केंद्र सरकार · Ministry Of Social Justice and Empowerment
Credit Based Schemes For SC - Education Loan Scheme
मुख्य लाभ
For abroad students
क्या यह योजना आपको मिलेगी?
शर्तें एक नज़र में
- श्रेणी: अनुसूचित जाति (SC)
- काम: छात्र / छात्रा
योजना की जानकारी सरकारी वेबसाइट की तरह अंग्रेज़ी में है। हिंदी में सुनने के लिए “आसान हिंदी में समझाएँ” दबाएँ।
योजना के बारे में
Education loan scheme by the Ministry of Social justice and Empowerment for Scheduled Caste students pursuing full-time Professional/Technical courses in India or abroad. This scheme is for providing financial assistance in pursuing full-time Professional/Technical courses.
For students within India
Loan Amount
Upto 90% of the Course Fee or Rs.10.00 Lakhs, whichever is less
Interest Rate per annum chargeable toSCAs - 1.5%Student- 4% (0.5% rebate for women beneficiaries)For abroad students
Loan Amount
Upto 90% of the Course Fee or Rs.20.00 Lakhs, Whichever is less.
Interest Rate per annum chargeable toSCAs - 1.5%Student- 4% (0.5% rebate for women beneficiaries)
लाभ
- For abroad students
- Financial Assistance Upto 90% of the Course Fee or Rs.10.00 Lakhs, Whichever is less with interest rate of 4% (3.5% for women beneficiaries).
- For students within India
- Financial Assistance Upto 90% of the Course Fee or Rs.20.00 Lakhs, Whichever is less with interest rate of 4% (3.5% for women beneficiaries).
- Repayment period Up to 10 years (for loans up to Rs.7.50 lakh) & Up to 15 years (for loans above Rs7.50 lakh)Moratorium Period6 months after course completion or getting employment, whichever is earlier
कौन आवेदन कर सकता है
- The scheme is for students of the Scheduled Caste Category.
ज़रूरी कागज़ात
जो कागज़ आपके पास हैं, उन पर टिक करें। हम याद रखेंगे।
5 में से 0 तैयार
आवेदन कैसे करें
Offline
The interested eligible person shall contact the nearest Channeling Agency (https://nsfdc.nic.in/channel-patrners/ ) .
Indicative Format: :https://nsfdc.nic.in/Uploaded
Files/other/form/education-loan.pdf The Loan Applications Are To Be Submitted By The Eligible Target Group (Scheduled Castes Persons Having Annual Family Income Up To Rs. 3.00 Lakhs ) To The District Offices Of State Channelizing Agencies (SCAs).
The District Offices Of SCAs/CAs Forward These Applications, After Scrutiny, To Their Head Offices. The Viability Of The Project Proposals Are Appraised By The SCAs And The Viable Projects Are Forwarded To NSFDC Along With Their Recommendations For Sanction.
Eligible Target Group Can Also Submit Their Loan Application To Other Channelising Agencies Of NSFDC Such As Regional Rural Banks/ Public Sector Banks/ NBFC-MFIs Etc. With Whom NSFDC Has Signed Memorandum Of Agreements.
The Said Project Proposals Are Appraised By The Project And Banking Desk. The Appraisal Report Is Submitted To The Project Clearance Committee (PCC) For Their Concurrence.
The Proposals Which Are Found To Be In Order Are Recommended For Sanction. After Sanction, Sanction Letters Called As Letter Of Intents(LOIs), Along With Terms & Conditions Are Issued To The SCAs/ RRBs/ Public Sector Banks/ NBFC-MFIs Etc. For Acceptance.
After Acceptance Of The Terms And Conditions Of The Sanction And Fulfillment Of Prudential Norms, As Applicable, Funds Are Disbursed To The SCAs/ RRBs/ Nationalized Bank For Onward Disbursement To The Beneficiaries.
The Disbursement Of Funds Is Made By NSFDC On Receipt Of Demand From The SCAs/ RRBs/ Public Sector Banks/ NBFC MFIs. The Loans Are To Be Repaid By The Beneficiaries As Per The Repayment Schedule Stipulated By The SCAs/CAs
आम सवाल
What is moratorium period?
A moratorium period refers to a particular period of a loan tenure during which the borrower does not have repay anything.
It can be described as a waiting period before the borrower will have to start paying the equated monthly installments (EMIs) for his or her loan Does the scheme provide loans to all Scheduled Castes persons?
No, NSFDC provides loans only to economically poor sections of Scheduled Castes whose annual family income is up to Rs. 3.00 lakh both in rural & urban areas.
How does the scheme provide assistance?
The applicants should contact the Channelizing Agencies if they wish to avail ELS loan.
For which Educational courses, the Educational Loan is provided?
The Educational Loan is provided for the courses run by the recognized Educational Institutions. Presently, it is provided for pursuing following full time professional/technical courses:- 1. Full time Professional/Technical courses in the fields of Engineering, Medical, Dental, Management, Information Technology, Hotel Management, Architecture, Physiotherapy, Bio-Technology, Law, Education, Journalism etc. 2. Professional courses like CA/ICWA/CS/AMIE/FIA/IETE. 3. Higher education like Doctoral Studies leading to M.Phil/PhD from recognized institutions.
सरकारी लिंक
nsfdc.nic.in/channel-patrnersnsfdc.nic.in/UploadedFiles/other/form/education-loan.pdf