The Arivu Education Loan Scheme, initiated by the Minorities Welfare Department, Government of Karnataka, and implemented by the Karnataka Minorities Development Corporation (KMDC), is a dedicated financial assistance program for students from state religious minority communities. This scheme helps eligible students pursue professional courses by offering educational loans up to ₹5 lakh per year, with convenient repayment options and low service charges.
Key Benefits of Arivu Education Loan
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Loan Amount:
₹50,000 to ₹5,00,000 per academic year, depending on the course and fee structure. -
Renewal Process:
Students must renew their loan every year by paying 12% of the previous year’s loan amount at their respective District Office. -
Loan Repayment:
Repayment starts 6 months after course completion, with a 2% service charge applicable.
Courses Covered
This scheme supports a wide range of professional and technical courses, including:
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Medical & Allied: MBBS, MD, MS, BDS, MDS, B.Ayush, M.Ayush, Pharma.D, D.Pharma, B.Pharma, M.Pharma
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Engineering & Architecture: B.E., B.Tech., M.E., M.Tech., B.Arch., M.Arch.
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Management & IT: MBA, MCA
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Law: LLB
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Agriculture & Science: B.Sc. in Agriculture, Horticulture, Forestry, Dairy Tech., Biotechnology, Food Tech., Veterinary, Fisheries, Sericulture, Home/Community Sciences, Food Nutrition & Dietetics
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Others: Courses with KEA/NEET/CET admission
Eligibility Criteria
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Must belong to state religious minority communities
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Must be a permanent resident of Karnataka
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Annual family income must not exceed ₹8,00,000
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Must have valid admission through CET/NEET/KEA into an eligible course
How to Apply
Interested students from minority communities who are pursuing MBBS, B.Tech, MBA, LLB, etc can Apply online for the Arivu Education Loan Scheme to get up to ₹5 lakh/year support.
Fresh Application (Online)
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Visit KMDC Official Website
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Click “Apply Online” → Enter mobile number → Submit
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Enter your Aadhaar number, and captcha, and proceed via OTP verification
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Choose “Arivu Education Loan Scheme”
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Fill in personal, academic, and address details
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Upload required documents (see below)
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Click “Submit” to get an Application ID
Renewal Application (Online)
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Go to KMDC’s Official Website
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Choose “Arivu.Renewal”
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Enter registered mobile number → System fetches existing data
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Upload current academic year documents
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Pay a 12% security deposit on the previous loan
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Submit the renewal application
Necessary Documents for Application
Fresh Application
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Two passport-size photos
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Caste certificate
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Income certificate
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Aadhaar Card
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CET/NEET admission letter
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SSLC/10th marks card
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PUC/Diploma marks card
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Indemnity Bond (download from KMDC website)
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College bank details
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Bonafide/Study Certificate
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Self-declaration form (student + parent)
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College fee structure
Renewal Application
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Current Bonafide/Study Certificate
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College fee structure for renewal year
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Last year’s passed marks card
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College bank details
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Security deposit receipt (12% of the previous loan)
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Copy of KEA admission order
Frequently Asked Questions (FAQs)
Q: What is the maximum loan amount per year under the Arivu Scheme?
A: ₹5,00,000 per academic year.
Q: Who is eligible for this scheme?
A: Minority community students who are permanent residents of Karnataka with family income ≤ ₹8,00,000.
Q: Is the scheme applicable to students from other states?
A: No, only Karnataka residents are eligible.
Q: Which courses are covered under the scheme?
A: MBBS, B.E., B.Tech., MBA, MCA, LLB, BDS, B.Arch., B.Sc. in Agriculture, Pharma, and other professional courses.
Q: How is the loan disbursed?
A: The loan is disbursed directly to the student’s college bank account.
Q: Is the loan renewable each year?
A: Yes, students must renew their loan yearly by submitting the required documents and paying 12% of the previous year’s loan.
Q: Are students pursuing B.Arch and M.Arch eligible?
A: Yes, both B.Arch and M.Arch are included in the list of eligible courses.
Q: What if a student forgets to renew the loan?
A: Missing renewal deadlines may lead to discontinuation of the loan. Timely submission is essential.
Sources and References
- Track Application Status
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Contact: Reach out to your District KMDC Office for support
