Loan for Foreign Study—EBC

How the process works

1. 1

   Step 1: Check eligibility

   Economically Backward Class (EBC) students of Gujarat securing at least 60% in Class 12, admitted to recognised foreign courses of at least 1 year / 2 semesters, with family annual income up to ₹4,50,000. Minimum 60% marks in Class 12. Unconditional admission in a recognised foreign university for a course of at least one academic year or two semesters. Application must be submitted before departure or within six months of arriving abroad. Must provide registered mortgage deed of unencumbered immovable property or solvent guarantor.

2. 2

   Step 2: Prepare documents

   The official source lists the following documents.

   Documents needed for this step

   • EBC certificate issued by competent Gujarat authority.
   • Income certificate and recent ITR / Form 16 of parents/guardians.
   • Class 10, 12 and degree qualifying marksheets.
   • Unconditional admission letter / I-20 / CAS from foreign university.
   • Valid Passport, Visa and Air ticket copy.
   • Property documents for registered mortgage valuation.
   • Solvent guarantor declaration and financial documents.
   • Bank account details with IFSC.
3. 3

   Step 3: Apply

   Online application through eSamajKalyan portal followed by submission of two physical documentation sets at District Developing Castes Welfare Office. Step 1: Register and apply online under EBC Foreign Study Loan on eSamajKalyan (esamajkalyan.gujarat.gov.in). Step 2: Upload academic marksheets, foreign university admission letter, I-20, visa and income certificate. Step 3: Print online application and submit two complete physical sets to District Developing Castes Welfare Office. Step 4: Department conducts scrutiny and issues provisional sanction letter. Step 5: Execute registered mortgage of property in favour of Government; loan amount is disbursed to beneficiary.

4. 4

   Step 4: Verification

   Document verification and legal scrutiny of mortgaged property title by Government Pleader / District Office.

5. 5

   Step 5: Sanction / decision

   Decision authority, as stated by the official source: Director, Developing Castes Welfare, Government of Gujarat.

6. 6

   Step 6: Benefit

   Educational loan up to ₹15 Lakh for foreign tuition fees, living expenses and airfare. Subsidised simple interest rate of 4% per annum. Moratorium period covering the full course duration plus one year. Repayable in monthly instalments after the moratorium period. Direct credit into student's bank account in foreign exchange / tuition fee transfer.

7. 7

   Step 7: If delayed or rejected

   This step has not yet been confirmed from an official source. Please refer to the official portal or the concerned department.

8. 8

   Step 8: Grievance / appeal

   Director Developing Castes Welfare (079-23253245) and Gujarat SWAGAT portal https://swagat.gujarat.gov.in/