Kerala Education Loan Repayment Scheme 2026 Registration Form

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Kerala Education Loan Repayment Scheme
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Kerala state government has launched the education loan repayment scheme 2026 in the state to help repay the education loans of students. The state government is inviting online registrations and claim application forms from the students for availing the scheme benefits through its newly launched portal at www.elrs.kerala.gov.in

Students can do the online registration for the education loan repayment scheme at elrs.kerala.gov.in and fill the claim application form along with attaching the required documents. The scheme may also be termed as “Education Loan Repayment Support Scheme” or “Education Loan Repayment Subsidy Scheme“. Below is the complete procedure to register online as student and fill claim application form for the education loan repayment scheme.

Contents hide
Kerala Education Loan Repayment Support Scheme 2026
Kerala Education Loan Repayment Scheme Online Registration
Download Certificate of Eligibility under Student Education Loan Repayment Scheme
How to Apply Online for Education Loan Repayment Claim
List of Required Documents
Kerala Education Loan Repayment Scheme Last Date Extended
Eligibility Criteria
Classification of Education Loans Sanctioned to Students in Kerala
Launch of Kerala Education Loan Repayment Scheme
Kerala ELRS Operational Guidelines
Highlights of Kerala Education Loan Repayment Scheme
Helpline Number

Kerala Education Loan Repayment Support Scheme 2026

The scheme would be adopted by all the Scheduled Commercial Banks/Co-operative banks and would be applicable only for the recognized Technical/Professional Courses in India. But this scheme would not be applicable for the students admitted in Management/NRI quota as well as unrecognized institutes except students who secured admission for nursing courses under management quota.

Kerala Education Loan Repayment Scheme Online Registration

STEP 1: Visit the official website of Kerala Education Loan Repayment Scheme at elrs.kerala.gov.in

STEP 2: Click on the “Student Registration” button and fill the registration form as seen below.

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Education Loan Repayment Registration Form
Education Loan Repayment Registration Form

STEP 3: After Registration, a user ID and password would be sent to the registered mobile number of the applicant which will be used to fill the online application form.

After submitting the application online, you should take a print out of the application, sign and submit it with requisite/supporting documents to the bank.

About Registration ID Number – This will facilitate to authenticate your Identity and will help in avoiding duplication. Using this Id only you can login to the website.

Download Certificate of Eligibility under Student Education Loan Repayment Scheme

Visit the official website at http://elrs.kerala.gov.in/. At the homepage, click at the “Download Certificate of Eligibility – Annexure 2 Format Here” link. The the Student Education Loan Repayment Scheme Eligibility Certificate will appear as shown below:-

Education Loan Repayment Certificate Eligibility
Education Loan Repayment Certificate Eligibility

How to Apply Online for Education Loan Repayment Claim

On completion of the registration, a user ID and password will be sent to the registered mobile number of the applicant. For filing claim application, the applicant has to login to the homepage of the http://elrs.kerala.gov.in/ portal and enter the following information using this user ID and password.

  • Full permanent address of the applicant
  • Name of parent/spouse/guardian
  • Details of co borrower(in the case of student deceased or suffered 80% & more disability)
  • Details of the professional course studied (for which the education loan was availed)
  • Whether Management & NRI Quota or not
  • Date of completion of course
  • Category of the student
  • Details of the bank from which loan was availed
  • Details of the loan availed
  • Amount repaid (interest subvention shall not be treated as repayment for this scheme)
  • Present Annual income of the family
  • Present employment details of student (not applicable for deceased student/student with 80% or more disability)
  • Present Annual income of the student (not applicable for deceased student/student with 80% or more disability)
  • Date of occurrence of disability/death in the case of deceased student /student with 80% or more disability
  • Details of relief availed under any other scheme (if any)
  • Choosing Govt Support category

In case of Forgot User ID / Password, click the link – http://elrs.kerala.gov.in/index.php/home/forgot_password

List of Required Documents

The applicant is required to upload copies (in PDF format) of the following certificates.

At the time of Registration

1) Copy of 10th pass certificate of student ,
2) Copy of Aadhaar of student (of co borrower in the case of student deceased/suffered 80 % or more disability) ,
3) Income Tax PAN of student (of co borrower in the case of student deceased/suffered 80 % or more disability)

At the time of filing application

1) Eligibility certificate issued by the Village Officer and countersigned by a gazetted Officer. (The format can be downloaded from the portal)
2) Death Certificate issued by the Registrar of Deaths of the concerned local body (in the case of deceased student)
3) Disability certificate by competent authority as stipulated in the Persons with Disabilities Act 1995 (in the case of a student borrower suffering permanent physical/mental disability of 40 % or more)
4) Course Completion certificate pertaining to the course for which the education loan was availed). (If the student discontinued the course for medical or other valid reasons, a certificate from the head of institution, stating the reason for discontinuation)
5) Salary certificate in the case of a student employed in formal sector (not applicable for deceased/student with % or more disability)

After filling the mandatory fields and uploading the certificates, the registration form is to be submitted. After filling all the fields and uploading the certificates, the applications can be submitted online in the portal

Kerala Education Loan Repayment Scheme Last Date Extended

Last date for submitting online application for Kerala Education Loan Repayment Scheme has been extended by the state government. The new last date for the scheme is 31st December.

Online registration for the Kerala Education Loan repayment scheme are being invited through the official website of the scheme at www.elrs.kerala.gov.in. All eligible students can register themselves at the portal and submit application form for the claim of repayment of their education loan. The state government has also added the option to edit the application form after submission in the website. Students can also edit their Matriculation details after the submission.

Under the scheme, the state government is re-paying the education loans of students whose annual household income is not more than 6 Lakh per annum. However, only the students who have taken loans of up to Rs. 9 Lakh will be benefited under the scheme. The total budget of the scheme is Rs. 900 Crore.

Eligibility Criteria

  • The student should be an individual permanent resident of Kerala
  • The KYC records should match with that provided with the bank
  • Only those education loans availed from a branch situated in Kerala, of,   a scheduled commercial bank, Kerala Gramin bank  Kerala State Co operative Bank, KSCARD Bank or any of the 14 District Co operative banks in the state are covered under the scheme
  • Students who secured admission under Management seats/management quota/NRI Quota are not eligible. Management seats /management quota refers to seats in private education institutions for which the management has discretion to give admission on factors other than merit as explained in IBA’s “Revised guidance notes on model educational loan scheme for pursuing higher education in India and abroad.
  • However, Students who secured admission under Management quota/Management seat for nursing courses are also eligible.
  • Loans taken for study abroad are not eligible
  • Income Tax Permanent Account Number (PAN) for the student borrower (for co borrower, in the case of a deceased student) is a pre requisite  for registration
  • Upper limit for present annual gross family/parental income is Rs.9 lakhs for deceased students, and students with disability of 40 % or more and 6 lakhs for all other categories.
  • In addition to the above ,  the present Annual Income of student should be within 4 times of the scheduled annual repayment amount in the loan
  • Student borrowers who become permanently mentally/physically disabled with 80% or more disability due to   accident/ illness or expired  during the course of study/tenure of the loan after availing the loan will be eligible for financial assistance irrespective of date and sanctioned amount of loan and classification of loan account.

Classification of Education Loans Sanctioned to Students in Kerala

Under the Kerala education loan repayment scheme 2026 Scheme, education loans sanctioned to students are classified into two categories namely

1. Education Loan Non-NPA/standard account
2. Education loan turned to NPA account on or before 31st March, 2023

Annual repayment amount (Principal plus Interest) will be shared between the Government and the borrower in the specified ratio during the 4 year relief period for the first category. In the case of the second category, Government will assist the borrower to settle and close the loan account by paying specified amount as per eligibility.

Out of the total loan repayment amount eligible under the scheme, state government would borne 60% while rest 40% will have to be borne by the students themselves. Students belonging to households whose annual household income is more than 6 Lakh are not eligible to apply for the scheme.

Launch of Kerala Education Loan Repayment Scheme

Kerala state government has launched the “Education Loan Repayment Scheme” with an aim to reduce the financial burden on families belonging to lower income group. The Rs. 900 crore scheme would benefit the students who have availed loans of upto Rs. 9 Lakh and whose annual household income is not more than Rs. 6 Lakh.

The scheme aims to extend help to those financially weaker students who didn’t get a job after their studies and unable to repay their education loan. The state government may extend the scheme by by infusing more funds in future. The current budget was set for the scheme on the basis of preliminary collected data. The government would conduct a detailed survey later to help all those students who are in real need of this scheme.

Kerala ELRS Operational Guidelines

The detailed guidelines of Kerala education loan repayment scheme can be downloaded from the official website at elrs.kerala.gov.in. People can even download the Certificate of Eligibility – Annexure 2 Format.

The education loan repayment scheme of Kerala Government would benefit those with total household income of not more than Rs. 6 Lakh per annum and have availed no more than Rs. 9 Lakh in education loan. Under the scheme, 60% of the loan repayment amount would be borne by the state government while rest 40% would have to be borne by the student itself.

The banks would have to waive interest on the loan and penal interest to avail repayment from the bank.

Highlights of Kerala Education Loan Repayment Scheme

  • The scheme will apply to loans whose repayment began before April 1, 2023.
  • The government will bear 90 percent of the amount repayable during the first year and 75 percent in the second year.
  • 50 percent of the repayable amount in the third year and 25 percent in the fourth year would be borne by govt.
  • For loans up to Rs 4 lakh which were deemed non-performing assets before March 31, 2023, the government will bear 60 per cent of the principal amount. The remaining 40 per cent has to be borne by the loanee.
  • For loans between Rs 4 lakh and Rs 9 lakh that have turned NPAs, the state government will shoulder 50 percent of the principal amount, subject to a maximum of Rs 2.4 lakh.

Helpline Number

For any query about the scheme, interested candidates can contact at the below mentioned contact details
Email – elrs.nic-ker@gov.in
Contact Number – 0471-2517187 (All working days)

Or visit the contact page on official website.

199 thoughts on “Kerala Education Loan Repayment Scheme 2026 Registration Form”

  1. Sir dumka ke panchyat me non slybul zamin hai. Aur me private job hai yearly 75000 income hai ghar khao see banana. Please Hume pmya ka help chayea 9934820819

  8. Dear Sir
    I have filled all content regarding my educational details.but mobile no was not verified.not able to get OTP.thus unable to continue.kindly help as soon as possible

    • Thank You Roshan for highlighting the mistake, our intent is not to mislead people, it was just a small mistake and has been corrected now.

      Thanks a lot once again.

  21. 1There is no options for uploading course certificate …Please say how can it upload

    2 i knknow we
    have to give our account number but which account number whether loan account or bank account

  24. Sir iam not complete my course(2013 b tech batch).I am admitted in RCC Trivandrum,affected
    Blood cancer. I can apply for this scheme.

  27. Respected Sir,

    I registered in Education Loan Repayment Scheme (Reg Id : 1890540102). But in that student Registration I wrongly entered Type of Student. Instead of physically Handicapped 40% to 80 % I given Deceased Student . Kindly Please Change my Data and do the needful.

    Faithfully

    Anup thomas
    1890540102

  29. sir , i filled my application. but i couldnt submit it. its showing that submitted to bank for processing

  31. How can i edit my submitted application before go to bank pls give suggestion .I saw submitted application cannot be edit.

  32. where do we get Eligibility certificate letter format ? (issued by the Village Officer and countersigned by a gazetted Officer.)

    plz share the link if possible.

  34. DURING MY REGISTRATION BY MISTAKELY I ENTERED IN TYPE OF STUDENT AS DECEASED INSTEAD OF PHYSICALLY HANDICAPED. SO KINDLY DO THE NEEDFUL IN MY REGISTRATION

  35. whether the eligibility certificate is countersigned by 1st grade gazetted officer.A gazeyyed officer is sufficiant.

  38. Sir,l need correction in my submitted application.how can I edit that?
    And also l didn’t get that print of application form that page shows that which is not working.so please tell me that what is the reason behind that?

    • You can login using your ID and password and see if there is any option to edit the application form details

  39. No sir,i tried so many times.it shows one edit option but which is not working after submission.so please tell me how can I edit that

  42. I completed Bsc nursing under management quota .this scheme is valuable for management quota. In bank they tell It’s not applicable .

  43. sir,
    i completed my b.tech last 4 months.my course period is 2013-2017.so,can i apply for this scheme?

  44. Hi ,

    I am not able to print application after submitting.Is any solution for that.Earliest solution would be appreciatable

  45. Sir
    Im waiting for my nursing exam on september 18.duration of course was 2013-2017.my course is not finish. So can l apply for this?

  48. sir plz help me.we were fill the amount of 2lacks as per the banks order.we clear this amount on 2017 march 31st.can we back the amount we paid?

  49. Hi,
    Iam 2016 pass out in Bsc degree.. I registered this portal. But Is this scheme eligible for 2016 pass out students?
    Please suggest me one solution

    Thanks,
    Pranil

  50. Respected sir, iam working in kuwait private hospital with less salary , can i apply to this scheme ?The village officer is not acepting my request (asking other documents).i need a solution bcz i have lot of financial problems.

  51. From where did I get income certificate number.. as we don’t get any income certificate performa to fill, but only Eligibility form to be filled by village officer

  53. When i apply for this, they ask the name of the nursing collage when i type it, the name of my collage is not in that list! So how can i apply?

  56. Hi.. I have completed my BE from Bangalore in management seat.. I have started paying the interest from 2015.. whether this scheme is applicable for management seat or not? Plz let me know..

  57. I am not able to update while selecting NO in NPA. I have marked YES roughly in that , now i cannot revert it. Please check it and do the needful.

  58. I am not able to update while selecting NO in NPA. I have marked YES roughly in that , now i cannot revert it. Please check it and do the needful. Thank you.

  61. Sir I am working in saudiarabia with less salary.did I eligible for this one .in the eligibily certificate it’s mention I have or I don’t have any job in formal or informal sector .(any establishment)what’s the meaning of this sentence. I approach to villageofficer he neglect and he told only for nonworkers.please assist me to solve this challenging issue .your support is highly appreciated waiting for your reply

  65. Sir,
    I have taken the loan for my MBBS course which is completed on 2015 April and I paid INR 120000/- as interest then after.
    Now the principle amount is remaining and my loan repayment commences in November 2017 only.
    I would like to know whether i am eligible for this repayment support scheme.
    Expecting your reply…

  68. Sir,
    I have completed my B.Tech in 2014 and M.Tech in 2016. I have not yet paid any interest. Whether I can apply for this?
    I would also like to know whether I need to pay any amount before submitting the application?
    Seeking your valuable reply.

  71. This is totally ridiculous!!!!!!!
    • Students who secured admission under Management seats/management quota/NRI Quota are not eligible???????

    Shame to know the government implies a repayment scheme without having basic knowledge that those who doesn’t get government seats are forced to pay huge fees under management quota in private institutions. This is no way helping those who have already paid more than three times of prinicple amount to banks as interest.

  72. I applied for education loan repayment scheme and submitted to bank branch through online.but I can’t take the printout of application.when I click in the PRINT APPLICATION butten it shows some error.give me a solution….

  73. I applied for education loan repayment scheme and submitted to bank branch through online.but I can’t take the printout of application.when I click in the PRINT APPLICATION butten it shows some error

  75. Sir
    I take loan in the year of 2013 December. Now till I could not paid any amount Iam able for get this subsydy?

  76. Sir
    I take a loan from in the year 2013 December. Now till I could not able to paid any amount so I’m able for getting this subsidy please reply me?

  80. Sir. I have no PAN card now so i applied for that bt it takes more time for getting through post about 45 days . When it get may be i can’t apply for loan repayment . Can you please to extend the date from October 31 st . If it not extend we cannot apply for repayment . Please help

  84. The registration was completed on 5th aug 2017 and if the loan application claim is going to be filled on 19th sept 2017(today)Which amount should I Fill in outstanding amount column??Is it as of 19th sept 2017(today) or the amount as of the day the registration was completed since the amound changes every month??

  93. I submitted my application. But i did not get any passward (or not get any conformation)through phone number or through my mail id. What shoud i do..?? reply please. Have doubt any mistake happend while ebtering my mail id ? Plese reply.

  98. I was applied for pan card,till it’s not processed
    Is pancard is necessary for subsidy,or it is possible to apply with pancard coupon number

  100. Sir I took loan for gnm ,totally i paid 37000 rupees and now I applied for the loan repayment scheme.i went to submit my application to the bank,but manager he didn’t accept my application because of due amount.he says to pay the due amount first..then only he will accept the application.

  101. Sir ,i have applied for education loan repayment scheme and i have completed the system processing also but,i did’t receive the print ,so kindly do the need ful

  102. I d’nt get eligibility certificate from village officer.I have a job in private hospital.he says that is the problem.

  108. Sir iam a bsc nurse but in the coloumn of proffesional course this option of bsc( n ) is not shown so what should i do ?
    Kindly request u to do the needfull

  111. Sir,I studied in tamilnadu but I have taken loan from Kerala. Can I able to apply for loan repayment scheme

  116. Sir, I have two educational loan for my diploma and degree.how can I apply for this?Can I get the benefit for both loan?

  119. does anybody having difficulty in filling the application form..?? any error or something?? coz i’m facing some..!! i cud’t select the name of course from the listing after selecting the type of course..!!!!

  122. Sir,
    Not showing my college name – Gomanthak Ayurveda Mahavidyalaya and research centre (University of GOA) !!!!!!!!!!!!

  124. Respected Sir/Madam,

    I have applied for PAN and havnt received it yet. It seems there is a high delay in getting it. So how can I proceed with the subsidy application. Please help

  127. Sir,I have applied for the PAN card 2 Months before and not yet received.Status showing it is under processing.How can i proceed with the application.Pls help..Pls reply..

  130. Sir
    I have applied for PAN card.it not yet received.status showing it is under processing.How can I process with this .plz help me

  132. Sir,
    My college name is prajwal college of nursing #73/A,balaji layout,byadrahalli,magadi main road,bangalore rural-560091 not included in the list then what will i do ? Plz rply

  133. Sir ,
    My daughter is just complete her professional course in 2017.if she is eligible for applying kerala education loan repayment scheme.kindly give me a reply

  134. Sir…, I have applied for the pan card 2 months before and not yet received. Status showing it is under processing. How can i apply….? please help me..

  136. Sir ,
    I just completed my professional course in 2017. whether I am eligible for applying kerala education loan repayment scheme.kindly give me a reply

  137. Iam working in a private construction Company.am i eligible for this loan scheme?The eligibility Certificate showing that there will be no job in formal or informal sectors.The village officer not ready to give the certificate due to working in a firm?What to do?

  140. Hi,

    My college name Emmanuel College of B.Ed Training, Vazhichal is not include in the list what can I do?

    Registartion ID: 3595630101

    pls help me.

  142. Sir…, I have applied for the pan card 2 months before and not yet received. Status showing it is under processing. How can i apply….? please help me..

  144. My name is rani..i had completed my proffessional course(B.E CSE ) in tamilnadu,vickram college of engineering ,sivagangai dist…but this college is not mentioned..or diaplayed in the particular college list…wat to do am?..i completed the first registration succesfully..but i couldn’t do the second part regiatration..because of this college list issue…i couldnt complete this before 31 octobr..i kindly request you to give me a response for this..wat to do next?..

  145. Dear Sir,

    I had completed MCA from a private college under Visveswaraya university in Karnataka.Could you please advise whether i am eligible for this scheme

  147. My college is not in list what can I do???. Christian polytechnic college dindigul Tamil nadu . is polytechnic & Other state studied students are eligible for this scheme??

  150. sir,
    I have completed BTECH in the year 2014 frOm college of engineering perumoN under ‘management quota”.It is not a self finance college. am i eligible for this? mine is an npa account…

  152. Dear sir,
    This is sureshpremkumar.I was completed my BE degree in Arulmigu Kalasalingam college of Engineering in virudhunagar district at Tamilnadu. BUt Here not show my college name in list.What can i do? please I await for your reply as soon as possible .

    Thanks….

  153. Sir. My collage name is sri umamaheswhara school of nursing gulburga. Is not include in the list.what can I do?

  155. Respected sir,
    The repayment date of my educational loan started after 31 March 2016 .whether I am eligible for applying kerala education loan repayment scheme.kindly give me a reply

  156. Sir….my educational loan bank is kotak mahindra bank vadakara branch.this bank is not included in this scheme.so I couldnt apply for this scheme.my registration is already completed

  157. Dear sir,
    I am trying to apply for this educational loan repayment scheme,i have applied for a pan card but it is not yet recieved.
    The last date is 31 october.what can i do now sir

  158. Dear sir,
    I am also trying to apply for this scheme,i have applied for a pan card but not yet recieved,what shall i do now sir

  161. I have completed the registration procedure and uploaded all the required documents. When I try to take the print out there is an error message showing. I am unable to take the print out. What can I do?

    • There might be some technical issue, you can wait or contact at the helpline contact details mentioned in the article

  162. Sir my college name is adarsha college of nursing under dr NTR university of health science..this not including this elrs site..what i need to do for this…?

  166. The repayment date of my educational loan started after 31 March 2016 .whether I am eligible for applying kerala education loan repayment scheme

  167. Sir,

    I have updated wrong year of passing in matriculation details. My userid also changed with it. But when i loggin with the updated user id, matriculation details update option disabled for my portal now. How can i change the year again???

  170. SIR MY APPLICATION IS NOT RECEIVED THE BANK. THEY ARE TELLING YOUR ACCOUNT IS TRANSFERD TO RELIANCE. WHAT CAN I DO SIR

  171. Sir,
    I’m from Kerala but I completed my B Tech from Tamil Nadu college(Merit seat, still bank has provided loan), so is there a chance not to get this repayment facility.

  173. Im completed my corse under the management couta then i dont have pan card zerox copy y bcose missing my card but i have pan numper so im elegible or not apply the study loan scheam pls to be reply.

  174. Sir,
    I am Aswathy. I have completed my Graduation in nursing two years before. I took financial support from a nationalised bank in our locality,so that I applied for prime minister’s educational loan concession scheme.But unfortunately the bank rejected my application.I attached all the required documents along with my application. So I hope you will take necessary action with immediate effect.

  175. Sir i am already subimitted all the relavant documents to uninon bank of india and upload the required details into the website also.By when will i get to know i am eligible or not and when will i can receive the eligible repayment from govt.

  176. Sir,

    How to edit the details in applicfation form , becoz now portal is disabled the editing option

    Now bank suggesting to edit some details, please suggest

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  178. Sir,
    I losed my user I’d and password,I tried to retrieve my username and password but site showing sending OTP failed.i hav to open my file because bank didn’t get any response from education loan repayment site ,so they told me to re-submit but I can’t open because of lose user id and password.please do needfully

  179. Sir I took loan in 2009.loan santioned about 229000.i took only 218000only.now ialredy remitted nearly170000.now I got a message that my claim for educational loan accepted. Then I want to remit RS0(zero)with in 90days.am I eligible for this scheme?can I need to pay further installments?

    • The student who had paid 40% of the loan amount before this scheme was introduced will be eligible. ThankYou

  180. MY NAME IS AMRUTHA ,I ALSO APPLIED FOR THIS EDUCATIONAL LOAN REPAYMENT SUPPORT SCHEME,I COMPLEATED GRADUATION 2014,NOW MY BANK IS REJECTED AND RESUBMITTED THE APPLICATION TODAY ,PLEASE TAKE AN ACTION TO CHECK IT OUT SIR.

  181. Sir, I am parvathy v iam summitted my Application for the date of 24/11/2017, that time my my Application is rejected ,Noe bank suggestting to edit some details , iam editing my Application , this time iam eligible for this scheme my status is saved , but my application not in the bank site what can i do.

  182. I submutted my application before last date of submission and also i submitted the hard copy of submitted details to bank but now my application not in the bank portal . I can’t update my profile details what i do?

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  184. Hi ,

    I have also applied for elrs programme for loan repayment. But I haven’t received any update from federal bank branch for further processing. its still shows submitted to branch in the website. Is there any one here got amount intimation from bank ?

    • same. I have applied for ELRS in October 2017 and still its not processed. I am paying little amount so its not in NPA.

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