Sarkari Yojana
Educational Study Scheme
About Educational Study Scheme
Gujarat’s Social Justice and Empowerment Department introduced the “Educational Study Scheme” to make undergraduate and postgraduate professional studies more affordable through low-cost education loans. Loans cover courses accredited by the appropriate councils, both for students studying in Gujarat and for those attending select institutions in other states/UTs such as IIM, IIT, NID, NIFT, IRMA, and TISS. Implementation is handled by the Gujarat Unreserved Education and Economical Development Corporation.
Scheme Overview
State Government
Gujarat Unreserved Education And Economical Development Corporation
Individual
Scheme Details
Eligibility Requirements
To qualify for Educational Study Scheme, applicants must satisfy the following conditions:
Applicants must hail from Gujarat
Applicants must hail from Gujarat
Only candidates from the unreserved category may apply
Only candidates from the unreserved category may apply.
The applicant should have cleared Standard 12 with…
The applicant should have cleared Standard 12 with at least 60% from a school within Gujarat.
For state educational loan schemes, the family's annual…
For state educational loan schemes, the family's annual income must not exceed ₹6,00,000/-. Note:
Widows and orphans receive preference when loans are…
Widows and orphans receive preference when loans are sanctioned.
If a student abandons the course midway or…
If a student abandons the course midway or does not earn the degree within the set time, the loan becomes recoverable immediately and no interest subsidy will apply.
Benefits Provided
Educational Study Scheme provides the following benefits to eligible applicants:
Financial Assistance: The Corporation lends either the full tuition fee for the whole course or ₹10,00,000/-, whichever amount is lower, at 4% simple interest. Collateral:
Where the loan for the whole course totals…
Where the loan for the whole course totals ₹7,50,000/- or less, a charge equal to one and a half times the loan must be registered on property belonging to the beneficiary or a relative.
Where the loan for the whole course exceeds…
Where the loan for the whole course exceeds ₹7,50,000/-, immovable property of the borrower or a relative worth the same total must be mortgaged to the Corporation. Loan repayment:
Loans totalling up to ₹5,00,000/- are repaid with…
Loans totalling up to ₹5,00,000/- are repaid with interest in equal monthly installments spread over 5 (five) years, beginning 1 year after studies end.
Loans above ₹5,00,000/- are repaid with interest in…
Loans above ₹5,00,000/- are repaid with interest in equal monthly installments spread over 6 (six) years, beginning 1 year after studies end.
Each repayment is adjusted against interest first
Each repayment is adjusted against interest first.
Borrowers are free to clear the loan before…
Borrowers are free to clear the loan before the deadline.
Documents Required
Applicants should keep the following documents ready before starting the application:
School Leaving Certificate, or alternatively a Birth Certificate
School Leaving Certificate, or alternatively a Birth Certificate
Photocopy of the Aadhaar Card
Photocopy of the Aadhaar Card
Photocopy of the Ration Card
Photocopy of the Ration Card
Proof of residence
Proof of residence
Certificate of annual family income
Certificate of annual family income
Certificate of Non-Reserved Category status
Certificate of Non-Reserved Category status
Income Tax Return
Income Tax Return
Photocopies of Class 10th & Class 12th mark…
Photocopies of Class 10th & Class 12th mark sheets (or a Diploma Certificate)
Evidence covering the gap between graduation & the…
Evidence covering the gap between graduation & the application date (if applicable)
How to Apply
Online Application
Applicants can apply for Educational Study Scheme through the online application process outlined below.
Registration Process:
Visit the e-Samaj Kalyan portal and open the…
Visit the e-Samaj Kalyan portal and open the "Gujarat Unreserved Education and Economical Development Corporation" section from the Corporation menu.
Choose "Training Assistance for Competitive Examinations" and select…
Choose "Training Assistance for Competitive Examinations" and select Apply Now.
Select "New User? Please Register Here"
Select "New User? Please Register Here".
Fill in the requested details and press Register
Fill in the requested details and press Register. Application Process:
Type your User ID, Password and the Captcha…
Type your User ID, Password and the Captcha Code, then press "Login".
Go through the scheme details thoroughly and press…
Go through the scheme details thoroughly and press OK.
Confirm your permanent address if it is shown…
Confirm your permanent address if it is shown correctly; if not, enter the right address.
Press Save & Next to continue, then upload…
Press Save & Next to continue, then upload the necessary documents.
Choose "No, Cancel" to make edits, or "Yes,…
Choose "No, Cancel" to make edits, or "Yes, Submit" if everything is accurate.
Press Save Application, record the Application Number for…
Press Save Application, record the Application Number for future use, and print a copy using Print Application if needed. Check Application Status: Click here . Post Online Application Procedure: Once the online form is submitted, print it, sign it and send it with all the uploaded documents (certificates, mark sheets and so on) to the relevant Deputy Director (Non-Reserved Category) or the District Social Welfare Officer by courier or post, or deliver it in person. Contact Us: Click here .
Official Application & Website
Verify the latest eligibility, dates and instructions before applying.