[20 Lakh] Odisha Kalinga Sikhya Sathi Yojana 2023: KSSY Registration & How to apply for a Loan

( Odisha Kalinga Sikhya Sathi Yojana 2023 Registration, Login process, Benefits, Important Key Points, Eligibility Criteria, Required documents, Objective, list of Banks, online Application, offline application, helpline number, official website, how to apply, rate of interest etc.)

We know that, there are so many people who want to go for higher studies in our society. but at the other side there are many people who can’t afford higher studies even if they are powerful in studies because of their financial conditions. Odisha Government understands that this is a big problem in our society. That’s why They decided to launch Kalinga Sikhya Sathi Yojana.

If you want to go for a higher studies and you have a poor financial conditions then you are perfect for this Kalinga Sikhya Sathi Yojana of Odisha Government. If you want to get benefits of this scheme then you are on the right place. In this article, we introduce every points of this scheme. So, read carefully this article at the end.

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Odisha Kalinga Sikhya Sathi Yojana 2023 (KSSY)

we will Bolded important points in this article. so, that is easy for you to read.

What is Odisha Kalinga Sikhya Sathi Yojana?

Chief Minister of Odisha Mr. Naveen Patnaik launched Kalinga Sikhya Sathi Yojana on 27th June, 2016 for the Students who want to get higher education but their financial conditions are not so good. They will get loan up to 10 lakhs at the 1% of interest under the scheme. They all are apply for this scheme in both ways like online or offline mode. Big advantage of the scheme is period of repayment is longer up to 15 years. Short name of this scheme is KSSY.

Kalinga Sikhya Sathi Yojana Latest Update

All the updates and news of the scheme will be listed here.

Govt hikes loan limit up to 20 Lakhs under Kalinga Sikhya Sathi Scheme

Odisha Higher education department officially announced on 30th September that now students who want to take a education loan under Odisha Kalinga Sikhya Saathi Yojana are able to avail 20 lakhs loan amount instead of 10 lakhs. also state govt changes in the eligibility of the scheme before now this scheme criteria is those annual income is less than 6 lakh will become beneficiary but now those annual income less than 8 lakhs are too become beneficiary under the KSSY Scheme in Odisha.

Objective of Kalinga Sikhya Sathi Yojana

Main Objective to starting the Kalinga Sikhya Sathi Yojana is to provide loan for higher education to the student of parents who are unable to pay higher fees. In this scheme Odisha Government provide up to 10 lakhs amount at the interest rate of only 1%. Time period of repayment amount is 15 years for 10 lakhs loan amount. As well as for the loan of 7.5 lakhs, time period of repayment amount is 10 years.

Note: in this article you have to consider 20 lakhs loan whenever noted 10 lakh loan.

Important Key Points of Kalinga Sikhya Sathi Yojana

Scheme Name	Kalinga Sikhya Sathi Yojana
launched by	Chief Minister Naveen Patnaik
State of the scheme	Odisha
Beneficiary	Students of the State
Benefits	Get a loan up to 10 lakhs
Maximum Loan Amount	10 lakhs
Minimum Loan Amount	No limit
Rate of Interest	1%
Maximum time period for repayment	15 years
Minimum time period for repayment	10 years
Official Website	https://dhe.odisha.gov.in/
Telegram Channel	Click Here

Top 10 Benefits of Kalinga Sikhya Sathi Yojana 2023

• Kalinga Sikhya Sathi Yojana is only for students which economical condition is poor and unable to pay higher education.
• In the scheme, you can get maximum loan up to 10 lakhs.
• There are no Minimum loan amount.
• Repayment time period of the loan is maximum 15 years for the loan amount of 10 lakhs.
• Repayment time period of the loan is 10 years for the loan amount of 7.5 lakhs.
• There are only 1% of interest rate for the loan between 1 rupees to 10 lakhs.
• This is a golden opportunity given by the state government who want to get higher education.
• the burden of parents about higher education of their child can be reduced because of the Kalinga Sikhya Sathi Yojana.
• You have to pay only 10 thousands rupees for a loan amount of 10 lakhs.
• You can apply in this scheme on two ways either online or offline at your convenience.

Kalinga Sikhya Sathi Yojana Eligibility (KSSY)

If yoy want to get Benefitted from the scheme then you must have this eligibility criteria which are given under below.

• You have solid evidence residential proof of Odisha State.
• You are the students who want to get higher education.
• Your Family income should not exceed 8 lakhs per annum.
• That means you are really belongs to Weak Financial Condition.

Documents Required to Apply for Kalinga Sikhya Sathi Yojana

• Aadhaar Card – of the students for the proof of Residence.
• Last Passing Marksheet – to verify for higher studies.
• Annual Income Certificate – to verify your financial condition.
• Bank Details – such like Passbook, Account Number etc.
• Mobile Number – Regular Used
• Passport size Photograph
• PAN Card

Click here if you want to know about PM Samagra Swasthya Yojana

List of Banks under Kalinga Sikhya Sathi Yojana for Study Loan

No.	Bank Name
01	Allahabad Bank
02	Andra Bank
03	Bank of Baroda
04	Bank of India
05	Bank of Maharashtra
06	Bharatiya Mahila Bank
07	Canara Bank
08	Central Bank
09	Central Bank of India
10	Dena Bank
11	IDBI Bank
12	India Bank
13	India Overseas Bank
14	Oriental Bank of Commerce
15	Punjab & Sind Bank
16	Punjab National Bank
17	State Bank of Bikaner & Jaipur
18	State Bank of India
19	State Bank of Hyderabad
20	State Bank of Mysore
21	State Bank of Travancore
22	Syndicate Bank
23	UCO Bank
24	Union Bank of India
25	United Bank of India
26	Vijaya Bank
27	Axis Bank Ltd.
28	Bandhan Bank
29	City Union Bank
30	DCB
31	Federal Bank
32	HDFC Bank
33	ICICI Bank
34	Indus Ind Bank
35	Karnatak Bank
36	Karur Vysya Bank
37	Kotak Mahindra Bank
38	Laxmi Vilas Bank
39	Standard Chartered Bank
40	The South Indian Bank
41	Yes Bank
42	Orissa State Co-op. Bank

Important Message to Students of Professional Colleges

if you are a student of any professional course and you are availing the education loan after 01 April 2016 then you must convert the loan under Kalinga Sikhya Sathi Yojana. And you will be benefited following points below.

01) You can get the interest rate of your education loan only 1% because of KSSY.

02) Your interest repayment terms will change according to KSSY, after completion of your course.

Registration process for Kalinga Sikhya Sathi Yojana

Step 1: if you want to Register under Kalinga Sikhya Sathi Yojana then first of all you have to open Official Website.(https://dhe.odisha.gov.in/)

Step 2: Home Page appear in front of you. Where you choose to click on “click here to apply”.

Step 3: Now a new page open IN front of you. Where you choose Register button top right side corner.

Step 4: A new page appear before you. Where you fill all the information like Name, email, Mobile no. And create a strong password. (Must read important instructions display right side of the form)

Step 5: Now you have to fill Captcha code and click on I Agree Check Box.

Step 6: After filling all information you have to click on Submit Button.

In this way you can Register under KSSY for a Study Loan

How to apply for Kalinga Sikhya Sathi Yojana (KSSY Study Loan)

If you are registered as explained upper that means you have email and password.

Step 1: if you are apply for a Study Loan then you must to open Official Portal (https://www.vidyalakshmi.co.in/)

Step 2: Home Page will appear. Where you have to choose Login Button located at the top right side corner.

Step 3: Where you have to click on Student Login. After that you have to enter email ID, password and captcha code and then click on the Login.

Step 4: Now in a new page you have to click on Apply under this KSSY Scheme. After that application form appear in front of you.

Step 5: In the application form you have to enter all the required information and then upload required documents.

Step 6: Now you have to click on Submit Button.

in this way you apply online for KSSY Study Loan.

Odisha State Govt Starts Mukhyamantri Shiksha Puraskar Yojana to motivate students as well as teachers.

How to Apply Offline for KSSY Study Loan

Procedure for offline application under Kalinga Sikhya Sathi Yojana for Study Loan

Step 1: First of all, go to the nearest bank (in the bank where you want to apply).

Step 2: Now go to the inquiry window and ask for the Kalinga Sikhya Sathi Yojana application form.

Step 3: Now you have to fill all the details given in the form and attach all the required documents with the application form.

Step 4: Now you have to Submit this application form to the bank.

By following this procedure you can apply offline under this KSSY Scheme.

Process for Lodge Grievance

Step 1: Go to the Official Website of Higher education department of Odisha government.

Step 2: in the home page you have to click on Kalinga Sikhya Sathi Yojana.

Step 3: A new page appear where you have to click on Grievance box.

Step 4: After that grievance form appear on the screen.

Step 5: Now you have to fill important details like name, email, address, message, mobile number and captcha code.

Step 6: After filling the information you have to click on Submit button.

in this way you apply for Lodge Grievance.

How we can search for a loan procedure in KSSY

Step 1: First of all go to the Official Portal of Vidya Lakshmi. (https://www.vidyalakshmi.co.in/)

Step 2: On the home page of portal, you have to click on Search for Loans.

Step 3: Now you have to enter email ID, password and captcha code.

Step 4: After filling Login details you have to click on Login button.

Step 5: Now IN front of you all the available loans will be displayed on your device.

Kalinga Sikhya Sathi Yojana helpline number

If you want to apply under the scheme and you have a question arround the procedure of the KSSY Scheme then you got a guidence from the helpline number as well as email given below.

Helpline Number	020 – 25678300
Telegram Channel	Click Here
Home Page	Click Here
Register for the KSSY	Click Here
E-mail	[email protected]

Also Read:

• PM Samagra Swasthya Yojana
• PM Wani Yojana
• Masked Aadhaar Card
• Mukhyamantri Baal Aashirwad Yojana

FAQs for Kalinga Sikhya Sathi Yojana UPSC