Loan for Training of Commercial Pilot (GUEEDC)
Loan for Training of Commercial Pilot gives unreserved-category students of Gujarat up to Rs 25,00,000 at 4% simple interest a year to fund Commercial Pilot Licence training. Applicants must be permanent residents of Gujarat, have passed Class 12, and hold admission at a recognised flying institute.
| Ministry | Social Justice and Empowerment Department, Government of Gujarat (Gujarat Unreserved Educational and Economical Development Corporation) |
|---|---|
| Benefit | Loan of up to Rs 25,00,000 at 4% simple interest for Commercial Pilot Licence training |
| Maximum benefit | Rs 25,00,000 |
| Application mode | Offline through the District Social Welfare Officer; GUEEDC schemes generally run online on esamajkalyan.gujarat.gov.in |
| Helpline | 079-23258688, 079-23258684 |
| Official website | https://gueedc.gujarat.gov.in/ |
What is the Loan for Training of Commercial Pilot?
Loan for Training of Commercial Pilot is a concessional-credit scheme of the Social Justice and Empowerment Department, Government of Gujarat, run through the Gujarat Unreserved Educational and Economical Development Corporation (GUEEDC), in Gujarati, the Gujarat Bin Anamat Shaikshanik ane Arthik Vikas Nigam.
GUEEDC was constituted by a government resolution dated 30 September 2017 to carry out education, economic and social development activities for communities belonging to the unreserved class in Gujarat, excluding Scheduled Tribe, Scheduled Caste and other reserved communities who are served by their own corporations under the same department.
Commercial Pilot Licence training is one of the most expensive vocational courses in India. Flying hours, ground school, simulator time, medical clearances and licence examinations run into tens of lakhs, and a commercial education loan at a market rate compounds that burden. This scheme lends up to Rs 25,00,000 at 4% simple interest a year, a rate roughly comparable with the corporation's other education loans and far below commercial pricing.
Gujarat's own scheme directory at mariyojana.gujarat.gov.in records the scheme in Gujarati as Commercial pilot ni talim mate loan yojana (Bin Anamat Nigam) and states the amount and rate in exactly those terms.
How much does the scheme give?
| Item | Terms |
|---|---|
| Maximum loan | Rs 25,00,000 |
| Interest | 4% per annum, simple interest |
| Nature of benefit | Repayable loan, not a grant |
| Category served | Unreserved (General) |
Because it is a loan, the applicant carries a repayment obligation. Prospective pilots should model repayment against realistic first-job earnings in the airline industry, which typically begins after licence conversion and type rating; costs that this scheme does not separately address.
Who is eligible for the commercial pilot training loan?
You can apply if:
- You are a permanent resident of Gujarat.
- You belong to the unreserved (General) category.
- You have passed HSC (Class 12).
- You have secured admission at a recognised commercial pilot training institute.
You cannot apply if:
- You belong to the Scheduled Caste, Scheduled Tribe or Other Backward Class categories. Those applicants are not eligible here, and should instead approach the parallel schemes: the Social Justice and Empowerment Department runs a commercial pilot training loan for Scheduled Caste students, and the Tribal Development Department runs one for tribal students, also at Rs 25,00,000 and 4%.
- You are not a permanent resident of Gujarat.
- You have not passed Class 12, or hold no admission letter from a recognised flying institute. Both conditions are tested at the application stage.
On income, the Government of India's myScheme record for this scheme states that no individual or family income limit is specified. That is worth flagging rather than relying on, because GUEEDC's published education and foreign-study loan schemes both carry a family income ceiling of Rs 6,00,000 a year, and the corporation's district officers apply the current government resolution. Confirm the position with your District Implementing Officer before you assume the loan is open at any income level.
What documents are required?
| Document | Mandatory | Notes |
|---|---|---|
| Class 12 mark sheet | Yes | Establishes the HSC qualification |
| School leaving certificate | Yes | Identity and residence |
| Caste certificate | Yes | Establishes unreserved category status |
| Income certificate | Yes | Required with the form |
| Fee receipt from the training institute | Yes | Evidence of admission and course cost |
| Bank passbook or cancelled cheque | Yes | Disbursement and repayment account |
| Passport size photographs | Yes | Attached to the form |
How to apply for the commercial pilot training loan
- Visit the office of the District Social Welfare Officer in your district and ask for a hard copy of the prescribed application form for the commercial pilot training loan. GUEEDC also publishes a District Implementing Officer list on gueedc.gujarat.gov.in, and that officer handles the corporation's schemes at district level.
- Complete the form with all mandatory details, and attach self-attested copies of the documents listed above.
- Submit the signed form with the documents at the District Social Welfare Officer's office.
- Ask for a receipt or acknowledgement from the officer who accepts the application, and keep it.
- Check whether the corporation is accepting the application online. GUEEDC's other schemes, the education loan, the foreign study loan, the self-employment loan, food bill assistance and the coaching schemes — are all applied for online at esamajkalyan.gujarat.gov.in, and district offices will normally direct you there where an online window is running.
What security does the corporation take?
GUEEDC's published loan terms give a good indication of what to expect, because the corporation applies a consistent security policy across its lending. For its foreign study loan, where the total course loan is Rs 7,50,000 or less, a charge must be registered on immovable property worth one-and-a-half times the loan, belonging either to the borrower or to a relative. Where the total exceeds Rs 7,50,000, immovable property equal to the full loan amount must be mortgaged in favour of the corporation. Every borrower also gives five post-dated cheques signed in the corporation's favour. A Rs 25,00,000 pilot training loan will therefore involve a registered mortgage, and applicants should plan for that well before the training institute's fee deadline.
Repayment on GUEEDC's education loans begins one year after the course ends, in equal monthly instalments: five years for loans up to Rs 5,00,000 and six years for larger loans, with repayments credited first against interest. Early repayment is permitted.
Key dates
GUEEDC opens its loan schemes in rounds rather than year-round. As an illustration of how the corporation announces windows, its self-employment loan scheme for 2026-27 opened on 22 June 2026 and, after an extension notified on 27 July 2026, now closes on 22 August 2026 for all districts. Watch the news and notification panel on esamajkalyan.gujarat.gov.in for the equivalent announcement covering the pilot training loan.
An important caveat about this scheme
The commercial pilot training loan is not currently listed among the schemes displayed on GUEEDC's own website, gueedc.gujarat.gov.in, which at the time of this check advertised the education loan, foreign education loan, food bill assistance, coaching assistance, JEE/GUJCET/NEET coaching assistance, competitive examination training assistance, the self-employment loan lines and the interest subsidy for graduate doctors, lawyers and technical graduates. The scheme does appear in the Gujarat government's consolidated scheme directory at mariyojana.gujarat.gov.in with the Rs 25,00,000 and 4% terms stated above.
The practical reading is that the scheme exists on the state's books but may not be open in the current cycle. Confirm with the District Implementing Officer or the GUEEDC helpline before committing to a flying-school admission on the strength of this loan.
Where to get help
- GUEEDC helpline: 079-23258688 and 079-23258684
- GUEEDC portal: gueedc.gujarat.gov.in, including the District Implementing Officer list and the government resolutions section
- Application portal for GUEEDC schemes: esamajkalyan.gujarat.gov.in
- District Social Welfare Officer in your district
- Gujarat scheme directory: mariyojana.gujarat.gov.in
Applying is free. No agent or flying school can charge you a fee for arranging a government loan sanction.
Documents required
Frequently asked questions
How much loan does the commercial pilot training scheme give?
The scheme lends up to Rs 25,00,000 at 4% simple interest a year. Gujarat's own scheme directory states the amount and the rate in identical terms for the unreserved-corporation version of the scheme.
Who can apply for this loan?
A permanent resident of Gujarat belonging to the unreserved (General) category, who has passed Class 12 and has secured admission at a recognised commercial pilot training institute, can apply.
Who cannot apply?
Scheduled Caste, Scheduled Tribe and Other Backward Class candidates are not eligible under this GUEEDC version. Gujarat runs parallel commercial pilot training loans for Scheduled Caste students through the Social Justice and Empowerment Department and for tribal students through the Tribal Development Department.
Is there an income limit?
No income ceiling is stated for this loan on the Government of India's myScheme record of the scheme. Note that GUEEDC's other education loans do carry a family income ceiling of Rs 6,00,000, so confirm the current position with the District Implementing Officer before applying.
Do I have to repay the loan?
Yes. The loan is repayable with 4% simple annual interest on the terms set by the corporation. It is credit at a concessional rate, not a grant.
Is there an age limit?
No specific age limit is published in the scheme guidelines. Applicants are expected to meet the age norms that the aviation regulator and the training institute apply to Commercial Pilot Licence candidates.
Where do I submit the application?
Submit the completed form and documents to the office of the District Social Welfare Officer, and ask for an acknowledgement. GUEEDC's District Implementing Officer list is published on gueedc.gujarat.gov.in.
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