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E-Samaj Kalyan Education Loan: Features, Eligibility & Interest Rates 

Samaj kalyan education loan

The Gujarat Social Justice and Empowerment Department has initiated the Samaj Kalyan Gujarat Yojana. As part of the SJED Digital Gujarat initiative, the e-Samaj Kalyan Gujarat Digital Yojana has been introduced for individuals belonging to the Scheduled Caste (SC) and Economically Backward Classes (EBC). This scheme offers educational loans for overseas studies, aimed at supporting students from Scheduled Caste communities who face financial challenges in pursuing their education. The Samaj Kalyan Education Loan covers tuition fees, textbooks, and other educational expenses associated with studying abroad. 

E-Samaj Kalyan Government Education Loan Overview 

The Gujarat Samaj Kalyan student education loan scheme offers education loans for students to pursue overseas studies at highly affordable interest rates and with an extended repayment period. This initiative aims to motivate and empower students from underprivileged sections of society, providing them with an opportunity to work diligently towards securing their future through higher education abroad. Let’s explore some of the key features of the loan to study abroad:

Samaj Kalyan Education Loan Overview
Loan amountUp to INR 15 Lakh
Samaj Kalyan Education LoanInterest rate4%
Income limitNo income limit
Moratorium periodCourse duration + 6 months
Repayment tenure10 years
CollateralAfter the loan is sanctioned, the student’s guardian has to pledge their property as collateral. 

E-Samaj Kalyan Education Loan Eligibility Criteria

The education loan for foreign studies under the E-Samaj Kalyan scheme is specially designed to benefit students hailing from marginalised communities with lower interest rates in education loans. To qualify for the advantages offered by this scheme, prospective beneficiaries must meet the following eligibility requirements:

  • Applicants must belong to the Scheduled Caste (SC), Scheduled Tribe (ST), or Economically Backward Classes (EBC) communities.
  • Applicants must be permanent residents of the state of Gujarat.
  • Students must have secured a minimum of 60% marks or equivalent in their Class 12 examinations.
  • Eligible courses include postgraduate programmes, doctoral studies, computer courses, and technical or professional courses pursued after completing Class 12.
  • Students must have gained admission to a recognised university abroad based on merit.
  • A maximum of two applicants from the same family can apply for this scheme.
  • Students can apply for the loan either before their departure for overseas studies or within six months of commencing their studies abroad.

By meeting these criteria, students from underprivileged backgrounds can access the benefits of the Samaj Kalyan education loan, enabling them to pursue higher education opportunities.

E-Samaj Kalyan Education Loan Documents

To apply for the Samaj Kalyan OBC education loan, you should gather a list of documents to register on their platform. These documents slightly differ from the education loans offered by most of the financial institutions in India. 

Domicile certificateProof of being a resident of Gujarat
Income certificateA certificate stating the family’s annual income
Aadhaar cardUnique identification document issued by the Government of India
Voter ID cardVoter identification card
Past academic recorda. 10th standard mark sheet 
b. 12th standard mark sheet 
c. Under-graduate result (semester-wise)
Caste CertificateA certificate confirming the applicant’s caste
Physically handicapped certificate (If any)A certificate confirming the applicant’s physical disability (if applicable)
Bank detailsDetails of the applicant’s bank account
Bank passbookApplicant’s bank passbook
BPL certificateA certificate confirming the applicant’s Below Poverty Line (BPL) status
College ID proofProof of admission to a recognised university abroad
Recent passport-size photographA recent passport-size photograph of the applicant
Residential certificateA certificate confirming the applicant’s residential address
SC caste certificateA Certificate confirming the applicant’s Scheduled Caste status

E-Samaj Kalyan Education Loan Application Process 

The application process for the E-Samaj Kalyan SC/ST Education Loan is entirely online. You can submit your application through the official website of the e-Samaj Kalyan scheme. Follow these steps to initiate the application process:

  • Step 1: Access the official website of the Gujarat E-Samaj Kalyan Yojana.

  • Step 2: On the right-hand side of the webpage, you will find the option ‘New user? Please Register Here’.

  • Step 3: Click on this link, and on the subsequent screen, enter your details, including your name, date of birth, Unique Identification (UID) number, caste, and mobile number.

  • Step 4: 4 Carefully review the information you have provided and click on ‘Register’ to proceed.

  • Step 5: Upon successful registration, locate and select the foreign education loan scheme from the available options.

  • Step 6: Complete the application process by providing the necessary details and submitting the required documents.

By following these straightforward steps, you can seamlessly initiate your application for the Samaj Kalyan financial assistance for education.

E-Samaj Kalyan Education Loan Repayment 

The Loan offers a helping hand to students from underprivileged backgrounds pursuing higher education. Knowing how and when to repay your education loan is crucial for managing your finances effectively. Here’s a breakdown of the key aspects:

Repayment Period:  You get a generous 10 years to repay the loan amount in full. This extended period allows you to focus on establishing your career and income before tackling larger repayments.

Moratorium Period: This is a grace period where you are not required to make monthly payments (EMIs). The period of moratorium in education loan covers the duration of your course and provides an additional 6 months after graduation. This buffer allows you time to find employment and get your finances settled before regular repayments begin. 

It’s a wrap! E-Samaj Kalyan education loan is truly a boon for students needing a helping hand for abroad studies. For additional help, you can apply for minority scholarships for abroad studies. These scholarships are available in the majority of the universities and can be applied as an additional help to finance your abroad education. Wondering how you can take your education loans from? Well, UniCreds can help you with it. Visit to know more! 


Q1. What is the E-Samaj Kalyan portal? 

The E-Samaj Kalyan portal is a digital platform in India aimed at facilitating social welfare services and schemes for various communities, particularly Scheduled Castes (SC) and Scheduled Tribes (ST).

Q2. What is the interest rate of Samaj Kalyan education loan?

The interest rate for education loans provided through the Samaj Kalyan portal IS 4%

Q3. What is the maximum amount of loan by Samaj Kalyan education loan for studying abroad?

The maximum loan amount taken from Samaj Kalyan scheme can be up to Rs. 15 lakhs, 

Q4. What is the E-Samaj Kalyan helpline number?

(1800 120 8040) is the E-Samaj Kalyan helpline number. 

Q5. What is the repayment period for this loan?

The repayment period of the E-Samaj Kalyan loan is 10 years. 

Q6. Is there an application deadline for this loan? 

No, there is no application deadline for the E-Samaj Kalyan Education Loan.

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Samaj kalyan education loan

E-Samaj Kalyan Education Loan: Features, Eligibility & Interest Rates 

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