New Akanksha Scheme (Higher Education Loan) (GGDC)
State: Gujarat
Ministry: null
Department: Social Justice and Empowerment Department
Category: Banking,Financial Services and Insurance, Education & Learning
Beneficiary Type: Individual

This scheme provides educational loans of up to ₹15.00 lakh to students belonging to the Rabari and Bharwad castes from socially and educationally backward classes for pursuing higher professional courses such as medical, dental, engineering, pharmacy, etc.

Benefits:
**Educational Loan Details:**
**1. Loan Amount:** 

- Up to ₹15,00,000/-

**2. Interest Rate:** 

- 3.5% for female students 
- 4% for male students

**3. Contribution:** 

- 95% contribution from the Corporation/State Government,
- 5% from the beneficiary

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Eligibility:
1. The applicant should be a resident of Gujarat.
1. The applicant should be pursuing higher professional education such as Medical, Dental, Engineering, Pharmacy, or related course.
1. The applicant should have secured admission in an institution approved by AICTE, UGC, or any recognized university.
1. The applicant should belong to the Rabari or Bharwad caste from the socially and educationally backward class.
1. The total annual income of the applicant’s family should not exceed ₹3,00,000/-.
1. The applicant’s age should be between 17 and 45 years.

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Application Process:
[Online]
Step 1: Register on the Official Portal
Go to the Official Website Gujarat Gopalak Vikas Nigam.
Scroll down on the homepage, find the "New Aspiration Higher Education Scheme" and click on "Apply Now".
You will be directed to the application form.
Step 2: Access and Fill Out the Application Form
Complete all sections under "Applicant information," including personal identifiers (Aadhaar No., Ration No., Voter ID), full name, father/husband's name, gender, complete address details, contact numbers, and income details (Applicant's income statement number, Date of receipt of income, Name of the officer issuing the income tax return, Total annual family income). Also provide Date of Birth, Age, Caste, and Subspecies. Also, if you are disabled and provide a percentage.
For each applicable qualification (SSC, HSC, Diploma, Degree, Graduation), tick the checkbox and fill in the Degree, Board/University Name, Academic year, and Percentage obtained.
Fill in details about the college/institution admitted to, university affiliation, course name, enrollment number, organisation address, website, course duration (in years and semester), and date of admission.
Specify who accredited the course/institution, their name, and address. Proof of accreditation must be submitted.
Select "Yes" or "No" for "Have you obtained admission through government-mandated admission?".
If staying in a hostel, provide the Hostel name, Hostel address, and Hostel contact number.
Fill in the requested loan amounts for Admission Fee, Tuition Fee, Examination Fee, Hostel Fee, Estimated cost of books/stationery, and Other fees.
List details of any physical assets owned (land, house, government property, NCC, LIC, KVP, etc.).
Indicate if anyone in the family works in a government/private sector job. If "Yes," provide Name, Designation, Place, and Salary details.
Fill in the Bank Account Number, select the Bank Name from the dropdown, provide the Branch Name, Name as per Account, select Bank Account Type (Saving/Current), and enter the MICR Code and IFSC Code.
Step 3: Review and Final Submission
Carefully review each module. Use the preview option to examine the application before final submission. Fill out the provided "CAPTCHA" and Click on “Submit”.
Track and Review Status
The applicant will receive an Application ID/Reference Number. Save or print the acknowledgement for future tracking.
Go to the Official Website Gujarat Gopalak Vikas Nigam.
Scroll down and locate the Know App Status. Click on "Know App Status".
Select the Scheme name, Enter App No., and Birth Date. Fill out the Captcha and click on Submit.

Documents Required:
Aadhaar Number
Ration Number
Voter ID (Voter Identification Number)
Income Certificate
Educational Qualification Certificates (SSC, HSC, Diploma, Degree, Graduation)
University Information
Accreditation Proof (from the authority that accredited the course/institution)
Hostel Details (if applicable)
Admission Fee Details (for the entire course)
Tuition Fee Details
Examination Fee Details
Hostel Fee Details (Boarding and Food Expenses for the entire course)
Estimated Cost of Books, Stationery and Other Materials required for the course
Other Fees Details
Bank Account Details