Scholarship
Educational Study Scheme(ESSG)
Overview
About ESSG
The Educational Study Scheme is a state loan programme run by the Gujarat Unreserved Educational and Economical Development Corporation (GUEEDC), a corporation under the Social Justice and Empowerment Department, Government of Gujarat. It extends financial assistance in the form of a loan, not a grant, to students entering self-financed professional courses at the graduate level.
The benefit covers the cost of study for degrees in fields such as medical, dental, engineering, technology, pharmacy, architecture, nursing, homeopathy and veterinary science. The loan carries a concessional rate of interest and a moratorium that runs through the course before repayment begins. Applications are made online through the state's e-Samaj Kalyan portal.
The scheme is aimed at students from Gujarat who belong to the unreserved category and to the economically weaker sections within it. Applicants must meet the department's residency, academic and family-income conditions.
Sources: Department of Social Justice & Empowerment, Government of Gujarat – Schemes (GUEEDC listed) · myScheme – Educational Study Scheme (ESSG) · Propelld – GUEEDC Education Loan: Eligibility and Interest Rate
Who runs it
Provider
Gujarat Unreserved Education And Economical Development Corporation
State / UT Government
Social Justice and Empowerment Department · Gujarat Unreserved Education And Economical Development Corporation
At a glance
Key details
| Level | State/ UT |
| Scheme type | — |
| Category | Education & Learning, Banking,Financial Services and Insurance, Social welfare & Empowerment |
| Beneficiaries | Individual |
| Benefit type | Cash |
| Application mode | Online |
Calendar
Important dates
Across all open application cycles.
| Cycle | Stage | Date |
|---|
Who can apply
Eligibility criteria
| The applicant must be from Gujarat | |
| The applicant must belong to the unreserved category. | |
| The applicant must have passed Standard 12 with 60% or more from any school in the state of Gujarat. | |
| The annual family income limit for state educational loan schemes will remain at ₹6,00,000/- or less. | |
| Note | Priority is given to widows and orphans when sanctioning loans under this scheme. |
| Note | The loans of those who drop out mid-studies or fail to obtain a degree within the stipulated time frame will be subject to recovery at once and interest subsidy will not be available. |
What you get
Award & benefits
- Financial Assistance: A loan of the total tuition fee of the entire course or ₹10,00,000/-, whichever is less, will be provided by the Corporation at a simple interest of 4%.
- Collateral: For loans of total loan amount of ₹7,50,000/- or less for the entire course, a charge of one and a half times the loan amount will have to be registered on the beneficiary's own or relative's property.
- If the total loan amount for the entire course is more than ₹7,50,000/-, the immovable property of oneself or any other relative equal to that total amount will have to be mortgaged in favor of the Corporation.
- Loan repayment: In case of total loan up to ₹5,00,000/-, the loan amount along with interest will have to be repaid in equal monthly installments over 5 (five) years, 1 year after completion of studies.
- In case of loan of more than ₹5,00,000/-, the loan amount along with interest will have to be repaid in equal monthly installments over 6 (six) years, starting 1 year after completion of studies.
- The loan amount being repaid will be credited first as interest.
- The borrower can repay the loan even before the specified time limit.
What to prepare
Documents required
Step by step
How to apply
- 1Apply online
See the official links below for the application portal.
Source
Official links
Questions
ESSG – FAQ
Disclaimer
Scheme details are compiled from myScheme, the Government of India’s official scheme-discovery platform, and are reproduced without alteration. Amounts, deadlines and eligibility change between cycles — always confirm on the official links above before applying. Expertie does not process applications or charge fees.