Loans to Tribal Students for Higher Studies Abroad
₹15 lakh study loan at 4%, zero own contribution · tribal students abroad Gujarat
This scheme supports Scheduled Tribe (ST) students from Gujarat who want to study at recognized foreign universities by providing concessional education loans. Eligible students can borrow up to ₹15 lakh at just 4% annual interest — significantly lower than commercial rates. Apply online through the Gujarat Tribal Development Corporation at adijatinigam.gujarat.gov.in.
About This Scheme
This scheme supports Scheduled Tribe (ST) students from Gujarat who want to study at recognized foreign universities by providing concessional education loans. Eligible students can borrow up to ₹15 lakh at just 4% annual interest — significantly lower than commercial rates. Apply online through the Gujarat Tribal Development Corporation at adijatinigam.gujarat.gov.in.
Full official description
The "Loans to Tribal Students for Higher Studies Abroad" scheme was launched by the Tribal Development Department, Government of Gujarat. The scheme aims to provide financial assistance to tribal students who wish to pursue higher education in foreign universities. Through this scheme, eligible Scheduled Tribe (ST) students can avail a loan at a concessional interest rate of 4% per annum.
Benefits
- Loan of up to ₹15,00,000 (or actual cost of study abroad, whichever is lower)
- Interest rate of 4% per annum
- No contribution required from the student/family
- Repay in 60 monthly installments starting 6 months after completing studies
- Early repayment is permitted
💡 Why Startups Should Care
Zero personal contribution required means tribal students can pursue international education purely on this loan — a significant equity measure ensuring financial background doesn't block access to global academic opportunities.
Who Can Apply (Eligibility)
- Must be a resident of Gujarat
- Must belong to the Scheduled Tribe (ST) category
- Must have scored special merit in Class 10, 12, or equivalent examination
- Must have passed the Higher Secondary Certificate (HSC) or equivalent
- Must have secured admission to a recognized foreign university
How to Apply
- Visit the Gujarat Tribal Development Corporation official website (adijatinigam.gujarat.gov.in).
- Register with your personal and academic details.
- Upload caste certificate, birth certificate, professional course certificate, and marksheets.
- Submit fee receipt and admission proof from the foreign institution.
- Submit the application and track status.
Frequently Asked Questions
Who is eligible for this scheme?
Only Scheduled Tribe (ST) students from Gujarat who have secured admission to a foreign university.
What is the maximum loan amount available?
₹15,00,000 or the actual cost of education abroad, whichever is lower.
Is there any income limit for applying?
No, there is no income limit.
Is there any penalty for late repayment?
Yes, 2.5% penalty interest is charged on delayed repayments.
Is the applicant required to contribute financially?
No, there is no beneficiary contribution required.
Where can applications be submitted?
On the Gujarat Tribal Development Corporation’s online portal.
Can students from non-tribal categories apply?
No, only Scheduled Tribe (ST) students are eligible.
Does the scheme cover all courses abroad?
Yes, it covers higher education courses at recognized foreign universities.
Can the applicant repay the loan earlier?
Yes, early repayment is allowed.
What documents are mandatory for application?
Aadhaar, Caste Certificate, Admission Proof, Fee Receipt, Passport, Educational Certificates, among others.
Ready to apply?
Visit the official government portal to apply for this scheme.
Apply on myScheme.gov.inDocuments Required
- /12 certificate
- Affidavit
- Birth certificate
- Certificate of professional course
- Identity card
- Marksheet of 12th class
- Postgraduate marksheet
- Receipt of fee paid