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Ministry Of Social Justice and Empowerment

Loan Based Schemes For Safai Karamchari - Education Loan Scheme (ELS)

Education Loan
Manual Scavengers
Professional Course
Safai Karamcharis
Technical Course
Waste Pickers
Application Process
Documents Required
Frequently Asked Questions
an Education Loan scheme by the Ministry of Social justice and Empowerment for Safai Karamchari, Manual Scavengers, and their dependents aged 18 years and above.

Under this scheme, term loans are extended through State Channelising Agencies (SCA), Regional Rural Banks(RRBs) and Nationalised Banks to the target group.

  1. Educational Loan Upto 90% of the unit cost with a maximum unit cost of Rs.10.00 lacs for study in India and Rs.20.00 lacs to study abroad at interest rate of 4%
  2. 0.5% per annum rebate for women in case of study in India
  3. Promoters’ contribution: 10% to be arranged by the student/CAs
  4. Loans are extended through Channelizing Agencies (CAs) i.e. State Channelizing Agencies (SCAs), Regional Rural Banks (RRBs) and Public Sector Banks (PSBs) to the target group.

Note: The interest on Education Loan (for study in India) is reimbursable under the scheme of Ministry of Education,Government of India to the beneficiaries whose family annual income is upto 4.50 lac per annum

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