Son of a poor agriculture labourer, Mr. Pankaj Dabhi was not in a position to cope with the costs of the studies in medicine. Through the principal of his school, he came to know about loans available under NEW ANKAKSHA SCHEME sponsored by NBCFDC, New Delhi. He applied for student loan and with the help of timely financial assistance from Gujarat Thakor & Koli Vikas Nigam, Gandhinagar, he was able to complete his course and had attained a degree in M.B.B.S. in March 2012.
Dr. Pankaj Dabhi is now working as Medical Officer in District TB Centre, Civil Hospital,Junagadh. His salary is Rs. 6,00,000/- p.a.
Dr. Pankaj has been informed to start repayment immnediately.
Father being a poor agriculture labourer, his family was feeling a pinch of inflation and was nit in a position to pay for the costs of the course. Through a distant relative, Mr. Kartik came to know about education loan available for higher studies by Gujarat Thakor & Koli Vikas Nigam, Gandhinagar. Acting with dispatch on his loan application, an education loan of Rs. 1,17,000/- was granted to him. Mr. Kartik was able to pursue his career with the help of financiual assistance and he completed his studies in 2013.
Now Mr. Kartik is working as Sr. Executive( Development), Finlogic Technologies, T.P.L.701, N.J.Centre, Udhna, Nr. Surat. He is a Software Developer and earning Rs. 1,63 Lakh per year.
"Patel Kartik Bipinbhai"
Rs. 30,000/- under Micro Finance Scheme.
Before availing loan, Shri Jitendra was not able to purchase and keep stock of the cloth. In response to an advertisement appeared in local newspaper, he applied for loan and with the help of the loan, he earned enough money to keep stock of the cloth. He is now able to increase turn-over and earn enough money to pay up his loan. Now he is enjoying comfortable living.
He has been punctual in paying monthly loan installments.
"Thakor Jitendra Junjarji"
Though already working in diamond and cutting workshop, Shri Kanotara thought to start his own business on a tiny scale. He wanted to purchase some equipment for setting up small-size unit. He approached Nigam for financial assitance. Acordingly, loan of Rs. 25,000/- had been disbursed to him . With the help of loan, his diamond cutting-polishing unit is doing good business. His monthly income shows rise from Rs. 16,000/- to 25,000/-.With re-deployment of profit, the business will prosper in future.
Shri Kanotara has been punctual in dischrging his monthly financial obligations.
"Kanotara Ishvarbhai Kanabhai"
Though already engaged in diamond and cutting job, Smt. Zenzariya thought to start her own business on a tiny scale. She wanted to purchase some equipment for setting up small-size unit. She approached Nigam for financial assitance. Acordingly, loan of Rs. 25,000/- had been disbursed to her. With the help of loan, her diamond cutting-polishing unit is doing good business. Her monthly income shows rise from Rs. 16,000/- to 25,000/-With re-deployment of profit, the business will prosper in future.
Smt. Zenzariya has been punctual in dischrging her monthly financial obligations.
"Smt. Zenzariya Rekhaben Hasmukhbhai"
There is a large population of Koli community in Botad District. Mr. Meniya thought that it would be profitable to set up Provision Store as large population of koli community in his area would be prospective customers and with passing of time clientele will also increase. His motive is to provide services at customers’ doorstep in his village. At present his monthly net income is Rs. 18,000/- but with re-deployment of resources, business would prosper in future.
He has been punctual in paying his monthly loan installments.
"Shri Meniya Vishnubhai Lakhabhai"
I, Ghanshyambhai Govindbhai Zinzuwadia, resident of village: ANIYALI BHIM,Tal:Dhandhuka, Dist; Ahmedabad had no means to support my family and I was living almost in penury as I was earning precarious living as an agriculture lbour. Someone told me to approach GUJARAT THAKOR & KOLI VIKAS NIGAM for loan which was available at fairly lower rate of interest than any scheduled/nationalised banks. Accordingly, I applied for loan to get MARUTI VAN about two years ago. On the basis of documents submitted by me, I was granted loan without having to wait much longer. Soon after availing loan, I started earning enough money by commuting children to their schools. Income began come in every month and gradually my financial conditions started to improve. Fixed monthly income not only helped me to support my family but I also started to put some money aside every month for timely repayment of loan.
Now with the help of this timely succour from GUJARAT THAKOR & KOLI VIKAS NIGAM, I have been able to pay for education of my children and my living standards have also remarkably improved. I extend my profuse thanks to NIGAM for coming to my rescue in my hour of need.
"Ghanshyambhai Govindbhai Zinzuwadia"
I was born in a family of poor peasant eking out a living from cultivating a small piece of land.I passed H.S.C. Exams. with 73% of marks. Maintaining the same rate of progress, I passed B.B.A. with 67%. These encouraging results decided my parents to let me continue to pursue higher studies in M.B.A. The elephant in the room was the money that had to be paid for college fees.
I came to know from my friends that education loan was available to students belonging to THAKOR & KOLI communities for pursuing career in M.B.A. I approached NIGAM for loan.
The above-named student had availed Education Loan of Rs. 1,20,000/- for pursuing studies in Bachlor of Engineering (Mining Engineering.) Now he has completed his studies and secured well-paid job in Gujarat Mineral Development Corporation (GMDC) at a salary of Rs. 20,000/-p.m.
Before availing Education Loan, his family was very poor and was not in a position to absorb the costs of higher studies.Father being illiterate and noone in near relations being financially comfortable, he was on the verge of abandoning the idea of going in for higher studies altogether.
Assistance from NIGAM under NBCFDC Educastion Loan Scheme proved a godsend for him and he pursued his career deteminedly with bright acdemic performances year after year through the duration of the course. At last his hard work and benefit obtained by Education Loan yielded results. He completed studies and got the job immediately without waiting long for an opportunity to come up.
Now with a rise in income , he has been able to bring his family above the Poverty Line which condition was otherwise impossible to get over easily.
He has expressed his gratitude by a letter saying thankfully that he is deeply indebted to NIGAM for timely help provided by way of Education Loan. But for this help, he would not have been able to improve social/economic status of his family which had seen very awful days in the past.
This is a story of a student hailing from a middle class family struggling to make a career in middle level management in Company. Mr. Hardik M.Rathod resident of Gandhinagar , after completing B.Pharm, proceeded to M.B.A. post graduation deree course. He passed M.B.A. in July 2013 with flying colours. Soon after passing his exams., he has now been able to secure a job of Development Officer in Kotak Mahindra Life Insurance Company at an annual salary package of Rs. 3,00,000/-
A copy of his self-written story submitted herewith speaks volumes about his personal experience with this NIGAM.
"Mr. Hardik M. Rathod "