Scholarship
Education Loan Scheme- Credit Line 1 for Minority Community(ELS-CL1MC)
Overview
About ELS-CL1MC
The Education Loan Scheme – Credit Line 1 for Minority Community is run by the Haryana Backward Classes and Economically Weaker Sections Kalyan Nigam, a state undertaking under the Welfare of Scheduled Caste and Backward Classes Department, Government of Haryana. It provides an education loan rather than a grant, so the amount is repaid over time.
The loan supports general, professional or technical courses, or training, at the graduate level and above. The Nigam lends up to ₹20 lakh for study in India and up to ₹30 lakh for study abroad, at an interest rate of 3%. Applicants must already hold admission to a course approved by a recognised agency such as AICTE, the Medical Council of India or the UGC, and have scored at least 50% in the relevant qualifying examination.
Eligibility is limited to students from the minority communities notified by the Government of India, namely Muslims, Sikhs, Christians, Buddhists, Parsis and Jains, who are permanent residents of Haryana. Applicants must be between 16 and 32 years of age, and annual family income must stay within ₹98,000 in rural areas or ₹1,20,000 in urban areas. Applications are made online through the Antyodaya-SARAL portal.
Sources: myScheme – Education Loan Scheme, Credit Line 1 for Minority Community · National Government Services Portal – Education Loan Scheme, Credit Line 1 for Minority Community, Haryana · National Portal of India – Education Loan Scheme, Credit Line 1 for Minority Community, Haryana
Who runs it
Provider
Haryana Backward Classes And Economically Weaker Sections Kalyan Nigam
State / UT Government
Welfare of Scheduled Caste & Backward Classes Department · Haryana Backward Classes And Economically Weaker Sections Kalyan Nigam
At a glance
Key details
| Level | State/ UT |
| Scheme type | — |
| Category | Banking,Financial Services and Insurance, Education & Learning |
| Beneficiaries | Individual |
| Benefit type | Cash |
| Application mode | Online |
Calendar
Important dates
Across all open application cycles.
| Cycle | Stage | Date |
|---|
Who can apply
Eligibility criteria
| The applicant should be a permanent resident of Haryana. | |
| The applicant should be between 16 and 32 years old. | |
| The annual family income of the applicant should not exceed ₹98,000/- (Rural Area) and ₹1,20,000/- (Urban Area). | |
| The applicant should belong to a minority community, i.e. Muslims, Sikhs, Christians, Buddhists, Parsis, and Jains. | |
| The applicant should have obtained admission to any professional and technical course approved by an appropriate agency such as AICTE, Medical Council of India, UGC, etc., in a duly accredited/recognized institute. | |
| The applicant must have secured a minimum of 50% marks in the qualifying exam i.e., the exam whose qualification is a pre-requisite for the course. | |
| The applicant should have a Parivaar Pehchan Patra (PPP ID). |
What you get
Award & benefits
- Under this scheme, Nigam provides loans up to ₹20,00,000/- for studies in India and up to ₹30,00,000/- for studies abroad at an interest rate of 3%.
- The education loans are provided for pursuing general/professional/technical courses or training at the graduate and/or higher level to minority communities i.e. Muslims, Sikhs, Christians, Buddhists, Parsis, and Jains.
What to prepare
Documents required
Step by step
How to apply
- 1Apply online
See the official links below for the application portal.
Source
Official links
Questions
ELS-CL1MC – FAQ
Disclaimer
Scheme details are compiled from myScheme, the Government of India’s official scheme-discovery platform, and are reproduced without alteration. Amounts, deadlines and eligibility change between cycles — always confirm on the official links above before applying. Expertie does not process applications or charge fees.