Financial Loan for Training of Commercial Pilot
This Gujarat government scheme helps students from Socially and Educationally Backward Classes (SEBC) afford Commercial Pilot License (CPL) training through a concessional loan of up to ₹25 lakh at just 4% annual interest — far below market rates. The entire loan process is online through the e-Samaj Kalyan Portal at esamajkalyan.gujarat.gov.in, but two physical copies of the form must also be submitted to the District Office.
About This Scheme
This Gujarat government scheme helps students from Socially and Educationally Backward Classes (SEBC) afford Commercial Pilot License (CPL) training through a concessional loan of up to ₹25 lakh at just 4% annual interest — far below market rates. The entire loan process is online through the e-Samaj Kalyan Portal at esamajkalyan.gujarat.gov.in, but two physical copies of the form must also be submitted to the District Office.
Full official description
The "Financial Loan for Training of Commercial Pilot" scheme was launched by the Social Justice and Empowerment Department, Government of Gujarat. The scheme aims to support students from Socially and Educationally Backward Classes (SEBC) in obtaining Commercial Pilot License (CPL) training through financial assistance. Under this scheme, a loan is offered at a concessional interest rate to eligible students who meet the educational and institutional requirements for CPL training.
Benefits
- Loan of up to ₹25,00,000 (₹25 lakh) for Commercial Pilot License training
- Interest rate: 4% simple interest per annum (well below commercial lending rates)
- Penal interest: 2.5% additional — only charged on late or defaulted payments
- Repayment period: up to 12 years total (10 years for principal + 2 years for interest)
- Repayment starts one year after disbursement (grace period included)
Who Can Apply (Eligibility)
- Must belong to a Socially and Educationally Backward Class (SEBC) recognized in Gujarat
- Must have passed Matriculation, Higher Secondary, or an equivalent examination
- Must meet all academic and technical requirements set by the CPL training institution
- Must provide one financially solvent guarantor
- The applicant or their guardian must own property that can be mortgaged to the government as loan security
How to Apply
Application Process:
Step 01: The eligible applicant may visit the e-Samaj Kalyan Portal: https://esamajkalyan.gujarat.gov.in/ Step 02: On the home page, under the tab ‘Citizen Login’, click on New User ‘Please Register Here’. Step 03: Enter your Full Name as per Aadhaar Card, Gender, Date of Birth, Aadhaar Card Number, Email ID, Caste etc. and then click on ‘Register’. Step 04: After successful registration, the applicants can login through their User ID and Password. Step 05: Now, click on ‘User Profile’ to update your profile. Step 06: Fill in all the mandatory information and then click on ‘Update’. Step 07: After updating the profile successfully, select the scheme appearing on the home page; an application form will open. Step 08: Fill in all the mandatory details in the application form and upload all the relevant documents. Step 09: Now agree with the terms & conditions and click on ‘Save Application’. Step 10: Submit the application form and take out the print of the application for future reference. The applicant can note down the application number to track the application status by logging into the portal using their User ID and Password. User Manual NOTE: Submit two physical copies of the form with documents to the concerned District Office.
Post-Application Process:
Step 01: The District Office verifies the application and forwards it to the Director, Office of Welfare of Developing Castes.
Step 02: Incomplete applications are returned to the student for corrections.
Step 03: Once approved, the guardian must mortgage their property with a registered deed in favor of the government.
Step 04: After submitting the original registered mortgage deed, the loan amount is disbursed to the student’s bank account.
Frequently Asked Questions
What is the maximum loan amount I can get under this scheme?
The applicant can get a loan of up to ₹25,00,000/- at a concessional interest rate is 4% per annum.
Is there any penalty for late repayment?
Yes, a penal interest of 2.5% is charged on defaults.
What is the duration for loan repayment?
Principal must be repaid within 10 years and interest within 2 years.
Who is eligible to apply for this scheme?
Students from Socially and Educationally Backward Classes with required educational qualifications.
Is there any income limit to apply?
No, there is no income limit.
Can the loan be used for pilot training abroad?
Yes, if you have valid admission and documents for overseas training.
What documents are needed for applying?
Caste certificate, education certificates, income proof, property documents, and admission letter, among others.
Do I need a guarantor?
Yes, one solvent guarantor is mandatory.
Is mortgage of property necessary?
Yes, either the guardian's or the guarantor's property must be mortgaged.
How do I apply for the scheme?
Apply online at https://esamajkalyan.gujarat.gov.in, upload documents, and submit the form.
Can I apply offline?
No, only online applications are accepted.
What if my application is incomplete?
It will be returned to you for necessary corrections.
Who verifies and approves the loan?
The District Office and the Director, Office of Welfare of Developing Castes.
How will the loan amount be disbursed?
After mortgage registration, the amount is transferred directly to the student’s bank account.
Ready to apply?
Visit the official government portal to apply for this scheme.
Apply on myScheme.gov.inDocuments Required
- Caste Certificate
- School Leaving Certificate
- Family Income Certificate, IT Return, Form-16
- Copies of educational qualification certificates (from Class 10 to the last examination)
- Admission Consent Letter
- Estimate of Training Expenses
- If training is abroad, a copy of the trainee's passport, a copy of the visa for that country, and a copy of the air ticket
- Property documents and valuation report of the trainee's father/guardian
- Guarantor: One solvent guarantor must be provided.