Overview
Government loan for vocational training: Kya aapka sapna hai fashion designing, hospitality management, computer programming ya automobile repair jaisi koi skill seekhna, lekin course ki fees ke wajah se ruk gaye ho? Aap akela nahi ho. India ke hazaron students vocational education aur training (VET) karna chahte hain, par unke liye paise sabse bada challenge ban jaata hai.
Is problem ka solution hai Vocational Education and Training Loan Scheme, jo government ne start kiya hai. Ye scheme students ko affordable loan deti hai taaki wo skill-based courses kar sake – chahe India mein ho ya abroad.
Is blog mein aap jaanoge:
- VET Loan Scheme kya hai
- Kaunse courses covered hote hain
- Step-by-step kaise apply karein
- Repayment process kaisa hai
- Common doubts aur FAQs
Is article ke baad aapko clear idea aur confidence milega ki loan apply kaise karna hai.
Section 1: Vocational Education and Training Loan Scheme Kya Hai?
Ye ek financial support program hai jo Indian Banks’ Association (IBA) ne Government ke saath milke design kiya hai.
Main Objective:
Students ko unke skill development aur vocational training courses ke liye financial help provide karna.
Key Features:
- Short-term (2 months–1 year) aur long-term (1–3 years) dono courses cover hote hain.
- Loan amount: ₹20,000 se ₹1.5 lakh tak.
- Available at almost all nationalized aur private banks.
- Interest rate affordable hota hai, aur girls aur weaker sections ko extra benefit milta hai.
👉 Matlab, ab paise ki wajah se career stop nahi hoga.
Section 2: Benefits of Government loan for vocational training
Is scheme ki sabse badi highlight hai iska wide coverage.
Popular Courses Covered:
- IT & Computers: Web development, programming, data analytics
- Hospitality & Tourism: Hotel management, travel, culinary arts
- Healthcare: Nursing assistant, lab technician, paramedics
- Creative Fields: Fashion designing, animation, interior designing
- Technical Skills: Automobile repair, electrician, plumbing
- Agriculture Fields: Food processing, dairy technology, fisheries
👉 Matlab agar aapko job-oriented skill seekhna hai, toh ye scheme perfect hai.
Section 3: Eligibility Criteria for Government loan for vocational training
Kaun Apply Kar Sakta Hai?
- Students jinhone Class 8 ya usse upar complete kiya ho.
- Age: 16 se 35 years.
- Aapko recognized institution (NSDC, State Govt., AICTE, etc.) mein admission lena zaruri hai.
- Indian citizens ke saath kuch cases mein abroad courses ke liye bhi loan milta hai.
👉 Example: Ek 12th-pass student jo 6-month ka computer hardware course karna chahta hai, wo loan apply kar sakta hai.
Section 4: Loan Amount & Repayment Terms
Loan Amount:
- 3 months tak ke course ke liye: ₹50,000 tak
- 1 year+ ke course ke liye: ₹1.5 lakh tak
Security/Guarantee:
- Collateral/guarantor ki zarurat nahi hai upto ₹1.5 lakh tak.
- Parents/guardian co-borrower honge.
Repayment:
- Moratorium period = course duration + 1 year.
- Repayment 3–7 saal mein easy EMIs ke through.
Special Benefits:
- Girls students ke liye 0.5%–1% interest concession.
- Weaker section students ke liye subsidy available.
👉 Example: Agar aap ₹1,00,000 ka loan lete ho 1-year hospitality course ke liye, toh repayment shuru karne se pehle aapko 2 saal ka break milega (1 saal course + 1 saal moratorium). Uske baad easy EMI mein repay kar sakte ho.
Also Read: Higher Education ke Sapne Ab Paise ki Kami Se Nahi Rukenge
Section 5: How to apply for Government loan for vocational training step by step
- Course & Institute Select karo
- Institute recognized hona chahiye (NSDC, AICTE, State Govt., etc.).
- Bank Visit karo
- SBI, PNB, Canara Bank jaise public banks ya private banks approach karo.
- Application Form fill karo
- Course details, personal info aur income proof (agar required ho).
- Documents submit karo
- Admission letter, fee structure, ID proof, address proof, academic certificates.
- Loan sanction & disbursement
- Bank directly institute ko fees pay karega.
👉 Tip: Admission letter milte hi turant apply karna best hai.
Section 6: Common Problems & Solutions
Problem 1: Repayment start nahi kar paaya time par.
✔ Bank se baat karo – wo repayment restructure kar dete hain.
Problem 2: Mera course NSDC listed nahi hai.
✔ State-approved ya reputed private institutes bhi cover hote hain.
Problem 3: Main abroad mein course karna chahta hoon.
✔ Kuch banks abroad vocational courses ke liye bhi loan dete hain, bas conditions alag ho sakti hain.
Section 7: FAQs
Q1: Government loan for vocational training ke liye kon kon se bank loan dete hain?
👉 SBI, PNB, Canara Bank, Bank of Baroda aur kai private banks.
Q2: Kya subsidy milti hai?
👉 Haan, economically weaker sections ke liye interest subsidy milti hai.
Q3: Kya guarantor chahiye?
👉 Nahi, upto ₹1.5 lakh koi third-party guarantor nahi chahiye. Parents co-borrower hote hain.
Q4: Fast job ke liye kaunse courses best hain?
👉 Nursing, hotel management, computer programming, and electrician training.
Conclusion
Vocational Education and Training Loan Scheme ek golden chance hai unke liye jo career banana chahte hain par fees afford nahi kar pa rahe.
Simple eligibility, zero collateral aur flexible repayment ke saath, ye scheme youth ke liye ek perfect solution hai.
👉 Agar aap vocational course join karne wale ho, toh aaj hi apne nearest bank jaake details check karo aur apply karo.
💬 Comment mein batao: Aap kaunsa vocational course pursue karna chahte ho?
