सीधा जवाब
The scheme aims to provide financial assistance for technical and non-technical education that creates employment or job opportunities for beneficiaries.
- किसे मिलेगी?
- अल्पसंख्यक, छात्र, बेरोजगार · 16 से 32 साल · परिवार की आय Rs. 8 लाख सालाना तक · गुजरात के निवासी
- क्या मिलेगा?
- For studies within India, a maximum loan of Rs. 1,50,000/- per year and up to Rs. 7,50,000/- for a five-year course can be obtained
- आवेदन कैसे?
- ऑनलाइन, योजना के आधिकारिक पोर्टल पर
Scheme Details यह योजना क्या है?
The scheme aims to provide financial assistance for technical and non-technical education that creates employment or job opportunities for beneficiaries. Through this scheme, loans are provided to eligible students from minority communities for studies within India and abroad.
The "Educational Loan Scheme" is implemented by the Gujarat Minorities Finance and Development Corporation (GMFDC) under the Social Justice and Empowerment Department, Government of Gujarat. The scheme aims to provide financial assistance in the form of loans for all types of education, including various technical and non-technical courses, that help beneficiaries gain employment or enhance their job prospects. Under this scheme, low-interest loans are offered to eligible students from minority communities to pursue graduate and postgraduate courses in technical, vocational, professional, and medical fields, either in India or abroad.
Benefits कितना लाभ मिलेगा?
For studies within India, a maximum loan of Rs. 1,50,000/- per year and up to Rs. 7,50,000/- for a five-year course can be obtained
- For medical courses within India, Rs. 2,50,000/- for 1 year and Rs. 12,50,000/- for 5 years can be obtained.
- For abroad studies, a maximum loan of Rs. 3,00,000/- for 1 year and Rs. 15,00,000/- for 5 years is provided.
- The annual interest rate on this loan is 3%.
Note 1: If the applicant’s annual family income is up to Rs. 98,000 in rural areas or Rs. 1,20,000 in urban areas, the loan is provided at a concessional interest rate of 3% per annum.
Note 2: According to the National Corporation's Credit Line-2, for families with an income of Rs. 1,20,000/- up to Rs. 8,00,000, the interest rate is 5% for female students and 8% for male students.
Note 3: The loan and interest amount is to be repaid in 60 equal monthly installments within five years from the date of completion of studies or from the date of getting a job, whichever is earlier.
Note 4: Penalty interest at the rate of 2% is payable on delayed payments.
योजना की मुख्य जानकारी
| किस इलाके में लागू | गुजरात (राज्य सरकार की योजना) |
|---|---|
| लाभ का प्रकार | नकद (बैंक खाते में) |
| किसके लिए | व्यक्ति |
|---|---|
| DBT (सीधे बैंक खाते में) | नहीं |
Eligibility कौन आवेदन कर सकता है?
जो शर्त आप पर लागू होती है, उस पर निशान लगाएं। सभी शर्तें पूरी हों, तभी आवेदन करें।
आधिकारिक शर्तें एक नज़र में
- 16 से 32 साल
- परिवार की आय Rs. 8 लाख सालाना तक
- केवल छात्र
- अल्पसंख्यक समुदाय
5. The applicant's age should be between 16 and 32 years.
Documents Required कौन-से दस्तावेज़ चाहिए?
जो दस्तावेज़ आपके पास है, उस पर निशान लगाएं। निशान सिर्फ़ इसी फ़ोन या कंप्यूटर पर याद रहते हैं।
How to Apply आवेदन कैसे करें?
आधिकारिक तरीके के अनुसार, एक-एक कदम।
ऑनलाइन
Registration
Step 1: Visit the Gujarat Minority Finance and Development Corporation official website.
Step 2: Register as a new user with name, mobile number, email, Aadhaar number, and create a password.
Step 3: In the form, provide all the mandatory fields, fill in the captcha code, and click "Submit" to complete the registration process. A pop-up will appear acknowledging successful registration and displaying your User ID for Login.
Application
Step 1: Visit the Gujarat Minority Finance and Development Corporation official website.
Step 2: Log in using your registered credentials. Select the Education Loan Scheme from the available schemes.
Step 3: Fill in personal details, income information, business details, and bank account details.
Step 4: Upload required documents: Identity Proof, Address Proof, Income Certificate, Minority Certificate, Educational Qualification Certificate, and Bank Passbook.
Step 5: 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.
Step 6: Carefully review all the information provided and the documents uploaded. Make corrections, if any.
Step 7: 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.
Track Application Status
Step 1: Visit the Gujarat Minority Finance and Development Corporation official website.
Step 2: Navigate to the bottom of the home page, and click "Your Application Status".
Step 3: On the next page, provide your Application Number, Date of Birth, and click "View Status". The current status of your application will be displayed.
Contact:
For any assistance, contact 079-23253843, 23254583, 23253757 or email md-gmfdcl@gujarat.gov.in.
FAQs लोग यह भी पूछते हैं
What is the primary purpose of this scheme?
This scheme provides credit for all types of technical and non-technical education that create special employment or job opportunities for the beneficiary.
When does the repayment period for the loan and interest begin under this scheme?
The repayment of the loan and interest amount begins six months after the completion of studies or from the date of getting a job, whichever is earlier.
How long is the total repayment period for the loan, and how are the installments structured?
The loan and interest amount are to be repaid in 60 equal monthly instalments within five years.
What is the minimum and maximum age requirement for an applicant for this scheme?
The applicant's age should be between 16 and 32 years.
Which religious communities are recognized as minorities by the Corporation?
Muslim, Christian, Sikh, Jain, Buddhist, Parsi, and Jewish communities are recognised as religious minorities.
Which linguistic communities are recognized as minorities by the Corporation?
Sindhi, Marathi, and Urdu communities are recognised as linguistic minorities.
Is an applicant eligible for this loan if they have previously received a loan from another government financial institution?
No, the applicant or any family member should not have received a loan from Gujarat Minorities Finance and Development Corporation or any other central/state government corporation/institution or bank.
Where can beneficiaries get more information regarding this scheme?
More information can be obtained by contacting the Corporation's office in Gandhinagar or the District Deputy Director/District Social Welfare Officer (Developing Castes) office in the district.
Are there any security requirements or bonds that a loan recipient must fulfill for this scheme?
Yes, the loan recipient must fill security bonds according to the loan amount, as per orders from the Social Justice and Empowerment Department, Gandhinagar.
Which types of higher education courses are eligible for loans under this scheme?
Loans are provided to eligible students from minority communities for graduate and postgraduate technical, professional, medical, and paramedical courses.
Who determines the income and economic criteria for providing low-interest loans?
The income limits and economic criteria for providing low-interest loans are determined by the Government from time to time.
Official Website आवेदन कहां होता है?
योजना चलाने वाले विभाग के पोर्टल या सरकारी दफ़्तर में। लाभ दिलाने के बदले कोई पैसे मांगे, तो उसे पैसे न दें।
gmfdconline.gujarat.gov.in
योजना के आधिकारिक कागज़
- Information Leaflet On Economic Upliftment Schemes Of Gujarat Minority Finance And Development Corporationsje.gujarat.gov.in · PDF
- आधिकारिक वेबसाइटsje.gujarat.gov.in
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