Education Loan Scheme under NSKFDC is a specialized support program that gives financial help to students from Safai Karamchari families for regular full-time professional or technical courses. Eligible candidates can get loans of up to ₹10 lakhs for studies within India and up to ₹20 lakhs for education abroad, so money problems do not stop academic goals.
Education Loan Scheme under NSKFDC - Introduction
Education Loan Scheme under NSKFDC works as a helpful financial bridge for students aiming for academic success. Haryana Scheduled Castes Finance and Development Corporation (HSFDC) runs this scheme in partnership with the National Safai Karamcharis Finance and Development Corporation (NSKFDC), and it helps cover the costs of higher education. Safai Karamcharis and their dependents can use this funding to study recognized professional or technical programs in India or abroad.
The scheme covers expenses such as admission fees, tuition, books, exam fees, and travel costs for students studying internationally. Funding goes to government-recognized institutions, keeping the path toward professional success smooth and supported.
Professional and Technical Courses Covered
Support is available for a wide range of regular full-time courses. This includes fields like Engineering, Medicine, Management, Biotechnology, Law, Nursing, and various diploma-based technical programs. Whether the goal is a B.Tech, MBA, MBBS, or a specialized Chartered Accountancy course, the scheme supports study at the diploma, graduation, or postgraduate level.
Key Information
| Key Attribute | Details |
|---|---|
| Scheme Name | Education Loan Scheme under NSKFDC |
| Level | State |
| Beneficiary State | Haryana |
| Implementing Agency | Haryana Scheduled Castes Finance And Development Corporation |
| Nodal Department | Welfare of Scheduled Caste and Backward Classes Department |
| Loan Target | Safai Karamcharis and their Dependents |
| Helpline | 0172-3968400 |
Benefits
This scheme gives strong financial backing to help complete education without stress. Below is the support available:
| Study Location | Maximum Loan Limit |
|---|---|
| Within India | ₹10,00,000 |
| Abroad | ₹20,00,000 |
For repayment, payments begin 6 months after completing the course or upon finding employment, whichever comes first. The loan is repaid in 20 quarterly installments over 5 years from the date of first payment. Academic credentials may include a marker showing repayment liabilities.
Eligibility
To benefit from this support, the following criteria should be met:
- Must be a permanent resident of Haryana.
- Age should be between 18 and 55 years.
- There is no specific income limit required to apply.
- Must be a Safai Karamchari or a dependent of a Safai Karamchari.
- Must have secured admission in a regular, full-time professional or technical course.
For example, if Ramesh, a dependent of a municipal sanitation worker, gets admission into a recognized engineering college, he is fully eligible to apply for this loan, provided he submits the required certification from a gazetted officer or local authority.
Application Process
Application can be made online or offline. For online submission, follow these steps:
STEP 1 - Visit the HSFDC Official Website and select the scheme under the Bank Tie-up category.
STEP 2 - Complete registration by providing Aadhaar details and mobile number to receive an OTP for verification.
STEP 3 - After registration, log in to the dashboard, upload documents including surety details, and submit the final application.
STEP 4 - Alternatively, apply through the Antyodaya-SARAL Portal by searching for the scheme after logging in.
Offline Application
To apply in person, visit the office of the District Manager of the Corporation in Haryana. Carry all admission proof and official documents to start the request. For any query related to the scheme, call the helpline at 0172-3968400 from 7 am to 8 pm on working days.
Documents
When preparing the application, keep the following documents ready to verify candidacy:
- Proof of identity, such as the Aadhaar Card.
- A valid Safai Karamchari Certificate issued by a competent municipal or government authority.
- Official admission confirmation from the educational institution, including the fee structure.
- Details about the accreditation status of the course and institution.
- A residence certificate confirming residence in Haryana.
- Additional documents for specific cases, such as travel or visa documents for studies abroad or clearance certificates for loans exceeding ₹1,00,000.
References
Official Website | Scheme Details | Antyodaya-SARAL Portal | Ministry of Social Justice and Empowerment
FAQ's
Who is eligible for this loan?
Safai Karamcharis or their dependents living in Haryana are eligible to apply for this loan for regular full-time courses.
Are there specific income criteria?
No, there is no income limit to apply for this educational loan.
What is the upper age limit?
Applicants must be between 18 and 55 years of age to be eligible for this scheme.
How soon must repayment start?
Repayment begins 6 months after completing the course or getting a job, whichever happens earlier.
Does the loan cover living expenses?
Yes, the loan covers admission fees, tuition, boarding, lodging, books, and other essential study-related costs.