(a) whether the Government has launched any concessional
education loan schemes for the students of SCs, OBCs and
other students belonging to poor families Safai Karamchari
with disabilities for study within the county and abroad;
(b) If so, the details thereof;
(c) whether interest subsidy is also available for the
above loan facilities; and
(d) If so, the details thereof?
MINISTER OF STATE IN THE MINISTRY OF HUMAN RESOURCE DEVELOPMENT
(Dr. D. PURANDESWARI)
(a) & (b): The Ministry of Human Resource Development
has not launched any such Concessional Education Loan
Scheme. However, as per the information received from the
Ministry of Social Justice & Empowerment, there are two
Education Loan Schemes (ELS) of that Ministry as under:
# ELS of National Safai Karamcharis Finance and Development
Corporation (NSKFDC); and
# ELS of National Scheduled Castes Finance and Development
Corporation (NSFDC).
Under the ELS of NSKFDC, Education Loan is provided to
the members of Safai Karamcharis including Scavengers and
their dependents for purposes of professional or technical
education at graduate and post-graduate level and also for
higher study in Engineering, Medical, Management, Law etc.
to the extent of 90% of the loan amount subject to maximum
loan limit of Rs. 10.00 lakh per student (for studying
within India) and Rs. 20.00 lakh per student (for studying
abroad). The balance 10% is to be borne by students.
Under the scheme NSFDC, loan is provided for pursuing
fulltime Professional / Technical courses upto Rs. 10.00
lakh (for studies within India) and upto Rs. 20.00 lakh (for
studies abroad). 90% of the loan amount is provided by
NSFDC and 10% is to be borne by students.
(c) & (d): The interest subsidy is available to all
Educational Loans obtained for studies within India under
Education Loan Scheme of Indian Banks` Association (IBA),
including schemes mentioned above.