List of General / Unreserved Category Schemes by the Government of Gujarat

For a long, people belonging to ST, SC, OBC, and minority groups have attained the perks of government reservations. Most developmental schemes are designed for these people. But there are millions who require the same financial assistance for better education and livelihood but don’t get any as they belong to the general category. General category people have long demanded special reforms, under which financially weak general applicants can attain benefits. Thus, the Gujarat government has launched eight new projects, which will offer financial aid to general category applicants only.

List of newly launched schemes

1. Education Credit Scheme – State education board wants to develop the overall academic status in Gujarat. Many studious candidates from the general category cannot pursue their education due to a lack of money. There was no scheme to assist them. But now Gujarat government will offer educational loans to students who belong to general categories as well. If any applicant wants to take admitted to private medical, engineering, nursing, architectural college, or any self-financed technical course, he/she can attain a credit of Rs. 10 lakhs. Students will not have to worry about high repayment as interest will be charged at 4% only. But only those students, who have attained 60% in class 11 and final school-leaving exam, will get this benefit. The overall family income of the families of these applicants must be within Rs. 3 lakhs.
2. Foreign Studies Scheme – The state government will also offer financial assistance, in the form of a loan to meritorious candidates that want to study in other countries. Such applicants need to secure at least 60% in the 12^th standard final examination. Each selected applicant will receive Rs. 15 lakhs from the state government. Interest on this credit will be calculated at 4%. Another eligibility is only those candidates will be able to apply whose yearly family income does not cross Rs. 4.5 lakhs mark.
3. Tuition Assistance Scheme – Gujarat government will also offer money to bright students to meet their tuition needs. It has been announced that all such students that belong to the general category and have passed the 10^th standard, and is pursuing education in the science stream in the 11^th and 12^th will receive Rs. 15,000 each month. Only those students will be able to apply who have attained 70% or more in the final examination of class 10.
4. Monthly Assistance Scheme for Hostel Students – Students belonging to reserved categories get financial assistance from the state and central government for staying in hostels. But there was nothing for general category students. Gujarat government is all set to offer monthly financial aid of Rs. 1200 to all general category students, who stay in private hostels. But the annual income of the applicant’s parents must not be more than Rs. 3 lakhs. This amount will be offered to these candidates for ten consecutive months.

1. Coaching Aid for 12^th Candidates – School students, desirous to enter the engineering or medical profession, have to sit for JEE or NEET examinations. Gujarat government has announced a new scheme that will offer poor general category students of class 12 coaching assistance. Each applicant will receive Rs. 20,000 during an academic year to pay for these examination preparations.
2. Tutoring Aid for Graduation Candidates – Most graduate students try their luck in the government job sector. But a lot of preparation is necessary for succeeding in these competitive examinations. Poor general category students, after passing their graduation will attain Rs. 20,000 from the state government, if they want to take admitted to a competitive examination coaching center.
3. Advocate & Doctor Loans – Advocates and medical practitioners require money to establish an office from where they can practice. All financially weak general category applicants will acquire a credit of Rs. 10 lakhs. This credit can be used to construct a clinic or office.
4. Self-Employment Scheme – All eligible applicants of this state who desire to earn their livelihood, not by depending on any job, but by starting a business venture, will be offered financial assistance from the state authority. Each youngster, with a definite business plan, will acquire Rs. 10 lakh as credit. The state authority will charge interest at only 5%. In case the applicant is female, she will have to pay interest at 4.5% only.

   

About GUEEDC Gujarat to carry on various activities for the overall development of community belonging to unreserved class by way of education, economic development, and their social development in the State of Gujarat (except community belonging to scheduled tribe, scheduled caste, socially and economically backward class, and their dependents and in accordance with the guidelines or schemes prescribed by the Central Government or by the State Government, either individually or in groups, whether directly or through some agency, in collaboration with the Ministries or Departments of the State/Central Government or such other Financial Institutions under relevant programs for economically and financially viable Schemes and Projects

Gujarat govt. has announced 8 new schemes in order to provide financial assistance to people of Unreserved Category. This assistance is for jobs, education, and self-employment opportunities for EWS people. Here we are providing the complete list of 8 Schemes for General Category people. Now all the poor candidates belonging to 58 castes who are not eligible for any kind of reservation quota can take the benefits of these schemes.

Out of the total 8 announced schemes, 7 schemes are only for those people whose annual income is less than Rs. 3 lakh per annum. Around 1.5 crores in the total 6.5 crore population of Gujarat are not eligible for any type of reservation and thus are deprived of employment and education-related benefits.

Gujarat Govt. announces 8 schemes for students and young entrepreneurs from economically backward sections of general category communities who do not get the benefit of reservations. The state currently has 49.5% reservation (7.5% for SC, 15% for ST and 27% for OBCs). In 1992, the honorable Supreme Court has set the maximum limit of all types of reservations at 50%. Here check the complete list of 8 schemes for General (Unreserved Category) people in Gujarat:-

GUEEDC will also provide educational loans up to Rs. 15 lakh at a 4% interest rate to candidates who want to pursue higher studies in foreign countries. For this, candidates must have secured at least 60% marks in the 12th class and the annual family must be less than Rs. 4.5 lakh p.a.

Under this scheme, the state govt. is focusing on the creation of self-employment opportunities. Anyone who wants to start their own business such as grocery trade or transportation can get loans up to Rs. 10 lakh at a 5% interest rate. For women, the interest rate for the same amount is 4% p.a. These self-employment loan schemes include Vahan Loan Sahay Yojana, Nana Vyavasay Mate Loan Yojana, Transport / Logistics / Travel / Food Court Vyaaj Sahaay Scheme.

Medical courses in the state, Dental Self Financed Bachelor's courses for Professional Courses, Engineering, Technology, Pharmacy, Architecture, Ayurvedic, Homeopathy, Physiotherapy, Veterinary courses, Nursing (Bachelor's) courses, etc. For Higher Courses such as BBA, BAC, BA, etc.), the total tuition fee of Rs. 0.00 lakh and it will be given from a 4 percent simple interest loan according to the corporation, which of the two is less.

Eligibility and credit criteria for educational plans

• Must have passed from any school in Gujarat state with 60% or more in standard 12.
• The loan will be eligible for the curriculum which is affiliated with the syllabus of that course.
• The applicant should be from Gujarat and must be non-reserved.
• Proof of admission in the affiliated curriculum will be presented.
• The interest rate of interest will be 4% per annum. Lending will be given per year. Accordingly, the simple interest will be counted.
• The widow and orphan beneficiary will have to give preference to the applicant.
• Loans for non-lecturers who have left the study period or who have not passed the degree will be eligible for reimbursement together and interest subsidy will not be available.
• The annual family income limit for the state's educational plans will be 6.00 lakhs.

Loan repayment:

• In case of a total loan up to Rs.5.00 lakhs, after one year of completion of the study, the loan amount will be paid in the interest of one monthly installment in the 5 (five) years.
• In case of a loan of more than Rs.5.00 lakh, after one year of completion of the study, the loan amount will be filled in the interest of one monthly installment in 6 (six) years with interest.
• The repayment loan will be credited to the first interest.
• The loan can be repaid even before the time taken by the lender.