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Section Overview
Scholarships, overseas higher education (government-funded), TABCEDCO loan limit doubled, and vocational training in textiles, IT, leather. Incremental improvements to existing schemes.
Summary Ratings
| Fiscal Pressure | Economic Benefit | Social Benefit | Implementation Risk |
| MEDIUM | MEDIUM | HIGH | LOW |
Proposal-by-Proposal Analysis
The table below provides fiscal cost estimates and impact ratings for the principal proposals in this section.
| Key Proposal | Fiscal Cost Estimate | Economic Benefit | Social Benefit |
| Overseas higher education for OBC/MBC/DNT (travel + fees by govt) | Modelled on Ambedkar Overseas scheme for SC/ST. Estimated 500 students/yr × ₹8–15 lakh = ₹40–75 cr/yr. | MEDIUM | HIGH |
| TABCEDCO loan limit: ₹15L → ₹30L | Guarantee liability increase: ₹100–150 cr/yr (based on NPL rates of ~8%). | MEDIUM | HIGH |
| Vocational training (textiles, leather, IT) for OBC/MBC/DNT | ₹30–50 cr/yr incremental. | LOW | HIGH |
| OBC/MBC students — special programmes at all education levels | ₹80–100 cr/yr incremental across all levels. | MEDIUM | HIGH |
Analytical Notes
⚑ Analytical Note: These are incremental improvements to well-established schemes. The TABCEDCO loan doubling is particularly relevant given that the current ₹15 lakh ceiling has not been revised for several years while business startup costs have increased significantly. The overseas education scheme would represent genuine social mobility for first-generation OBC/MBC students if well-implemented.
