LFS-SEBC

Loan For Foreign Study (S.E.B.C.)

Eligible students from the Socially and Educationally Backward Class (SEBC) can access financial assistance for higher education abroad through a Foreign Study Loan of up to ₹15,00,000/- at a low annual interest rate of 4%. This loan covers various expenses, including tuition, accommodation, and other associated costs, with repayment starting one year after course completion.

राज्य नकद

राज्य / केंद्र शासित प्रदेश: गुजरात

नोडल विभाग: Social Justice and Empowerment Department

योजना किसके लिए: Individual

योजना प्रोफ़ाइल

डीबीटी (प्रत्यक्ष लाभ अंतरण): नहीं

श्रेणियाँ: बैंकिंग, वित्तीय सेवाएँ और बीमा, शिक्षा और अध्ययन

उप-श्रेणियाँ: Banking and money, Loan, Universities and higher education, International education, International students, Scholarships and student finance

लक्षित लाभार्थी: व्यक्तिगत

टैग: Student, Loan, Education, Mortgage, College

विवरण

The scheme "Loan for Foreign Study (S.E.B.C.)" was launched by the Social Justice and Empowerment Department, Government of Gujarat. The scheme aims to provide students belonging to the Socially and Educationally Backward Class (S.E.B.C.) with financial assistance for higher education abroad. The scheme provides a maximum loan of ₹15,00,000/- (Rupees Fifteen Lakh) for higher studies in foreign countries. The applications for this scheme are accepted online via the official website https://esamajkalyan.gujarat.gov.in/.

लाभ

Financial Assistance
A maximum Foreign Study Loan of ₹15,00,000/- is provided for higher education abroad
The loan is offered at a simple annual interest rate of 4%
The loan covers costs such as air tickets, registration fees, tuition fees, education fees, hostel fees, books, and other expenses associated with the first year of the course abroad. Disbursement Conditions
The full loan amount of ₹15,00,000/- will be disbursed to the student in a single installment
The money will be deposited into the student& 39;s bank account after the submission of the original registered mortgage deed. Post-Selection Obligations
After the sanction order is received, the student& 39;s parent or guardian must obtain the prescribed mortgage deed form from the District Office
The property presented by the student& 39;s parent/guardian or the guarantor must be registered as a mortgage in favor of the government
The loan repayment must begin one year after the completion of the student& 39;s study
The loan must be repaid in monthly or quarterly installments
The principal loan amount must be fully repaid within a maximum period of 10 years
The interest amount must be fully repaid within a maximum period of 2 years

Financial Assistance

A maximum Foreign Study Loan of ₹15,00,000/- is provided for higher education abroad.
The loan is offered at a simple annual interest rate of 4%.
The loan covers costs such as air tickets, registration fees, tuition fees, education fees, hostel fees, books, and other expenses associated with the first year of the course abroad.

Disbursement Conditions

The full loan amount of ₹15,00,000/- will be disbursed to the student in a single installment.
The money will be deposited into the student's bank account after the submission of the original registered mortgage deed.

Post-Selection Obligations

After the sanction order is received, the student's parent or guardian must obtain the prescribed mortgage deed form from the District Office.
The property presented by the student's parent/guardian or the guarantor must be registered as a mortgage in favor of the government.
The loan repayment must begin one year after the completion of the student's study.
The loan must be repaid in monthly or quarterly installments.
The principal loan amount must be fully repaid within a maximum period of 10 years.
The interest amount must be fully repaid within a maximum period of 2 years.
The student must ensure all required documentation is completed within the prescribed time limit.

पात्रता

The applicant must belong to the Socially and Educationally Backward Class (S.E.B.C.).
The applicant's family annual income must be less than ₹10,00,000/- (Rupees Ten Lakh).
The applicant must have secured a minimum of 60% or more marks in 12th standard.
The applicant must have secured a minimum of 50% marks if they belong to Notified Tribes/De-notified Tribes (NT/DNT), More Backward, or Extremely Backward categories.
The applicant must be pursuing higher education abroad.
The applicant must be pursuing a Diploma, Graduate, Post Graduate, Post Graduate Diploma, Doctor of Philosophy (Ph.D.), or higher-level courses in any field.
The course must be for a minimum duration of 1 (one) academic year or more, or at least two semesters.
The applicant must apply before traveling abroad or within six months of arriving abroad.
The applicant must submit one solvent guarantor.

अपवर्जन

आवेदन प्रक्रिया

Online

Registration

Step 1: Visit the Official Website of eSamajkalyan.
Step 2: In the right pane of the home page, click "New User? Please Register Here!".
You will be taken to the Registration Form.
Step 3: In the form, provide all the mandatory fields, fill in the captcha code, and click "Submit" to complete the registration process. A popup will appear acknowledging successful registration and displaying your User ID for Login.

Application

Step 1: Visit the Official Website of eSamajkalyan. In the "Citizen Login" section provided in the right pane of the home page, provide your User ID and Password, fill in the Captcha Code, then click "Login".
Step 2: In the ribbon provided at the top of the website, click the "Corporation" menu, then click "Gujarat State Divyangjan Finance and Development Corporation". A list of schemes will be displayed. Select the scheme you intend to apply for.
Step 3: You will be taken to the online application form of the scheme. In the form, provide all the mandatory fields and upload all the mandatory documents in the specified format and size. Carefully review all the information provided and the documents uploaded. Make corrections, if any.
Step 4: Click "Submit" to submit your application. You'll receive a confirmation message. Note down your Application Number for future reference. You can also take a printout of the submitted application form.
Step 5: Following the successful online submission, the applicant must take a printout of the final application form. Two identical physical copies of the complete application set, along with attached enclosures of all uploaded documents, must be prepared. These two copies must then be deposited at the respective District Office (District Social Welfare Officer (Developing Castes)) applicable to the student.

स्पष्टीकरण

myScheme पर प्रकाशित योजना सूचना से अतिरिक्त बिंदु (कानूनी सलाह नहीं)।

What is the minimum percentage of marks required in 12th standard to be eligible for applying for this educational loan scheme?: Applicants must have secured a minimum of 60% or more marks in their 12th standard examinations. However, if the applicant belongs to Notified Tribes/De-notified Tribes, More Backward, or Extremely Backward categories, the minimum requirement is 50% marks.
Is there a specific time frame within which I must apply for this financial assistance after deciding to pursue my studies in a foreign country?: Yes, you must submit your application either before traveling abroad for your studies or within six months of arriving in the foreign country where you intend to pursue your higher education.
What is the maximum amount of financial assistance available under this educational loan program for students planning to study outside India?: The scheme provides a maximum loan amount of ₹15,00,000/- (Rupees Fifteen Lakh) to eligible students for pursuing higher education in foreign countries.
After receiving approval, what is the procedure for ensuring that the loan amount is transferred to my bank account?: After receiving the sanction order, your parent or guardian must obtain the prescribed mortgage deed form from the District Office and register the property as a mortgage in favor of the government. Once the original registered mortgage deed is submitted, the full loan amount will be deposited directly into your designated bank account in a single installment.
What types of educational programs and course durations are covered under this financial assistance scheme for overseas education?: The scheme covers Diploma, Graduate, Post Graduate, Post Graduate Diploma, Doctor of Philosophy courses, or higher-level courses in any field. The course must have a minimum duration of one academic year or more, or consist of at least two semesters.
What is the maximum annual family income limit that an applicant must meet to qualify for this loan assistance program?: The applicant's family annual income must be less than ₹10,00,000/- (Rupees Ten Lakh) to be eligible for this loan scheme.
What is the interest rate charged on the loan provided for pursuing higher education in foreign universities under this scheme?: The loan is offered at a simple annual interest rate of 4%, making it an affordable option for eligible students seeking financial assistance for overseas education.
What specific expenses related to my foreign education will this loan cover during the first year of my course abroad?: The loan covers various expenses including air tickets, registration fees, tuition fees, education fees, hostel fees, books, and other costs associated with the first year of your course abroad.
When am I expected to start repaying the loan amount after completing my studies, and what are the installment options available?: Loan repayment must begin one year after the completion of your studies. The loan must be repaid in monthly or quarterly installments according to your convenience and financial capacity.
What is the maximum time period allowed for completely repaying the principal amount of the loan I have received?: The principal loan amount must be fully repaid within a maximum period of 10 years from the date you begin repayment, which starts one year after course completion.
Are there any mandatory requirements regarding property mortgage or guarantor that I need to fulfill for this loan scheme?: Yes, you must submit one solvent guarantor with your application. Additionally, after approval, the property presented by your parent/guardian or the guarantor must be registered as a mortgage in favor of the government before loan disbursement.
Which social categories are eligible to apply for this financial assistance program for pursuing education in foreign countries?: Applicants must belong to the Socially and Educationally Backward Class. This includes various categories such as Notified Tribes/De-notified Tribes, More Backward, and Extremely Backward categories with specific eligibility criteria.
What is the deadline for repaying the interest amount accumulated on the loan taken for my foreign education?: The interest amount on the loan must be fully repaid within a maximum period of 2 years from the commencement of your repayment schedule.
What documents related to my admission and travel must I provide when applying for this overseas education loan?: You must provide an Offer Letter or Letter of Acceptance from the foreign university, a copy of your passport, a copy of your visa for the foreign country, and a copy of your air ticket.

आधिकारिक लिंक

संदर्भ

आवेदन करें

अभी आवेदन करें

Student Loan Education Mortgage College

आधिकारिक आवेदन या कार्यक्रम पोर्टल नए टैब में खुलता है। संदेह हो तो मंत्रालय की साइट पर विवरण सत्यापित करें।

Documents Required for Government Schemes

Most government schemes require basic documents for verification. While the exact requirements vary, common documents include:

Aadhaar Card
Income Certificate
Caste Certificate (if applicable)
Residence Proof
Bank Account Details
Educational Certificates (for student schemes)

How to Apply for Government Schemes?

The application process for government schemes may be online or offline depending on the scheme. In most cases, you can follow these steps:

Check eligibility criteria
Collect required documents
Fill the application form
Submit the application online or at the relevant office
Track application status

यह पृष्ठ सार्वजनिक व आधिकारिक स्रोतों से योजना सूचना का सार प्रस्तुत करता है। यह कानूनी, वित्तीय या व्यावसायिक सलाह नहीं है; अधूरी या पुरानी हो सकती है; तथा सरकारी अधिसूचनाओं का स्थान नहीं लेती। आवेदन या निर्भरता से पहले पात्रता, लाभ व आवेदन चरण आधिकारिक पोर्टल या परिपत्र पर अवश्य सत्यापित करें।

हिन्दी चुनने पर साइट पर मेनू, बटन, फ़िल्टर और जहाँ उपलब्ध हो श्रेणी नाम हिन्दी में दिखाए जाते हैं। योजना का मुख्य पाठ (शीर्षक, विवरण, पात्रता, दस्तावेज़ आदि) स्रोत की भाषा में रहता है—अक्सर अंग्रेज़ी—जब तक आधिकारिक द्विभाषी या हिन्दी संस्करण उपलब्ध न हो।