Arivu Education Loan 2025: Apply Online for 2% Interest Student Loan in Karnataka
The Arivu Education Loan Scheme, launched by the Karnataka Minorities Development Corporation (KMDC), continues to support thousands of minority students by offering low-interest education loans for professional courses. With an annual interest rate of just 2%, this scheme helps deserving students pursue higher education without financial pressure.
This article provides full guidance on eligibility, required documents, loan amount, repayment terms, and how to apply online before the official deadline.
What is the Arivu Loan Scheme?
The Arivu Loan is a financial assistance scheme for students from religious minority communities (Muslims, Christians, Jains, Sikhs, Buddhists, and Parsis) who secure seats in professional courses via CET or NEET through KEA. The loan is sanctioned annually and can be renewed every year during the duration of the course.
Unlike private loans, Arivu Loan is government-backed and doesn’t require collateral or guarantors, making it highly accessible.
Loan Amount Based on Course
| Course Type | Yearly Loan Amount |
|---|---|
| MBBS / MD / MS | ₹3,00,000 |
| Dental (BDS / MDS) | ₹1,00,000 |
| Engineering / Architecture | ₹50,000 |
| MBA / MCA / LLB | ₹50,000 |
| B.Sc Nursing / Pharma | ₹50,000 |
The total amount is released directly to the college’s bank account for tuition and academic fees.
Eligibility Conditions
To be eligible for the Arivu loan in 2025-26:
- You must be a resident of Karnataka
- Belong to a religious minority community
- Have secured a seat through KEA-CET/NEET counseling
- Your family income must not exceed ₹8 lakh/year
- You should be enrolled in a full-time professional course
- Must be studying in Karnataka-based educational institutions
Documents Required to Apply
Ensure all documents are valid and uploaded in the correct format during online application:
- Recent passport-size photograph
- Aadhaar card
- SSLC and PUC/Graduation marks cards
- CET/NEET admission letter from KEA
- Bonafide certificate from current college
- Latest income & caste certificate
- College bank account details and fee structure
- Indemnity bond (in prescribed KMDC format)
Note: Students must renew their application each year by submitting updated fee receipts and progress reports.
How to Apply Online – Step-by-Step Process
- Visit the official KMDC website: https://kmdconline.karnataka.gov.in
- Click on “Arivu Education Loan” tab.
- Select “New Registration” and enter your mobile number to receive OTP.
- Complete the profile with personal details, academic details, and course information.
- Upload all scanned documents in required format (JPEG/PDF).
- Enter the KEA registration number and select the correct course.
- Submit the application and note down the Application ID.
- Await verification call or message from the KMDC district officer.
After submitting online, students may be required to visit the KMDC District Office for physical document verification.
Loan Repayment Terms
- Repayment starts after completing your course + 6-month grace period.
- Interest rate is fixed at 2% per annum.
- Payment tenure ranges between 3 to 5 years.
- You may pay monthly, quarterly, or in annual installments.
- Failure to repay may result in recovery through legal notice.
Deadline to Apply for Arivu Loan 2025
- Online application must be completed before June 30, 2025
- Late submission may not be accepted unless officially extended
- Students are advised to apply early to avoid server load or rejection
Important Tips for a Successful Application
- Cross-verify name and details with Aadhaar and SSLC marks card
- Use a working mobile number and email for verification updates
- Always upload clear scanned copies (not photographs of documents)
- If any detail is wrong, contact KMDC district office immediately
Final Thoughts
For students from minority backgrounds, the Arivu loan is a golden opportunity to pursue quality higher education without depending on high-interest private loans. Whether you aim to become a lawyer, engineer, doctor, or business professional, this scheme ensures financial stability during your academic journey.
This scheme is especially useful for students applying for LLB programs at CKM College, Shivamogga Law Colleges, or other government and aided institutions in Karnataka through KEA.
Start your application today and secure your academic future with the support of KMDC Arivu Education Loan 2025.