പഠോ പർദേശ് പദ്ധതി पढ़ो परदेश योजना

പഠോ പർദേശ് പദ്ധതി, The Padho Pardesh scheme पढ़ो परदेश योजना 

 Scheme of Interest Subsidy on Educational Loans for Overseas Studies

മാസ്റ്റേഴ്‌സ്, എംഫിൽ അല്ലെങ്കിൽ പിഎച്ച്ഡി എന്നിവ പഠിക്കുന്ന ന്യൂനപക്ഷ വിദ്യാർത്ഥികൾക്ക് പലിശ സബ്‌സിഡി നൽകുന്ന ഒരു കേന്ദ്ര ഗവൺമെൻ്റ് പദ്ധതിയാണ് പധോ പർദേശ് പദ്ധതി. വിദേശത്ത് ബിരുദങ്ങൾ. വിജ്ഞാപനം ചെയ്യപ്പെട്ട ന്യൂനപക്ഷ സമുദായങ്ങളിലെ സാമ്പത്തികമായി പിന്നാക്കം നിൽക്കുന്ന വിഭാഗങ്ങളിലെ മികവുറ്റ വിദ്യാർത്ഥികൾക്ക് വിദേശത്ത് ഉന്നതവിദ്യാഭ്യാസത്തിന് മികച്ച അവസരങ്ങൾ പ്രദാനം ചെയ്യുന്നതിനും അവരുടെ തൊഴിലവസരങ്ങൾ വർധിപ്പിക്കുന്നതിനും പലിശ സബ്‌സിഡി നൽകുക എന്നതാണ് പദ്ധതിയുടെ ലക്ഷ്യം.
പലിശ സബ്‌സിഡി ഗ്രാൻ്റിനായി (മാസ്റ്റേഴ്‌സ്, എം.ഫിൽ, പിഎച്ച്.ഡി എന്നിവയ്ക്ക് മാത്രം) ഏറ്റെടുക്കാവുന്ന വിഷയങ്ങൾ/വിഷയങ്ങൾ ചുവടെ പട്ടികപ്പെടുത്തിയിരിക്കുന്നു

The Padho Pardesh scheme is a central government program that provides interest subsidies to minority students who are pursuing master's, M.Phil, or Ph.D. degrees abroad. The objective of the scheme is to award interest subsidy to meritorious students belonging to economically weaker sections of notified minority communities so as to provide them better opportunities for higher education abroad and enhance their employability.

The subjects/ disciplines in which courses (for Masters, M.Phil and Ph.D only) may be undertaken for the grant of interest subsidy are listed below:-

1. Arts/ Humanities/ Social Sciences
2. Commerce
3. Pure Sciences
4. Engineering
5. Bio- technology/ Genetic Engineering
6. Industrial Environmental Engineering
7. Nano- technology
8. Marine Engineering
9. Petro-chemical Engineering
10. Plastic Technology
11. Cryogenic Engineering
12. Mechatronics
13. Automation Robotics including artificial intelligence
14. Laser Technology
15. Low Temperature Thermal Dynamics
16. Optometry
17. Art Restoration Technology
18. Dock and Harbour Engineering
19. Imaging System Technology
20. Composite Materials Engineering including Decentralized power Distribution (for Solar Heat) system, Energy Storage Engineering, Energy conservation, Energy Efficient Habitat
21. Packaging Engineering/ Technology
22. Nuclear Engineering
23. Information Technology including Computer Engineering, Software, Software Quality assurance, Networking/ Connectivity Engineering, Communication system under Hazardous or Post-disaster conditions, Multi- media Communication
24. Industrial Safety Engineering
25. Agriculture & Agro Technology
26. Agronomy
27. Medical
28. Floriculture & Landscaping
29. Food Sciences & Technology
30. Forestry & Natural Resources
31. Horticulture
32. Plant Pathology
33. Energy Studies
34. Farm Power & Machinery
35. Veterinary Sciences
36. Soils & Water Management
37. Plant Breeding & Genetics
38. Small- scale Rural Technology
39. Ocean & Atmospheric Sciences
40. M.B.A

Benefits

1. Financial assistance: The scheme provides an interest subsidy on education loans, which can help to reduce the cost of overseas education for minority students.
2. Increased access to education: The scheme makes overseas education more accessible to minority students from all backgrounds, regardless of their financial situation.
3. Improved employability: Studying abroad can give students a competitive edge in the job market, and the Padho Pardesh scheme can help minority students to achieve their career goals.
4. Personal and professional development: Studying abroad can be a transformative experience, and the Padho Pardesh scheme can help minority students to develop their skills and knowledge in a global

Eligibility

1. Students must have been admitted to an approved master's, M.Phil, or Ph.D. program abroad.
2. Students must have been admitted to a recognized university or institution abroad.
3. Student's family income must not exceed ₹ 6,00,000 per annum.
4. Students must have obtained an education loan from a scheduled bank under the Indian Banks Association (IBA) Education Loan Scheme.
5. Students must apply for the scheme's benefits during their first year of study. Applications received in the second year or later will not be accepted.
6. Priority will be given to applications from states and union territories with lower bank interest rates.
7. Payment of financial benefits may be linked to the student's Aadhaar number.

Application Process

Online

1. Open the official website.
3. https://www.minorityaffairs.gov.in/show_content.php?lang=1&level=1&ls_id=739&lid=62
5. Click on the "Apply Now" option.
6. Fill the required details
   1. ISD Code,
   2. Mobile number
   3. Email ID.
7. Submit the details.

Documents Required

1. Application form.
2. Admission letter.
4. Income certificate.
5. Education loan application.
6. Aadhaar card.
8. Is Interest Subsidy guaranteed for all eligible applicants?

No, interest subsidy is not guaranteed for all eligible applicants. However, it would be Ministry’s endeavor to provide interest subsidy to all eligible applicants to the extent possible. As per provision of scheme, total number of students to be selected in a year is 400.

As per Model Scheme of IBA, the maximum loan for study abroad is Rs.20 lakhs. Whether interest subsidy is admissible for loan amount disbursed above Rs.20.00 lakh?

Income Certificate issued by Competent Authority obtained at the time of availing loan, will be sufficient

When can a student apply for the scheme benefits?

Students must apply for the scheme's benefits during their first year of study. Applications received in the second year or later will not be accepted.