up to Rs. 1,00,000 to establish their own small and micro business units or other such self-employment activities for more income generation.
The loan scheme also provides its beneficiaries with a subsidy capped at 50% of the total project cost. The subsidy can go up to a maximum of Rs. 10,000.
The details of repayment are mentioned below in tabular format for one’s clear reference:

Interest starts on	Penalty is charged on	By when does the Principal Recovery begin?	When does the instalment start?	Period of instalment
Same day	30 days	120 days	120 days	30 days

Also Read: Apply For Bina Mulya Samajik Suraksha Yojana

What Is The Eligibility Criteria For The Micro Credit Finance Scheme?

Interested individuals are required to fulfil all the eligibility criteria of the scheme to start the Micro Credit Finance under NSKDC Haryana online application process. The criteria are as follows for one’s better understanding:

Applicants should be permanent residents of the state of Haryana.
Applicant’s age should be between the range of 18 to 55 years.
Applicant should either be a Safai Karamchari or their dependent. (Safai Karamcharis are those individuals who are engaged in the profession of sanitation)

Please note that the applicant will be required to submit a document to prove their employment as a Safai Karamchari or that they are a dependent of one. The document can be procured from government departments, like School, Colleges, Forest, Health, Education, Animal Husbandry having rank not less than Gazetted Officer), or by elected members of Municipal Body/ Corporation and Pradhan of Gram Panchayats, Local Revenue Officer or an Officer of Local Municipal Office, or Cantonment Executive Officer of the Cantonment or an officer of the Railways not below the rank of gazette officer.

How To Apply For The Micro Credit Finance Scheme?

The application process for this government scheme is completely online, and therefore, one can apply for it from the comfort of their home. The Micro Credit Finance under NSKDC Haryana apply online process that is laid down below in a stepwise manner for one’s better understanding:

Registration Process On Haryana SCs Finance & Development Corp

Step 1: Please visit the official website of the Haryana Scheduled Castes Finance & Development Corporation, navigate to the ‘NSKFDC Assisted Scheme’, and click on the name of this government scheme.

Step 2: Click on ‘Apply for Loan’ to start the registration process.

Step 3: Register on the portal using your personal details like name, Aadhaar number, email ID, and mobile number.

Step 4: Validate by filling in the OTP and clicking on ‘Submit’.

Step 5: Please note down your username and password.

Micro Credit Finance Under NSKDC Haryana Login Process

Step 1: Please visit the official website of the Haryana Scheduled Castes Finance & Development Corporation and click on ‘Login’.

Step 2: Log in using your username and password and log in to the portal.

Step 3: After logging in, click on ‘Edit Profile’.

Step 4: Fill in all the required information to update your profile with correct and accurate information.

Step 5: Upload the required documents, if any.

Step 6: Recheck the information that you filled in and then click on ‘Submit’.

How To Register On The Antyodaya SARAL Portal?

Step 1: Please visit the official website of the Antyodaya SARAL Portal.

Step 2: Click on ‘New User’ to start the registration process.

Step 3: Register on the portal using your personal details like name, email ID, mobile number, and set up a strong and unique password.

Step 4: Validate by filling in the OTP and clicking on ‘Submit’

Micro Credit Scheme Apply Online Process

Step 1: After registration, log in to the Antyodaya SARAL Portal using your username and password.

Step 2: Click on ‘Apply for Services’ and then navigate to the ‘View all Available Services’ option.

Step 3: Search for the name of this government scheme and click on it. After clicking on the name of the scheme, an application form will appear on your screen.

Step 4: Fill in the application form accurately and carefully.

Step 5: Upload all the required documents, recheck the filled information, and click on ‘Submit’.

The loan applications will then go through a verification process conducted by the District Managers. After successful verification, eligible applicants will be sent to NSKFDC for sanctioning of their loan.

Please note that you can track the status of your application by logging in to the Antyodaya SARAL Portal by filling in the name of the department, name of the scheme, and your application reference ID.

What Are The Documents Required For The Micro Credit Finance Scheme?

There are some documents that the applicants are required to attach while completing the Micro credit finance under NSKDC Haryana apply process. The list of those documents is:

Aadhaar card
Domicile certificate
Ration card
Certificate proving that one is a Safai Karamchari or a dependent of one

Conclusion

The Micro Credit Finance Scheme is one of the most helpful schemes launched by the NSKFDC in collaboration with its state-level partner, Haryana’s SFDC. The scheme offers affordable loan facilities to sanitation workers so that they can pave their way to more stable sources of income.

The scheme not only promotes income generation through self-employment but also long-term empowerment to those people who work in one of the most stereotyped professions. i.e., of sanitation workers.

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