Karnataka Arivu Education Loan Scheme

Scheme Introduction: A Brief Overview

The Karnataka Arivu Education Loan Scheme is an education loan programme implemented by the Karnataka Minorities Development Corporation (KMDC) to support students belonging to Religious Minority Communities in pursuing professional higher education. Under this scheme, eligible students selected through the Karnataka Examination Authority (KEA) CET or NEET for admission to eligible Government or Private colleges can receive an education loan ranging from Rs. 50,000 to Rs. 5,00,000 per academic year, depending on the course. The loan is available for every academic year during the course duration and is offered at a concessional interest rate of 2% per annum.

The scheme covers a wide range of professional courses, including MBBS, BDS, Engineering, Architecture, Pharmacy, Management, Law, Agriculture, AYUSH and several allied disciplines. Students pursuing MBBS, MD and MS courses can receive a maximum education loan of Rs. 5 lakh per year, while students enrolled in other eligible professional courses can avail financial assistance as per the loan limits prescribed by KMDC. After approval, the sanctioned loan amount is transferred directly to the bank account of the respective educational institution. For the current application cycle, eligible minority students should submit their applications by 27 June 2026, while students belonging to the Christian minority community can submit their applications up to 30 September 2026.

To apply for the Karnataka Arivu Education Loan Scheme, applicants must belong to a notified Religious Minority Community in Karnataka, be permanent residents of the state and have an annual parental income of not more than Rs. 8 lakh. Students must secure admission to an eligible professional course through the Karnataka Examination Authority (KEA) CET or NEET in a Government or Private college. In addition, students belonging to Religious Minority Communities, except Christians, must have secured at least 60% marks in the qualifying examination to become eligible for assistance under the scheme.

The education loan sanctioned under the scheme must be repaid within 48 months, and the repayment period starts one year after the successful completion of the course. The concessional 2% annual interest rate makes the scheme an affordable financing option for eligible minority students, helping them complete professional education without facing financial constraints.

Scheme Benefits

• Education loan ranging from Rs. 50,000 to Rs. 5,00,000 per year is provided depending on the eligible professional course.
• Eligible students can receive the loan every academic year until the completion of their course, subject to renewal conditions.
• The loan carries a concessional service charge of only 2% per annum.
• Repayment of the loan begins 6 months after completion of the course.
• The loan amount is transferred directly to the bank account of the student's college through the Direct Benefit Transfer (DBT) system.
• The scheme covers a wide range of professional courses, including Medical, Dental, Engineering, Architecture, Pharmacy, Management, Law, Agriculture, AYUSH and other allied disciplines.
• Students admitted to Government or Private colleges under the Government Quota through KEA CET/NEET can avail financial assistance under the scheme.

Course-wise Education Loan Amount

Loan Renewal

Students who have already availed assistance under the Karnataka Arivu Education Loan Scheme can apply for renewal every academic year until completion of their eligible professional course, subject to the conditions prescribed by the Karnataka Minorities Development Corporation (KMDC). The applicant's parents' annual income from all sources should not exceed Rs. 8,00,000.

The renewal facility is available for students pursuing eligible professional courses such as MBBS, MD, MS, BDS, MDS, B.AYUSH, M.AYUSH, Engineering, Architecture, MBA, MCA, LLB, Agriculture and allied courses, Pharmacy and other approved courses through the Karnataka Examination Authority (KEA) in Government or Private colleges. The maximum annual loan amount for each course remains the same as prescribed under the scheme.

The education loan is provided at a concessional interest rate of 2% per annum. Beneficiaries are required to repay the loan within 48 months, and the repayment period begins one year after successful completion of the course.

Eligibility Requirements

• The applicant must belong to a notified Religious Minority Community in Karnataka, such as:
  • Muslims.
  • Parsis.
  • Buddhism.
  • Christians.
  • Jains.
  • Sikhs.
• The applicant must be a permanent resident of Karnataka.
• The annual income of the applicant's parents from all sources should not exceed Rs. 8,00,000.
• Students must have secured at least 60% marks in the qualifying examination.
• The applicant must have secured admission to an eligible professional course through the Karnataka Examination Authority (KEA) through CET or NEET.
• The applicant must be admitted to an eligible Government or Private college for one of the notified professional courses covered under the scheme.
• Parents or guardians who are Government employees must submit Form 16 as proof of annual income.

Courses Eligible for Loan

• MBBS, MD and MS.
• BDS and MDS.
• Bachelor's and Master of AYUSH Courses (B.Ayush and M.Ayush).
• Bachelor of Engineering (B.E.) and Bachelor of Technology (B.Tech.).
• Master of Engineering (M.E.) and Master of Technology (M.Tech.).
• Bachelor of Architecture (B.Arch.) and Master of Architecture (M.Arch.).
• Master of Business Administration (MBA).
• Master of Computer Applications (MCA).
• Bachelor of Laws (LLB).
• B.Sc. in Horticulture, Agriculture, Dairy Technology, Forestry, Veterinary Science, Animal Science, Food Technology, Biotechnology, Fisheries, Sericulture, Home/Community Science, and Food Nutrition & Dietetics.
• Bachelor of Pharmacy (B.Pharm.), Master of Pharmacy (M.Pharm.), Pharm.D and D.Pharm.

Required Documents

Applicants must keep the following documents ready before applying for the Arivu Education Loan Scheme of the Karnataka Government: -

For Fresh Application

• Minority Certificate issued by the competent authority.
• Income Certificate issued by the competent authority.
• Copy of Aadhaar Card (as Residential Proof).
• CET Admission Ticket (if applicable).
• NEET Admission Ticket (if applicable).
• SSLC / Class 10 Marks Card.
• Diploma or PUC Marks Card.
• Indemnity Bond.
• Student Self-Declaration Form.
• Parent Self-Declaration Form.

For Loan Renewal

• Bonafide/Study Certificate.
• College Fee Structure.
• Previous Year's Passed Marks Card.
• Student Bank Account Details.
• Security Deposit Receipt for payment of 12% of the previously sanctioned loan amount.
• Copy of KEA Admission Order.
• Minority Certificate issued by the competent authority.
• Income Certificate issued by the competent authority.
• Indemnity Bond.
• Student Self-Declaration Form.
• Parent Self-Declaration Form.

Steps to Apply

• Minority Community students can apply for their professional education loan under the Arivu Education Loan Scheme by filling out an Online Application Form.
• Online Application Form of Karnataka Arivu Education Loan Scheme is available on KMDCL Online Application Management Portal of the Karnataka Government.
• Aadhar Number and Mobile Number of Student is must during form submission.
• Mobile Number will be verified through the OTP received on it.
• Then, the KMDCL Portal will verify the Aadhar Card of Students through OTP Authentication.
• Students have to select the Arivu Education Loan Scheme from the list after OTP verification.
• After clicking on the Apply Online Button, fill in the details mentioned below in the Arivu Education Loan Scheme Online Application Form:-
  • Student Personal Details.
  • Contact Details.
  • Bank Account Details.
  • Upload Documents.
• Preview the Application Form before submitting it, and then click on the Submit Button to submit the Application Form of the Arivu Education Loan Scheme.
• The Arivu Education Loan Scheme Application Form, along with documents, will be scrutinised by the selection panel.
• Selection Panel will select the Eligible Students for the education loan under the Arivu Education Loan Scheme of the Karnataka Government.
• The list of Selected Students will be forwarded to the bank/ financial institution for the sanctioning of the education loan.
• Loan Amount under the Arivu Education Loan Scheme will be directly transferred to the Bank Account of the concerned college or university.
• Applicants can track the status of their application online through the KMDC portal.

Important: For the current application cycle, eligible minority students can submit their fresh applications by 27 June 2026, while students belonging to the Christian minority community can apply by 30 September 2026.

Important Forms

• Arivu Education Loan Scheme Student Self Declaration.
• Arivu Education Loan Scheme Indemnity Bond.
• Arivu Education Loan Scheme Parent's Self Declaration.

Relevant Links

• Arivu Education Loan Scheme Online Application Form.
• Arivu Education Loan Scheme Application for Christian.
• Karnataka Arivu Education Loan Scheme Registration.
• Arivu Education Loan Scheme Application Status.
• Karnataka Minorities Development Corporation Limited Portal.
• Arivu Education Loan Scheme Guidelines.
• Karnataka Minorities Development Corporation Limited App.
• Karnataka Minorities Development Corporation Limited District Office Contact Numbers.

Contact Information

• Karnataka Minorities Development Corporation Limited WhatsApp Helpline Number:- 08277799990.
• Karnataka Minorities Development Corporation Limited Helpline Number:- 080-22860999.
• Karnataka Minorities Development Corporation Limited Helpdesk Email:-
  • [email protected].
  • [email protected].
  • [email protected].
• Karnataka Minorities Department Corporation Limited,
  No. 39-821, Subedhar Chatra Road,
  Sheshadripuram, Bengaluru,
  Karnataka - 5660001.