Financial Loan for Training of Commercial Pilot

Financial Loan for Training of Commercial Pilot helps students from Socially and Educationally Backward Classes (SEBC) of Gujarat get money support for their Commercial Pilot License (CPL) training. Under this scheme, a loan of up to ₹25,00,000 is offered at a low interest rate of 4% per annum, so the high cost of flying training does not block the career path of a deserving candidate.

Social Justice and Empowerment Department, Government of Gujarat offers this loan scheme for SEBC students. Eligible candidates can apply online for the current year through the e-Samaj Kalyan Portal, and the loan amount is paid directly to the student's bank account after the mortgage deed is registered.

Financial Loan for Training of Commercial Pilot - Introduction

This scheme was launched to help SEBC students meet the full cost of Commercial Pilot License training. A loan at a low interest rate is given to candidates who meet the academic and institutional standards set for CPL training, whether the training is done in India or abroad.

There is no income limit for this loan. The student or the guardian has to provide one solvent guarantor and mortgage property in favor of the government as security. Loan recovery starts exactly one year after the loan is paid out.

Key Information

Benefits

This loan scheme makes aviation training affordable for SEBC students. The main benefits are given below.

Note: Loan recovery starts exactly one year after the loan is paid out. For example, if a student receives the loan in January 2025, the repayment cycle begins in January 2026.

Eligibility

Applicants need to meet the following conditions to get this loan.

• Must belong to a Socially and Educationally Backward Class (SEBC) recognized in Gujarat.
• Must have passed Class 10 (Matriculation), Class 12 (Higher Secondary), or an equivalent examination.
• Must meet all academic and technical requirements set by the chosen CPL training institute.
• Must provide one solvent guarantor.
• The applicant or the guardian must own property that can be mortgaged in favor of the government.

Application Process

Application for this loan is done online on the e-Samaj Kalyan Portal. Follow the steps given below.

STEP 1 - Visit the official e-Samaj Kalyan Portal and click on 'Citizen Login' on the home page.

STEP 2 - Select 'New User' and register by entering details like name, Aadhaar number, gender, date of birth, email ID, and caste.

STEP 3 - Log in using the unique User ID and password created during registration.

STEP 4 - Open 'User Profile', fill in all mandatory fields, and save the updates.

STEP 5 - Select Financial Loan for Training of Commercial Pilot scheme, fill out the application form, and upload the required documents.

STEP 6 - Accept the terms and conditions, save the application, and submit it.

STEP 7 - Take a printout of the application and note down the application number to track the status online.

Important: Two physical copies of the application along with all documents must also be submitted to the concerned District Office.

Post-Application Steps: The District Office checks the application and sends it to the Director, Office of Welfare of Developing Castes. Incomplete applications are returned for corrections. After approval, the guardian has to register a mortgage deed in favor of the government. Once the original registered deed is submitted, the bank pays the loan directly to the student's bank account.

Documents

Keep these documents ready before starting the application.

• Caste Certificate - proof of SEBC category.
• School Leaving Certificate - from the last school attended.
• Income Proof - family income certificate, IT returns, or Form-16.
• Academic Certificates - from Class 10 onwards.
• Admission Consent Letter - from the CPL training institute.
• Training Expense Estimate - detailed estimate of training costs.
• Travel Documents - passport, visa, and air ticket copies if training is abroad.
• Property Documents - papers and current valuation report of the father's or guardian's asset.
• Guarantor Details - details of one solvent guarantor.

References

Official pages for this scheme are given below.

Official Scheme Page - Social Justice and Empowerment Department

Scheme Guidelines - Mari Yojana Portal

e-Samaj Kalyan Portal - Apply Online

FAQ's

What is the maximum loan amount I can get?

You can get a loan of up to ₹25,00,000 at a low interest rate of 4% per annum.

Is there any penalty for late payments?

Yes, a penal interest of 2.5% applies if you miss your scheduled payments.

What is the total time given for repayment?

You should repay the principal within 10 years and the interest component within 2 years.

Who is eligible for this loan?

Students belonging to SEBC who meet the educational criteria and have bankable property for mortgage are eligible.

Is there an income limit for applicants?

No, there is no specific income limit for this scheme.

Can I use the loan for international flight training?

Yes, you can use the loan for training abroad, provided you have all the required legal and admission documents.

Is a guarantor required?

Yes, providing one solvent guarantor is a mandatory requirement.

Do I need to mortgage my property?

Yes, property belonging to your guardian or guarantor must be mortgaged as security for this government loan.

How do I track my application status?

You can track it by logging into the e-Samaj Kalyan Portal using your registered credentials.

What happens if my application is incomplete?

If your form is incomplete, the authorities will return it to you so you can make the required corrections and resubmit it.