Loans to Tribal Students for Higher Studies Abroad
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
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
Registration Process
- Visit the Gujarat Tribal Development Corporation official website. - Click on the "APPLY FOR LOAN".- Select the scheme name "Foreign Study".
- Fill the registration form: Full Name (as per Aadhaar Card), Gender, Date of Birth, Aadhaar Number, Mobile Number, Uder name, Password for login, Confirm Password.
- Click on the "Sign Up.
- After successful registration, User ID and Password will be generated.
Login and Application Process
Enter User ID, Password, and Captcha Code.
After login, schemes applicable to your caste will be displayed.
Click on the scheme you want to apply for.
Fill the "Application Form" and upload the required documents
Click Save Application. The system will generate an Application Number.
Click Print Application.
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
- Post Graduate Marksheet
- Receipt of Fee Paid
- Self-attested copy of Passport
- Aadhaar Card
- Bank Passbook/Cancelled Cheque
- Caste Certificate
- Graduate Marksheet
- Marksheet
- Passport-size Photos
- Ration Card
- School Leaving