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1. What is the
objective of the Program?
Answer:- The objective of this program is to
extend relief to those permanent residents of the State, who have taken
education loans or are in the process of taking education loans for their
children to pursue their dreams of getting higher education. This shall also
promote many young and bright students who are unable to pursue their higher
education due to financial constraints to take education loans in future.
2. . What is the
Abhinandan Education Loan subsidy (AELS) scheme?
Ans:- Abhinandan Education Loan subsidy
scheme is program by government of Assam to provide Rs. 50,000/- to
all loanees who have availed education loans sanctioned till 31st March,
2019. Further all education loans sanctioned during 2019-2020 shall also be
eligible for this subsidy.
3. Who are eligible to
avail benefits from this scheme?
Ans:-
·
The
scheme will cover all students who are permanent residents of Assam, studying
in the state or outside, and have availed education loan from any commercial
bank or Regional Rural Bank.
·
There
shall be no income criteria.
·
Have
not availed any benefit from Bidya Lakshmi Scheme.
·
The
minimum education loan amount sanctioned to avail the benefits under the
scheme shall be Rs. 1 lakhs.
·
Any
account, which has not been classified as Non-Performing Asset(NPA) i.e.
defaulting by the bank under Reserve Bank of India norms, will be eligible
under the scheme.
4. Education loans
availed during which time period duration is applicable for this scheme?
Ans:- Education loans that have been
sanctioned till 31st March 2019 are eligible to apply for this scheme.
Further, any loan that shall be sanctioned during current financial year i.e.
2019-20 shall also be eligible to avail this scheme.
5. Are personal loans
taken to pursue education shall be subsidized under this scheme?
Ans:- No, only education loans shall be
subsidized under this scheme.
6. Is the Finance
Department of Government of Assam providing education loans?
Ans:- No, Finance Department of
Government of Assam is only providing subsidy for education loans
sanctioned by the banks.
7. Where and how can I
apply?
Ans:- Applicant has to visit the website
‘https://finance.assam.gov.in’; Click on the Loan Subsidy link and by filling
the online application form along with uploading the necessary documents.
8. What should the
applicant do after the submission of the application?
Ans:- After successful submission of
application, the application should take a print of the application form and
keep it safely for future reference.
9. What details shall
be required to be filled in the online form?
Ans:- In the online form the applicant shall
be required to provided information about her/his father’s name guardian’s
name, contact information, Pan Card and details about loan & the IFSC
code of the branch from which it is availed.
10. What is the
document required to be uploaded?
Ans: Applicant has to upload documents as
proof of address, copy of pan card and proof of education loan availed.
11. What are the
proofs shall be valid for address proof?
Ans:- Any one of the following documents shall
act as proof of address
- PRC
Certificate
- Ration
Card
- Aadhaar
Card,
- Driving
License,
- Voter
Card,
- Passport
12. What proofs shall
be valid as loan proof?
Ans:- Any one of the following documents shall
act as proof of identity
- Loan
Sanction Letter
- Loan
Account Passbook Page showing details of the loan
- Loan
Account Statement
These documents can be obtained from the branch of the bank from
which the loan has been availed.
13. Where can I obtain
the documents for loan proof?
Ans:- These documents can be obtained from the
branch of bank from which the loan has been availed.
14. What should be the
type and size of the documents to be uploaded?
Ans:- The application should upload a document
in JPG/JPEG/PNG/PDF version only. The size of each of document should be less
than 2 MB.
15. Where can I know
the status of my application?
Ans:- Applicant can track their status of
application using registered mobile number and application number/loan
account number.
16. Where can I lodge
my grievance?
Ans:- Branch Manager of the branch from where
the loan has been sanctioned shall be Grievance Redressal Officer. An
applicant has to formally submit a letter addressed to the Branch Manager.
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