Gujarat Government Education Loan Schemes 2026: GUEEDC Loan List and Subsidy Details

Gujarat Government Education Loan Schemes 2026: Gujarat Unreserved Educational & Economical Development Corporation (GUEEDC) runs 8 loan and support schemes for students and job seekers from the unreserved (general) category. Total outlay of these schemes is ₹600 crore, and most of them are for families with an annual income below ₹6 lakh.

One big change this year is in the foreign study loan. Family income limit for that scheme has been raised from ₹6 lakh to ₹10 lakh, and the new rule applies from 18 August 2026. Loans for study in India are given at 4% simple interest, which is much lower than the usual bank rate. Scheme wise details are given below.

List of Gujarat Government Education Loan Schemes 2026 for General Category

Each scheme has its own income limit, marks requirement and loan amount. Some schemes give loans, while others give monthly or yearly support for food, tuition and coaching. The full list is given below.

1. Education Loan Scheme: Unreserved category students can get a loan of up to ₹10 lakh, or the total tuition fee of the course, whichever is lower. Interest is 4% simple interest. The loan covers self-financed graduate courses in medical, dental, engineering, technology, pharmacy, architecture, ayurvedic, homeopathy, physiotherapy, veterinary and nursing. Medical PG and PG courses at institutes like IIM, IIT, NID, NIFT, IRMA and TISS are also covered. Students need 60% or more marks in class 12 from a Gujarat school, and family annual income should be ₹6 lakh or less. Widow and orphan applicants get priority.
2. Foreign Study Loan Scheme: GUEEDC gives up to ₹15 lakh at 4% simple interest for higher studies abroad. This covers MBBS after class 12, degree after diploma, PG after graduation, research and other technical or professional courses. Students need 60% or more in class 12, and family annual income should now be ₹10 lakh or less. The earlier limit was ₹6 lakh.
3. Tuition Help Scheme: Students who scored 70% or more in class 10 and are studying science stream in class 11 and 12 get ₹15,000 every year for tuition taken outside school or college. Only one support is given in a year, and family annual income should be ₹4.5 lakh or less.
4. Food Bill Scheme: Unreserved category students who stay in a private hostel away from family get ₹1,500 per month for 10 months. This is for graduate level medical, dental, technical and paramedical courses, where the student's own taluka has no such study facility. Girls studying in class 9 to 12 and staying in a girls hostel run by a society, trust or institution also get this support. Family annual income should be ₹4.5 lakh or less.
5. Coaching Help Scheme for JEE, GUJCET and NEET: Class 11 and 12 science students who scored 70% or more in class 10 get ₹20,000 per year, or the actual coaching fee, whichever is lower. Money is paid straight into the bank account through DBT. Coaching must be taken from an institute with three years or more experience. Family annual income should be ₹4.5 lakh or less.
6. Training Scheme for Competitive Exams: Graduates preparing for UPSC, GPSC class 1, 2 and 3, secondary service selection board, panchayat service selection board, railway and bank recruitment exams get ₹20,000 per trainee, or the actual fee, whichever is lower. Training must be taken from a recognised institute.
7. Self Employment Loan Scheme: Unreserved category applicants aged 18 to 50 years can get a loan of up to ₹10 lakh, or the actual project cost, whichever is lower. This covers vehicles like rickshaw, loading rickshaw, Maruti Eeco and jeep taxi, and businesses like grocery shop, medical store, readymade garment store and bookstore. Interest is 5% simple interest, and 4% for women. Family annual income should be ₹6 lakh or less. A 5% interest subsidy is also given on bank loans for transport, logistics, travellers and food court business.
8. Interest Help Scheme for Graduate Doctor, Lawyer and Technical Graduate: Doctors, lawyers and technical graduates who want to open their own clinic, laboratory, radiology clinic or office can get 5% interest subsidy on a bank loan of up to ₹10 lakh. Registration required for the profession is a must. Applicants should be Gujarat residents, aged 18 to 50 years, with family annual income of ₹6 lakh or less.

Loan repayment starts one year after the course ends. Loans up to ₹5 lakh are repaid in 5 years, and loans above ₹5 lakh in 6 years, in equal monthly installments. For secured loans, property worth one and a half times the loan amount is mortgaged, and five post dated cheques are given to the corporation.

Gujarat Government Education Loan Schemes 2026: Main Details

Detail	Information
List Name	Gujarat Government Education Loan Schemes (GUEEDC)
Department	Social Justice and Empowerment Department, Gujarat
Total Schemes	8
Interest Rate	4% simple interest for education loans, 5% for self employment loans
Maximum Loan Amount	₹15 lakh for study abroad, ₹10 lakh for study in India
Family Income Limit	₹6 lakh for most schemes, ₹10 lakh for foreign study loan
Apply Mode	Online through GUEEDC application portal
Official Website	gueedc.gujarat.gov.in

How to Apply for Gujarat Government Education Loan Schemes

Scheme rules and loan amounts are listed on the GUEEDC website, and the application form is filled on the GUEEDC online application portal. Steps for both are given below.

STEP 1 - Visit the official website at gueedc.gujarat.gov.in and open the page of the scheme you want to apply for. Each scheme page has the full rules, loan amount and required documents.

STEP 2 - Go to the online application portal at gueedconline.gujarat.gov.in and click on the "New user (Register)?" link. Create an account with your email ID, mobile number and password, then submit it.

STEP 3 - Login with your username and password. If you already have an account, use the same login. Use the "Forgot Password?" option in case you do not remember the password.

STEP 4 - Fill all the required details in the application form and upload your photo, signature and documents in PDF, JPG, JPEG or PNG format. Keep the marksheet, income certificate, admission proof and bank details ready before starting.

STEP 5 - Submit the application and note down the application number. You can track the status from the same portal. District Implementing Officer of your district can be contacted for any problem in the application.

Education Loan Interest Subsidy Scheme Gujarat

Apart from GUEEDC loans, the state also gives interest subsidy on education loans taken from banks during the moratorium period, which is the study period plus one year. Students who passed class 12 with 60% or more marks and whose family annual income is below ₹6 lakh can apply. Subsidy is given on loans taken from scheduled banks on or after 04/07/2017 for study in India or abroad.

Booklet for the Interest Subsidy Scheme on Education Loan can be downloaded from the link below.

Interest Subsidy Scheme Booklet

Who Can Apply for Gujarat Education Loan Subsidy Scheme

Basic eligibility conditions for the interest subsidy scheme are given below.

• Student must have passed class 12 with 60% or more marks.
• Family annual income must be below ₹6 lakh.
• Applicant must be a resident of Gujarat.
• Higher secondary exam should be completed from Gujarat Board or Central Board (CBSE).
• Education loan should be taken from a scheduled bank on or after 04/07/2017 for study in India or abroad.

GUEEDC Helpline

For any help with the application, you can call the GUEEDC office helpline. Numbers are 079-23258688 and 079-23258684. The helpline works from 10:30 AM to 2:00 PM and 3:00 PM to 6:00 PM on government working days.

Also Read: Government Education Schemes Gujarat