E-Samaj Kalyan Gujarat Education Loan

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.

Features of Samaj Kalyan abroad education loan

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:

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

E-Samaj Kalyan Education Loan Application Process

The application process for the E-Samaj Kalyan SC/ST Education Loan is fully online. You can apply through the official website of the e-Samaj Kalyan scheme by following these steps:

• Visit the Official Website: Start by accessing the Gujarat E-Samaj Kalyan Yojana's official website.
• Register as a New User: On the right side of the homepage, find the option that says, "New user? Please Register Here," and click on it.
• Enter Your Details: On the registration screen, fill in your details, including your name, date of birth, Unique Identification (UID) number, caste, and mobile number.
• Review and Register: Double-check the information you've provided, then click on the ‘Register’ button to complete the registration process.
• Select the Loan Scheme: After registering, navigate to the available options and select the foreign education loan scheme.
• Complete the Application: Provide the required details and upload the necessary documents to finalize your application.

By following these simple steps, you can easily start your application for financial assistance under the Samaj Kalyan scheme for education.

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:

• First, visit the official website of Samaj Kalyan Gujarat.
• Once you are on the homepage of the Samaj Kalyan Gujarat website, locate the "Your Application Status"

• On this new page, you will be prompted to fill your application number and date of birth

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

• Domicile certificate
• Income certificate
• Aadhaar card
• Voter ID card
• Past academic record.

• 
  10th standard mark sheet
• 
  12th standard mark sheet
• 
  Under graduate result (semester-wise)

• Caste Certificate
• Physically handicapped certificate (If any)
• Bank details
• Bank passbook
• BPL certificate
• College ID proof
• Recent passport size photograph
• Residential certificate
• 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.

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

Read more on: Documents required for an abroad education loan

E-Samaj Kalyan Education Loan Repayment 

The repayment process for the E-Samaj Kalyan education loan is designed with flexibility in mind, aiming to support students from economically and socially disadvantaged backgrounds in managing their financial responsibilities without excessive stress. Repayment generally starts one year after completing the course or six months after securing a job, whichever occurs first. The loan can be repaid through manageable monthly or quarterly installments, with a maximum repayment period of 10 years. During the moratorium period, interest is typically calculated as simple interest, which helps ease the financial burden. Additionally, it's important to highlight that while the principal amount must be repaid within 10 years, the interest portion needs to be settled within just 2 years, ensuring timely repayment is vital to avoid penalties and maintain a strong credit score, which is essential for future financial opportunities.

Watch our video to learn A-Z about education loans to study abroad

Moratorium Period for E-Samaj Kalyan Education Loan

The E-Samaj Kalyan education loan includes a moratorium period, which serves as a grace period during which students are not required to make monthly payments (EMIs). This period covers the entire duration of the course and extends for an additional 6 months after students graduate. This allows ample time to find employment and get finances in order before regular repayments begin for the students. This feature is designed to ease the financial burden on students from economically and socially disadvantaged backgrounds, ensuring they can focus on their studies without the immediate pressure of loan repayments.

Conclusion

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.

Read Also:

• Documents required for an abroad education loan
• Education Loan for Study Abroad by Gujarat Government
• Education Loan for Abroad Studies Without Collateral
• Types of Education Loans for Abroad Studies
• Foreign Education Loan for Abroad Studies
• Collateral Security for Education Loan

Frequently asked questions