Answer Book question
Education loans from banks under the model scheme with interest subsidy for eligible income groups, state scholarships through the e-grantz portal for categories and merit, central scholarships on the National Scholarship Portal, and specific support for professional courses and overseas study. Income certificates and marks are the gatekeepers.
Education loans from banks under the model scheme with interest subsidy for eligible income groups, state scholarships through the e-grantz portal for categories and merit, central scholarships on the National Scholarship Portal, and specific support for professional courses and overseas study. Income certificates and marks are the gatekeepers.
A nursing student from Pathanamthitta is paying full interest on her loan. Her family income qualifies for a moratorium-period interest subsidy she never applied for. Applying recovers a significant sum.
Education support is split between loans (repayable, with possible subsidy) and scholarships (not repayable, merit or category based). Both require annual applications.
Income certificate Category Course and institution whether you may qualify Loan amount and subsidy window Scholarship portals and deadlines
Missing annual scholarship deadlines.
e-grantz for state scholarships; banks for loans; Kerala Rising can map both for a student's profile.
Loan ₹6 lakh + interest subsidy during study + one state scholarship = meaningful reduction in family burden.
Above-income families: loans are available but subsidies are not.
Get the income certificate Apply on both portals Check the loan's subsidy whether you may qualify
How do I find out what schemes I am eligible for?
Students · Family support
Scheme notifications from Government of Kerala departments (Industries, Agriculture, Social Justice, Fisheries, Kudumbashree) · Central scheme guidelines (PMEGP, PM-FME, PMAY, PMJJBY/PMSBY, Atal Pension Yojana) · Kerala Rising Business Money Library. each scheme page carries its own checking date Rates, limits and whether you may qualify change. Confirm with the official source. Ask Kerala Rising: Tell us who you are (age, district, occupation, category) and what you want to do.
We will run the whether you may qualify check and tell you which schemes are real for you. and which are not. com Kerala Rising › Loans, grants & subsidies · Schemes 11
This page is general orientation, not personal insurance, investment, medical, legal, lending, tax, or professional advice. Rules, rates, benefits, and claim or application decisions can change. Confirm the current position with the named official source and use a licensed or qualified professional where your situation requires one. Kerala Rising does not decide whether you may qualify, approve claims, or promise an outcome.