ARIVU LOAN SCHEME (Education Loan) KMDC 2020|How to Apply, Eligibility, Benefits, Application form

ARIVU LOAN SCHEME (Education Loan) KMDC 2020|How to Apply, Eligibility, Benefits, Application form

About Arivu (Education Loan) Scheme KMDC

Arivu education loan scheme is an initiative by govt of Karnataka under the Karnataka Minorities Development Corporation Ltd., (KMDC). Under this scheme, religious minority students who are desirous for pursuing professional courses like Bachelors degree Courses, Medical, Engineering, Dental, Master Degree Courses, Diploma Courses, Nursing, B.Ed, BBM, BCA, D.Ed, D-Pharma, Pharma-D, ITI are provided financial assistance ranging from Rs.10,000/- to Rs.75,000/- per year till the completion of the course.


  • The applicant should be a permanent resident of Karnataka.
  • The applicant should be belonging to minority communities (Muslim, Christian, Jain, Buddhist, Sikh, and Parsi).
  • Students pursuing Bachelor’s degree Courses, Engineering, Medical, Dental, Master’s Degree Courses, Diploma Courses, Nursing, B.Ed, D.Ed, B-Pharma, D-Pharma, etc click here to find the complete list of courses eligible for Airvu loan.
  • Applicant family income should be less than 2.5 lakhs from all the sources of income.
  • Students of minority communities who have applied for CET, NEET, and who wish to avail ARIVU Educational loan from KMDC.

Benefits Of Arivu Loan Scheme KMDC

Financial assistance ranging from Rs.20,000/- to Rs.75,000/- per year till the completion of the course. Please click here to know courses wise loan grant.

How To Apply for Arivu loan?

The following steps to be followed to apply for Arivu 2 Loan

Step 1: Go to the Karnataka minorities development corporation website.

Step 2: Click on Arivu-2 then click on the Arivu Online Application web link.

Step 3: Click on the category of your eligible Fresher or renewal.

Step 4: Fill all the details required by the application.

Step 5: Save the application and take a printout of acknowledgment.

Step 6: Attach all the required documents to make a file of acknowledgment and documents.

Step 7: Submit the file to the KMDC district office.

Documents Required For Arivu Loan Scheme KMDC

  1. 4 Passport Size Photograph of the candidate.
  2. Income and Caste Certificate.
  3. Ration card/Aadhar card/Telephone Bill/Water Bill/Keb Bill. (Address Proof).
  4. CET/NEET Admission Ticket.
  5. SSLC Marks Card and 2 PUC marks card.
  6. Study Certificate (Present Course Non-CET).
  7. Indemnity Bond.
  8. College Fee Structure (Non-CET).
  9. The Previous year passed marks card (Non-CET).
  10. Partial recovery receipt (Renewal).
  11. Fee Structure.
  12. College bank details.

Important Dates

The last dates for the Arivu Loan application are announced on KMDC Web.

KMDC Bengaluru Address

Karnataka Minorities Development Corporation Ltd
Vishveswarayya Centre, 12th Floor,
Main Tower, Dr. B. R. Ambedkar Veedi,
Bangalore – 560001

Important Links

KMDC Website

Arivu Scheme

Indemnity Bond Download

Frequently Asked Questions

1. What’s a Registration ID?

This is an alphanumeric ID that’s generated when a student applies online for seeking ARIVU loan and data gets saved. The applicant will get this Registration id via SMS to the mobile number that he/she has entered within the application. The applicant should remember this Registration ID for all future correspondence with KMDC, so please note it down.

2. What’s CET Number?

CET Number is the Common Entrance Test application number and is mandatory to enter for CET students who are appearing for CET.

3. What’s a NEET Number?

NEET Number is the National Eligibility cum Entrance Test application number if the applicant is taking NEET and needs to avail NEET fee amount as loan through the KMDC Arivu Loan scheme.

4. What to try do after entering data online?

Save the info using Save Button, take the print out of the application and verify for the information entered if any correction is required then do the subsequent –

  • Click Modify Application Link
  • Enter Registration ID
  • IF you’ve got forgotten Registration ID, click on Forgot Registration ID Link
  • Enter your SSLC /10th Std Number to urge SMS for your Registration ID
  • Enter the Registration ID
  • Click on Get OTP to get SMS for OTP, you’ll use Resend OTP option if you do not get OTP
  • Key in OTP to edit the info in the Arivu online application, after making the modifications, Save the info
  • Take the Print of the modified form and verify it. It’s possible to switch the info any number of times till you submit the paper copy (Hard copy) which will have a QR code to the District office. Once the text is submitted to the respective District Office, you cannot modify the info. Only print out taken from the KMDC website with a QR code is going to be accepted in the District Office. No other application is going to be accepted.
  • After verifying application for correctness, click on Submit Button, the appliance is going to be sent Online to District office.
  • You will receive the SMS after Submission, further you won’t be to make any changes in the application.

5. Where to submit the printed application?

Fill the Declaration & Sign the application; submit the application to the KMDC district office alongside the copies of the specified documents.

6. After submission of the application at the District office, what next?

The status of the application is often checked by clicking on the link provided on the web site at any point of your time.

7. You’ll traverse to any page using the menu.

8. You can also preview and download the application using the Print/View menu option.

9. Indemnity bond format is often downloaded from the home page.

10. For any queries, you can contact the helpline provided on the home page.

Arman Singh

Young & Energetic, does what he likes, spends most of the day at work free time plays PUBG.

This Post Has 76 Comments

  1. Thank you , your website is truly helpful!

    1. Can i apply for loan

      1. Please refer to our article on KMDC Arivu loan I have written complete details.
        If you don’t understand anything feel free to clarify.

        1. how interest rate is applicable for renewal?

          1. KMDC charge 12% as Service Charges on Loan Amount of last year. Hence there is no details information from KMDC on the interest rate.

  2. I belong to vishwakarma community I need education loan tell me what is process

    1. Arivu loan is only for minority community (Sikhs,Muslims,Christians,Parsis,Buddhists,Jains) If you belongs to these communities can apply. you can refer to article about the process.

      1. Hey bro you missed jain cast 🤨

        1. If you see above, JAIN Cast/Category is also mentioned.

  3. May i now the students avail arivu can apply for education lone in the bank

    1. This is from Government of Karnataka, not from any bank.

  4. Maximum how much amount loan is provided for MBBS seat ?

    1. For medical seats its around Rs.55,000/- to Rs.75,000/- depending on your Tution fee mentioned in your College fee structure.

  5. When I filled my SSLC numbr it get cancelled n showing u already exist what do u mean of that can any one tell me wht I have to do?

    1. It means you have already applied. You can use “KNOW YOUR REGISTRATION ID” to know you have applied or not.

  6. Reemus says: Now I am doing Engg in CS , 1st year , when I want to login now I have to login has an fresher . Pls tell me the dates I have to login

  7. Reemus says , Now I am doing engineering 1st year, can I apply now for arivu loan at the middle of the year

    1. yes you can apply in any semester of academic year. For this academic year of 2019-2020 yet application dates to be announced by KMDC.

  8. Please add my college in online list I have submitted college details 6 months back and once again I submitted 1month over still not added it’s my humble request please add my college college in online list

  9. My son has applide for for arivu loan while studying ec in a college but later he met with an accident at the time exams and he discontinued thet course and joind another colege i want to ask you is will he still get the loan he applide last year or will it canceld.

    1. Ok

    2. Please apply again fresh and with all documents and information that they ask, if qualified your son will get it.

  10. Hello, im going to join engineering college in 2019-20 but did not apply for loan can I apply it in 2nd year 2020-21 as fresh application please help

    1. hey, you can still apply for 2019-20 academic year as fresher.

  11. My application is in case of worker

  12. Should I submit my parents address proof also

  13. Can we get loan that is renewal if we have back logs in previous year/sems. Arivu loan KMDC

    1. No, you can’t apply for the loan if you have any backlogs in the last sem.

  14. should i submit aadhar of my both parents or any one is enough for kmdc

  15. When is the last date of Applying education loan

  16. I have submitted my application online and have uploaded my school study certificates. Is that OK? If not how do I upload my current course study certificate now

  17. Unable to upload the documents on kmdc website, what is the minimum KB to be uploaded.

  18. What should be the size and format of Document when Ur uploading it for online application????

  19. It has been continuously asking for upload a valid pdf file only.
    What is the solution for this
    Please help me out to deal with this prob.
    Y is this happening?what kind of pdf format?
    Will it take the jpeg format?

    1. Please visit any website which converts jpg to pdf or in ms word you can copy the image and save it as pdf.

  20. Its showing 30 sep 2019 as the kast date for arivu loan

  21. Does last date will extend….
    Is indemnity bond is required for the renewal application

    1. Last date may not be extended.
      Required if course Changed

  22. May I know the address of the “KMDC Bangalore Urban District Office” to submit the application as I have already uploaded the application form online.

  23. I am doing nursing in private college can I apply for this line plz tell me

  24. What if exam has been postponed and we don’t have are marks card

  25. Can we apply for fresher in last semester?

  26. Does the last date will extend?

  27. Plz sir extend the day because may income coming today plz plz sir iam really thank full plz two days more

    1. Last date for the submission is over, one should prepare before hand. Now you can apply only for next year.

  28. Sir when will announce the another date can we expect in 3 months???

  29. Sir can we expect the date in next 3 months to apply loan??

  30. What date is for Fresh application of KMDC LOAN

  31. When will be arivu loan sanctioned dates, now my application is with case worker head office.

  32. I want to know how many phases are there in arivu loan? It is mentioned above that we can apply throughout the year,but inthe website it is 16th Nov2019. When will the next date be uploaded? Please replg fast

    1. Ramus mother here , is it Arivu loan sanctioned for the year 2019-20, Still my son application status is in application approved & with bank. Please let me know when the amount will be disbursed to the student . he is doing B.E., Cs.

      1. Please visit the VV towers with your acknowledgement. they will sanction the amount

  33. sir I need to apply loan for second year b.ed but the link showing web site is closed for the year wat I should do now sir plzz help me

    1. stay tune to website they may announce the Phase 4

  34. my file is in case worker headoffice i want to know what is the next procedure

    1. next they will transfer your file to bank after that you’ll receive your amount

  35. I have applied arivu Loan phase 3 online…. But my documents did not submit ….because i was not well since the last date was 22 January…. Can i go and submit please let me kwn

    1. They receive documents before the last date. you can try once submitting as soon as possible.

  36. may I no when arivu website will get open I should apply for 2nd yr b.ed

  37. sir plz tell me when arivu website is going to open I should apply for 2nd year b.ed iam highly in need of it

  38. Sir when am I supposed to apply for arivu 2020 for mbbs

    1. Stay tune to website they may announce next date for applying

  39. For MBA student what loan amount would be sanctioned?

    1. there is no fixed amount, it depends on your tuition fee on fee structure,
      For MBA they allot amount nearly 45k to 75k

  40. when is the next date for applying new students for arivo scholarship 2020-21 i have applied for neet /cet .. when shld i apply for arivo scholarship this year ,

    1. For Academic year 2020-21 you have to wait till June

  41. sir plzz tell me wen this website is going to open I should apply loan for second year b.ed

  42. My loan status is showing from 1 n half that “your application is processed and with the bank” …
    Now when it will be credited?

  43. Sir What about loan during this lockdown?
    Will it be credited?

  44. sir wen website is going to open

  45. Hi, i am Mohammed Hanif pursuing MCA final year i applied arivu loan renewal but it only processed till MD head office .5 month happened still no progress

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