education-learningGujarat
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Central Schemebanking-financial-services-and-insurance
Education Loan Scheme of NMDFC
Loan of upto Rs. 20 lacs for domestic courses & Rs. 30 lacs for courses abroad under Credit Line-1 and Credit line -2 is extended to beneficiaries belong to minority communities at 3% p.a. & 8% p.a respectively.
- Ministry / Department
- Ministry Of Minority Affairs
- Level
- Central
- Benefit type
- other
Last verified: 18 Jun 2026
Education Loan Scheme of NMDFC क्या है?
Loan of upto Rs. 20 lacs for domestic courses & Rs. 30 lacs for courses abroad under Credit Line-1 and Credit line -2 is extended to beneficiaries belong to minority communities at 3% p.a. & 8% p.a respectively.
- लाभ
- • अल्पसंख्यक समुदायों के बीच लाभार्थियों को रियायती ऋण
- स्तर
- Central
- मंत्रालय / विभाग
- Ministry Of Minority Affairs
- लाभ का प्रकार
- other
- मुख्य पात्रता
- a) The applicant must be Indian and belong to one of the six notified minority communities (Muslim, Christian, Sikh, Buddhist, Parsi, Jain).
- अंतिम सत्यापन
- 18 Jun 2026
योजना का विवरण
Under this scheme of NMDFC, loan is available for job oriented 'technical and professional courses' of durations not exceeding five years. Loan of upto ₹20,00,000/- for domestic courses & ₹30,00,000/- for courses abroad under Credit Line-1 and Credit line -2 is extended to beneficiaries belong to minority communities at 3% p.a. & 8% p.a respectively. Further, concession of 3% is extended to women beneficiaries under Credit Line-2.
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लाभ
अल्पसंख्यक समुदायों के बीच लाभार्थियों को रियायती ऋण
पात्रता
- क) आवेदक भारतीय होना चाहिए और छह अधिसूचित अल्पसंख्यक समुदायों (मुस्लिम, ईसाई, सिख, बौद्ध, पारसी, जैन) में से किसी एक से संबंधित होना चाहिए। क्रेडिट लाइन-1 के तहत प्रति वर्ष 3 लाख रुपये तक। क्रेडिट लाइन-2 के तहत प्रति वर्ष 8 लाख रुपये तक. ग) आवेदक को योग्यता-आधारित चयन या प्रवेश परीक्षा के माध्यम से भारत या विदेश में किसी मान्यता प्राप्त संस्थान में प्रवेश प्राप्त होना चाहिए. घ) पाठ्यक्रम तकनीकी या पेशेवर होना चाहिए, जिसकी अवधि 5 वर्ष से अधिक नहीं होनी चाहिए. ङ) आवेदक ने किसी अन्य सरकारी योजना के तहत उसी पाठ्यक्रम के लिए वित्तीय सहायता का लाभ नहीं उठाया होना चाहिए. च) शिक्षण शुल्क, छात्रावास शुल्क, किताबें, उपकरण और यात्रा (विदेश अध्ययन के लिए) के लिए ऋण स्वीकार्य है। छ) आवेदक के पास सत्यापित आय प्रमाण पत्र के साथ सह-उधारकर्ता (माता-पिता/अभिभावक) होना चाहिए। ज) आर्थिक रूप से कमजोर वर्गों की महिला छात्रों और उम्मीदवारों को वरीयता दी जाएगी
क्षेत्र: Indiaलाभ: other
आवश्यक दस्तावेज़
- ✓ Duly filled Education Loan Application Form.
- ✓ Photographs of student and co-borrower (parent/guardian).
- ✓ Proof of Minority Status (certificate or self-declaration).
- ✓ Income Certificate of the family issued by competent authority.
- ✓ Proof of Residence: Aadhaar card, voter ID, ration card, or utility bill.
- ✓ Admission Letter from recognized college/university in India or abroad.
- ✓ Fee Structure or estimate from the educational institution.
- ✓ Mark Sheets/Certificates of qualifying examinations (Class X, XII, Graduation, etc.).
- ✓ Bank Account Proof: Aadhaar-linked bank passbook copy.
- ✓ Valid Passport and Visa (for studies abroad).
- ✓ Proof of age (DOB Certificate/10th Certificate).
- ✓ Affidavit/Undertaking confirming that no other education loan has been availed under a government scheme.
- ✓ PAN Card of student and co-borrower.
- ✓ <br>
आवेदन कैसे करें
चरण 1: Offline application
• NMDFC implements its schemes & programs through State Channelizing Agencies (SCA list: www.nmdfc.org/SCA ) nominated by the respective State Governments & Banking Partners on refinance mode (Presently through Canara Bank & Punjab Grameen Bank). <br>
FAQ
What is the objective of NMDFC’s Education Loan Scheme?
The Education Loan Scheme aims to provide concessional credit to minority students for pursuing professional and technical courses in India and abroad to promote employability and skill development. <br>
What is the maximum amount of education loan that can be availed?
Under both Credit Lines, loans are available up to Rs. 20.00 lakh for professional or job-oriented degree courses in India and up to Rs. 30.00 lakh for courses abroad. <br>
What are the interest rates applicable to Education Loans?
Under Credit Line–1, the interest rate is 3% per annum. Under Credit Line–2, the rate is 8% per annum for male students and 5% per annum for female students. <br>
When does the repayment period begin, and how long is it?
Repayment begins six months after completion of the course or upon obtaining employment, whichever is earlier, and must be completed within five years. <br>
Sources & References
- Official scheme website ↗
- View on myScheme (Government of India) ↗
- Information is summarised from official government sources. Verify all details on the official website before applying.
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