The Karnataka Minorities Development Corporation (KMDC) has launched the Arivu Education Loan 2025 scheme to support students from minority communities pursuing higher education. [ಕರ್ನಾಟಕ ಸರ್ಕಾರದ ಅಲ್ಪಸಂಖ್ಯಾತ ವಿದ್ಯಾರ್ಥಿಗಳಿಗೆ ಶಿಕ್ಷಣ ಸಾಲ ನೀಡಲು ಅರಿವು ಯೋಜನೆಯನ್ನು ಪ್ರಾರಂಭಿಸಿದೆ] This program offers financial assistance up to ₹5 lakh at subsidized interest rates.

Key Highlights of Arivu Loan 2025

Loan Amount: Up to ₹5,00,000

Interest Rate: Only 4% per annum

Eligibility: SC/ST/OBC/Minority students of Karnataka

Application Period: July 1 - August 31, 2025

[ಯೋಗ್ಯತೆ: ಕರ್ನಾಟಕದ ಎಸ್ಸಿ/ಎಸ್ಟಿ/ಒಬಿಸಿ/ಅಲ್ಪಸಂಖ್ಯಾತ ವಿದ್ಯಾರ್ಥಿಗಳು]

About Arivu Education Loan Scheme

The Arivu scheme was introduced by the Karnataka government to provide affordable education loans to economically disadvantaged students from minority communities. [ಈ ಯೋಜನೆಯು ಆರ್ಥಿಕವಾಗಿ ಹಿಂದುಳಿದ ವಿದ್ಯಾರ್ಥಿಗಳಿಗೆ ಶಿಕ್ಷಣ ಸಾಲವನ್ನು ನೀಡುತ್ತದೆ] According to Vijay Karnataka reports, over 15,000 students benefited from this scheme in 2024.

Loan Coverage

The loan covers various educational expenses including:

  • College/university tuition fees
  • Hostel and mess charges
  • Study materials and equipment
  • Examination fees
  • [ಕಾಲೇಜು ಶುಲ್ಕ, ಹಾಸ್ಟೆಲ್ ಖರ್ಚು, ಪುಸ್ತಕಗಳು ಮತ್ತು ಇತರೆ ಶಿಕ್ಷಣ ಸಂಬಂಧಿತ ಖರ್ಚುಗಳು]

Eligibility Criteria

To apply for the Arivu Education Loan 2025:

  • Must be a permanent resident of Karnataka
  • Belong to SC/ST/OBC or minority community
  • Admitted to recognized educational institution in India
  • Family income less than ₹8 lakh annually
  • [ಅರ್ಜಿದಾರರು ಕರ್ನಾಟಕದ ಶಾಶ್ವತ ನಿವಾಸಿಯಾಗಿರಬೇಕು ಮತ್ತು ಅಲ್ಪಸಂಖ್ಯಾತ ಸಮುದಾಯಕ್ಕೆ ಸೇರಿರಬೇಕು]

How to Apply for Arivu Loan 2025

Follow these steps to submit your application:

  1. Visit the official KMDC portal
  2. Register with your mobile number and email
  3. Fill the Arivu Loan application form
  4. Upload required documents (caste certificate, income proof, admission letter)
  5. Submit the application before August 31, 2025
  6. [ಅರ್ಜಿಯನ್ನು ಸಲ್ಲಿಸಲು ಕೆಎಂಡಿಸಿ ಅಧಿಕೃತ ವೆಬ್ಸೈಟ್ ಭೇಟಿ ನೀಡಿ]

Required Documents

  • Aadhaar Card
  • Caste/Community Certificate
  • Income Certificate
  • Admission Letter from Institution
  • Bank Account Details
  • Passport Size Photographs
  • [ಆಧಾರ್ ಕಾರ್ಡ್, ಜಾತಿ ಪ್ರಮಾಣಪತ್ರ, ಆದಾಯ ಪ್ರಮಾಣಪತ್ರ, ಪ್ರವೇಶ ಪತ್ರ]

Loan Repayment Terms

The Arivu Education Loan offers flexible repayment options:

  • Moratorium period of 6 months after course completion
  • Repayment tenure up to 5 years
  • Simple interest calculation during study period
  • [ಕೋರ್ಸ್ ಪೂರ್ಣಗೊಂಡ ನಂತರ 6 ತಿಂಗಳ ಮೊರೇಟೋರಿಯಂ ಅವಧಿ ಮತ್ತು 5 ವರ್ಷಗಳ ವಾಪಸಾತಿ ಅವಧಿ]