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Comprehensive Educational Loan Scheme - Sikkim

The "Comprehensive Educational Loan Scheme" was launched by the Department of Personnel, and Reforms, Training, Public Grievances, Government of Sikkim. The scheme aims to provide loans free of interest for the duration of one particular course of study with one one-year moratorium period offered...

Ministry / Department
Department Of Personnel, Administrative Reforms, Training & Public Grievances
Level
State
Benefit type
other
Last verified: 18 Jun 2026

Comprehensive Educational Loan Scheme - Sikkim क्या है?

The "Comprehensive Educational Loan Scheme" was launched by the Department of Personnel, and Reforms, Training, Public Grievances, Government of Sikkim. The scheme aims to provide loans free of interest for the duration of one particular course of study with one one-year moratorium period offered...

लाभ
अधिकतम ऋण राशि ₹ 5,00,000-सिक्किम के भीतर पूर्णकालिक व्यावसायिक पाठ्यक्रमों के लिए-ऋण राशि ₹ 7,50,000-भारत में अध्ययन के लिए, और ₹ 15,00,000-विदेश में अध्ययन के लिए। * पढ़ाई बंद होने या ऋण लेने वाले की मृत्यु के मामले में, सह-आवेदक एक वर्ष से अधिक की अवधि के भीतर ऋण की पूरी राशि वापस करने के लिए उत्तरदायी होगा
स्तर
State — Sikkim
मंत्रालय / विभाग
Department Of Personnel, Administrative Reforms, Training & Public Grievances
लाभ का प्रकार
other
मुख्य पात्रता
The applicant should be a student.
अंतिम सत्यापन
18 Jun 2026

योजना का विवरण

व्यापक शैक्षिक ऋण योजना का शुभारंभ सिक्किम सरकार के कार्मिक और सुधार, प्रशिक्षण, लोक शिकायत विभाग द्वारा किया गया था। इस योजना का उद्देश्य सभी छात्र लाभार्थियों को एक वर्ष की मोहलत अवधि के साथ अध्ययन के एक विशेष पाठ्यक्रम की अवधि के लिए ब्याज मुक्त ऋण प्रदान करना है और गरीबी रेखा से नीचे के परिवार से संबंधित छात्र और भारत या विदेश में किसी मान्यता प्राप्त संस्थान में व्यावसायिक पाठ्यक्रमों का अध्ययन करने वाले छात्र पर विशेष ध्यान देना है।

लाभ

अधिकतम ऋण राशि ₹ 5,00,000-सिक्किम के भीतर पूर्णकालिक व्यावसायिक पाठ्यक्रमों के लिए-ऋण राशि ₹ 7,50,000-भारत में अध्ययन के लिए, और ₹ 15,00,000-विदेश में अध्ययन के लिए। * पढ़ाई बंद होने या ऋण लेने वाले की मृत्यु के मामले में, सह-आवेदक एक वर्ष से अधिक की अवधि के भीतर ऋण की पूरी राशि वापस करने के लिए उत्तरदायी होगा

पात्रता

  • आवेदक छात्र होना चाहिए। 1. आवेदक के परिवार की वार्षिक आय भारत के भीतर अध्ययन के लिए ₹ 2,50,000 और विदेश में अध्ययन के लिए ₹ 5,00,000 से अधिक नहीं होनी चाहिए। 1. जिस संस्थान में आवेदक अध्ययन करना चाहता है, चाहे वह भारत में हो या विदेश में, उसे भारत में संबंधित प्राधिकारी द्वारा मान्यता प्राप्त होनी चाहिए। 1. गरीबी रेखा से नीचे (बी. पी. एल.) परिवारों को छोड़कर, प्रति परिवार केवल एक सदस्य को लाभ के लिए माना जाएगा। 1. सिक्किम में अध्ययन के लिए केवल गरीबी रेखा से नीचे (बी. पी. एल.) परिवारों के सदस्यों पर विचार किया जाएगा। नोटः सरकारी/सार्वजनिक क्षेत्र के कर्मचारियों के बच्चे भी पात्र हैं।
क्षेत्र: Sikkimलाभ: other

आवश्यक दस्तावेज़

  • ✓ Income Certificate (certified by the District Collector).
  • ✓ Admission proof from a recognized institution.
  • ✓ Affidavit of not being employed.
  • ✓ Project viability and technical feasibility certification.

आवेदन कैसे करें

  1. चरण 1: Offline — Step 1

    The interested applicant should visit (during office hours) the Sikkim Industrial Development & Investment Corporation and request a hard copy of the prescribed format of the application form from the staff exclusively entrusted to issue and collect filled-in applications.

  2. चरण 2: Offline — Step 2

    In the application form, fill in all the mandatory fields, and attach copies of all the mandatory documents (self-attest, if required).

  3. चरण 3: Offline — Step 3

    Submit the duly filled and signed application form along with the documents to the Sikkim Industrial Development & Investment Corporation.

  4. चरण 4: Offline — Step 4

    Request a receipt or acknowledgment from the Sikkim Industrial Development & Investment Corporation to whom the application has been submitted. Ensure that the receipt contains essential details such as the date and time of submission, and a unique identification number (if applicable). <br>

FAQ

Who is eligible for the Comprehensive Educational Loan Scheme (CELS)?

Children of persons with a gross annual income not exceeding Rs. 2.50 lakhs for studies within India and Rs. 5.00 lakhs for studies abroad, as certified by the District Collector.

Is there a reserved quota for Below Poverty Line (BPL) families under CELS?

Yes, 50% of the total amount is reserved for BPL families. If there are not enough BPL candidates, the reserved amount will be available to other eligible candidates.

Can more than one member of a family apply for the loan?

No, only one member of a family is eligible, except for BPL families.

What happens if the loanee discontinues their studies?

The beneficiary or co-applicant must refund the entire loan amount within one year if the studies are discontinued.

How are applications for CELS processed?

Applications are processed by the Sikkim Industrial Development and Investment Corporation Ltd., which ensures that all eligibility criteria and necessary formalities are met.

How often are loans disbursed under CELS?

Loans are disbursed after final government approval based on the recommendation of a committee comprising the Secretary of the Human Resource Development Department, the Director of the Directorate of Capacity Building, and the Managing Director of the Sikkim Industrial Development & Investment Corporation.

How is the loan amount distributed among different categories?

The loan amount is disbursed in proportion to different categories of people in Sikkim as per the State Government HRDD Notification.

What criteria are used to select loanees?

Selection is based on merit, taking into account marks obtained in Board/University exams, and preference is given to those admitted to leading professional institutions like IIT, IIM, NIIT, and NIFT.

What kind of publicity is done for the CELS?

The Directorate of Capacity Building ensures wide publicity through Sikkim Herald regarding the scheme and submission deadlines, ensuring all eligible Sikkimese students are informed.

Is there any requirement for applicants to submit an affidavit?

Yes, applicants must submit an affidavit stating they are not employed with any agency, have no outstanding dues with any financial institution, and meet any other necessary requirements.

Sources & References

Ready to apply?

Applications are accepted only on the official government portal.

Open Official Website

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