**Executive Summary**
This notification, issued by the Ministry of Education on November 24, 2025, amends the list of Regional Rural Banks (RRBs) eligible under the Credit Guarantee Fund Scheme for Education Loans (CGFSEL). This is in response to the reorganization of RRBs by the Ministry of Finance, effective April 5, 2025, involving mergers and creation of new entities. The revised list of 28 participating RRBs is provided, reflecting these changes.
**Key Points / Main Content**
* **Purpose:** Update the list of eligible lending institutions under the Credit Guarantee Fund Scheme for Education Loans (CGFSEL).
* **Context:** Reorganization of Regional Rural Banks (RRBs) due to mergers and new entity formations by the Ministry of Finance.
* **Previous Notifications:**
* Refers to the original CGFSEL notification dated September 16, 2015.
* Mentions a previous modification dated April 18, 2023, including RRBs as member lending institutions (MLIs).
* **Modified List of RRBs:** The following 28 RRBs are now eligible under CGFSEL:
1. Andhra Pradesh Grameena Bank
2. Arunachal Pradesh Rural Bank
3. Assam Gramin Bank
4. Bihar Gramin Bank
5. Chhattisgarh Gramin Bank
6. Gujarat Gramin Bank
7. Haryana Gramin Bank
8. Himachal Pradesh Gramin Bank
9. Jammu and Kashmir Grameen Bank
10. Jharkhand Gramin Bank
11. Karnataka Grameena Bank
12. Kerala Grameena Bank
13. Madhya Pradesh Gramin Bank
14. Maharashtra Gramin Bank
15. Manipur Rural Bank
16. Meghalaya Rural Bank
17. Mizoram Rural Bank
18. Nagaland Rural Bank
19. Odisha Grameena Bank
20. Puducherry Grama Bank
21. Punjab Gramin Bank
22. Rajasthan Gramin Bank
23. Tamil Nadu Grama Bank
24. Telangana Grameena Bank
25. Tripura Gramin Bank
26. Uttar Pradesh Gramin Bank
27. Uttarakhand Gramin Bank
28. West Bengal Gramin Bank
**Impact Analysis**
**Stakeholder: Regional Rural Banks (RRBs)**
* **Impact:** Determines which RRBs are eligible to participate in the CGFSEL program, affecting their ability to offer education loans with a guarantee.
* **Action Required:** RRBs need to verify if they are included in the updated list of eligible institutions and adjust their education loan programs accordingly.
**Stakeholder: Students seeking Education Loans**
* **Impact:** The list dictates which RRBs can provide education loans under the CGFSEL scheme, affecting the availability of loans in certain regions.
* **Action Required:** Students need to check if the RRB they are approaching is on the updated list to ensure their loan can be guaranteed under the scheme.
**Stakeholder: Ministry of Education**
* **Impact:** Ensure the effective implementation of the Credit Guarantee Fund Scheme for Education Loans.
* **Action Required:** Monitor the participation of the listed RRBs and update the list as needed based on future reorganizations.
Key Entities Referenced
Credit Guarantee Fund Scheme for Education Loans (CGFSEL): A scheme for providing credit guarantees for education loans, crucial for facilitating access to higher education.
Regional Rural Banks (RRBs): Banks listed as eligible institutions under the CGFSEL scheme, enabling them to provide education loans with credit guarantees.
Ministry of Education: The central ministry responsible for overseeing the CGFSEL scheme and related notifications.
Ministry of Finance: Government body that undertook the reorganization of Regional Rural Banks (RRBs).
New Delhi: Location where the notification was issued.
रजिस्ट्री स.ं डी.एल.- 33004/99 REGD. No. D. L.-33004/99
सी.जी.-डी.एल.-अ.-29112025-268059
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CG-DL-E-29112025-268059
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असाधारण
EXTRAORDINARY
भाग I—खण्ड 1
PART I—Section 1
प्राजधकार स ेप्रकाजित
PUBLISHED BY AUTHORITY
स.ं 352] नई दिल्ली, मगं लिार, निम् बर 25, 2025/ अग्रहायण 4, 1947
No. 352] NEW DELHI, TUESDAY, NOVEMBER 25, 2025/ AGRAHAYANA 4, 1947
जिक्षा मत्रं ालय
(उच्चतर जिक्षा जिभाग)
अजधसचू ना
नई दिल्ली, 24 निम् बर, 2025
फा. स.ं 18-2/2022CGFSEL.—यह जिक्षा ऋण के जलए ऋण गारंटी जनजध योिना (सीिीएफएसईएल) की
अजधसूचना के जलए भारत के रािपत्र, असाधारण, भाग-I, खंड I म ें प्रकाजित जिक्षा मंत्रालय भारत सरकार, की
अजधसूचना संख्या-18-1/2013-यू.5 (खडं III) दिनांक 16 जसतंबर, 2015 के क्रम म ें ह,ै और इसके पश्चात ् क्षेत्रीय ग्रामीण
बैंकों (आरआरबी) को सिस्ट्य ऋण िने े िाली संस्ट्थाओं (एमएलआई) के रूप में िाजमल करन े की अजधसूचना के जलए भारत
के रािपत्र, असाधारण, भाग-I, खंड I में प्रकाजित जिक्षा मंत्रालय भारत सरकार, की अजधसचू ना दिनांक 18 अप्रलै , 2023
के बाि के संिोधन के अनुसार ह।ै
2. जित्त मंत्रालय, भारत सरकार, द्वारा अजधसूचना संख्या 7/6/2024(1)-आरआरबी दिनांक 5 अप्रलै , 2025 के
तहत क्षेत्रीय ग्रामीण बैंकों (आरआरबी) के पनु गठग न के अनुसरण में, जिसे भारत के रािपत्र, असाधारण, भाग II,
खंड 3-उप-खडं (ii) में प्रकाजित दकया गया ह,ै जिसके तहत कुछ आरआरबी का जिलय कर दिया गया ह ै और नई संस्ट्थाओं
का गठन दकया गया ह,ै सीिीएफएसईएल योिना भाग लेन े िाल े आरआरबी की संिोजधत सूची को प्रजतबबंजबत करने के
जलए तिनुसार संिोजधत होगी।
7899 GI/2025 (1)2 THE GAZETTE OF INDIA : EXTRAORDINARY [PART I—SEC.1]
जनम्नजलजखत क्षेत्रीय ग्रामीण बैंक (आरआरबी) अब जिक्षा ऋण के जलए ऋण गारंटी जनजध योिना
(सीिीएफएसईएल) के अंतगगत पात्र संस्ट्थान होंगे:
1. आंध्र प्रिेि ग्रामीण बैंक,
2. अरुणाचल प्रिेि ग्रामीण बैंक
3. असम ग्रामीण बैंक
4. जबहार ग्रामीण बैंक
5. छत्तीसगढ़ ग्रामीण बैंक
6. गुिरात ग्रामीण बैंक
7. हररयाणा ग्रामीण बैंक
8. जहमाचल प्रिेि ग्रामीण बैंक
9. िम्मू और कश्मीर ग्रामीण बकैं
10. झारखंड ग्रामीण बैंक
11. कनागटक ग्रामीण बैंक
12. केरल ग्रामीण बैंक
13. मध्य प्रििे ग्रामीण बैंक
14. महाराष्ट्र ग्रामीण बैंक
15. मजणपरु ग्रामीण बैंक
16. मेघालय ग्रामीण बैंक
17. जमिोरम ग्रामीण बैंक
18. नागालडैं ग्रामीण बैंक
19. ओजडिा ग्रामीण बैंक
20. पडु ुचेरी ग्राम बैंक
21. पंिाब ग्रामीण बैंक
22. रािस्ट्थान ग्रामीण बैंक
23. तजमलनाडु ग्राम बैंक
24. तले गं ाना ग्रामीण बैंक
25. जत्रपुरा ग्रामीण बैंक
26. उत्तर प्रिेि ग्रामीण बैंक
27. उत्तराखंड ग्रामीण बैंक
28. पजश्चम बंगाल ग्रामीण बैंक
पूणेंि ुदकिोर बनिी, संयुक्त सजचि[भाग I—खण् ड 1] भारत का रािपत्र : असाधारण 3
MINISTRY OF EDUCATION
(Department of Higher Education)
NOTIFICATION
New Delhi, the 24th November, 2025
F. No. 18-2/2022CGFSEL.—This is in continuation of notification of Government of India, Ministry of
Education, No.-18-1/2013-U.5(Vol.III) dated 16th September, 2015 published in Gazette of India, Extraordinary, Part-
I, Section I for notification of Credit Guarantee Fund Scheme for Education Loans (CGFSEL), and subsequent
modification vide Government of India, Ministry of Education Notification dated 18th April, 2023 published in
Gazette of India, Extraordinary, Part-I, Section I for notification of inclusion of Regional Rural Banks (RRBs) as
member lending Institutions (MLIs).
2. Pursuant to the reorganization of Regional Rural Banks (RRBs) undertaken by the Government of India,
Ministry of Finance vide Notification No. 7/6/2024(1)-RRB dated 5th April, 2025 published in Gazette of India,
Extraordinary, Part II, Section 3-Sub-Section (ii) whereby certain RRBs have been merged and new entities have been
constituted, the CGFSEL Scheme shall stand modified accordingly to reflect the revised list of participating RRBs.
The following Regional Rural Banks (RRBs) shall henceforth be eligible institutions under the Credit
Guarantee Fund Scheme for Education Loans (CGFSEL):
1. Andhra Pradesh Grameena Bank,
2. Arunachal Pradesh Rural Bank
3. Assam Gramin Bank
4. Bihar Gramin Bank
5. Chhattisgarh Gramin Bank
6. Gujarat Gramin Bank
7. Haryana Gramin Bank
8. Himachal Pradesh Gramin Bank
9. Jammu and Kashmir Grameen Bank
10. Jharkhand Gramin Bank
11. Karnataka Grameena Bank
12. Kerala Grameena Bank
13. Madhya Pradesh Gramin Bank
14. Maharashtra Gramin Bank
15. Manipur Rural Bank
16. Meghalaya Rural Bank
17. Mizoram Rural Bank
18. Nagaland Rural Bank
19. Odisha Grameen Bank
20. Puducherry Grama Bank
21. Punjab Gramin Bank
22. Rajasthan Gramin Bank
23. Tamil Nadu Grama Bank4 THE GAZETTE OF INDIA : EXTRAORDINARY [PART I—SEC.1]
24. Telangana Grameena Bank
25. Tripura Gramin Bank
26. Uttar Pradesh Gramin Bank
27. Uttarakhand Gramin Bank
28. West Bengal Gramin Bank
PURNENDU KISHORE BANERJEE, Jt. Secy.
Uploaded by Dte. of Printing at Government of India Press, Ring Road, Mayapuri, New Delhi-110064
and Published by the Controller of Publications, Delhi-110054.