Interest Help Scheme For Graduate Doctor-Lawyer-Technical Graduate
A Gujarat government scheme for non-reserved (general) category professionals — doctors, lawyers, and technical graduates — who want to set up their own practice or office. It provides a 5% interest subsidy on bank loans up to ₹10 lakh, making it cheaper to borrow for a clinic, lab, radiology unit, or law office. Apply online at esamajkalyan.gujarat.gov.in under the Gujarat Unreserved Education and Economical Development Corporation section.
About This Scheme
A Gujarat government scheme for non-reserved (general) category professionals — doctors, lawyers, and technical graduates — who want to set up their own practice or office. It provides a 5% interest subsidy on bank loans up to ₹10 lakh, making it cheaper to borrow for a clinic, lab, radiology unit, or law office. Apply online at esamajkalyan.gujarat.gov.in under the Gujarat Unreserved Education and Economical Development Corporation section.
Full official description
The scheme "Interest Help Scheme for Graduate Doctor-Lawyer-Technical Graduate" introduced by the Social Justice and Empowerment Department, Gujarat, provides financial assistance in the form of interest subsidy on loans for self-employment. Beneficiaries from the unreserved category who are doctors, lawyers, technical graduates, and want to open their own clinic, laboratory, radiology clinic or office will be eligible for interest subsidy on loans taken from the bank. The scheme is being implemented by the Gujarat Unreserved Education and Economical Development Corporation.
Benefits
- 5% interest subsidy on bank loans up to ₹10,00,000 for setting up a professional practice
- Reduces the effective cost of borrowing for self-employed professionals starting a new practice
Who Can Apply (Eligibility)
- Must be a resident of Gujarat
- Must belong to the non-reserved (general/open) category
- Age must be between 18 and 50 years
- Must be a doctor, lawyer, or technical graduate planning to open their own clinic, laboratory, radiology unit, or office
- Must have taken a bank loan for the business
- Annual family income must be ₹6,00,000 or less
- Business must have the required registrations as per applicable rules
How to Apply
Registration Process:
Step 1: Go to the Corporation's official website and navigate to the "Gujarat Unreserved Education and Economical Development Corporation" section under the Corporation menu.
**Step 2:**Click on "Interest Help Scheme For Graduate Doctor-Lawyer-Technical Graduate" and then Apply Now.
Step 3: Click on "New User? Please Register Here".
Step 4: Enter the required details and click Register.
Application Process:
Step 1: Enter your User ID, Password, and Captcha Code, then click "Login".
Step 2: Read the scheme details carefully and click OK.
Step 3: If your permanent address is correct, confirm it. Otherwise, enter your correct address.
Step 4: Click Save & Next to proceed. Upload the relevant documents.
Step 5: If you need to make changes, click "No, Cancel". If all details are correct, click "Yes, Submit".
Step 6: Click Save Application. Note down your Application Number for future reference. You can also take a printout by clicking Print Application.
Check Application Status: Click here.
Post Online Application Procedure: After submitting the online application, the applicant must take a printout of the application, sign it, and submit it along with all uploaded documents (certificates, mark sheets, etc.) to the concerned Deputy Director (Non-Reserved Category) or the District Social Welfare Officer through courier, post, or by visiting in person.
Contact Us: Click here.
Frequently Asked Questions
What are the norms of interest subsidy for graduate medical, lawyer, technical graduate?
The interest subsidy is provided to the beneficiary to help them open their own clinic, laboratory, radiology clinic, or office.
How much assistance is available?
The assistance available is up to [?]10 lakh or the loan amount, whichever is lower.
Is this assistance available from the corporation or from the bank?
The assistance is available from the bank.
At what interest is it available?
The interest subsidy is available at the rate of 5 percent.
What are the eligibility norms?
The applicant must fulfill the following eligibility norms:
The business must be registered as per the required rules. The applicant must belong to the non-reserved category. The applicant must have taken a loan from a bank, and it must be approved.
What should be the age limit of the beneficiary?
The age of the beneficiary should be between 18 and 50 years.
What should be the annual income of the family?
The annual family income should be [?]4,50,000/- or less.
What steps should be followed after submitting the online application for this scheme?
After the online application, the application should be printed out, signed and uploaded along with all the documents (certificates, mark sheets, etc.) attested by the District Manager of the district in which the student is studying. All applications for loan assistance should be submitted by courier/post/face to the District Manager of the district in which the student is studying.
What happens if the hard copy of the application is not received after the online application is submitted?
If the hard copy of the application is not submitted, the application will not be accepted.
Ready to apply?
Visit the official government portal to apply for this scheme.
Apply on myScheme.gov.inDocuments Required
- Aadhaar Card (Proof of identity and residence).
- Educational qualification certificates (MBBS, LLB, or Technical Degree).
- Proof of business registration (as per rules).
- Bank loan sanction letter and loan account details.
- Income certificate (showing annual family income ≤ ₹6 lakh).
- Age proof (Birth certificate, Aadhaar, or any valid ID).
- Category certificate (for non-reserved category proof).
- Address proof (Voter ID, Aadhaar, or utility bill).
- Any other documents if required.