When students from Gujarat dream of studying abroad, access to concessional funding becomes a significant enabler of their aspirations. According to a survey, around 8% of Indian students abroad in 2022 came from Gujarat. The E Samaj Kalyan loan scheme is one such targeted initiative that helps eligible students from disadvantaged backgrounds in Gujarat access global education with a lower financial burden.
In this blog, we’ll cover what the loan offers (amounts, interest rate, features), and how to apply with ease.
By the end of this blog, you will know
What the E Samaj Kalyan Abroad Education Loan scheme is and who can apply for it
The loan amount available (up to ₹15 lakh) and the fixed 4% simple interest rate
Repayment tenure details, including the 10-year duration and moratorium period
The expenses covered such as tuition fees, travel, books, and living costs abroad
How to apply online through the official E Samaj Kalyan portal
E Samaj Kalyan Abroad Education Loan – Features, Amount, and Coverage
The E Samaj Kalyan Abroad Education Loan is part of the Gujarat Government’s effort to promote equitable access to higher education. It offers financial aid to students from underprivileged backgrounds who wish to pursue international degrees.
Loan Amount
Students can avail up to ₹15 lakh under this scheme, depending on the total cost of their course and supporting documents. The loan amount covers:
Tuition fees charged by the foreign university
Living expenses such as rent and meals
Travel expenses, including flight tickets and visa charges
Books and study materials
Insurance and other miscellaneous educational costs
Interest Rate
The loan carries a simple interest rate of 4% per annum, making it one of the lowest-interest education loans in India for overseas studies. This ensures affordability even for families with limited financial resources.
Collateral Requirement
Borrowers must provide a property guarantee, usually a residential property owned by a parent or guardian, as security for the sanctioned loan amount.
Our guide on Who Can Be a Co-Applicant for an Education Loan explains eligibility criteria and required documents in detail.
Moratorium & Repayment
Repayment starts after course completion, with a 6-month moratorium period to help students secure employment. The total repayment tenure can extend up to 10 years, offering long-term flexibility.
This balance of low interest, structured security, and extended repayment makes the E Samaj Kalyan scheme ideal for students pursuing postgraduate or technical degrees abroad.
Eligibility plays a key role in determining whether an applicant qualifies for the E Samaj Kalyan Abroad Education Loan. The scheme is designed to assist those who need financial aid the most.
Eligibility Criteria
To apply for the E Samaj Kalyan Abroad Education Loan, students must meet the eligibility criteria set by the Gujarat Government. These conditions ensure that financial assistance reaches deserving and eligible candidates.
The applicant must:
Be a permanent resident of the state of Gujarat.
Belong to SC, ST, SEBC, or EWS categories.
Have secured at least 60% marks in Class 12 or equivalent (50% for EBC category students).
Have secured admission to a recognised foreign university through a merit-based selection process.
Family Income Criteria:
SEBC: Annual family income must not exceed ₹10 lakh.
EBC: Annual family income must not exceed ₹4.5 lakh.
Additional Conditions:
Only two members from the same family can apply under this scheme.
All income and category certificates must be valid and government-issued.
This structured eligibility framework ensures that the scheme benefits genuinely deserving students while maintaining long-term financial sustainability.
E Samaj Kalyan Loan Interest Rate and Repayment Terms
The E Samaj Kalyan loan interest rate is designed to reduce the long-term debt burden on students and their families.
This approach provides students with ample time to stabilise their financial situation post-graduation before beginning loan repayments, promoting responsible borrowing.
Key Highlights
Interest Rate: Fixed at 4% per annum (simple interest).
Interest Type: Simple interest ensures that interest does not compound during the study period.
Repayment Tenure: Maximum of 10 years from the end of the moratorium period.
Moratorium Period: Course duration + 6 months after course completion.
Prepayment: Students may prepay without penalty, reducing total interest outflow.
Penalty for Default: Late or missed payments may incur nominal penalties or negatively impact future creditworthiness.
Students need to prepare a comprehensive set of documents to complete their application successfully. Missing or incorrect information can lead to delays.
Applicants for the E Samaj Kalyan Abroad Education Loan must submit a complete set of documents to verify identity, academic eligibility, and financial background.
Personal Documents
Aadhaar card and PAN card
Gujarat domicile certificate
Caste certificate (SC/ST/SEBC/EWS)
Income certificate issued by a competent authority
Recent passport-size photographs
Academic Documents
Mark sheets of Class 10, 12, and undergraduate degree
Admission offer letter from a recognised foreign institution
Proof of residence (utility bills, rental agreement, etc.)
Ensuring that all documents are accurate and up to date significantly improves the chances of faster loan approval and sanction.
How to Apply for E Samaj Kalyan Abroad Education Loan
The Gujarat Government has digitised the entire process to make it simple and more transparent.
Step-by-Step Process
Visit the Official Portal
Visit the official E-Samaj Kalyan Gujarat portal to begin your application for the abroad education loan.
Register as a New User
Click on “New User? Register Here” and enter details such as your name, caste category, and mobile number to create an account.
Select the Loan Scheme
After logging in, choose the “Loan for Study Abroad” option from the list of available schemes.
Complete the Application Form
Fill in required details such as the foreign university name, course duration, total course fees, and family income.
Upload Required Documents
Upload scanned copies of all mandatory documents in the prescribed format for verification.
Submit & Track Application
Submit the application and note the reference number to track your application status anytime from the dashboard.
Verification & Loan Sanction
The District Welfare Office verifies the submitted details. Once approved, the loan sanction letter is issued and funds are disbursed as per the course schedule.
Students can apply before going abroad or within six months after beginning their course.
SEBC Education Loan Gujarat Repayment Details, and Moratorium Benefits
The repayment structure of the E Samaj Kalyan loan is designed to provide students with financial breathing space.
Repayment Start Date: 6 months after course completion or upon employment.
Repayment Duration: Up to 10 years, allowing for manageable monthly instalments.
Interest Type: Simple interest during the moratorium to reduce the total payable amount.
Prepayment: Students can repay early without any penalty charges.
EMI Options: Repayment can be done in monthly or quarterly instalments.
This system enables graduates to focus on career development before managing full repayments, thereby minimising financial stress.
Why Choose E Samaj Kalyan Abroad Education Loan
The E Samaj Kalyan scheme stands out due to its student-friendly features and government-backed security.
Key Advantages of the Scheme
A government-backed initiative that ensures complete transparency and reliability.
Offers a low and fixed interest rate of just 4%, making repayment affordable.
Simple online application process with real-time tracking through the official portal.
Long repayment tenure with a flexible moratorium period for financial ease.
Covers multiple expenses including tuition fees, accommodation, travel, and other study-related costs.
For students from marginalised communities, this scheme represents not just financial assistance but an opportunity for global education and upward mobility.
The E Samaj Kalyan Abroad Education Loan is one of the most impactful education financing schemes for students from Gujarat with SC, ST, SEBC, and EWS backgrounds. With up to ₹15 lakh in funding, a 4% interest rate, and a generous repayment window, it transforms overseas education into a realistic goal.
However, if you want faster approvals, higher loan amounts, or additional flexibility, Propelld can help. Propelld enables students to:
Compare multiple lenders side by side
Check eligibility instantly
Receive sanction letters within 72 hours
Access personalized guidance on documentation and disbursement
Apply with Propelld today to fast-track your education loan approval and make your study abroad dream a reality.
How is the E Samaj Kalyan Abroad Education Loan different from a regular bank education loan?
Unlike commercial bank loans, the E Samaj Kalyan loan is government-subsidised, with a fixed 4% simple interest rate and no compounding during the study period. It is specifically designed for SC, ST, SEBC, and EWS students from Gujarat, making it more affordable and accessible.
How long does it take to get loan approval through the E Samaj Kalyan portal?
Loan approval typically takes 4–6 weeks from the date of submission. The timeline depends on document accuracy and district office verification. Applications with complete and verified documents are processed faster.
Can I apply for the E Samaj Kalyan loan if I’ve already started my course abroad?
Yes. Students can apply within six months of starting their course, provided they meet eligibility requirements and submit proof of ongoing enrollment.
Does the E Samaj Kalyan loan cover living and travel expenses abroad?
Yes. The loan covers tuition fees, accommodation, books, travel expenses (including visa and airfare), and insurance, ensuring comprehensive financial support for studying abroad.
What happens if my guardian doesn’t own property for collateral?
While collateral is usually required, some district welfare offices may accept alternative security such as a third-party guarantor or co-applicant’s property. It’s recommended to confirm options with the district welfare office before applying.
How is the repayment structured, and can it be extended if I face employment delays?
Repayment begins six months after course completion or once the student secures employment, whichever is earlier. The maximum repayment tenure is 10 years. In exceptional cases such as unemployment or medical issues, students may request a short extension through their district office.
Can I apply for both E Samaj Kalyan and a private education loan?
Yes. Students often combine the E Samaj Kalyan loan with private or bank education loans if their total expenses exceed ₹15 lakh. However, the combined loan amount must not exceed actual education costs.
What are the most common reasons for loan rejection or delay?
Common reasons include:
Missing or incorrect income or caste certificates
Incomplete property ownership documents
Admission to an unrecognised foreign university
Exceeding the family income limit
Late submission beyond the application window
Ensuring document accuracy and eligibility verification helps avoid delays or rejection.
Is there any benefit or subsidy for female or differently-abled students?
Yes. Some district welfare offices provide priority processing or additional relaxations for female students, differently-abled candidates, and first-generation learners. Details can be confirmed during application submission.
How can Propelld support me if I need faster approval or a higher loan amount?
Propelld helps students compare multiple lenders, check eligibility instantly, and receive sanction letters within 72 hours. It also offers co-signer–free and higher-value education loan options to supplement government schemes.
A banker turned content marketer with expertise in growth-focused content strategies for the finance and digital sectors. She currently drives data-backed content initiatives at Propelld, through high-impact storytelling.
Before moving into content marketing, Vaishali spent nearly a decade in banking, across their asset and lending divisions and spent almost a decade in finance. An MBA in Marketing and a writer at heart, she finally took up content marketing and now simplifies money talks for the readers.
She is also a certified digital marketer (MICA), combining data-driven insights with creative storytelling to deliver measurable business growth.
Beyond work, Vaishali is a handcrafted brand founder, avid reader, and travel & food blogger, blending creativity and strategy in everything she does.
A seasoned Chartered Accountant, Shailesh Jain is a finance and compliance leader specializing in corporate finance, financial operations, and fintech-driven lending models. At Propelld, he scales education loan offerings by shaping financial strategies, optimizing operations, and ensuring regulatory excellence, driving sustainable growth in the edtech and fintech space.
An expert in Fintech & Edtech innovation, Shailesh leverages financial insights to transform education lending, combining analytical rigor with strategic foresight. Previously, he led the finance team at Khatabook, building a new lending venture, and has worked with PwC, ICICI Bank, and Mulberry Silks, gaining strong expertise in audit, risk mitigation, and strategic decision-making.
Passionate about financial innovation, he continues to advance education financing in India, creating efficient, scalable, and compliant lending ecosystems.
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