The “Foreign Education Scheme” introduced by the Social Justice and Empowerment Department, Gujarat, is designed to support meritorious students from economically weaker sections who wish to pursue higher education abroad. The scheme is being implemented by the Gujarat Unreserved Education and Economical Development Corporation.

Benefits

• Financial Assistance: A loan of the total tuition fee or ₹15,00,000/-, whichever is less, at 4% simple interest.
• Collateral: For loans up to ₹7,50,000, a charge of 1.5x the amount on property is required. Above ₹7,50,000, property equal to the loan amount must be mortgaged.
• Loan Repayment: Repayment starts 1 year after study completion. For loans up to ₹5 lakh, repayment is over 5 years. For loans above ₹5 lakh, repayment is over 6 years.

Eligibility

• Must belong to an unreserved category.
• Must have scored 60% or more in Standard 12.
• Must have secured admission to an MBBS, graduation, post-graduation, or equivalent diploma course abroad.
• Family’s annual income must be ₹6,00,000/- or less.

Application Process

Link: https://esamajkalyan.gujarat.gov.in/

• Step 1: Register as a new user on the e-Samaj Kalyan portal.
• Step 2: Login and navigate to “Foreign Education Scheme”.
• Step 3: Enter address and academic details.
• Step 4: Upload required documents and submit.
• Step 5: Note application number and print the form.

Documents Required

• School Leaving Certificate / Jam Certificate
• Aadhaar Card, Ration Card, and Residence Certificate
• Non-Reserved Category Certificate
• Annual Income Certificate and IT Return
• Admission Letter from the foreign university
• Annual/Full Course Fee Payment Receipt
• Property documents (Valuation, Appendix-1, Mortgage)
• Student’s Surety Bond (Appendix-2)
• Passport and Air Ticket copies
• Mark Sheets and Degree Certificates

Foreign Study Loan