Loan for Training of Commercial Pilot (GUEEDC)(LTCPG)

Overview

About LTCPG

The Loan for Training of Commercial Pilot (GUEEDC) lends Gujarat students from the unreserved category the money to train for a Commercial Pilot Licence, and every rupee of it is repaid with interest. Three conditions that the scheme record on this page leaves out decide who gets it and what it costs the family: a minimum Class 12 score, a family income ceiling, and a registered mortgage of a parent's or guarantor's property in the government's favour. All three are set out on the corporation's own scheme page on e-Samaj Kalyan, the state portal where the application is filed (GUEEDC pilot loan, e-Samaj Kalyan).

The loan was added to the schemes of the Gujarat Unreserved Education and Economic Development Corporation (GUEEDC) by a Social Justice and Empowerment Department resolution of 25 January 2019 (GUEEDC resolution, January 2019, the commission's list of resolutions). That resolution wrote out only the marks and income tests for the new loan and said its other terms would follow the pilot-training loan the state already ran for socially and educationally backward class (SEBC) candidates.

Who runs it

Provider

At a glance

Key details

Calendar

Important dates

GUEEDC has published no application window or last date for this loan; its scheme table on e-Samaj Kalyan simply shows it open for online applications (GUEEDC schemes, e-Samaj Kalyan). The dated pilot-loan notices on the portal's notice board, such as the one of May 2024 opening the portal for 2024-25, come from the Director, Developing Castes Welfare and concern the SEBC loan, so they set no dates for this one (e-Samaj Kalyan notice board). The scheme's own starting point is the resolution of 25 January 2019 that created it (the commission's list of resolutions).

Who can apply

Eligibility criteria

The corporation's e-Samaj Kalyan page sets the marks bar at "ધોરણ-૧૨ માં ઓછામાં ઓછા ૬૦% ટકા", at least sixty per cent in Class 12, and also asks that the applicant meet the academic standard the recognised flying school sets for admission. Its income test is a family income of six lakh rupees a year "કે તેથી ઓછી", or less (GUEEDC pilot loan, e-Samaj Kalyan). The Gujarat State Commission for Unreserved Classes prints the same two tests on its own page for the scheme (GSCUC scheme page).

Residence is stricter than the record's "permanent resident" line suggests. The undertaking at the foot of the application form has the applicant sign "હું ગુજરાત માં ૧૫ વર્ષ થી સ્થાયી થયેલ છું", a declaration of having been settled in Gujarat for fifteen years (application form, e-Samaj Kalyan). A family that moved to the state more recently should put that line to the district manager before paying a flying school's deposit.

Who cannot apply

Exclusions

GUEEDC's remit stops where the reserved categories begin: its charter covers the unreserved class "except community belonging to scheduled tribe, scheduled caste, socially and economically backward class and their dependents" (GUEEDC, about us). Students in those groups apply to their own pilot loans instead. Within the unreserved category, a Class 12 score under the marks bar or a family income above the ceiling rules an applicant out, whatever offer the flying school has made. The same form's undertaking also has the applicant confirm that no one in the family has borrowed under this scheme before, so a second child from a family that has already used it cannot sign it truthfully (application form, e-Samaj Kalyan).

Continuation

Renewal conditions

No renewal cycle is published. The corporation's page describes one application, an in-principle approval and a second stage for releasing the money, with no yearly re-application (GUEEDC pilot loan, e-Samaj Kalyan). What the family owes after sanction is an account of the spending: the joint undertaking commits student and parent to use the money only for the pilot training and to submit the details of training expenses with proof (Annexures 1 and 2, e-Samaj Kalyan).

What you get

Award & benefits

The corporation lends up to twenty-five lakh rupees, "મહત્તમ રૂ.૨૫.૦૦ લાખની લૉન" on its e-Samaj Kalyan page, at "વાર્ષિક ૪ ટકા લેખે સાદુ વ્યાજ", simple interest of four per cent a year (GUEEDC pilot loan, e-Samaj Kalyan). The commission's page adds the cap that matters for a cheaper course: twenty-five lakh "અથવા ખરેખર ચુકવવાની થતી ફી એ બે માંથી જે ઓછુ હોય તે", or the fee actually payable, whichever is lower (GSCUC scheme page).

None of it is a grant; the concession is the rate, not a waiver of any part of the principal. The price of the low rate is security. Once the loan is approved in principle, the parent's property is mortgaged to the government by a registered deed and a charge is recorded against it, and if the parent's property cannot be mortgaged, the guarantor's property named in the application is used instead (GUEEDC pilot loan, e-Samaj Kalyan). The joint undertaking states that the property offered is worth the amount of the loan (Annexures 1 and 2, e-Samaj Kalyan).

• Loan Assistance: Up to ₹25,00,000/- at a concessional interest rate of 4% per annum.

What to prepare

Documents required

The record's list covers identity, marks, income and the bank account. The corporation's own page asks for the flying papers too, and these are the ones a family is least likely to have ready (GUEEDC pilot loan, e-Samaj Kalyan):

• The flying school's admission letter, and proof of its recognition for commercial pilot training together with the period that recognition covers.
• The Student Pilot Permit and the medical certificate for commercial pilot training.
• The computer number issued by DGCA and the details of your examination results, as the page words it.
• An outline of the training on the school's letterhead, proof of the fee payable or paid each year, and the fee structure for the whole course.
• The parent's consent to the charge or mortgage (Annexure 1), a government-approved valuer's certificate for the property with photographs, and the property papers.
• The joint repayment undertaking (Annexure 2).
• Passport, visa and air ticket copies when the training is abroad.

The "caste certificate" in the record is, for this loan, the unreserved-class certificate, which the page lists as "બિનઅનામતનો દાખલો" (GUEEDC pilot loan, e-Samaj Kalyan). The form's own checklist also asks for the family's income tax return or, where there is none, a self-declaration (application form, e-Samaj Kalyan).

Step by step

How to apply

The application starts online on e-Samaj Kalyan, not on the corporation's own website. GUEEDC's site lists no pilot loan among its schemes, and its "Apply Now" list names seven schemes without it (GUEEDC). On e-Samaj Kalyan, the corporation's scheme table carries a "Commercial pilot Loan scheme" and a separate "Commercial pilot Loan scheme - Second Level", and shows online applications as open (GUEEDC schemes, e-Samaj Kalyan). Mari Yojana, the state's scheme directory, still describes a free offline form for this loan (Mari Yojana); the steps the corporation itself publishes run as follows (GUEEDC pilot loan, e-Samaj Kalyan):

1. Register on e-Samaj Kalyan, pick the Gujarat Unreserved Education and Economical Development Corporation from the Corporation menu, and open the Commercial pilot Loan scheme.
2. Enter the flying school, the course dates from its offer letter and the loan you need split into tuition, boarding and other costs, attach the pilot papers listed above, and submit (application form, e-Samaj Kalyan); a file with gaps comes back to you to complete.
3. The district office forwards the completed file to the corporation, which approves it in principle, asks for more papers or rejects it.
4. After in-principle approval, the parent collects the prescribed mortgage deed from the district office, registers the mortgage of the property named in the application in the government's favour, and has the charge recorded.
5. In the second stage, upload the documents for release of the loan online and hand in two copies of the complete file at the district office.

The district office in these steps is the corporation's district manager. GUEEDC's District Implementing Officer list names the commercial pilot training scheme among the loans its district managers handle, gives each one's address and telephone number, and warns that loan applications which do not reach them in hard copy with the required documents will not be accepted (District Implementing Officer list).

Following a Pilot-Loan File After Submission

Progress is looked up on e-Samaj Kalyan against the application number; besides that number, the portal's status page asks only for the applicant's date of birth (application status, e-Samaj Kalyan). Once a file reaches the mortgage or second stage, the district manager's office is the one that issues the deed and takes in the two paper copies, so that is where to ask what is holding it. For questions about the scheme itself, GUEEDC runs an administrative helpline on 079-23258684 (GUEEDC online portal, GUEEDC contact).

How winners are picked

Selection process

No merit list, interview or annual quota is published for this loan, and the decision is the corporation's rather than the district's. The district office only forwards the file; the corporation's office then approves it in principle, returns it for missing papers or rejects it (GUEEDC pilot loan, e-Samaj Kalyan).

Fine print

Terms & conditions

The loan is repaid with simple interest, and the paperwork binds the parent as firmly as the student. The joint undertaking makes the student and the parent or guardian co-applicants, liable jointly and each on their own. If the student does not finish the commercial pilot training or does not repay, the parent owes the whole loan with interest. The property offered cannot be sold or pledged until the loan and interest are cleared, and on default the government can recover the full amount with penal interest from that property as arrears of land revenue. Annexure 1 adds that if the property cannot be charged or mortgaged, the government may cancel the sanctioned loan (Annexures 1 and 2, e-Samaj Kalyan).

No official web page states the repayment start, the number of instalments or the penal rate for this loan in its text. The 2019 resolution sends the loan's remaining terms to the SEBC pilot loan (GUEEDC resolution, January 2019), whose departmental page gives the amount, the rate and "There is no Income Limit" but no schedule (Director, Developing Castes Welfare). Repayment terms do appear in the scanned mortgage deed that e-Samaj Kalyan attaches to the second stage, a printed GUEEDC form worded for its study loans (mortgage deed, e-Samaj Kalyan), so the parent should read that deed in full, and ask the district manager whether its terms apply unchanged to a pilot loan, before registering it.

Get help

Contact

Questions the district manager cannot settle go to the corporation's head office in Karmyogi Bhavan, Gandhinagar, at Block No. 2, 7th Floor, D-2 Wing, Sector 10-A, 382010, on 079-23258688 or 079-23258684 (GUEEDC contact). The district manager for your district, who receives the paper file, is named on the corporation's implementing officer list (District Implementing Officer list). For the unreserved-class certificate, the Gujarat State Commission for Unreserved Classes sits in Block No. 1 of Karmayogi Bhavan and answers on 079 23258647 (GSCUC FAQ).

Source

Official links

Frequently asked questions

From the official scheme FAQ (myScheme)

Read this

Disclaimer

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, so always confirm on the official links above before applying. Expertie does not process applications or charge fees.

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References

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