डॉ. अम्बेडकर केंद्रीय क्षेत्र ब्याज सब्सिडी योजना (ओबीसी/ईबीसी विदेश अध्ययन)
Central interest subsidy scheme providing 100% interest relief during study for OBC/EBC students pursuing higher degrees abroad.
📋पात्रता मानदंड एवं मार्जिन मनी (Eligibility & Margin Rules)
पात्रता की शर्तें
OBC students with total family income up to ₹8.00 Lakh p.a. or Economically Backward Classes (EBC) students with family income up to ₹5.00 Lakh p.a. admitted to accredited overseas Masters, M.Phil, or Doctoral programs.
मार्जिन मनी आवश्यकता
15% standard for overseas education loans.
जमानत / कोलेटरल आवश्यकता (Collateral Requirement)
As per lending bank's overseas education loan policy.
विशेष सरकारी ब्याज सब्सिडी (CSIS / सरकारी लाभ)
100% interest subvention during moratorium period for OBC students (income < ₹8L) and EBC students (income < ₹5L) pursuing overseas Masters/Ph.D.
📂खर्चे एवं आवश्यक दस्तावेज (Expenses Covered & Documents)
कवर किए जाने वाले शैक्षणिक खर्चे
Tuition fees, living expenses, books, study material, overseas health insurance, airfare.
आवेदन हेतु आवश्यक दस्तावेज
OBC Non-Creamy Layer / EBC certificate issued by competent authority, annual income certificate, proof of admission in foreign university, I-20 or visa document, education loan sanction letter from scheduled bank.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Caveats)
Undergraduate overseas courses are NOT eligible; scheme benefit can be availed only once in a lifetime; student cannot combine this with any other government scholarship; borrower must complete the course successfully, failing which the subsidy may be recovered.
🚀आवेदन प्रक्रिया (Official Application Process)
1. Secure admission to an accredited overseas university. 2. Obtain an education loan from an IBA-member scheduled commercial bank. 3. Submit caste and income certificates to the lending branch. 4. Bank uploads claim on Canara Bank nodal portal under Dr. Ambedkar Scheme. 5. Government releases 100% interest subvention directly to the bank account.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What is the family income limit for OBC under Dr. Ambedkar Scheme?
For Other Backward Classes (OBC), the total family income from all sources must not exceed ₹8.00 Lakh per annum (Non-Creamy Layer limit). For EBC, the ceiling is ₹5.00 Lakh per annum.
Can I get subsidy for a Bachelor's degree abroad?
No. The scheme strictly applies to Master's, M.Phil, and Ph.D. level degrees in fields such as engineering, technology, medicine, agriculture, and pure sciences.
Is Dr. Ambedkar Scheme currently active?
Yes. Unlike Padho Pardesh, the Dr. Ambedkar Central Sector Scheme is actively functioning and accepting eligible claims through scheduled commercial banks.