Education Loan

E-Samaj Kalyan Gujarat Education Loan

E-Samaj Kalyan Gujarat Education Loan

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Read GyanDhan’s blog on Samaj Kalyan education loan features, eligibility criteria, the registration process of E-Samaj Kalyan, and more.

Ananya Ghai
Updated on:  04 Mar 2024  | Reviewed By: 
| 3.48K | 5  min read

The Samay Kalyan Gujarat Yojana is an initiative by the Gujarat Social Justices and Empowerment Department. The SJED Digital Gujarat has introduced the e-Samaj Kalyan Gujarat Digital Yojana for candidates belonging to Scheduled Caste (SC) and Economically Backward Classes (EBC)

The loan for foreign study scheme is offered to students who belong to scheduled caste sections of society and cannot afford the cost of education. The loan covers the cost of tuition fees, books, and other expenses related to education.

Check Your Education Loan Eligibility


Features of Samaj Kalyan abroad education loan

Feature Description

Loan amount

Up to INR 15 Lakh

Interest rate


Income limit

No income limit

Moratorium period

Course duration + 6 months

Repayment tenure

10 years


After the loan is sanctioned, the student's guardian has to pledge their property as collateral. 


Eligibility criteria of Samaj Kalyan education loan

The Loan for foreign study under the E-Samaj Kalyan scheme is designed exclusively for individuals from marginalized backgrounds. To access the advantages of this scheme, potential beneficiaries need to ensure they meet the eligibility criteria, which include:

  1. list items Students should belong to SC/ST or Economically Backward Classes (EBC).
  2. list items Students should be native of any state of Gujarat.
  3. list items At least 60% or more marks in class-12.
  4. list items Eligible courses: PG, Phd., Computer courses, Technical and professional courses after 12th class.
  5. list items Students should have secured admission to a recognized university abroad through merit.
  6. list items A maximum of two people from a family can apply for this scheme. 
  7. list items A student can apply before going abroad or within six months of going abroad.

How to register at E-Samaj Kalyan website?

To register on the SJED and eventually apply for Samaj Kalyan education loan follow the steps given below:

Step 1: Visit the official e-Samaj Kalyan Gujarat website.

Step 2: On the extreme right hand side click on ‘Please Register Here’ option and complete the registration form.  

Samaj Kalyan Gujarat Education Loan

Step 3: After successful registration to the E-Samaj Kalyan page, applicants can select the loan for foreign study and apply online.

 Note: When you apply for an education loan through Samaj Kalyan, you have to timely update the authorities about your whereabouts, place of work, contact number and email-id until the loan is completely repaid. 



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How to track your application status at E-Samaj Kalyan Gujarat?

To track your application status on the Samaj Kalyan Gujarat portal, follow these steps:

The system will process your request, and the status of your application will be displayed on the screen. This may include information about whether your application is pending, approved, rejected, or any other relevant status updates.


Documents required for registration at Samaj Kalyan website

To apply for an abroad education loan through Samaj Kalyan, the first step is to register on the portal and submit the following documents

  1. list items Domicile certificate
  2. list items Income certificate
  3. list items Aadhaar card
  4. list items Voter ID card
  5. list items Past academic record.     a. 10th standard mark sheet     b. 12th standard mark sheet     c. Under graduate result (semester-wise)
  6. list items Caste Certificate
  7. list items Physically handicapped certificate (If any)
  8. list items Bank details
  9. list items Bank passbook
  10. list items BPL certificate
  11. list items College ID proof
  12. list items Recent passport size photograph
  13. list items Residential certificate
  14. list items SC caste certificate

Once the student has registered on the portal, the student then needs to fill the loan application form and submit the following documents.

  1. list items Proof of residence: (Ration Card/Electricity Bill/Licence/Rent Agreement/Chutni Card)
  2. list items Instance of caste/sub-caste of the applicant
  3. list items Example of dropping out of school
  4. list items Certificates of educational qualification
  5. list items Affidavit of the legislator (in original)
  6. list items Passport
  7. list items Visa
  8. list items Air ticket
  9. list items Example of loan application and eligibility
  10. list items Specimen of surety bond on stamp of Rs.100/- Annexure – C
  11. list items Property valuation report
  12. list items Property Aadhaar (Presenting 7-12 recent transcripts/index.)
  13. list items Copy of first page of bank passbook / cancelled check (in applicant's name)  

Check Your Education Loan Eligibility

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In conclusion, the E-Samaj Kalyan Gujarat program stands as a beacon of hope for aspiring students from weaker sections of society in the state of Gujarat. It embodies the spirit of empowerment and inclusivity, providing financial assistance to those who dream of pursuing higher education but face economic constraints. Through its education loan schemes and initiatives, E-Samaj Kalyan Gujarat has not only eased the burden of educational expenses but has also fostered a sense of equality and progress.

However, if you fail to fulfill the eligibility criteria of E- Samaj Kalyan, then remember GyanDhan can help you secure an education loan to pursue your study abroad dream. All you have to do is check your loan eligibility


Frequently asked questions

What is the E-samaj kalyan portal?

E-Samaj Kalyan is an official portal from which one can apply online for various government schemes such as Kunwar Bai Nu Mameru Yojana, Palak Mata Pita Yojana, Awas Yojana, etc. can apply through this portal.

What is the interest rate of Samaj Kalyan education loan?

The interest rate of Samaj Kalyan education loan is 4%.

What is the maximum amount of loan by Samaj Kalyan education loan for studying abroad?

The E-Samaj Kalyan Gujarat provides a loan of INR 15 Lakh for abroad education.

What is the E-Samaj Kalyan helpline number?

For any kind of assistance, students can contact the E-Samaj Kalyan at 079-23213017 from 10:30 A.M. to 6:30 P.M.

Check Your Education Loan Eligibility


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