Founded by Guru Nanak Darbar, Vapi
Normal Graduation
- Maximum / year / student
- ₹50,000
- Remarks
- BA / B.Com / B.Sc.
← PadhaiLearning shouldn't
Padhai · Education Loan
Learning shouldn't
wait on money.
Interest-free education loans help students from remote villages and economically weaker families continue their studies without financial hardship standing in the way.
How it helps
Support that respects
dignity, not paperwork.
A promising student shouldn't have to drop out because their family can't cover school or college fees. VPCF's education loan gives deserving students the breathing room to stay enrolled, sit exams and finish what they started.
Each request is reviewed individually with the family, so support goes where it's genuinely needed—documented, interest-free and without the pressure of a commercial lender.
Eligibility
Who the loan
is meant for.
- The educational loan is currently available only to students of the Punjabi and Sindhi community residing in Vapi, Daman and Silvassa.
- The loan can be denied to students whose family members belong to the community but have married outside the community.
- Loans are restricted to a maximum of two students per family.
- Every application requires two guarantors.
Punjabi & Sindhi communityVapi · Daman · SilvassaMax 2 students / family2 guarantors required
Slabs & annual caps
Maximum support
per year, per student.
| Educational course | Maximum amount per year, per student | Remarks |
|---|---|---|
| Normal Graduation | ₹50,000 | BA / B.Com / B.Sc. |
| Technical Graduation | ₹1,00,000 | Engineering |
| Technical Graduation | ₹1,50,000 | Medical |
| Post-Graduation | ₹1,50,000 | Any field |
Technical Graduation
- Maximum / year / student
- ₹1,00,000
- Remarks
- Engineering
Technical Graduation
- Maximum / year / student
- ₹1,50,000
- Remarks
- Medical
Post-Graduation
- Maximum / year / student
- ₹1,50,000
- Remarks
- Any field
These caps are the maximum amounts that may be sanctioned and disbursed per year, per student.
The committee may review and amend the slabs and caps from time to time as required.
Every application is evaluated afresh each academic year. Receiving a loan in one year does not automatically entitle a student to another loan the following year; the student must apply again and their performance will be evaluated again.
Application & review
A process built
for fairness.
Applications are invited using the form prescribed by the committee and are reviewed against the by-laws below.
01Application schedule
Applications are invited twice a year: around April, at the start of a new academic year, and around October, at the start of the second semester.
April and October are approximate application periods, not guaranteed opening dates. VPCF membership SMS notifications and announcements communicate the submission deadline. Applications received after the announced deadline are not entertained.
02Scrutiny of applications
Three members nominated by the committee scrutinise applications using a point-based system established by the committee. The screening process aims to be unbiased.
Shortlisted applications are prioritised according to the committee's established criteria. Shortlisted students and their parents or guardians may then be invited for a personal interview.
03Personal interview & verification
Shortlisted candidates are informed of the interview time and location by telephone. During the interview, the committee will:
- Verify the information supplied in the application against actual records, with particular attention to income details, salary slips and income-tax return copies.
- Verify marks against the original marksheets.
- Thoroughly scrutinise the selected course and college.
- Assess whether the student selected the course voluntarily rather than because of pressure from family or friends.
- Where required, attempt to negotiate with the educational institution.
- Verify the standing and suitability of both guarantors.
04Guarantor requirements
Both guarantors must be VPCF members, each must have their own residence, and each must provide valid photo identification. An affidavit is also required.
These are the by-law requirements. The downloadable application form asks for additional guarantor information and supporting documents, listed separately below.
05Loan disbursement
The loan amount is restricted to tuition fees only. Donations and other additional charges are not covered.
The cheque is made payable directly to the educational institution. If the fees have already been paid, the cheque may instead be issued in the name of the candidate or guardian.
06Audit of loan disbursement
Two members are nominated every year on a rotational basis. They must be different from the education committee members and audit both the amounts disbursed and the procedure followed.
Application form
What to prepare
before applying.
The five-page VPCF Student Loan Application Form collects the information needed to assess an application and includes a section-by-section completion guide.
Additional form information and documents
These application-form requirements are separate from the guarantor conditions and other by-laws above. Read the PDF carefully before completing it.
- VPCF membership details and applicant information
- Academic records and admission or fee documents
- Identity, address and income documents for the applicant and guarantors
- Banking, repayment-mandate and local Gurdwara verification details
- Signed applicant declaration and guarantor information
The PDF also contains repayment terms and payment-mode fields. Those details come from the application form and are not presented here as additional eligibility rules.
Before you download
Read the Education Loan
By-Laws Before Applying.
Please read the eligibility requirements, annual loan limits, application procedure, guarantor conditions, disbursement policy and audit process carefully before downloading the VPCF Student Loan Application Form.
Select the acknowledgement above to enable the download.
Padhai project
Education Loan
Interest-free education loans help students in remote villages and economically weaker families continue their studies without financial hardship standing in the way.
Interest-freeUp to ₹1,50,000/yearCase-by-case reviewDocumented support
Support this seva