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E-Samaj Kalyan Abroad Education Loans: Eligibility Criteria, Documents & More

A recent survey by the University Living specifies that among the total number of Indian students studying abroad in 2022, 8% were from the state of Gujarat. This 'Beyond Beds and Boundaries: Indian Student Mobility Report 2023-2024' survey projects that the preference is estimated to grow further. Studying abroad to gain a top-tier education has become a preferred choice for countless students. However, for many students in Gujarat, specifically those from socially and economically disadvantaged backgrounds, this dream often remains out of reach due to financial constraints.

Bridging this gap, the Gujarat Government has taken a remarkable step forward with the E-Samaj Kalyan Abroad Education Loans. This government-backed abroad education loan scheme is for aspiring eligible students. Over the years, this loan scheme has been making international education more accessible through low-interest loans and simplified application processes.

If you are a student with a vision for global education or a parent wanting to support your child’s academic journey, then this article will take you through each step of the process. Keep reading to find out the essentials of the E-Samaj Kalyan Education Loans for higher education abroad.


Features of E-Samaj Kalyan Abroad Education Loans

The E-Samaj Kalyan Abroad Education Loan scheme is for students from Gujarat belonging to socially and educationally backward classes (SEBC), scheduled castes (SC), and economically weaker sections (EWS). This scheme enables deserving students to study at prestigious universities around the world without the stress of heavy financial burdens and high-interest debt. The key features of E-Samaj Kalyan Abroad Education loan scheme includes the following:

  1. Generous Loan Amount & Coverage: This loan provides a maximum loan amount of INR 15 lakhs and covers a wide range of essential expenses.

  2. Lowest Interest Rates: With government subsidies, the E-Samaj Kalyan loans offer low interest rates at just 4%.

  3. Flexible Repayment Terms: Repayment plans are structured to begin after the student completes their education and finds employment. The loan can be paid in monthly or quarterly instalments, and it must be repaid within 10 years.

  4. Fixed Income Limit: The annual family income should be below INR 10 lakhs for this loan.

  5. Collateral Requirement: The property of the co-applicant will have to be mortgaged and registered by the government after the loan sanction.

  6. Direct Government Support: The loan scheme is directly supported and managed by the Gujarat government, ensuring transparency and easy accessibility for eligible students.

With these features, the E-Samaj Kalyan loans provide a solid financial foundation for students looking to gain global exposure and further their education. Moving ahead, let’s check the eligibility requirements.


E-Samaj Kalyan Abroad Education Loans Eligibility Criteria

To ensure that this loan reaches those who genuinely need it, the Gujarat Government has outlined specific education loan eligibility requirements:

  1. Gujarat Residency: Applicants must be residents of Gujarat and be able to provide proof of residency.

  2. Class and Economic Background: The loan scheme is intended for students from socially and educationally backward classes (SEBC), scheduled castes (SC), and economically weaker sections (EWS).

  3. Educational Qualifications: They must have completed their higher secondary education and gained admission to a recognized institution abroad. A minimum of 60% is required in the 12th class and 50% is required for applicants belonging to super backward classes.

  4. Income Limit: To prioritize assistance for students from low-income families, the scheme has a set income threshold of INR 10 lakhs for the applicant's family.

Meeting these criteria is the first step toward applying for the loan. Furthermore, the next step is gathering the required documentation for this Gujarat government education loan for study abroad. Let’s have a glance at this list ahead.


E-Samaj Kalyan Abroad Education Loans Document Checklist

Applicants will need to upload the following documents to complete the application process:

  1. Proof of Residency: Documentation proving permanent residency in Gujarat, such as an Aadhaar card or a residence certificate.

  2. Class Certificate: A valid caste certificate for students applying from SEBC, SC, or EWS categories.

  3. Income Certificate: Stating the family’s annual income the income certificate needs to be issued by a recognized authority. IT Return and Form-16 can also be submitted.

  4. Admission Letter: A formal acceptance or admission letter from the foreign university or institution where the applicant intends to study.

  5. Academic Records: Mark sheets and certificates from previous educational qualifications, such as higher secondary or undergraduate degrees.

  6. Passport Copy: A valid passport copy is mandatory as proof of identity and for travel purposes.

  7. Bank Account Details: Details of the applicant’s or their guardian’s bank account for fund disbursement purposes.

  8. Collateral Details: Details of the property mortgaged will be necessary for the loan application.

Beyond these documents, two passport-size photographs as per the specified application guidelines will be needed. Having these documents ready will expedite the application process and help avoid any delays due to incomplete applications.

Now that you have collected all the documents, the next step is to start and complete the loan application process. Applicants can apply for this loan before going or within 6 months of relocation.


Application Process for E-Samaj Kalyan Abroad Education Loans

The Gujarat government has restructured the application process for the E-Samaj Kalyan Abroad Education Loan to make it digital and accessible. The application process for this education loan scheme can be completed by following these steps:

  1. Register Online: Visit the E-Samaj Kalyan Gujarat portal and sign up to create an account. A valid email ID and contact number are required for registration.

  2. Complete the Application Form: Once registered as a new user, fill out the loan application form with accurate personal details, educational background, and course information.

  3. Upload Required Documents: Scan and upload each required document in the format specified by the portal.

  4. Submit the Application: After carefully reviewing all details and documents, submit the form. Once submitted, an acknowledgement receipt or reference number will be generated for future tracking.

  5. Verification and Approval: The district office officials review the application and verify the details provided. After verification, the application is forwarded to the office of the Director, Development Caste Welfare for decision. If approved, the applicant will receive confirmation along with the next steps regarding fund disbursement.

Completing each step carefully ensures that your application moves swiftly through the verification and approval stages. If you are wondering what lies ahead now, well, it’s tracking the application process.


How to Track E-Samaj Kalyan Abroad Education Loan Application Status?

After applying, applicants can easily track their status through the E-Samaj Kalyan portal. Here’s how to go about it:

  1. Log in to Your Account: Use your registration credentials to access the E-Samaj Kalyan portal.

  2. Check Application Status: In the dashboard, select the ‘Application Status’ tab. Enter your reference number to view the current status, which may indicate whether the application is under review, approved, or awaiting additional information.

  3. Contact Support if Needed: If there is a delay or any other issue, applicants can reach out to the portal’s support team. The portal provides contact information for queries, ensuring that assistance is readily available.

Wrapping up this article, this is everything about the E-Samaj Kalyan Abroad Education Loan. With time, this Gujarat government education loan scheme has become a financial lifeline for students from Gujarat’s disadvantaged communities who aspire to study abroad.

For students and families, this is an excellent opportunity to take the leap towards global education with the support of the Gujarat government. If you are ready to apply for this loan, then reach out to our dedicated team of experts at Élan Overseas Education Loans for guidance through the application process and beyond. Let’s make international education within reach with the E-Samaj Kalyan Abroad Education Loan!

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