Loan for Foreign Study (SEBC)

How the process works

1. 1

   Step 1: Check eligibility

   Gujarat SEBC student with at least 60% in Class 12, family income under ₹10 lakh, admitted to an eligible foreign course lasting at least one year. Minimum 60% marks in Class 12 (50% for specified NT/DNT and most backward groups). Family income below ₹10 lakh per annum. Foreign course must have a minimum duration of one academic year or two semesters. Must apply before leaving India or within six months of travelling abroad. Only one member per family may avail this benefit. Requires a financially sound guarantor and registered mortgage of acceptable immovable property.

2. 2

   Step 2: Prepare documents

   The official source lists the following documents.

   Documents needed for this step

   • Aadhaar card of student and parents.
   • Valid SEBC caste certificate and non-creamy layer certificate.
   • Current family income certificate (below ₹10 lakh).
   • Class 10, Class 12 and graduation marksheets/degrees.
   • Foreign university offer letter / I-20 / admission confirmation.
   • Detailed fee structure and course duration certificate.
   • Passport and valid student visa copy.
   • Air ticket copy (if already travelled).
   • Student bank passbook with IFSC.
   • Guarantor documents and parent/guarantor property papers with official valuation report.
3. 3

   Step 3: Apply

   Both Online and District Office: Apply online on https://esamajkalyan.gujarat.gov.in/ and submit two complete physical sets to District Developing Castes Welfare Office. Step 1: Register and apply online at https://esamajkalyan.gujarat.gov.in/ selecting Director Developing Castes Welfare → Loan for Foreign Study. Step 2: Fill personal, academic, foreign admission, and guarantor details, and upload all required documents. Step 3: Submit application online, print copy, and deliver two physical sets with original documents to the District Office. Step 4: After district scrutiny and sanction, execute registered mortgage deed in favour of Government; loan amount disbursed to student's bank account.

4. 4

   Step 4: Verification

   Scrutiny by District Developing Castes Welfare Officer and physical inspection of mortgage property.

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

   Education loan of up to ₹15 Lakh for tuition fees and foreign study expenses. Subsidised simple interest rate of 4% per annum. Repayment moratorium during course duration plus 1 additional year. Repayment tenure of up to 10 years for principal, followed by up to 2 years for interest. Direct credit to student's bank account in instalments aligned with course requirements.

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

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