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 people who can’t afford higher studies even if they are powerful in studies because of their financial conditions. Odisha Government learned 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.
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.
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|
|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.
Eligibility Criteria for Kalinga Sikhya Sathi Yojana (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 6 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
|03||Bank of Baroda|
|04||Bank of India|
|05||Bank of Maharashtra|
|06||Bharatiya Mahila Bank|
|09||Central Bank of India|
|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|
|24||Union Bank of India|
|25||United Bank of India|
|27||Axis Bank Ltd.|
|29||City Union Bank|
|34||Indus Ind Bank|
|36||Karur Vysya Bank|
|37||Kotak Mahindra Bank|
|38||Laxmi Vilas Bank|
|39||Standard Chartered Bank|
|40||The South Indian 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 Online for 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.
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.
Helpline Number for KSSY
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|
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FAQs for Kalinga Sikhya Sathi Yojana UPSC
Que: How much loan can we take under Kalinga Sikhya Sathi Yojana?
Ans: 10 lakhs
Que: Objective of KSSY Odisha?
Ans: 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.
Que: Who are eligible for Kalinga Sikhya Sathi Yojana?
Ans: Odisha State Students who want to get higher education but can’t afford due to their weak financial condition.
Que: Which is the Official Website of KSSY?
Que: What is interest rate under KSSY Scheme?
Ans: only 1%