Interest-Free Educational Loans: How to Apply for CSIS & CGFSEL Schemes

Welcome to She News! 🌟 In this video, we explore two incredible government schemes designed to support students in pursuing higher education: the Central Sector Interest Subsidy Scheme (CSIS) and the Credit Guarantee Fund Scheme for Education Loans (CGFSEL). These schemes provide interest-free educational loans and credit guarantees, making higher education more accessible for economically weaker students in India.
What is the Central Sector Interest Subsidy Scheme (CSIS)?
The CSIS offers an interest-free loan during the moratorium period - the course duration plus one year - to students whose annual parental income is up to Rs. 4.5 lakh. The government pays the interest on loans taken from Scheduled Banks under this scheme. This subsidy applies to students enrolled in higher education at NAAC-accredited institutions or professional/technical programs accredited by the NBA.
What is the Credit Guarantee Fund Scheme for Education Loans (CGFSEL)?
The CGFSEL provides a government-backed credit guarantee for education loans up to Rs. 7.5 lakh, without the need for collateral or a third-party guarantee. The scheme offers a 75% guarantee cover on the defaulted amount, making it easier for students to access loans.
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