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Education & Learning

Dr. Baba Saheb Ambedkar Loan for Higher Study in Foreign Countries

Under this scheme, a loan of ₹15 lakhs is provided at an interest rate of 4% to offer financial assistance to bright career students of the Scheduled Castes who cannot go abroad for higher studies due to the their poor economic condition.

Authority

State/ UT

Region

Gujarat

Status

Verified 2026

Updated

March 2026

What you get

- Under this scheme, a loan of ₹15 lakhs is provided at an interest rate of 4% to the eligible students.

Who can apply

The applicant should be native of Gujarat state.; The applicant should belong to the Scheduled Caste Category of Gujarat State.; Loans for post graduate, Ph.D., higher level research and computer courses to those who have secured 50% or more marks in graduation.; Loans for technical and professional courses abroad after 12th Standard.; Loan can be given to maximum two persons of the same family.; There is no income limit.; The institution of the foreign country in which the student is studying must be recognized by that government and the degree obtained must be accepted in that country.; Approval will only be processed once the visa and air ticket have been issued.; Scheduled caste students of the state who are admitted to study abroad based on the syllabus of class-12 or above should have 50% or more marks. Also they offer Diploma, Graduate, Post Graduate, Post Graduate Diploma, Ph.D. Also eligible for loans for other courses of more than one year duration in all fields.

Required Paperwork

  • Aadhaar Card
  • PAN Card
  • Income Certificate
  • Residence Proof (Domicile)

Common Questions

What is the loan amount provided under this scheme and at what interest rate?

Eligible students can avail a loan of [?]15 lakhs at an interest rate of 4%.

What expenses does the loan cover?

The loan covers expenses such as tuition fees, books, hostel fees, living expenses, travel expenses, and pocket money for graduate and postgraduate courses.

Who is eligible to apply for this loan?

Applicants must be natives of Gujarat and belong to the Scheduled Caste category of the state.

Are there specific academic qualifications required for loan eligibility?

Yes, loans are available for postgraduate, Ph.D., higher-level research, and computer courses to those who have secured 50% or more marks in graduation.

Can loans be availed for technical and professional courses abroad after the 12th standard?

Yes, loans are available for technical and professional courses abroad after the 12th standard.

Is there a limit to the number of family members who can receive the loan?

Loans can be provided to a maximum of two persons from the same family.

Is there an income limit for loan eligibility?

No, there is no income limit for loan eligibility.

What are the requirements regarding the recognition of the foreign institution and degree obtained?

The institution and degree must be recognized by the government of the respective foreign country.

When does the loan approval process start?

Approval is processed once the visa and air ticket have been issued.

When does loan repayment start and what is the repayment period?

Loan repayment starts six months after the completion of the student's course and must be completed within 10 years.

How can eligible applicants apply for the loan?

Eligible applicants can apply through the e-Samaj Kalyan Portal: https://esamajkalyan.gujarat.gov.in/