NASELGNDTDC
New Akanksha Scheme (Educational Loan) (GNDTDC)
6.9/10Under the scheme, educational loans of up to ₹10 lakh are provided to students belonging to Nomadic and Denotified Tribes communities for pursuing higher professional and technical education at the graduate and postgraduate levels.
States / UT: Gujarat
Nodal department: Social Justice and Empowerment Department
Scheme for: Individual
Scheme profile
DBT (direct benefit transfer): No
Categories: Education & Learning, Banking,Financial Services and Insurance
Sub-categories: Loan, Universities and higher education
Target beneficiaries: Individual
Tags: Higher Education, Technical Education, Graduation, Post Graduation, Loan, Nomadic Tribe, Denotified Tribe
Details
The "New Akanksha Scheme (Educational Loan)" is implemented by the Gujarat Nomadic and Denotified Tribes Development Corporation (GNDTDC) under the Social Justice and Empowerment Department, Government of Gujarat. Under this scheme, educational loans are provided to students belonging to Nomadic and Denotified Tribes communities for pursuing higher professional and technical education at the graduate and postgraduate levels.
Benefits
- 1. Loan Amount: The maximum loan limit for this scheme is up to ₹10,00,000/-. 2. Included Expenses: The loan amount will include the following:
- Admission and tuition fees
- Expenses for books, uniforms, essential materials, and exam fees
- Accommodation and food expenses
- Insurance – Policy premium 3. Interest Rate:
- 4% per annum for male students 3.5% per annum for female students 4. Contribution:
- 90% contribution from the Central Corporation,
- 5% from the State Government,
- 5% from the beneficiary 5. Repayment Period:
- The loan will have to be repaid in 60 equal monthly installments including interest
- The loan will be recovered within 6 months of completion of the course or upon getting a job, whichever is earlier
1. Loan Amount: The maximum loan limit for this scheme is up to ₹10,00,000/-.
2. Included Expenses: The loan amount will include the following:
- Admission and tuition fees
- Expenses for books, uniforms, essential materials, and exam fees
- Accommodation and food expenses
- Insurance – Policy premium
3. Interest Rate:
- 4% per annum for male students
- 3.5% per annum for female students
4. Contribution:
- 90% contribution from the Central Corporation,
- 5% from the State Government,
- 5% from the beneficiary
5. Repayment Period:
- The loan will have to be repaid in 60 equal monthly installments including interest.
- The loan will be recovered within 6 months of completion of the course or upon getting a job, whichever is earlier.
Eligibility
- The applicant should be a resident of Gujarat.
- The applicant should belong to the Nomadic Tribe or Denotified Tribe.
- The applicant's family's annual income should not exceed ₹3,00,000/-.
- The applicant should be pursuing one of the following courses:
- MBA or its equivalent (AICTE-approved course)
- MCA (Master of Computer Applications) or its equivalent (AICTE-approved course)
- Graduate-level engineering course approved by IIT/AICTE or any other approved professional graduate-level course
- Graduate-level medical course from a college recognized by the Medical Council of India
- Diploma course in Nursing
Note: At least 50% of the total loan amount will be allocated for families having an annual income of up to ₹1,50,000/-.
Exclusions
- Loan is not eligible in case of admission obtained under management quota.
How useful is this scheme?
A practical look at this scheme for citizens
AI-generated insights showing how useful, accessible, and practical this scheme may be — combining deterministic scoring rules with a public-policy LLM analyst.
- Accessibility6.0
- Financial impact9.5
- Rural utility5.0
- Awareness4.5
- Simplicity6.5
- Inclusivity9.0
What problem does this scheme solve?
The New Akanksha Scheme provides significant financial support for students from Nomadic and Denotified Tribes in Gujarat, facilitating access to higher education.
Key challenges addressed
- Financial barriers to higher education for marginalized communities
Most beneficial for
- Students from Nomadic and Denotified Tribes
- Female students due to lower interest rates
Likely challenges
- Complex application process for semi-literate individuals
- Limited awareness among target beneficiaries
Practical insights for citizens
The scheme's benefits may not reach all eligible students due to application complexities.
Rural challenges
- Limited internet access
- Lack of awareness about the scheme
Digital challenges
- Dependence on online application may exclude non-digital users
Implementation bottlenecks
- Verification of tribal status and income
Awareness challenges
- Low outreach in rural areas
Application analysis
- Application mode
- Online portal
- Documents burden
- Moderate, requires detailed personal and academic information
- Verification complexity
- High, due to multiple eligibility criteria
- Office dependency
- Low, primarily online
- DBT dependency
- None
- CSC support
- Limited
- Estimated citizen effort
- High, due to detailed application requirements
Estimated beneficiary reach
Benefit analysis
- Benefit type
- Cash
- Benefit frequency
- One-time loan disbursement
- Benefit practicality
- High, as it covers various educational expenses
- Financial meaningfulness
- Very meaningful due to the substantial loan amount
- Long-term impact
- Positive, as it enables higher education and better job opportunities
Plain-language guidance
The New Akanksha Scheme offers educational loans to students from Nomadic and Denotified Tribes in Gujarat for higher education. It covers various expenses like tuition and accommodation.
- Who should apply
- Students from Nomadic and Denotified Tribes pursuing higher education.
- Who may struggle
- Semi-literate individuals and those unfamiliar with online applications.
- Best application route
- Apply via the official online portal of the Gujarat Nomadic and Denotified Tribes Development Corporation.
This intelligence section is generated by an AI policy analyst combined with rule-based scoring. Scores and narrative are estimates derived from the publicly available scheme information shown on this page; actual experience may vary by state, district, and department. Always confirm details on the official portal before you apply.
Application Process
Online
Step 1: Visit the Official Portal
Go to the Official Website Gujarat Nomadic and Denotified Tribes Development Corporation.- Scroll down on the homepage, find the "Educational Loan (New Akanksha Yojana)" and click on "Apply Now".
You will be directed to the application form.
Step 2: Access and Fill Out the Application FormComplete all sections under "Applicant information," including full name, father/husband's name, gender, complete address details, contact numbers, Aadhaar No., parents/husband/guardian occupation and income details. Also provide Date of Birth, Age, Caste, and Subspecies. Also, if you are disabled and provide a percentage.
For each applicable qualification (SSC, HSC, Diploma, Degree, Graduation), tick the checkbox and fill in the Degree, Board/University Name, Academic year, and Percentage obtained.
Fill in details about the college/institution admitted to, university affiliation, course name, enrollment number, organisation address, website, course duration (in years and semester), and date of admission.
Specify who accredited the course/institution, their name, and address. Proof of accreditation must be submitted.
Select "Yes" or "No" for "Have you obtained admission through government-mandated admission?".
If staying in a hostel, provide the Hostel name, Hostel address, and Hostel contact number.
Fill in the requested loan amounts for Admission Fee, Tuition Fee, Examination Fee, Hostel Fee, Estimated cost of books/stationery, and Other fees.
List details of any physical assets owned (land, house, government property, NCC, LIC, KVP, etc.).
Indicate if anyone in the family works in a government/private sector job. If "Yes," provide Name, Designation, Place, and Salary details.
Fill in the Bank Account Number, select the Bank Name from the dropdown, provide the Branch Name, Name as per Account, select Bank Account Type (Saving/Current), and enter the MICR Code and IFSC Code.
Step 3: Review and Final Submission
- Carefully review each module. Use the preview option to examine the application before final submission. Fill out the provided "CAPTCHA" and Click on “Submit”.
Track and Review Status
- Applicant will receive an Application ID/Reference Number. Save or print the acknowledgement for future tracking.
- Go to the Official Website Gujarat Nomadic and Denotified Tribes Development Corporation.- Scroll down and locate the Know App Status. Click on "Know App Status".
- Select the Scheme name, Enter App No., and Birth Date. Fill out the Captcha and click on Submit.
Clarifications
Additional points from the scheme information published on myScheme (not legal advice).
- What is the objective of the scheme?
This scheme provides educational loans for students pursuing higher professional and technical education at the graduate and postgraduate levels.
- Who are the beneficiaries of this scheme?
The scheme is specifically for students belonging to nomadic or denotified castes.
- What types of expenses does the loan amount cover?
The loan covers admission fees, tuition fees, books, writing materials, necessary equipment, examination fees, accommodation, food expenses, and insurance policy premiums.
- What is the annual interest rate for this scheme?
4% per annum for male students and 3.5% per annum for female students.
- What is the contribution for this scheme?
The scheme has a 90% contribution from the Central Corporation, 5% from the State Government, and 5% from the beneficiary.
- How long do I have to repay this loan?
This loan will have to be repaid in 60 equal monthly instalments, including interest.
- What type of educational courses are eligible for this scheme?
Eligible courses include an MBA or its equivalent, an MCA or its equivalent, IIT/AICTE-approved graduate-level engineering, approved professional graduate-level courses, medical education from an MCI-recognised college, and Nursing Diploma courses.
- What details about my family's occupation and income are needed?
You need to provide details of the business/job/occupation and total income of your father/husband/guardian and your mother.
- What educational qualification details do I need to provide?
You should provide details for SSC, HSC, Diploma, Graduation, and Post Graduation, including Board/University name, main topic, academic year, percentage, and attempt number for each.
- What information about my university and course should I provide?
You need to provide the name of the college admitted, the affiliated university, the course name, course duration, the date of admission, and the year/semester for which you are seeking the loan.
Official links
References
- Guidelines
- https://sje.gujarat.gov.in/ddcw/education-loan
- Scheme Details
- https://mariyojana.gujarat.gov.in/ResultData.aspx
- Online Application
- https://gndcdconline.gujarat.gov.in/SchemeEducation/AddEdit
- Track Your Application
- https://gndcdconline.gujarat.gov.in/Schemes/KnowApplicationStatus
Apply
Apply nowOpens the official application or programme portal in a new tab. If in doubt, confirm details on the ministry site.
Frequently asked questions
- What is the purpose of New Akanksha Scheme (Educational Loan) (GNDTDC)?
- New Akanksha Scheme (Educational Loan) (GNDTDC) is a government welfare initiative designed to support Individual, Individual through benefits related to Education & Learning, financial assistance, subsidies, social welfare, healthcare, education, or livelihood support.
- Who can apply for New Akanksha Scheme (Educational Loan) (GNDTDC)?
- Eligibility for New Akanksha Scheme (Educational Loan) (GNDTDC) may depend on factors such as income category, age, gender, occupation, state of residence, social category, and government-defined beneficiary criteria.
- What benefits are offered under New Akanksha Scheme (Educational Loan) (GNDTDC)?
- Benefits under New Akanksha Scheme (Educational Loan) (GNDTDC) may include financial assistance, subsidies, scholarships, insurance support, healthcare benefits, pension support, training assistance, or welfare services depending on the scheme guidelines.
- Which department manages New Akanksha Scheme (Educational Loan) (GNDTDC)?
- New Akanksha Scheme (Educational Loan) (GNDTDC) is managed by Social Justice and Empowerment Department and may be implemented through district offices, online portals, CSC centres, banks, or authorised government agencies.
- Can users apply online for New Akanksha Scheme (Educational Loan) (GNDTDC)?
- Yes, eligible applicants may be able to apply online for New Akanksha Scheme (Educational Loan) (GNDTDC) through official government portals, authorised service centres, or digital application systems depending on the implementation process.
- Is Aadhaar mandatory for New Akanksha Scheme (Educational Loan) (GNDTDC)?
- Many government schemes may require Aadhaar verification, identity proof, or linked bank account details for beneficiary validation and direct benefit transfer processing.
- Where can users apply for New Akanksha Scheme (Educational Loan) (GNDTDC)?
- Applications for New Akanksha Scheme (Educational Loan) (GNDTDC) may be submitted through government departments, official scheme portals, CSC centres, district offices, welfare departments, or authorised service centres.
- What documents may be required for New Akanksha Scheme (Educational Loan) (GNDTDC)?
- Applicants may need Aadhaar card, income certificate, residence proof, bank account details, caste certificate, photographs, educational records, or occupation-related documents depending on scheme eligibility requirements.
- Is income certificate required for New Akanksha Scheme (Educational Loan) (GNDTDC)?
- Income certificate requirements may vary depending on beneficiary category, subsidy eligibility, and financial assistance criteria defined under New Akanksha Scheme (Educational Loan) (GNDTDC).
- Is New Akanksha Scheme (Educational Loan) (GNDTDC) available in all states?
- No, New Akanksha Scheme (Educational Loan) (GNDTDC) is primarily available for eligible residents of Gujarat and may be implemented through state government departments and local administrative offices.
- Can residents outside Gujarat apply for New Akanksha Scheme (Educational Loan) (GNDTDC)?
- Eligibility for New Akanksha Scheme (Educational Loan) (GNDTDC) is generally limited to residents of Gujarat unless otherwise specified in the official scheme guidelines.
- Can students apply for New Akanksha Scheme (Educational Loan) (GNDTDC)?
- Eligible students studying in recognised institutions may apply for New Akanksha Scheme (Educational Loan) (GNDTDC) depending on educational qualification, category, income limit, and academic eligibility.
- Is scholarship amount provided under New Akanksha Scheme (Educational Loan) (GNDTDC)?
- New Akanksha Scheme (Educational Loan) (GNDTDC) may provide scholarship assistance, tuition support, educational reimbursement, or financial aid for eligible students.
- Does New Akanksha Scheme (Educational Loan) (GNDTDC) provide healthcare or insurance support?
- New Akanksha Scheme (Educational Loan) (GNDTDC) may provide healthcare assistance, insurance coverage, cashless treatment support, medical reimbursement, or hospital-related benefits depending on the scheme structure.
- Can beneficiaries use New Akanksha Scheme (Educational Loan) (GNDTDC) at government hospitals?
- Eligible beneficiaries may be able to access services at empanelled hospitals, government healthcare facilities, or authorised healthcare providers depending on scheme participation rules.
- Can CSC centres help users apply for New Akanksha Scheme (Educational Loan) (GNDTDC)?
- Many government schemes may be accessible through nearby CSC centres, authorised digital service centres, or welfare facilitation offices.
- How can users check the latest updates for New Akanksha Scheme (Educational Loan) (GNDTDC)?
- Users should verify official notifications, department announcements, application deadlines, and eligibility updates through authorised government portals or implementing agencies.
- Can beneficiaries track application status for New Akanksha Scheme (Educational Loan) (GNDTDC)?
- Certain schemes may provide online application tracking, beneficiary verification systems, or status-check facilities through official portals.
- Where can users get help for New Akanksha Scheme (Educational Loan) (GNDTDC) in Gujarat?
- Users in Gujarat may seek assistance through CSC centres, district welfare offices, government departments, agriculture offices, social welfare departments, or authorised facilitation centres.
- Which nearby public services may help with New Akanksha Scheme (Educational Loan) (GNDTDC) applications?
- Depending on the scheme, users may require support from Aadhaar centres, CSC centres, banks, hospitals, post offices, or government welfare offices for document verification and application assistance.