Kalinga Sikhya Sathi Yojana 2023: Registration & Login, Search For Loan

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Odisha Kalinga Sikhya Sathi Yojana Application Form | How to apply for Kalinga Sikhya Sathi Yojana | Odisha Govt. Education loan scheme| Kalinga Sikhya Sathi Scheme Search for Loan | Kalinga Sikhya Sathi Yojana Registration

Education plays a very important role in each one’s life and in today’s condition education is necessary. But many students can’t able to pursue the proper education due to financial conditions. Keeping this major problem in highlight, Odisha Government has launched the ” Kalinga Sikhya Sathi Yojana (KSSY)“. In this scheme the Odisha govt. will provide the loans to students for higher education.

In this article you will get to know how to do Kalinga Sikhya Sathi Scheme Online Registration , କାଲିଙ୍ଗା ଶିଖ୍ ସାଥୀ ଯୋଜନା | ଅନଲାଇନ୍ ଆବେଦନ, ପଞ୍ଜୀକରଣ ଫର୍ମ, ଉଦ୍ଦେଶ୍ୟ, ଯୋଗ୍ୟତା, ଲାଭ . Kalinga Sikhya Sathi Yojana (KSSY) Education Loan Application Form PDF Download, Beneficiary List, Check online application and payment status from official website dheodisha.gov.in / www.vidyalakshmi.co.in . Read the article till end for complete information.

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କାଲିଙ୍ଗା ଶିଖ୍ ସାଥୀ ଯୋଜନା | 2023: Kalinga Sikhya Sathi Yojana Loan Status News Update

Latest News Update: Kalinga Sikhya Sathi Yojana (KSSY) Educational Loan @www.vidyalakshmi.co.in
Govt. of Odisha will provide the loan at 1% interest. This will help the poor students financially and to take higher education. This is a great decision taken by the Odisha govt. to help the poor students whose family background is not stable. Now students can easily pursue the higher education without any financial tension.
This will help to improve the education facility and living culture of poor people.

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Kalinga Sikhya Sathi Yojana 2023 (KSSY)

Education plays a vital role in life and without education no one can achieve there dreams. It’s very necessary that we all must have a basic education. Keeping this thing in mind the Odisha Chief Minister Mr. Naveen Patnaik has introduced the Kalinga Sikhya Sathi Yojana on 27th June 2016.

This scheme is mainly introduced for students of Odisha who want to take the higher education. The Govt. of Odisha will provide the education loan up to Rs 10 Lakh at only 1% rate of interest. The remaining interest will be paid by the Higher Education Department of Odisha Government.

The scheme will helps to reduce the financial burden of education on students as well as parents. Under this scheme all courses like Law, Management, Engineering, Medical etc will be covered.

If you are taking loan up to Rs. 7.5 lakh then the repayment period of loan amount will be of 10 years, but in case you are taking loan of Rs. 10 Lakh then the repayment period will be of 15 Years. There are list of banks from where the students can take loans.

Sometimes the college courses are quiet expensive due to which the scholar students who have financial issues are not able to take admission. But under this scheme the students who are willing to continue the study can now take education at only 1% rate of interest and develop their life.

Check Loan Amount Under Kalinga Sikhya Sathi Yojana

Maximum AmountRs 10 Lakh
Minimum AmountNo Minimum Limit
Repayment Period10 Years In Case Of Loan Upto Rs 7.5 Lakh And 15 Years In Case Of Loan Upto Rs 10 Lakh
Rate Of Interest1%

Kalinga Sikhya Sathi Yojana KSSY Overview

Scheme NameKalinga Sikhya Sathi Yojana (KSSY)
 Languageକାଲିଙ୍ଗା ଶିଖ୍ ସାଥୀ ଯୋଜନା |
Introduced byChief Minister Of Odisha Mr Naveen Patnaik
BeneficiariesStudents Of Odisha
BenefitEducational loan to the poor students
Application TypeOnline/Offline
Loan AmountUpto Rs 10 Lakh
Repayment Period10 Years In Case Of Loan Upto Rs 7.5 Lakh And 15 Years In Case Of Loan Upto Rs 10 Lakh
Rate Of Interest1%
Objective of SchemeTo Provide Educational Loan
Scheme underState Government
Name Of StateOdisha
Post CategoryScheme/ Yojana
Official Websitedheodisha.gov.in

Short Details about the scheme Kalinga Sikhya Sathi Yojana

Students can get loan under Kalinga Sikya Sathi Yojana from the scheduled banks in order to pursue the higher education. Up to Rs.10 Lakh loan will be provided to the students. Check below for more details,

Maximum Loan: In Kalinga Sikhya Sathi Scheme students can get maximum Rs. 10 lakh as an educational loan.

Minimum Loan : Minimum amount is not mentioned in the scheme. You can get loan up to 10 lakh.

Period of Loan : If you are taking loan up to Rs. 10 lakh then repayment period is of 15 Years and suppose if you are taking loan of Rs. 7.5 Lakh then repayment period is 10 years.

Interest Rate : The applicants have to pay only 1% rate of interest and remaining will be paid by the Odisha Govt.

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Kalinga Sikhya Sathi Yojana Objective

The main objective to launch the Kalinga Sikhya Sathi Yojana is to provide educational loans to all those students who want to take the higher education, but due to the financial issue they are unable to take the higher education. But now with the help of this scheme the financial burden from students as well as parents will be reduce.

Now the citizens of Orissa can easily pursue any education without worrying about the fees. This will help and increase the level of education environment as well as literacy ratio of the state.

Because of this scheme the employment in the state and country will increase since students become educated and self dependent. Education brings a confidence with in our-self which makes all your dreams come true.

Now those who have to skip their education in middle because of financial issue can now continue with their higher education. Maximum loan of Rs. 10 lakh will be given and Minimum Rs. 7.5 Lakh. Many banks are included in this scheme to provide the educational loans.

Below are the list of Bank Name from which the students can easily take the Kalinga Sikhya Sathi Educationa Loan.

List of empanelled banks under KSSY

 Allahabad BankBank of BarodaBharatiya Mahila Bank
Andhra BankBank of IndiaBank of Maharashtra
Canara BankCentral Bank of IndiaDena Bank
Indian Overseas BankIDBI BankIndusInd Bank
Indian bankOriental Bank of CommercePunjab and Sind Bank
Punjab National BankState Bank of IndiaState Bank of Mysore
State Bank of Bikaner & JaipurState Bank of TravancoreState Bank of Hyderabad
UCO BankAxis Bank LimitedKarnataka Bank
Syndicate BankICICI BankBandhan Bank
HDFC BankUnion Bank of IndiaFederal Bank
Karur Vysya BankDCB BankCentral Bank
City Union BankLakshmi Vilas BankKotak Mahindra Bank
Odisha State Cooperative BankSouth Indian BankStandard Chartered Bank
Vijaya BankUnited Bank of IndiaYes Bank

Benefits And Features of Kalinga Sikhya Sathi Yojana

  • Odisha Cheif Minister Mr. Naaveen Patnaik have launched the Kalinga Sikhya Sathi Yojana.
  • The Kalinga Sikhya Sathi Scheme was launched on 27 June 2016 for the students to pursue the higher education.
  • Under this scheme, the Orissa Govt. provides the Financial help to students by providing them a educational Loan up to Rs. 10 Lakh.
  • The beneficiary have to pay only 1% rate of interest.
  • The remaining rate of interest will be paid by the higher education department of Govt. of Odisha.
  • Under this scheme all Schemes will be covered like Law, Medical , Engineering, Management.
  • If you are taking loan up to Rs. 7.5 lakh then repayment period will be of 10 years.
  • And if Loan amount is Rs.10 Lakh then repayment period will be of 15 years.
  • Only the resident of Odisha can apply for this scheme.
  • The annual family income must not be more than Rs. 600000 per annum.
  • During Moratorium period the rate of interest is Zero.
  • There are Scheduled banks for taking a educational loan.

Eligibility Criteria for Odisha Kalinga Sikhya Sathi Yojana

  • Applying student must be a resident of Odisha State.
  • The annual income of family must not be more than Rs. 6 Lakh per annum.
  • Schedule bank authority will hold the process of application loan.
  • Applicant applying for this scheme must not be getting benefit of other similar scheme form Central or State Govt.
  • The poor students who are willing to take admission in higher education can apply for this scheme.

Documents Required to Get Education Loan under KSSY

  • All Education Certificates which includes documents showing the admission to a technical/professional course.
  • Income Certificate issued by Tahasildar and Additional Tahasildar or Self Certified copy of IT return.
  • Residential Certificate issued by Tahasildar.
  • Aadhar card
  • PAN card
  • Bank passbook
  • Marksheet of last passed examination
  • Ration card
  • Mobile number
  • Passport size photograph

Courses List under Kalinga Sikshya Sathi Yojana Loan

The scheme is launched for higher studies only. Below is the list of courses which are regular course and special course.

  • Medical course (MBBS / MD)
  • Law courses (LLB / LLM)
  • Management courses (BBA / MBA / MBM)
  • Engineering courses (Mechanical / Electrical / Civil / Computer)
  • Other Vocational Courses

Modification In Interest Subvention Scheme for KSSY

On 10 August 2016 the higher education department has made a modification. In that it was stated that the scheme will be helpful for the students who want take a education loan for higher studies. In this scheme all courses are included like Management, Integrated Law, Engineering or Medical from any institution established by the acts of parliament or by any state legislature.

KSSY Moratorium period of loan

Courses of Study Covered under KSSY 

In KSSY Scheme we can apply for all the courses in which the Government of India Interest Subvention is applicable as per the CSIS Scheme in order to provide the interest subsidy.

Interest Subvention in Moratorium Period of Kalinga Sikhya Sathi Yojana

The Moratorium Period means a time period in which the borrower is not obliged to make repayment of the loan. In this period borrower is not required to make payment of any EMI.

We can say it’s kind of waiting period. For education loan the moratorium period is a period of course which includes one year and it varies from bank to bank. In this scheme the Govt. provides the financial assistance by subventing the interest of repayment and moratorium period once the course is completed.

Kalinga Sikhya Sathi Scheme Registration Procedure

Eligible students can now apply for the educational Loan Under KSSY Odisha in 2 ways – online and offline. Vidya Lakshmi Portal hosts this scheme and from there students can apply. Check below how to apply for Kalinga Sikhya Scheme.

How To Apply Under Kalinga Sikhya Sathi Yojana

  • Visit the official website of the Higher Education Department, Government of Odisha
  • The home page will appear.
Kalinga Sikhya Sathi Yojana
KSSY Educational Loan
Vidya Lakshmi
  • After that, you have to click on the register.
create account in Kalinga Sikhya Sathi
  • A new page will appear on the screen
  • In this new page you have to enter the following information:-
    • First name
    • Middle name
    • Last name
    • Mobile number
    • Email ID
    • Password
    • Captcha code
  • After filling all the details asked you have to click on submit
  • Next click on the login
  • After that, click on the student login
student login
  • Now enter your email id, password, and captcha code
  • After that, you have to click on the login option.
  • Now you have to click on apply under this scheme
  • After that application form will appear on the screen
  • In this application form, you have to enter all the required details like your name, email, phone number, etc
  • Upload all the important documents required
  • And finally click on submit button
  • By following this procedure you can apply for the KSSY Yojana

Procedure To Login On The Portal

procedure to login on Kalinga Sikhya Sathi Portal
  • Homepage will appear on the screen.
  • On the home page click on the login option.
  • The following options will appear on the your screen you
Student log in for Kalinga Sikhya Sathi
Kalinga Sikhya Sathi Bank Login
Kalinga Sikhya Sathi Government login
  • You click on the option of your choice
  • After that enter a username, password, and captcha code
  • Next click on the login
  • By following this procedure you can easily log in to the portal

Offline Application Procedure Of Kalinga Sikhya Sathi Yojana

  • First visit the nearest bank.
  • Now from the inquiry window ask for the application form of Kalinga Sikhya Sathi Yojana.
  • Next fill the application form by entering all the details asked like your name, mobile number, email id etc.
  • After filling the application form attach the documents to the form.
  • Now submit the application form to the same bank.

How To Lodge Grievance

  • Visit the official website of the Higher Education Department, Government of Odisha
  • KSSY Home page will appear on the screen.
  • Now click on Kalinga Sikhya Sathi
  • After that, you have to click on the grievance box
how to lodge grievance of Kalinga Sikhya Sathi
  • Grievance form will appear on the screen.
  • In this grievance form you are required to enter the following details:-
    • Name
    • Email
    • Mobile number
    • Address
    • Message
    • Captcha code
  • After filling the details check the details enter are correct or not.
  • Next click on submit

How To Search For Loans

  • Visit the official website of Vidya Lakshmi.
  • Homepage will appear on your screen.
  • Now click on the Search for loans.
search for loans
  • Here you need to enter your email id, password, captcha code.
  • Next, click on the Login option.
  • Now click on the search for loan option.
  • List of all available loans will be displayed on your screen.

Kalinga Sikhya Sathi Yojana Important Links

Department of Higher Education Odisha Official WebsiteClick here
Vidhya Lakshmi Official PortalClick here
Apply Online for Kalinga Sikhya Sathi YojanaClick here
Student LoginClick here
Search for LoansClick here

Helpline Number 

The contact number and email ID is as follows:-Helpline Number- 020-25678300
Email Id- [email protected]
Head Office Working Hours- Monday to Friday – 9:30 am to 6 pmTimes Tower, 1st Floor, Kamala Mills Compound, Lower Parel, Mumbai, Maharashtra 400013

For more update

YouTubeClick Here
TelegramClick Here
FacebookClick Here

Kalinga sikhya sathi yojana (Conclusion)

KSSY scheme services and all other information available in this article. Benefits of this portal, important required documents, registration process and kalinga sikhya sathi yojana eligibility etc. If you have any issue about this website you can contact on helpline number which is available on kssy odisha portal.


What is “Kalinga Sikshya Sathi Yojana (KSSY)”?

Kalinga Sikshya Sathi Yojana is an educational loan scheme for the students who want to pursue their higher studies. The loan will be provided to any poor student, who secures admission in any professional or technical course in any University or IIM or any educational institution set up by an Act of Parliament or by State Legislature.

How will the eligible student apply for the “Kalinga Sikshya Sathi Yojana (KSSY)”?

It is permissible for the student to submit through Vidyalakshmi portal or offline to the concerned Bank by approaching the concerned Branch Manager directly.

What will be the maximum and minimum loan amount under “KSSY” Scheme?

-According to the scheme, there is no minimum loan amount mentioned in the scheme. A student can get maximum of 10 lakh rupees as an educational loan under this scheme.

What is the moratorium period?

The moratorium period is governed by the Central Scheme to provide Interest Subsidy (CSIS) on Education Loan. The course period plus one year, or, six months after getting the job, whichever is earlier, is the moratorium period.

When will the student need to start to repay the loan?

The loan repayment will commence as soon as the moratorium period ends.

Is this KSSY scheme providing any special facility to reserved category students?

The scheme provides ample opportunities to the students from ST and SC communities and girl students to avail the benefits of interest subvention. However, there is no differential rate of interest.

Where can I get further information about KSSY ?

Grievance box on this website can be used to elicit further information.

What is the interest rate provided under this scheme?

Under the Kalinga Sikshya Sathi Yojana, the interest rate on education loans is as low as 1% per annum. However, the actual interest rate may vary depending on various factors, such as the loan amount and the repayment period.

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