The population of Jains in our country is less than 0.4% yet they stand ahead in contributing the most to the Indian economy. Jains were given the status of a “minority religion” by the Government of India, as per Section 2(c) of the National Commission for Minorities (NCM) Act (NCM), 1992. The Jain community is one of India’s most prosperous groups. They have become a prosperous community through years of hard work and an understanding of business. However, not everyone in the community is financially secure, and this sparked the interest of several influential community members. The Jain community decided to assist students who have the academic potential to achieve greater heights but are unable to do so due to financial constraints. In addition, the ministry of minority affairs has established a few scholarships for minority students.
The Jain community and the ministry of minority affairs offer the following scholarships for Jain students:


JITO Education Loan Overview:-
The JITO education loan program is designed to provide interest subsidies on loans taken out by students from banks or NBFCs. To be eligible for the loan subsidy scheme, students must register for the program within three months of the loan’s approval date or by March 31st. JATF assists by reimbursing the interest that students paid during the previous fiscal year, which ended on March 31. Therefore, the interest subsidy pertains to the previous fiscal year and not the current one.
If you intend to apply for the interest subsidy under the JELP scheme, you must do so between 1 April and 31 July. Another notable feature of the interest subsidy program is that it is only available during the student’s academic career. After completion of your course, no interest subsidy will be provided on the international education loan, regardless of the loan period.
If you are pursuing a two-year master’s degree, you will receive an interest subsidy for those two years, regardless of the repayment period. 2% of the total loan amount is subsidized by the JELP for overseas education loans. Since the amount of loans is excessive, there is a substantial difference in terms of interest payments.
After submitting a JELP interest subsidy application, the committee will decide in this regard. They will evaluate all relevant parameters in accordance with their rules’ specifications. And the committee’s decision will be binding.

Eligibility Criteria for JITO

The eligibility criteria are pretty strict in the JELP as it is solely restricted to students from the Jain community. So, it’s important to see the full eligibility criteria that can help you in moving ahead with the scheme:

– The student applying for the interest subsidy must belong to the Jain community and must be an ardent follower of the faith and principles.
– The student must not be more than 30 years old.
– The student applying under the JELP scheme must have secured more than 50% marks at all the levels of academics from the 10th standard onwards.
– The quantum of loan taken by the applicant must be more than INR 50,000 for the entire course.

Application Procedure under JELP Scheme :-

This is a complete step-by-step guide to the JELP scheme application process. To get help from the scheme, you must read it carefully and fill out the application form as soon as possible:

– Visit the official website of JATF and download the registration form. (JATF)
– The registration form should be in such format as prescribed by the JATF. Before the deadline, the student must turn in a properly filled out and signed application.
– As a sign that the registration form has been received, the student is given a registration number. If there are any changes or explanations that need to be made, they are sent by email.
– Students must keep a note that they have to complete the registration process within 3 months of the sanction of the bank loan, or before 31st March to claim the benefits under the interest subsidy scheme.
– There is no cost for registration, it’s completely free of cost.

Procedure to Claim Interest Subsidy with JITO

The application procedure for interest subsidy starts when the registration is done. You can begin the JELP scheme application process once the relevant authorities have approved the registration process. Here is the step-by-step procedure for claiming an interest subsidy:

– The application procedure under the JELP scheme for claiming interest subsidy starts on the 1st of April every academic year.
– Students have two options to get the subsidy claim form. The first option is to download the application form from the website. The second choice is to email with your request.
– The duly filled application along with all the relevant documents must reach the JATF head office in Mumbai on or before 31st July of the academic year.
– The application form must also have the signature of the applicant, and the bank branch manager from which you have taken the education loan.


It might be the best part of the whole plan. Students who get help from the JITO Education Loan Program in the form of a discount on the interest on their loans for studying abroad don’t have to pay a single cent after the program is over.
This is a free activity whose only goal is to help talented students from the Jain community reach higher levels. The end goal is to help students get the best education they deserve even if money is an issue. The JELP interest subsidy is free money that can be used for anything.

Other Important Details about JITO Education Loan Program

Before submitting an application for the interest subsidy program, students should be aware of the following vital information:
– If you are receiving a JELP interest subsidy, you are required to provide the JATF Head Office with a course progress report, a copy of your most recent grade report, and any other academic information they may require.
– Beneficiary students are required to promptly notify the JATF Head Office of any changes to their personal information, including but not limited to, their mailing address, telephone number, email address, college, and major.
– Once you’ve completed your education, you’ll need to update the JATF headquarters on your professional status.
– Applicants can only receive JATF funding from one of the two available schemes (JELP or SEED) (Students Empowering Education and Development).

Documents Required

1. A letter of loan approval from the bank.
2. If you have a copy of your fee receipts, please provide it.
3. The acceptance letter from the institution or college.
4. The course fee and any other financial information, such as scholarships, fee waivers, or funding options.
5. If the student is pursuing further education abroad, they must submit a copy of their GRE, TOEFL, GMAT, IELTS, SAT, or any other pre-admission exam scores.
6. The grade sheets for all classes beginning with 10th grade.
7. Recent Tax Returns / Proof of Income for both Parents (self, if any).
8. One passport-sized photo, a PAN card, an Aadhar card, and the most recent electric bill.
9. Mandatory recommendation from a JATF Patron Member or JITO Chapters/JITO CP/FCP/Patron Member.
10. Students travelling overseas are required to provide a copy of their passport.
11. Certificate of Being a Jain Follower / Certificate of Religion
12. Any document which certifies the birth date.
13. Bank Interest Payment Certificate for April through March.
14. Copy of Pass Bank / Bank Statement demonstrating Interest Payment.
15. If the loan is entirely repaid, the bank issues a No Due Certificate.

Difference between JELP and SEED

Additionally, the SEED project is part of the JITO. There are some changes, but the overall nature of the plans is comparable. The two proposals are intended to expand the scope and include more students from the Jain community.

Key characteristics of the SEED project that distinguish it from the JELP scheme:

– In contrast to the JELP program, the SEED project is a loan. JELP is an interest subvention program.
– The loan granted under the SEED project is an interest-free loan that must be repaid by the student.
– The whole loan amount must be repaid within one year after course completion, and if the applicant fails to do so, he or she will be required to pay 12% annual interest on the remaining balance.
– The reimbursement may be made in a single or multiple instalments within one year of course completion.
– The applicants must have earned more than 60 percent throughout all academic levels from 10th grade onward.
– You must have covered fifty percent of the total cost of your schooling.
– The maximum interest subsidy for undergraduate and vocational programs is 1 lakh Indian rupees. The ceiling for postgraduate education is 3 lakh INR.
– Students are required to attend an interview, and if they have already arrived at their study location, parents or legal guardians may go in their stead.
For further information regarding JITO education loan visit JATF .

2. Overseas Scholarship Telangana for Minorities:

Under the Overseas Study Scheme for Minority Students, the Chief Minister of Telangana will provide eligible students with a TS Overseas Scholarship or Financial Aid to cover the costs of attending an overseas educational institution.
The CM Overseas Scholarship Scheme is an initiative by the government to help economically disadvantaged minorities obtain a college education in a foreign country. Telangana Overseas Scholarships are available to minority students who have been accepted for studies at a postgraduate or doctoral level at an overseas institution between January and December.
Higher education students in the fields of engineering, management, agriculture, science, medicine, nursing, the social sciences, and the humanities would get a total of Rs.20 lakh over the course of four years from the government.

Under the CM Overseas Scholarship Scheme, the Telangana State Minority Welfare Department is looking for Muslim, Christian, Sikh, Jain, Buddhist, and Pharisee students who want to study abroad.

Those who want to go to graduate school must have a bachelor’s degree in engineering with at least 60% marks. Only those with 60% marks in their PG are eligible for the PhD CM Overseas Scholarship program.

Eligibility and Mandatory requirements:
1. Income Criteria: The annual family income must be less than Rs.5 lakhs from all sources.
2. Students must be residents of Telangana.
3. They should have a valid passport.
4. P.G. will only be permitted for P.G. admission in the case of Humanities.
5. The eligible nations are the United States, the United Kingdom, Australia, Canada, Singapore, Germany, New Zealand, Japan, France, and South Korea. Premier Universities in the Ten Countries Mentioned.
6. The candidate is not allowed to alter the University, Course, or Research Topic for which the Scholarship has already been Approved. This is one of the mandatory requirements.
7. 10% of overseas scholarships are reserved for students majoring in the Humanities, Economics, Accounting, Arts, and Law.
8. The candidate must have valid TOEFL/IELTS and GRE/GMAT scores meeting the minimum requirements. 1. TOEFL score: 60; 2. IELTS score: 6.0; 3. GRE score: 260; 4. GMAT score: 500.
9. He/she must not be availing any other scholarship or financial assistance from any other source.
10. In the online application, applicants are required to list their educational qualification marks alongside their total marks.
11. Applicants will provide accurate information on the online application form; those who provide false information will have their applications rejected and legal action taken against them.
12. PhD Programs are also eligible for the program.
13. Allocation of seats to BC students shall be based on both Reservation and Merit; I 5% of the Target for BCs shall be reserved for EBCs; and
(i) 5% of the Target for BCs shall be reserved for MBCs

(ii) For income criteria, the income of the student’s parents+ is not to be considered family income if the student is employed.

Documents required:
1. Application form.
2. Admit card of last qualifying examination.
3. Mark sheet of last qualifying examination.
4. Passport size photograph.
5. Passport copy.
6. Proof of admission to a foreign university and
7. Income certificate.
These are the mandatory documents which should be uploaded during the registration.


1. What is the amount of scholarship provided?
Full-time graduate/postgraduate students can receive up to INR 15 Lakhs per year in funding from the scholarship, and Ph.D. students can receive up to INR 20 Lakhs per year.
2. How to apply for the Telangana Overseas Scholarship?

Telangana Social Welfare Residential Educational Institutions Society accepts online applications for the Telangana Overseas Scholarship on their website.
3. How are scholarship applications evaluated?

The Higher Education Department of Telangana and the Telangana Social Welfare Residential Educational Institutions Society work together to form a committee that reviews the scholarship applications. The committee looks at things like GPA, financial need, and how applicable the major is to the student’s long-term plans.



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