Scholarship
Higher Education And Skill Development Guarantee Scheme(HESDGS)
Eligibility
Students who wish to pursue a diploma or degree or specified skill development courses in Delhi and have done their Class-X and Class–XII from Delhi are eligible under this Scheme. For courses for which the qualifying examination is Class-X, students who have done Class-X in Delhi would be eligible under this Scheme. Students who are children of employees of Govt. of NCT of Delhi or Officials/government servants who are posted with the Govt..of NCT of Delhi are also eligible under this scheme.
Region
Delhi
Award
Cash
By Expertie Editorial Team · Expertie editorial desk
Overview
About HESDGS
The Higher Education and Skill Development Guarantee Scheme is run by the Directorate of Higher Education, Government of NCT of Delhi, and was introduced as part of the Delhi government's 70 Action Points. Its stated purpose is to help students in Delhi finance diploma, degree, and specified skill development courses through the banking system rather than out of their own pocket.
The benefit is not a direct grant. The scheme works through a Higher Education and Skill Development Credit Guarantee Fund set up by the government, which guarantees the loan to the lending bank if a student defaults. Because the fund carries that risk, a participating bank can extend credit without asking the student for collateral or margin money, and the cover runs up to a bank loan of INR 10 lakh.
It is aimed at students who have completed their schooling in Delhi and are moving into recognised diploma, degree, or skill development courses. Eligibility turns on where you sat your qualifying examination: Class X and Class XII from Delhi for most courses, and Class X from Delhi where that is the qualifying stage. The Directorate describes the scheme as universal in nature, open to meritorious students regardless of social or economic background.
Sources: Directorate of Higher Education, Government of NCT of Delhi - Higher Education and Skill Development Guarantee Scheme · myScheme - Higher Education and Skill Development Guarantee Scheme · Buddy4Study - Higher Education & Skill Development Guarantee Scheme
Who runs it
Provider
Delhi State Government
State / UT Government
Higher Education Department
At a glance
Key details
| Level | State |
| Scheme type | — |
| Category | Education & Learning |
| Beneficiaries | Individual |
| Benefit type | Cash |
| Application mode | Online |
Calendar
Important dates
Across all open application cycles.
| Cycle | Stage | Date |
|---|---|---|
| Current | Applications open | 2015-01-01 |
Who can apply
Eligibility criteria
| Students who wish to pursue a diploma or degree or specified skill development courses in Delhi and have done their Class-X and Class–XII from Delhi are eligible under this Scheme. For courses for which the qualifying examination is Class-X, students who have done Class-X in Delhi would be eligible under this Scheme. Students who are children of employees of Govt. of NCT of Delhi or Officials/government servants who are posted with the Govt..of NCT of Delhi are also eligible under this scheme. | |
| The student should have secured admission to a higher education course or specified Skill development courses (diploma or degree including bachelor, Master and Doctoral Degrees) in recognized institutions in Delhi through the Entrance Test/ Merit Based Selection process after completion of the Secondary Examination/Senior Secondary Examination/required qualifying examination. | |
| The guarantee would be available for loans for all recognized diploma/degree courses from Government Institutions /Universities and constituent colleges of the University of Delhi. It would also be available for Private/ Self-financed Institutions located in Delhi having NAAC/NBA/SFRC grading. The department will persuade all the Private Institutions to get accreditation from NAAC/NBA. Till such time, grading as given by the Third State Fee Regulatory Committee (SFRC) set up by the Directorate of Higher Education and Directorate of Training & Technical Education may be used for Private Institutions, since this grading is based on the infrastructure, faculty and academic standards of the institutions as also the costs being incurred by it. | |
| It would also be available for Institutions of Technical/Training Skill Development such as courses by World Class Skill Centre or any other technical training/skill development institutions specified by the Government of NCT of Delhi. | |
| Courses Eligible for Studies in Delhi | |
| Approved courses leading to graduate/ post-graduate degrees and PG diplomas conducted by recognized colleges/ universities recognized by UGC/ Government/ AICTE/ AIBMS/ ICMR etc | |
| Courses like ICWA, CA, CFA etc | |
| Courses conducted by IIT, NIFT, NLU, IIFT etc | |
| Regular Degree/Diploma courses like aeronautical, pilot training, shipping, including those run by Polytechnics etc., degree/diploma in nursing, physiotherapy or any other discipline approved by the Director General of Civil Aviation/Shipping/Indian Nursing Council or any other regulatory body as the case may be if the course is pursued in Delhi. | |
| Skill Development Courses as may be specified by Govt. of NCT of Delhi. |
What you get
Award & benefits
- The maximum amount of education loan guaranteed under this scheme is up to ₹ 10 Lakhs Only.
What to prepare
Documents required
List of the required documents
Aadhaar Card (Student)
Pan Card (Student)
10th certificate (Passed from Delhi), For courses for which the qualifying examination is class X.
12th certificate (Passed from Delhi), For courses for which the qualifying examination is class XII.
Employer’s Certificate (Students who are children of employees of Govt. of NCT of Delhi or Officials/government servants who are posted with the Govt. of NCT of Delhi are also eligible under this scheme.) Declaration (With Photo & Signature with Date)
Photograph.
Certificate
Only the Central /State Govt. Universities /Institutions located outside Delhi, and within India, are covered under this scheme.
Certificate: is mandatory at the time of application/sanction of education loan only for the meritorious students for pursuing a recognized degree or diploma level courses or skill development courses from Central /State Govt. Universities /Institutions located outside Delhi, within India.
Note
PAN No: is not mandatory at the time of application/sanction of education loan however, students shall have to furnish details of PAN before releasing the second instalment.
Step by step
How to apply
- 1Apply online
https://higheredn.delhi.gov.in/
Source
Official links
Questions
HESDGS – FAQ
Students who wish to pursue diploma or degree level courses or specified skill development courses in Delhi and have done their class X and class XII from Delhi. For courses for which the qualifying examination is class X, students who have done class X from Delhi will be eligible under the scheme. Students should be in Govt. Institutions or private self financed Institutions located in Delhi having A or B grading of NAAC and NBA or SFRC grading of A+ or A. and whose fee is regulated by the Govt. Meritorious students for pursuing higher education in Delhi and pursuing recognized degree or diploma level courses or skill development courses from Central /State Govt. Universities /Institutions located outside Delhi, within India.
1. Aadhaar Card (Student) 2. Pan Card (Student) 3. 10th certificate (Passed from Delhi), For courses for which the qualifying examination is class X. 4. 12th certificate (Passed from Delhi), For courses for which the qualifying examination is class XII. 5. Employer’s Certificate (Students who are children of employees of Govt. of NCT of Delhi or Officials/government servants who are posted with the Govt. of NCT of Delhi are also eligible under this scheme.) Declaration (With Photo & Signature with Date) 6. Photograph.
The list of approved member banks of Delhi is available at our website of Student Loan (http://web.delhi.gov.in/)
Eligible, Only those meritorious students are eligible who pursuing higher education in a recognized degree or diploma level courses or skill development courses from Central /State Govt. Universities /Institutions located outside Delhi, within India. Students who apply in this scheme have to fill the details of Universities /Institutions located outside Delhi, within India and also have to upload the following certificate. Certificate from Govt. Institute/College/University is required to be furnish while applying and upload documents (format is available to download)
Not Eligible, Only those students who have done their class X and class XII from Delhi is eligible under the scheme.
Only Central /State Govt. Universities /Institutions located outside Delhi, within India are covered under this scheme.
Rate of Interest: Base Rate (BR) of Selected Bank Plus (+) 2%. Note: Base Rate: May vary from Bank to Banks
Not Required, No Collateral or Margin money is required to be paid by the students under this scheme
Govt. Institutions or private self financed Institutions located in Delhi having A or B grading of NAAC and NBA or SFRC grading of A+ or A. and whose fee is regulated by the Govt.” Only those Universities/Institutions which are located in Delhi and their fee is regulated by the Govt. are covered under this scheme. The guarantee will be available for loans for courses of Government Institutions. It will also be available for private self financed Institutions located in Delhi having A or B grading of NAAC and NBA or SFRC grading of A+ or A.
Students need to visit the official site.At bottom of the page, click on Apply now or access the official site of edistrict. Students have to register himself/herself at the same site.Only online applications will be accepted and hard copy of the application filled online along with uploaded documents is required to be submitted to the concerned Bank/Branch.
The maximum amount of education loan guaranteed under this scheme is up to Rs. 10 Lakhs Only
The moratorium period of the Loan is a Course period plus one year and the Repayment period is 15 years.
No
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.
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