AI SummaryArivu Education Loan Scheme provides education loans of up to Rs 5 lakh per year to religious minority community students in Karnataka who are selected through CET / NEET for professional courses. Karnataka Minorities Development Corporation (KMDC) runs this scheme and accepts applications online through the KMDC loan management portal at kmdconline.karnataka.gov.in.
Under the scheme, loans are given for courses like M.B.B.S, M.D, M.S, B.E, B.Tech, M.E, M.Tech, B.D.S, M.D.S, B.Ayush, M.Ayush, M.B.A, M.C.A, L.L.B, B.Arch, M.Arch, B.Sc in Agriculture and related fields, and B.Pharma, M.Pharma, Pharma.D and D.Pharma. For the 2026-27 academic year, the online application window opened on the KMDC portal and the last date to apply was 30 May 2026. The scheme runs every academic year, so students can apply through the same portal in each cycle.
Arivu Education Loan Scheme Online Application Form 2026
STEP 1: Firstly visit the official KMDC website at https://kmdc.karnataka.gov.in/4/arivu-education-loan-scheme/en and read the scheme details, guidelines and eligibility before applying.
STEP 2: Open the KMDC online loan management portal at https://kmdconline.karnataka.gov.in/Portal/home and log in with your registered mobile number.
STEP 3: On the portal, scroll down to the schemes section and click on the 'Arivu Education Loan Scheme' tab.
STEP 4: Then the Arivu Education Loan Scheme apply online page will appear as shown below.
STEP 5: Click on the "Apply Online" link to open the page where you can apply for a new loan or a loan renewal under the Arivu Scheme.
STEP 6: Click on the "Renewal" tab to open the mobile verification page. Enter your 10 digit mobile number and click "Submit" to proceed with the Arivu loan renewal registration through your Aadhaar card number.
STEP 7: Enter the OTP and the security PIN for DigiLocker. Then give consent for the use of your Aadhaar card and enter the OTP again.
STEP 8: Then the Arivu Education Loan Scheme (Renewal) online application form 2026 will appear.
STEP 9: Enter all the asked details correctly and submit them to complete the apply process for the Arivu loan renewal.
Track Arivu Loan Application Status
After logging in, click on the "Track Status" link to check the Arivu loan scheme application status.
Highlights of Arivu Education Loan Scheme
Here are the main points of the Arivu Education Loan Scheme in one place.
| Detail | Information |
|---|---|
| Scheme Name | Arivu Education Loan Scheme |
| Run By | Karnataka Minorities Development Corporation (KMDC) |
| Beneficiaries | Religious minority community students of Karnataka |
| Loan Amount | Up to Rs 5,00,000 per year |
| Interest / Service Charge | 2% per annum |
| Family Income Limit | Below Rs 8,00,000 per year |
| Application Mode | Online |
| Official Website | kmdc.karnataka.gov.in |
Eligibility Criteria for Arivu Scheme
Students can apply for the Arivu Education Loan Scheme only if they meet the eligibility conditions given below.
- The student must belong to a religious minority community of Karnataka and must be a permanent resident of the state.
- Annual family income of the applicant from all sources should be below Rs 8,00,000. If the parents or guardians are government employees, they must submit an income document from their superiors through Form 16.
- Students selected through the Karnataka Examination Authority (NEET) for M.B.B.S, M.D and M.S courses in government or private colleges under government quota get a maximum loan of Rs 5,00,000 per year.
- Students selected for B.D.S and M.D.S courses get a maximum loan of Rs 1,00,000, while B.Ayush and M.Ayush course students get up to Rs 50,000 per year.
- Students selected for B.Arch, B.E, B.Tech, M.Tech, M.E and M.Arch courses get a maximum loan of Rs 50,000 per year.
- Students who opt for M.B.A, M.C.A and L.L.B courses through KEA get a tuition fee loan of up to Rs 50,000 per year.
- Students selected for B.Sc in Horticulture, Agriculture, Dairy Technology, Forestry, Veterinary, Animal Sciences, Food Technology, Bio Technology, Fisheries, Sericulture, Home or Community Sciences, Food Nutrition and Dietetics get a maximum loan of Rs 50,000 per year.
- Students selected for B.Pharma, M.Pharma, Pharma.D and D.Pharma courses get a maximum loan of Rs 50,000 per year.
The loan amount is transferred directly from KMDC to the bank account of the student's college through Direct Benefit Transfer. The student has to repay the loan with a service charge of 2% per annum after 6 months of completion of the course. When applying for renewal, students have to pay 12% of the loan amount that was disbursed by the corporation in the previous year.
Documents Required for Arivu Education Loan Scheme
Keep these documents ready before starting the online application for the Arivu Education Loan Scheme.
- Student's online application and 2 passport size photos
- Minority and income certificate of the student
- Aadhaar card copy of the student
- CET and NEET admission letters
- SSLC / 10th marks card and Diploma / PUC marks card
- Bonafide / study certificate and college fee structure
- College bank details
- Security deposit (12% of loan amount) paid receipt
- Indemnity Bond
- Student's Self Declaration
- Parent's Self Declaration
FAQ's
Who can apply for the Arivu Education Loan Scheme?
Religious minority community students of Karnataka who are permanent residents of the state and selected through CET / NEET for professional courses can apply. The annual family income should be below Rs 8 lakh.
What is the maximum loan amount under the Arivu Scheme?
The loan amount ranges from Rs 50,000 to Rs 5,00,000 per year depending on the course. M.B.B.S, M.D and M.S students get the highest loan of up to Rs 5 lakh per year.
What is the interest rate on the Arivu education loan?
The loan carries a service charge of 2% per annum, and the student has to repay it after 6 months of completion of the course.
For more details, visit the official website at https://kmdc.karnataka.gov.in/4/arivu-education-loan-scheme/en. Students can also check the full list of Karnataka government schemes for other support available in the state.