Read Pardesh Scheme | Padho Pardesh Yojana 2022 in hindi – Deepawali

Padho Pardesh scheme 2022 Padho Pardesh scheme (yojana) eligibility, how to apply, FAQ in hindi

Often, due to high interest of education loan, poor, backward class and minority students are not able to get financial support to pursue higher level studies. The Central Government has started the Padho Pardesh scheme to make poor students realize their dreams by studying. Under the scheme, the government has announced to give subsidy on loan to the children studying for higher level of education. With the help of this scheme, the government will fulfill the needs of many needy people. The special things related to this scheme are being described here.

read abroad launch of the scheme ,launch date of padho pardesh scheme)

The scheme was launched by Mukhtar Abbas Naqvi during the 2013- 2014 financial year. In the immediate time, he was holding the post of minister in the cabinet of the central ministry. This scheme will be run by the Ministry of Minor Affairs of the government.

Features of Padho Pardesh Scheme, (Pado pradesh yojana key features)

The main features of this scheme run for poor students are being described below.

  • Development of Education of Minorities and Backward ClassesThe main objective of this scheme is to provide financial help to the students of minority and backward classes for education. Under this, loans will be given to them for studies, on which they will also get subsidy.
  • 100% subsidy on interestIn the immediate time, the education loan given by the bank has a very high interest rate, due to which many people do not take the loan. Under this scheme, the government will give a subsidy of up to 100% on the rate of loan to the students.
  • Course Duration CoverAccording to the scheme, the beneficiary will get a rebate on the loan till the completion of the course he is pursuing. In this way students will be able to concentrate their entire attention on studies.
  • Applicable for Partial Course: There are many such courses, which are taught economically in educational institutions. That is, some part of the course is taught in India and the rest part abroad. Students studying such courses will get subsidy on interest till they get a degree from a foreign university.
  • Number of Beneficiaries: Till the immediate time, about 1,500 students have taken advantage of it. In future, more and more students will be able to get the opportunity to take advantage of this scheme easily.

Eligibility Criteria for the scheme:

The government has fixed some special qualifications for this scheme, which are being told below.

  • The applicant of this scheme must belong to the minority category. Under this scheme, people of caste or religion like Christian, Muslim, Sikh, Jain, Buddhist and Parsi can take advantage.
  • The applicant will be able to get this subsidized loan only if he is pursuing education from a recognized educational institution. If the applicant is pursuing education from abroad, then the institution must be recognized.
  • The applicant must be a student of any one higher education. For example, it is mandatory for the applicant to be a student of MPhil, PhD, MBA etc., then only you will get the benefit.
  • The government has fixed the annual income limit for the beneficiaries under this scheme, so that the students with outside income will not get the benefit. Under this scheme, the government has planned to benefit those people whose family income is 6 lakhs or less.
  • Under this scheme only those students will be able to get benefits, whose education loan be less than 20 lakhs. So this is a major limitation of this scheme. With which the applicant student can get education in any corner of the world.
  • Under this scheme, the government will give the benefit of the scheme to only those people who are formally Indian citizens. Therefore, it is also mandatory for the beneficiary of the scheme to be an Indian citizen.

Terms of loan under the scheme ,rules to get education loan)

  • loan amountUnder this scheme, any minority category student can get a maximum loan of up to Rs 20 lakh from any Indian bank, so that he can meet the necessary expenses of his studies.
  • Rate of interest: Students will not have to pay any interest on the amount taken under this scheme during the time period till the completion of the course. In addition, students will get an additional 1 year and 6 months, during which they will need to find a job. Once this period is over, the applicant will be required to repay the full interest and principal amount of the loan.
  • Payment of amount: The applicant is required to pay the amount after the completion of his course. However, the student taking the loan can also deposit this amount in easy installments.
  • Payment Method: The amount received under this scheme will be received by the applicant in his bank account. students for net banking Or you can get the loan amount using cheque. The procedure for payment of loan and loan interest will be the same.
  • Loan Timings: Under this scheme, the government will give one and a half year time to the beneficiary after getting the job, under which he can repay his loan.

subsidy rules: (Ssubsidy on education loan)

Under this scheme, the government will give 100% loan to the applicant, who is fully eligible for the scheme. This subsidy will be applicable for the entire period of study.

Documents required for the scheme, (Documents required for padho pardesh scheme)

It is mandatory for the applicant to have a loan application. Applicants can get this application from various government under banks. This application must be well filled.

  • Aadhar card with the applicant is mandatory to have. The government will use it to get information about the name, address, age etc. of the applicant. The applicant is required to provide bank account details along with his/her application. Therefore, it is mandatory for the applicant to have a bank account in any bank.
  • It is also mandatory for the applicant to have the course taken by him and the admit card in the university. Therefore, it is necessary for the applicant to have the documents received from his university.
  • It is mandatory for the applicant to have the income certificate of his family. This certificate will be required to understand the measurement penalty of income fixed by the government.
  • It is mandatory for the applicant to have a minority certificate. This certificate must be recognized by the Development of Minority Community of the Government.

Banks under the scheme (list of banks in padho pardesh scheme)

Under this scheme, the government has included all those banks which are under the government. Apart from this, co-operative banks, private banks, various public sector banks, etc., which come under the Indian Banks Association (IBA), are working for this scheme.

How to apply for the scheme (How to apply for padho pardesh scheme in Hindi)

  • To get the application, the applicant has to get all the documents related to his admission by going to any bank recognized by the IBA Banking Law Committee and get the application.
  • Education credit document will be given to the applicant from the bank. It is mandatory to fill it very carefully with correct information. Once the loan documents are completely filled, the applicant needs to attach all the necessary documents with it.
  • Once all the work is done by the bank, the applicant’s application will be taken to the ‘Ministry of Welfare’. After that the final decision will be taken whether the applicant is eligible for this scheme or not.

plan budget,budget of padho pardesh scheme)

To start this scheme, the government had fixed a total budget of Rs 7.5 crore. However, after the increase in the number of applicants, the budget will be prepared by the government, so that more number of students can take advantage of this scheme. In this way, this scheme of the Government of India is very important for those students who want to improve their life by studying.

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