Dr. P. G. Solanki Scheme for Loan/Assistance to Medical Post Graduate Doctors of Scheduled Caste

Description
The scheme “Dr. P. G. Solanki Scheme for Loan/Assistance to Medical Post Graduate Doctors of Scheduled Caste” was launched by the Director Scheduled Caste Welfare, Department of Social Justice & Empowerment, Government of Gujarat. The scheme was launched in the year 1982. Under the scheme, loans/financial assistance is given to the Scheduled Caste Medical Post Graduate M.D/M.S Doctors to start their independent profession/clinic consultation room, etc.

Benefits
• **Loan/Assistance details under the scheme:**
• Subsidy/assistance of ₹50,000/-.
• Loan up to ₹3,00,000/- at an interest rate of 4%.

Eligibility Criteria
1. The applicant should be a Medical Post Graduate (M.D/M.S) Doctor.
2. The applicant should belong to the Scheduled Caste category.
3. The benefit of this scheme will be given only to natives of Gujarat state.
4. There is no income limit.
5. The applicant availing the benefit of this scheme will not be eligible to avail the benefit of any similar scheme of the Government.
6. Scheduled Caste students with Graduate Medical (MBBS, B.S.A.M., B.A.M.S. and B.D.S. (Dental) degrees) benefited under the loan/assistance for starting an independent profession. If so, such scheduled caste post graduate doctors will not "entitle" any loan/assistance under this scheme.
7. **Note 01:** Loan assistance for margin money from the government will have to be used only for the purpose for which it is given. If found to be used for any other purpose, the amount given as loan assistance will be collected with penal interest from the date of repayment and will also be collected as revenue if required.
8. **Note 02:** The sanctioned loan will be recovered over a period of four years in equal monthly instalments after the completion of the instalment including interest on the loan taken by the applicant from the bank or other financial institution or after eight years, whichever is earlier.
9. **Note 03:** The applicant will be free to repay the outstanding amount earlier than the stipulated time.
10. **Note 04:** If the applicant fails to repay the sanctioned loan within the stipulated time, a penal interest at the rate of 2.50% will be charged along with the instalments.

Application Process
Step 1: User Manual
Online

User Manual

Required Documents
• Passport Size Photograph
• Aadhaar Card of the applicant
• Caste certificate
• Election Identity Card
• Proof of Residence (Any one of Electricity Bill/License/Rent Agreement/Electoral Card/Ration Card)
• Copy of registration
• Certificate of Medical Post Graduate Degree
• Proof of age of applicant/School leaving certificate (if any)
• Copy of first page of bank passbook/cancelled cheque (in the name of the applicant)
• Guarantee letter of property
• Specimen of security bond
• Eligibility for loan repayment
• Agreement
• Affidavit
• Property of Guarantor-1
• Property of Guarantor-2
• Any other documents as required

Frequently Asked Questions
Q: Who are the beneficiaries of this scheme?
A: The scheme provides loans/financial assistance to Scheduled Caste Medical Post Graduate (M.D/M.S) Doctors to establish their independent profession/clinic consultation room, etc.

Q: What financial benefits are provided under this scheme?
A: Beneficiaries receive a subsidy/assistance of [?]50,000/- and a loan of up to [?]3,00,000/- at an interest rate of 4%.

Q: What are the eligibility criteria for applicants?
A: Applicants must be Medical Post Graduate (M.D/M.S) Doctors belonging to the Scheduled Caste category and natives of Gujarat state. There is no income limit.

Q: Can applicants avail benefits from other similar government schemes simultaneously?
A: No, applicants availing benefits under this scheme cannot avail benefits from any other similar government scheme.

Q: Are there any restrictions for Scheduled Caste students with graduate medical degrees (MBBS, B.S.A.M., B.A.M.S., and B.D.S.) who have previously benefited from loan/assistance schemes?
A: Yes, Scheduled Caste post-graduate doctors in this category are not entitled to any loan/assistance under this scheme.

Q: How is the loan assistance for margin money meant to be utilized?
A: It must be used only for the purpose for which it is given. Any misuse will result in the recovery of the amount with penal interest.

Q: How long is the repayment period for the sanctioned loan?
A: The sanctioned loan will be recovered over a period of four years in equal monthly installments after the completion of the installment, including interest on the loan taken by the applicant from the bank or other financial institution, or after eight years, whichever is earlier.

Q: Can the applicant repay the outstanding amount earlier than the stipulated time?
A: Yes, the applicant is free to repay the outstanding amount earlier than the stipulated time.

Q: What happens if the applicant fails to repay the sanctioned loan within the stipulated time?
A: A penal interest at the rate of 2.50% will be charged along with the installments if the applicant fails to repay the sanctioned loan within the stipulated time.

Q: How to apply under the scheme?
A: Eligible applicants can apply through the e-Samaj Kalyan Portal: https://esamajkalyan.gujarat.gov.in/