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Odisha · Student / Education Loan

Kalinga Sikhya Sathi Yojana — 1% Education Loan (Odisha)

Also known as: Kalinga Sikhya Sathi Yojana — 1% Education Loan · Kalinga Sikhya Sathi Yojana · Kalinga Sikhya Sathi Scheme · Kalinga Sikhya Sathi Yojana Odisha · कलिंग शिक्षा साथी योजना — 1% शिक्षा ऋण

Odisha Higher Education Department

Benefit

Education loan up to ₹10 lakh from scheduled banks at just 1% interest for the student; repay over up to 10 years (₹7.5 lakh) or 15 years (₹10 lakh).

An education loan for higher studies where the student pays only 1% interest — the state pays the rest.

At a glance

Scheme	Kalinga Sikhya Sathi Yojana — 1% Education Loan (Odisha)
For	Student / Education Loan
Where	Odisha
Department	Odisha Higher Education Department
How to apply	Online
Info checked	2026-10-16

Who Can Apply

Students who are residents of Odisha going for higher studies
Family income up to ₹6 lakh a year
Loan as per the bank's education-loan rules

In short — check the official website for the full rules.

Required Documents

Admission letter
Fee structure
Income Certificate
Odisha Residence Certificate
Aadhaar Card
Marksheets
Bank account

How to Apply

Apply online on the official government website (link below).

Open in YojanaSahay App & Check Eligibility → or browse all schemes Visit Official Government Website ↗

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Frequently asked questions

Who can apply for Kalinga Sikhya Sathi Yojana — 1% Education Loan (Odisha)?

Students who are residents of Odisha going for higher studies. Family income up to ₹6 lakh a year. Loan as per the bank's education-loan rules.

What is the benefit of Kalinga Sikhya Sathi Yojana — 1% Education Loan (Odisha)?

Education loan up to ₹10 lakh from scheduled banks at just 1% interest for the student; repay over up to 10 years (₹7.5 lakh) or 15 years (₹10 lakh).

What documents are needed for Kalinga Sikhya Sathi Yojana — 1% Education Loan (Odisha)?

Admission letter, Fee structure, Income Certificate, Odisha Residence Certificate, Aadhaar Card, Marksheets, Bank account.

How do I apply for Kalinga Sikhya Sathi Yojana — 1% Education Loan (Odisha)?

Apply online on the official website: https://dhe.odisha.gov.in/

How can I check if I am eligible for Kalinga Sikhya Sathi Yojana — 1% Education Loan (Odisha)?

Answer a few simple questions on YojanaSahay — it tells you free of cost which schemes you qualify for, with the documents for each.

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Official link last checked: 2026-10-16