Odisha Kalinga Sikhya Sathi Yojana supports many students in Odisha who want to continue their studies but can’t afford it. This scheme by the Odisha government provides easy educational loans for higher education. In this article, you’ll find all the latest information about the Kalinga Sikhya Sathi Yojana 2025, including how to apply, benefits, eligibility, and important details.
About Kalinga Sikhya Sathi Yojana 2025
Kalinga Sikhya Sathi Yojana was started by Odisha Chief Minister Mr. Naveen Patnaik on 27th June 2016 to help students from Odisha who want to pursue higher education but don’t have the money. With this scheme, students can get an educational loan up to Rs 10 lakh at just 1% interest. Odisha’s Higher Education Department covers the rest of the interest. This lowers the financial burden on families and helps students study courses like engineering, medicine, law, management, and more.
If your loan is up to Rs 7.5 lakh, you have 10 years to repay it. For loans up to Rs 10 lakh, the repayment period is 15 years. Educational loans are available from scheduled banks under this scheme.
Main Details of Kalinga Sikhya Sathi Yojana 2025
| Scheme Name | Kalinga Sikhya Sathi Yojana |
| Launched By | Mr. Naveen Patnaik, Chief Minister of Odisha |
| Who Can Benefit | Students of Odisha |
| Purpose | Providing Educational Loans for Higher Studies |
| Official Website | https://dhe.odisha.gov.in/ |
| Scheme Year | 2025 |
| State | Odisha |
| Type | Government Scheme |
| How to Apply | Online / Offline |
| Loan Amount | Up to Rs 10 lakh |
| Repayment Period | 10 years for loan up to Rs 7.5 lakh, 15 years for loan up to Rs 10 lakh |
| Interest Rate | 1% |
Goal of the Scheme
The main aim of the Kalinga Sikhya Sathi Yojana is to provide educational loans to students from Odisha who want to study further but face money problems. This scheme helps reduce the financial pressure on parents and students. It allows students to freely choose their field of study, helping raise education levels in Odisha. It can also help more young people gain skills and find better jobs.
Loan Details
| Maximum Loan | Rs 10 lakh |
| Minimum Loan | No minimum limit |
| Repayment Time | 10 years for loans up to Rs 7.5 lakh; 15 years for loans up to Rs 10 lakh |
| Interest Rate | 1% |
Banks Offering Loans Under the Scheme
| 1. | Allahabad Bank |
| 2. | Andhra Bank |
| 3. | Bank of Baroda |
| 4. | Bank of India |
| 5. | Bank of Maharashtra |
| 6. | Bharatiya Mahila Bank |
| 7. | Canara Bank |
| 8. | Central Bank of India |
| 9. | Dena Bank |
| 10. | IDBI Bank |
| 11. | India Bank |
| 12. | Indian Overseas Bank |
| 13. | Oriental Bank of Commerce |
| 14. | Punjab and Sind Bank |
| 15. | Punjab National Bank |
| 16. | State Bank of Bikaner and Jaipur |
| 17. | State Bank of Hyderabad |
| 18. | State Bank of India |
| 19. | State Bank of Mysore |
| 20. | State Bank of Travancore |
| 21. | Syndicate Bank |
| 22. | UCO Bank |
| 23. | Union Bank of India |
| 24. | United Bank of India |
| 25. | Vijaya Bank |
| 26. | Axis Bank Limited |
| 27. | Bandhan Bank |
| 28. | City Union Bank |
| 29. | DCB Bank |
| 30. | Federal Bank |
| 31. | HDFC Bank |
| 32. | ICICI Bank |
| 33. | Indusind Bank |
| 34. | Karnataka Bank |
| 35. | Karur Vysya Bank |
| 36. | Kotak Mahindra Bank |
| 37. | Lakshmi Vilas Bank |
| 38. | Standard Chartered Bank |
| 39. | The South Indian Bank Limited |
| 40. | Yes Bank |
| 41. | Odisha State Cooperative Bank |
Benefits and Features of Kalinga Sikhya Sathi Yojana
- Started by Odisha Chief Minister Mr. Naveen Patnaik in 2016
- Offers education loans up to Rs 10 lakh at 1% interest
- Odisha’s Higher Education Department pays the remaining interest
- Covers courses like medical, engineering, law, and management
- Repayment period up to 15 years depending on loan amount
- Loans available at scheduled banks only for Odisha students
- Family income should not be more than Rs 6 lakh annually
- No interest during the moratorium (study) period
What is the Moratorium Period?
During the moratorium period, usually the study time plus one year, you don’t need to pay any EMIs. This period frees you from loan repayments while you finish your courses. The government helps by covering the interest during both the moratorium and repayment periods, making the loan easier to handle.
Eligibility Requirements
- You must be a permanent resident of Odisha
- Your family’s annual income must not exceed Rs 6 lakh
- You should not be receiving benefits from similar government schemes
- Loan terms vary based on individual bank rules
- Banks have the final say on loan approval
Documents Needed to Apply
- Aadhar card
- PAN card
- Bank passbook
- Income certificate
- Marksheet of last exam passed
- Ration card
- Mobile number
- Passport-size photo
How to Apply for the Kalinga Sikhya Sathi Yojana Loan
- Go to the Higher Education Department Odisha official website
- Click on the “Kalinga Sikhya Sathi” link
- Click on “Apply Here”
- Select “Register” and enter your details like name, mobile number, email, and password
- After registering, log in using your email and password
- Click on “Apply” under the scheme and fill out the application form
- Upload the required documents and submit the form
How to Login to the Portal
- Go to the official Vidya Lakshmi website
- Click on “Login” on the homepage
- Select student, bank, or government login depending on your role
- Enter your username, password, and captcha code
- Click Submit to log in
Offline Application Process
- Visit the nearest scheduled bank branch
- Ask for the Kalinga Sikhya Sathi Yojana application form
- Fill out the form carefully with your details
- Attach all required documents
- Submit the form at the bank
How to File a Complaint (Grievance)
- Visit the Higher Education Department Odisha website
- Click on “Kalinga Sikhya Sathi”
- Select the “Grievance Box” option
- Fill out the form with your name, email, phone, address, and message
- Enter the captcha and submit
Checking Loan Options
- Go to the Vidya Lakshmi loan portal
- Log in with your email and password
- Click on “Search for Loans”
- View the list of available educational loans from different banks
Contact for Help
- Helpline Number: 020-25678300
- Email: vidyalakshmi@nsdl.co.in
This guide gives you all the latest details to apply for the Kalinga Sikhya Sathi Yojana 2025 and get educational loan support easily if you live in Odisha and want to continue your higher education without money worries.