Arivu Education Loan Scheme 2025: How to Apply, Eligibility, Documents, Benefits
The Government of Karnataka, through the Karnataka Minorities Development Corporation (KMDC), offers a highly beneficial educational loan scheme known as Arivu Education Loan. This scheme aims to support religious minority students pursuing professional courses by providing financial assistance with a subsidized interest rate of just 2% per annum.
If you are a student looking to pursue Law (LLB), Engineering, Medical, Architecture, Management, or any other professional degree in Karnataka, the Arivu loan scheme is one of the best options available.
What is Arivu Education Loan Scheme?
Arivu Education Loan is a unique student loan program provided by KMDC for students belonging to minority communities in Karnataka. It supports candidates who gain admission to professional courses through Karnataka Examination Authority (KEA) via CET or NEET.
The loan amount ranges from ₹50,000 to ₹3,00,000 per year, depending on the course, and is provided at a flat 2% annual interest rate.
Eligibility Criteria
To qualify for the Arivu Education Loan Scheme, you must meet the following criteria:
- Domicile: You must be a permanent resident of Karnataka.
- Community: You must belong to a religious minority community — Muslim, Christian, Jain, Buddhist, Sikh, or Parsi.
- Admission: Must have secured admission through KEA (CET/NEET) for any professional degree course.
- Family Income: Your family’s annual income should be ₹8 lakh or less.
- Course Type: Must be a full-time professional degree (such as MBBS, BDS, B.E., B.Tech, B.Arch, MBA, MCA, LLB).
Courses Covered and Maximum Loan Amount
| Course Category | Maximum Loan Amount per Year |
|---|---|
| MBBS / MD / MS | ₹3,00,000 |
| BDS / MDS | ₹1,00,000 |
| Engineering / Architecture | ₹50,000 |
| LLB / MBA / MCA | ₹50,000 |
| Para-medical / Nursing | ₹50,000 |
Loan disbursal is directly made to the college’s bank account.
Documents Required
For Fresh Applicants:
- SSLC Marks Card
- PUC / Degree Marks Cards
- CET/NEET Admission Letter (KEA)
- Bonafide Certificate from College
- Caste and Income Certificate (valid)
- Aadhaar Card
- Recent Passport Size Photos
- Fee Structure issued by college
- Bank Account Details of College
- Undertaking or Indemnity Bond (KMDC format)
For Renewal:
- Previous year marks card
- Renewal acknowledgement
- Fee receipt for current year
- Indemnity bond (if required)
How to Apply for Arivu Loan 2025
Step-by-Step Online Process:
- Visit the official portal: kmdconline.karnataka.gov.in
- Select “Arivu Education Loan” option.
- Click on “New Registration” if you are a new applicant.
- Fill in your basic details and verify your mobile number via OTP.
- Upload all the required documents (scanned copies in PDF/JPEG format).
- Choose your professional course and KEA details.
- After reviewing the application, click Submit.
- Save or print your Application ID for future reference.
- Visit the KMDC District Office with original documents for physical verification if required.
Last Date to Apply for Arivu Loan 2025
As per latest updates from KMDC and regional news sources, the last date to apply for Arivu loan online is June 30, 2025. However, some districts may extend the deadline to July 10, 2025, depending on local verification procedures.
To avoid missing out, applicants are advised to complete the application by June 30 and submit physical documents (if needed) before the extended deadlines.
Loan Repayment Terms
- Repayment starts after the course duration + grace period (usually 6 to 12 months).
- Interest is calculated at 2% annually.
- Repayment tenure is typically 3 to 5 years.
- KMDC may initiate recovery proceedings if repayment is delayed beyond due dates.
Common Mistakes to Avoid
- Submitting incomplete documents
- Uploading unclear or low-resolution scans
- Providing incorrect bank account details of the college
- Missing physical document verification (if called by KMDC)
- Not renewing the loan each academic year
Final Notes for Students
The Arivu loan is one of the most beneficial financial aid programs for minority students in Karnataka. It offers a low-risk, low-interest solution to cover your tuition and education-related expenses.
Whether you are pursuing an LLB from CKM Chikkamagaluru or Engineering from any government quota seat, this loan can support your academic journey with minimal burden.
Apply early, double-check your documents, and ensure proper communication with KMDC district officers for a smooth application and renewal process.