असम
Bidya Lakshmi Loan
मुख्य लाभ
The State Government Employees whose annual salary income exceeds Rs 4.5 lakh can avail of loans upto 10.00 lakh under Credit Linked Subsidy Scheme (CLSS) The employees are free to take loans over…
क्या यह योजना आपको मिलेगी?
9 आसान सवालों के जवाब देंयोजना की जानकारी सरकारी वेबसाइट की तरह अंग्रेज़ी में है। हिंदी में सुनने के लिए “आसान हिंदी में समझाएँ” दबाएँ।
योजना के बारे में
Detailed In pursuance of the announcement made in the Budget Speech, 2016-17, the Government of Assam has taken a decision to provide higher education loans for the children of State Government Employees of all categories, The Governor of Assam is pleased to formulate the following guidelines and procedures. The State Government will provide a loan of Rs.5.00 lakh to Rs. 10.00 lakh at an interest rate of 4% . This was proposed in view of the financial hardship usually faced by State Government employees towards the cost of higher studies.
The proposed interest rate for employees with annual income up to Rs.4.50 lakh is eligible under the Credit Linked subsidy Scheme (CL.
SS) where 100% CLSS subsidy will be provided by the Central Government guideline during the moratorium period i.e. course period plus one year. After the moratorium period with State Government interest subvention, the effective rate of interest will be @ 4% for the employees under the CLSS category.
The employees are free to take loans over and above Rs.10.00 lakh from the SBI. _however, the interest subvention on the loan from the State Government along with another concession will be limited to Rs.10.00 lakh. The market rate of interest and other collateral securities as required by SBI will also be applicable for the amount of loan availed above Rs.10.00 lakh.
Quantum Of Fiance Need-based finance is subject to repaying capacity of the parents/students with margin and the following ceilings
Studies in India - Maximum Rs. 10.00 lakh.
Studies Abroad - Maximum Rs. 10.00 lakh.
Security
Upto Rs. 10.00 lakh: No Collateral Security or third-party guarantee. Parents will be co-borrower in all cases under the scheme.
Rate Of Interest
For all loans upto Rs. 10 lacs: 1 year MCLR + 1%.
Concession of 0.50% for girl students.1% rebate at the time of closure of loan, if interest is serviced during course and moratorium period.
Note Effective ROI not to bé below 1 year MCLR at any point of time
MoratoriumCourse period + 1 year.
Repayment Period
Up to 15 years after the commencement of repayment.
The accrued interest during the moratorium period/ repayment holiday period for loans up to Rs 10.00 lacs will be recovered on the month to month basis.
Processing Charge
No processing/ upfront charges may be collected on educational loans
Interest Subvention from Govt of Assam
Govt. of Assam will provide a need-based subsidy to keep the effective rate of interest at 4.0%.
The Govt. of Assam subsidy will be available for loans up to Rs. 10.00 lakhs. In case of a loan of more than Rs 10.00 lakhs interest subsidy will be available on loan amounts up to Rs 10.00 lakhs.
The Interest Subvention Scheme of the Assam State Government will be available for the entire loan tenure.
Where Central Govt. interest subsidy during the moratorium will be available, the Govt. of Assam subvention will be provided after the completion of the moratorium period.
लाभ
- The State Government Employees whose annual salary income exceeds Rs 4.5 lakh can avail of loans upto 10.00 lakh under Credit Linked Subsidy Scheme (CLSS) The employees are free to take loans over and above Rs 10.00 lakh from the SBI.
- An education loan can be availed to pay the course fee, and buy books, computers, educational equipment and any other items necessary for the completion of the course.
- Educational loan for studies abroad and cost of travelling expenses.
- The Education loan will be provided to parents i,e State Government employees and the students jointly and the loan will be released directly to the educational institutions.
कौन आवेदन कर सकता है
- Students :
- Secured admission to Professional/ Technical courses as stated in the item number. Students who have failed in the last qualifying examination including class XII will not be considered.
- Only the wards of employees of Govt. of Assam presently in-service will be eligible.
- Parents :
- Employees of State Government of Assam with Check off facility.
- Should have at least 5 years of residual pensionable service.
- Ready to undertake to repay the loan amount even if a student fails to secure a job after completion of the course.
- In case of retirement during the currency of the loan, he will opt to draw Pension through SBI at least until the loan is liquidated.
कौन आवेदन नहीं कर सकता
- Private employees are not allowed to apply to the scheme.
ज़रूरी कागज़ात
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आवेदन कैसे करें
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Steps to application
1. Open the official website or the applicant can download the application form from here.
2. Click on Apply Now or click here.
3. Fill out the required detail and submit.
5. Now login again and provide further details in the below section. Basic Information
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Course Details
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आम सवाल
What are the benefits can be avail from this loan?
An education loan can be availed to pay the course fee, and buy books, computers, educational equipment and any other items necessary for the completion of the course.
Can students study abroad with this loan ?
Students can avail of this Educational loan for studies aboard and the cost of travelling expenses.
How much loan can be taken?
The employees are free to take loan over and above Rs 10.00 lakh from the SBI.
How much loan can be taken under Credit Linked Subsidy Scheme (CLSS)?
The State Government Employees whose annual salary income exceeds Rs 4.5 lakh can avail loan upto 10.00 lakh under Credit Linked Subsidy Scheme (CLSS) .
To support the financial hardship of the State Government Employees towards the cost of higher studies What should be the annual income to avail this loan ?
The State Government Employee whose Annual Income exceeds Rs 4.5 lakh can avail loan upto 10.00 lakh under Credit Linked Subsidy Scheme (CLSS).
Which courses/educational institutions can be covered under the loan scheme?
Courses conducted by Colleges/Universities approved by UGC/Government/AICTE in Assam Courses conducted by Colleges/Universities approved by UGC/Government/AICTE anywhere in India Courses conducted by premier institution in Assam and anywhere in India.
Who can avail this loan?
The educational loan will be provided to parents i,e State Government employees and students jointly