NASELGTKVN
New Akanksha Scheme (Educational Loan) (GTKVN)
6.4/10Under this scheme, education loans are provided at subsidized interest rates to students belonging to Thakor and Koli communities for pursuing graduate and postgraduate studies in fields such as engineering, medical, MBA, and MCA.
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: Scholarships and student finance, Universities and higher education, Loan
Target beneficiaries: Individual
Tags: Professional Education, Technical Education, Graduate, Postgraduate, Education Loan, Thakor Caste, Koli Caste
Details
The "New Akanksha Scheme (Educational Loan)" is implemented by the Gujarat Thakor and Koli Vikas Nigam (GTKVN) under the Social Justice and Empowerment Department, Government of Gujarat. The scheme aims to provide financial support for higher technical and professional education to students belonging to Thakor and Koli communities. Under this scheme, loans are provided at subsidized interest rates to students for pursuing graduate and postgraduate studies in fields such as engineering, medical, MBA, and MCA.
Benefits
- Education Loan Details: Loan Amount: Up to ₹15,00,000/-. Interest Rate: 4% per annum for male students and 3.5% per annum for female students. Coverage Includes:
- Admission fees and tuition fees
- Books, writing materials, necessary equipment and examination fees required for the course
- Accommodation & food expenses
- Travel and insurance premiums Contribution:
- 90% by Central Corporation 5% by State Government 5% by the Beneficiary Repayment Terms:
- Repayment Period: 60 equal monthly installments (5 years)
- Start of Repayment: Within 6 months from course completion or employment, whichever is earlier
Education Loan Details:
Loan Amount: Up to ₹15,00,000/-.
Interest Rate: 4% per annum for male students and 3.5% per annum for female students.
Coverage Includes:
- Admission fees and tuition fees
- Books, writing materials, necessary equipment and examination fees required for the course
- Accommodation & food expenses
- Travel and insurance premiums
Contribution:
- 90% by Central Corporation
- 5% by State Government
- 5% by the Beneficiary
Repayment Terms:
- Repayment Period: 60 equal monthly installments (5 years)
- Start of Repayment: Within 6 months from course completion or employment, whichever is earlier.
Eligibility
- The applicant should be a resident of Gujarat.
- The applicant should belong to the Thakor or Koli caste/community.
- The family's annual income should not exceed ₹3,00,000/-.
- The applicant should have secured admission in a recognized institution for:
- MBA or equivalent (approved by AICTE)
- MCA (Master of Computer Applications or equivalent)
- Undergraduate Engineering programs (approved by AICTE/IITs)
- MBBS or equivalent (approved by Medical Council of India)
Note: At least 50% of the total sanctioned loan amount will be reserved for applicants from families earning up to ₹1,50,000 annually.
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 utility4.0
- Awareness4.5
- Simplicity4.5
- Inclusivity8.0
What problem does this scheme solve?
The New Akanksha Scheme provides essential financial support for students from Thakor and Koli communities in Gujarat, facilitating access to higher education.
Key challenges addressed
- Financial barriers to higher education for marginalized communities
Most beneficial for
- Students from Thakor and Koli communities
- Female students due to lower interest rates
Likely challenges
- Digital literacy and access issues
- Awareness among potential beneficiaries
Practical insights for citizens
The scheme is practical but may face challenges in rural outreach and digital access.
Rural challenges
- Limited internet access
- Lack of awareness about the scheme
Digital challenges
- Dependence on digital literacy for application
Implementation bottlenecks
- Verification of caste and income may delay processing
Awareness challenges
- Low awareness in rural areas about eligibility and benefits
Application analysis
- Application mode
- Online portal
- Documents burden
- Moderate, requires several documents
- Verification complexity
- Moderate, involves income and caste verification
- Office dependency
- None, fully online
- DBT dependency
- None
- CSC support
- Limited, as it is fully online
- Estimated citizen effort
- High, due to multiple steps in the application process
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
- High, with loans up to ₹15,00,000
- Long-term impact
- Positive, as it supports higher education and skill development
Plain-language guidance
The New Akanksha Scheme offers education loans to students from Thakor and Koli communities in Gujarat at low interest rates. It helps cover costs for higher education in various fields.
- Who should apply
- Students from Thakor and Koli communities in Gujarat seeking higher education.
- Who may struggle
- Individuals with low digital literacy or access to the internet.
- Best application route
- Apply directly through the official online portal.
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 website of the Gujarat Thakor and Koli Vikas Nigam.
Step 2: On the top menu bar, click on "Apply Now".
Step 3: Click on the loan scheme name.
Step 4: Select the loan category and fill in the loan amount.
Step 5: Fill out the Application Form, enter the following details:
- Personal Information: Name, gender, date of birth, caste, etc.
- Address Information: Permanent and correspondence address
- Income Details: Monthly family income and source
- Loan Requirement: Amount needed, proposed use (e.g., business, self-employment)
- Bank Account Details: For loan disbursement
Step 6: Upload scanned copies of the Caste certificate, Income certificate, Aadhaar card, Passport-size photo, Bank passbook (first page), and Residence proof.
Step 7: Double-check all details. Click on “Preview” to verify. If all details are correct, click “Submit”.
Step 8: Applicant will receive an Application ID/Reference Number. Save or print the acknowledgement for future tracking.
Clarifications
Additional points from the scheme information published on myScheme (not legal advice).
- Who can apply for this loan?
Applicants from Thakor or Koli caste can apply.
- What is the maximum loan amount?
Up to ₹15,00,000/- can be availed as a loan.
- Are management quota students eligible?
No, management quota admissions are not eligible.
- What does the loan cover?
It covers tuition fees, books, living expenses, and insurance.
- When does loan repayment start?
Repayment starts 6 months after course completion or employment.
- What is the beneficiary’s contribution?
The beneficiary must contribute 5% of the total cost.
- Can I apply offline?
No, applications must be submitted online at gtkdconline.gujarat.gov.in
- Who implements the scheme?
The Gujarat Thakor and Koli Vikas Nigam (GTKVN).
Official links
References
- Guidelines
- https://sje.gujarat.gov.in/gtkvn/Schemes/1460?lang=English
- Scheme Details
- https://mariyojana.gujarat.gov.in/Schemeatoz.aspx
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) (GTKVN)?
- New Akanksha Scheme (Educational Loan) (GTKVN) 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) (GTKVN)?
- Eligibility for New Akanksha Scheme (Educational Loan) (GTKVN) 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) (GTKVN)?
- Benefits under New Akanksha Scheme (Educational Loan) (GTKVN) 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) (GTKVN)?
- New Akanksha Scheme (Educational Loan) (GTKVN) 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) (GTKVN)?
- Yes, eligible applicants may be able to apply online for New Akanksha Scheme (Educational Loan) (GTKVN) 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) (GTKVN)?
- 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) (GTKVN)?
- Applications for New Akanksha Scheme (Educational Loan) (GTKVN) 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) (GTKVN)?
- 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) (GTKVN)?
- Income certificate requirements may vary depending on beneficiary category, subsidy eligibility, and financial assistance criteria defined under New Akanksha Scheme (Educational Loan) (GTKVN).
- Is New Akanksha Scheme (Educational Loan) (GTKVN) available in all states?
- No, New Akanksha Scheme (Educational Loan) (GTKVN) 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) (GTKVN)?
- Eligibility for New Akanksha Scheme (Educational Loan) (GTKVN) is generally limited to residents of Gujarat unless otherwise specified in the official scheme guidelines.
- Can students apply for New Akanksha Scheme (Educational Loan) (GTKVN)?
- Eligible students studying in recognised institutions may apply for New Akanksha Scheme (Educational Loan) (GTKVN) depending on educational qualification, category, income limit, and academic eligibility.
- Is scholarship amount provided under New Akanksha Scheme (Educational Loan) (GTKVN)?
- New Akanksha Scheme (Educational Loan) (GTKVN) may provide scholarship assistance, tuition support, educational reimbursement, or financial aid for eligible students.
- Does New Akanksha Scheme (Educational Loan) (GTKVN) provide healthcare or insurance support?
- New Akanksha Scheme (Educational Loan) (GTKVN) 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) (GTKVN) 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) (GTKVN)?
- 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) (GTKVN)?
- 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) (GTKVN)?
- 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) (GTKVN) 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) (GTKVN) 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.