Scholarship
Loan For Foreign Study (S.E.B.C.)(LFS-SEBC)
Eligibility
The applicant must belong to the Socially and Educationally Backward Class (S.E.B.C.).
Region
Gujarat
Award
Cash
By Expertie Editorial Team · Expertie editorial desk
Overview
About LFS-SEBC
Loan For Foreign Study (S.E.B.C.) is a state scheme of the Government of Gujarat, run by the Social Justice and Empowerment Department. Within the department it is administered by the Director of Developing Castes Welfare, and it is meant for students from the Socially and Educationally Backward Class (SEBC) who plan to study abroad.
The scheme offers a concessional education loan rather than a grant. Eligible students can borrow up to ₹15 lakh towards a foreign degree at 4% annual interest. The money is intended to cover the cost of higher education at a recognised university or college outside India.
It is open to SEBC students of Gujarat who have already secured admission to a foreign institution. Because this is a loan and not a scholarship, the amount is repaid over time.
Sources: myScheme - Loan For Foreign Study (S.E.B.C.) · Director, Developing Castes Welfare, Gujarat - Loan for Study Abroad · National Government Services Portal - Gujarat Loan for Study Abroad (SEBC)
Who runs it
Provider
Gujarat State Government
State / UT Government
Social Justice and Empowerment Department
At a glance
Key details
| Level | State/ UT |
| Scheme type | — |
| Category | Banking,Financial Services and Insurance, Education & Learning |
| 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 belong to the Socially and Educationally Backward Class (S.E.B.C.). | |
| The applicant's family annual income must be less than ₹10,00,000/- (Rupees Ten Lakh). | |
| The applicant must have secured a minimum of 60% or more marks in 12th standard. | |
| The applicant must have secured a minimum of 50% marks if they belong to Notified Tribes/De-notified Tribes (NT/DNT), More Backward, or Extremely Backward categories. | |
| The applicant must be pursuing higher education abroad. | |
| The applicant must be pursuing a Diploma, Graduate, Post Graduate, Post Graduate Diploma, Doctor of Philosophy (Ph.D.), or higher-level courses in any field. | |
| The course must be for a minimum duration of 1 (one) academic year or more, or at least two semesters. | |
| The applicant must apply before traveling abroad or within six months of arriving abroad. | |
| The applicant must submit one solvent guarantor. |
What you get
Award & benefits
- Financial Assistance
- A maximum Foreign Study Loan of ₹15,00,000/- is provided for higher education abroad.
- The loan is offered at a simple annual interest rate of 4%.
- The loan covers costs such as air tickets, registration fees, tuition fees, education fees, hostel fees, books, and other expenses associated with the first year of the course abroad.
- Disbursement Conditions
- The full loan amount of ₹15,00,000/- will be disbursed to the student in a single installment.
- The money will be deposited into the student's bank account after the submission of the original registered mortgage deed.
- Post-Selection Obligations
- After the sanction order is received, the student's parent or guardian must obtain the prescribed mortgage deed form from the District Office.
- The property presented by the student's parent/guardian or the guarantor must be registered as a mortgage in favor of the government.
- The loan repayment must begin one year after the completion of the student's study.
- The loan must be repaid in monthly or quarterly installments.
- The principal loan amount must be fully repaid within a maximum period of 10 years.
- The interest amount must be fully repaid within a maximum period of 2 years.
- The student must ensure all required documentation is completed within the prescribed time limit.
What to prepare
Documents required
• Caste Certificate.
• Family Income Certificate.
• Income Tax Return.
• Form-16.
• Mark Sheet.
• Degree Certificate.
• Offer Letter from Foreign University (Offer Letter/Letter of Acceptance).
• Copy of Student’s Passport.
• Copy of Student’s Visa (of the Foreign Country).
• Copy of Air Ticket.
• Parents’/Guardian’s Property Documents (And Valuation Report).
• Registered Mortgage Deed (Original) (Required after approval for loan disbursement).
Step by step
How to apply
- 1Apply online
See the official links below for the application portal.
Source
Official links
Questions
LFS-SEBC – FAQ
Applicants must have secured a minimum of 60% or more marks in their 12th standard examinations. However, if the applicant belongs to Notified Tribes/De-notified Tribes, More Backward, or Extremely Backward categories, the minimum requirement is 50% marks.
Yes, you must submit your application either before traveling abroad for your studies or within six months of arriving in the foreign country where you intend to pursue your higher education.
The scheme provides a maximum loan amount of ₹15,00,000/- (Rupees Fifteen Lakh) to eligible students for pursuing higher education in foreign countries.
After receiving the sanction order, your parent or guardian must obtain the prescribed mortgage deed form from the District Office and register the property as a mortgage in favor of the government. Once the original registered mortgage deed is submitted, the full loan amount will be deposited directly into your designated bank account in a single installment.
The scheme covers Diploma, Graduate, Post Graduate, Post Graduate Diploma, Doctor of Philosophy courses, or higher-level courses in any field. The course must have a minimum duration of one academic year or more, or consist of at least two semesters.
The applicant's family annual income must be less than ₹10,00,000/- (Rupees Ten Lakh) to be eligible for this loan scheme.
The loan is offered at a simple annual interest rate of 4%, making it an affordable option for eligible students seeking financial assistance for overseas education.
The loan covers various expenses including air tickets, registration fees, tuition fees, education fees, hostel fees, books, and other costs associated with the first year of your course abroad.
Loan repayment must begin one year after the completion of your studies. The loan must be repaid in monthly or quarterly installments according to your convenience and financial capacity.
The principal loan amount must be fully repaid within a maximum period of 10 years from the date you begin repayment, which starts one year after course completion.
Yes, you must submit one solvent guarantor with your application. Additionally, after approval, the property presented by your parent/guardian or the guarantor must be registered as a mortgage in favor of the government before loan disbursement.
Applicants must belong to the Socially and Educationally Backward Class. This includes various categories such as Notified Tribes/De-notified Tribes, More Backward, and Extremely Backward categories with specific eligibility criteria.
The interest amount on the loan must be fully repaid within a maximum period of 2 years from the commencement of your repayment schedule.
You must provide an Offer Letter or Letter of Acceptance from the foreign university, a copy of your passport, a copy of your visa for the foreign country, and a copy of your air ticket.
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.
15 Days Skill Up-gradation Training 6% Interest Subsidy on Loans taken through Banks for Study Abroad Aam Aadmi Bima Yojana (Maharashtra) Admission of Adi Dravidar/Tribal Students in Plus One at Reputed Schools Award of Adhoc Merit Grant (Special Incentive) to Scheduled Caste Students Award of Attendance Scholarship to Girl Students in the Middle Stage of Education