Interest Free Loans to IIT Students





Interest Free Loans to IIT Students 


It has been decided to provide interest subvention on the education loans, for all students admitted for undergraduate and the 5-year integrated degree programmes in IITs, covering the period of the study plus one year of moratorium under the Vidyalaxmi Scheme, subject to the following guidelines:


(i) The facility shall be made available to all the students whose household income does not exceed Rs. 9 lakh per annum.

(ii) The education loan, for this purpose, shall cover only the tuition fee payable by the student as per his eligibility. The portion of the tuition fee paid by the student from his own sources at the time of securing admission could be reimbursed from the overall loan.

(iii) The terms of the loan shall be in accordance with the broad contours of the Educational loan Scheme of the Indian Banks’ Association (IBA) for pursuing Technical/Professional Education studies in India.

(iv) The term of the loans sanctioned under this dispensation shall be 10 years.

(v) There shall be no collateral for sanction of the loan except the personal guarantee of the student (applicant) and the parent/guardian (co-applicant).

(vi) The subvention of interest (on equated basis) shall be applicable for a maximum period of 5 years (which may include a one year moratorium).

(vii) After the expiry of the above period, the interest on the outstanding loan amount shall be paid by the student, in accordance with the provisions of the existing educational loan scheme of the Banks and as may be amended from time to time.

(viii) This facility is applicable only to the loans taken by the students who secured admission into the undergraduate courses of IITs (including the integrated courses) starting from the academic year 2016-17.

(ix) The interest subvention is subject to the satisfactory performance of the student in the institution.

(x) Payment of the interest subvention shall be from the internal accruals of the IIT.

However a Central Sector Scheme to provide interest subsidy on educational loan (CSSIS) is presently operational which provides full interest subsidy during the period of moratorium (course period + one year) on loans taken by students belonging to EWS from Scheduled banks under the Model Educational loan Scheme of the IBA for pursuing any of the approved courses of studies in technical & professional streams, from recognized institutes in India.

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Quality of Primary and High School Education in Rural Areas

The National Council of Educational Research and Training (NCERT) conducts periodic national surveys of learning achievement of children in classes III, V, VIII and X. Four rounds of National Achievement Survey (NAS) have been conducted so far for class V and three rounds for classes III & VIII. These reveal improvement in learning achievement levels of pupils, in identified subjects from first round to fourth round. Since only first round of NAS has been conducted at Class X level, it is not possible to comment on the comparative learning achievement or decline of students of Standard X.

The results of the 3 cycles of NAS conducted at classes III, IV & VIII over the period of time indicate that there is no significant difference in performance of students of rural and urban areas.

The standard of education in States and UTs depends upon several factors including socio-economic, socio-geographic and educational background of the students, availability of basic infrastructure/amenities in schools, availability of trained and competent teachers in the schools and so on.

Since the inception of Sarva Shiksha Abhiyan (SSA), a flagship programme of the Central Government for universalising elementary education in 2001 till 31.3.2016, opening of 3.64 lakh new elementary schools, construction of 3.11 lakh school buildings, and 18.61 lakh additional classrooms and 19.48 lakh teacher posts have been sanctioned to States and UTs. Further, under SSA, the State Governments and UT Administrations are supported on several interventions to improve teaching standards, including regular in-service teachers’ training, induction training for newly recruited teachers, training of all untrained teachers to acquire professional qualifications, recruitment of additional teachers for improving pupil-teacher ratios, academic support for teachers through block and cluster resource centres, continuous and comprehensive evaluation system to equip the teacher to measure pupil performance and provide remedial action wherever required, and teacher and school grants for development of appropriate teaching-learning materials, etc. The Right of Children to Free and Compulsory Education (RTE) Act, 2009 specifies statutory duties and responsibilities of teachers and lays down the minimum qualifications for a person to be eligible for appointment as a teacher in elementary schools.

Additionally, to improve the quality of elementary education in the country, the Central Government has taken several initiatives. Some of these are – (i) Padhe Bharat Badhe Bharat’ (PBBB) which is a sub-programme under Sarva Shiksha Abhiyan (SSA), encourage children to improve on early grade reading, writing & comprehension, and early Mathematics in classes I and II. Rashtriya Aavishkar Abhiyan (RAA) programme has been launched in July 2015, inter alia, as a sub-component of Sarva Shiksha Abhiyan and Rashtriya Madhyamik Shiksha Abhiyan (RMSA), to motivate and engage children of the age group from 6-18 years in Science, Mathematics and Technology through observation, experimentation, inference drawing, model building, etc. both through inside and outside classroom activities.

At secondary level, the centrally sponsored scheme of RMSA envisages enhancing the quality of education by providing a secondary school within a reasonable distance of every habitation, improving quality of education imparted at secondary level, removal of gender, socio-economic and disability barriers. The Scheme provides for classrooms, science laboratory, library, computer room etc. in new/upgraded and existing secondary schools. Since the inception of RMSA in 2009-10 till 31.3.2016, 11,599 new secondary schools, 52,715 additional classrooms, 25,948 science laboratories, 21,864 computer rooms and 27,428 libraries have been sanctioned to States and UTs. Under the scheme, financial assistance is provided to the States/UTs for various above activities including teachers training viz. induction training, in-service teachers training, master trainers training, training of key resource persons, professional development training as well as management and Leadership training of headmasters & state resource groups (SRGs).

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Measurement of Nutrition Value of Mid Day Meal


The cooking cost  which includes the cost of vegetables, pulses, oil, condiments & fuel is being upwardly revised annually since 01.04.2010. The cooking cost has been enhanced by 7% w.e.f. 01.07.2016 and it now stands at Rs.4.13 and Rs.6.18 per child per day for primary and upper primary stages respectively. Besides the above, the Central Government provides 100% funding for foodgrains, transport assistance, kitchen devices and Management/Monitoring Expenses. Several State/UT Governments are also contributing additional funds over and above their minimum mandatory share under Mid Day Meal Scheme.

The Central Government have notified the Mid Day Meal Rules, 2015 in September, 2015 under the National Food Security Act, 2013.  These Rules, interalia, provide that hot cooked meal provided to children shall be evaluated and certified by the Government Food Research Laboratory or any other laboratory accredited or recognized by law so as to ensure that the meal meets with the prescribed nutritional standards and quality.  The samples are to be collected at least once in a month from randomly selected schools or centralized kitchens for testing by such laboratories.


The Mid Day Meal Guidelines prescribe the following nutritional content to achieve the objectives of the Scheme in the mid day meal:

Items For children of Primary classes For children of Upper Primary classes
A) Nutritional Norms (Per child per day)
Calorie 450 700
Protein 12 gms 20 gms
B) Food Norms (Per child per day)
Food-grains 100 gms 150 gms
Pulses 20 gms 30 gms
Vegetables 50 gms 75 gms
Oil & fat 5 gms 7.5 gms
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Performance Based Appraisal System for University Teachers

The University Grants Commission (UGC) UGC has notified the UGC (Minimum Qualifications for Appointment of Teachers and other Academic Staff in Universities and Colleges and measures for the maintenance of standards in Higher Education) 3rd Amendment Regulations, 2016 on 10th May, 2016. Thereafter, in view of the discussions and suggestions from various quarters including Teachers associations, the UGC notified the UGC (Minimum Qualifications for Appointment of Teachers and other Academic Staff in Universities and Colleges and measures for the maintenance of standards in Higher Education) 4th Amendment Regulations, 2016 effective from 11th July, 2016. These amendments supersede the 3rd amendment and are in force and being implemented.

As a consequence of the 4th amendment regulations, the workload of teachers remains unchanged, candidates having a Ph.D registered/awarded prior to 11th July, 2009 and conforming to the prescribed conditions will be exempted from NET for appointment to the post of Assistant Professors in Universities and Colleges, etc.

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Azadi 70-Yaad Karo Kurbani: MHRD to celebrate the Freedom Fortnight

In pursuance of the decision to celebrate the forthcoming Independence Day as Independence festival, Ministry of Human Resource Development plans to arrange a series of events in educational institution across the country. It was earlier decided that the period from 9th August , 2016 to 23rd August 2016 be celebrated as “Azadi 70- Yaad Karo Kurbani” (Freedom Fortnight) to re-instill the spirit of freedom struggle and national movement among the younger generation. A list of suggested activities is being circulated among Secretaries of Education of all states/UTs, heads of CBSE, Kendriya Vidyalaya Sangatan (KVS) and Navodaya Vidyalaya Samiti.

It is directed to circulate the draft list of activities to all the schools under their purview, including private and aided schools asking them to carry out as many activities as possible. It is to be ensured that the each primary/upper primary/elementary/secondary school takes up at least one activity and each higher secondary school takes up at least two activities. Mass singing of the National Anthem at 11.00 AM on Tuesday, the 23rd August, 2016 is to be conducted across all the schools in the country.

The suggested list of activities include

1) Mass recitation of the National Anthem by all students in the state/UT, including private and unaided schools at 11.00 AM on 23rd August ( the last day of Fortnight long celebrations)

2) School Children could paint greeting cards for Jawans posted at border stations. These could be sent to the nearest APO for forwarding to the jawans.

3) Mass tree plantation drive by the students may be organized to unstill the idea of sustainable development.

4) Talks can be organized in the schools by invited persons on the theme of freedom Movement. Special focus may be on martyrs from the state/UT or local areas. 5) Painting, Elocution, Essay Writing, Slogan Writing and Patriot song singing competitions may be organized.

6) Plays with Freedom movement theme may organized; Freedom Run may also be organized

Participating schools are directed to send regular reports to e-mail address: azadi70@gov.in or update the events and photographs on the website www.mhrd.gov.in and on facebook azadi 70.

Department of Higher education is also directed to take necessary steps to celebrate the Freedom Fortnight in befitting manner in the institutes and autonomous bodies under its purview.

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