🎓 Education Loans for Karnataka Students
Comprehensive list of educational loans from Banks, Central & State Government Schemes, Trusts, Societies, and Cooperatives
🏦 Public Sector Banks
| Bank |
Loan Amount |
Interest Rate / Key Features |
| State Bank of India |
Up to ₹3 crore |
UG, PG, professional & foreign studies |
| Punjab National Bank |
Up to ₹10 lakh |
PM Vidya Lakshmi Scheme; interest varies |
| Bank of Baroda |
Up to ₹10 lakh |
Education loans for UG/PG |
| Canara Bank |
Up to ₹10 lakh |
Includes PM Vidya Lakshmi & other central schemes |
| Union Bank of India |
Up to ₹10 lakh |
Central & state loan schemes |
| Bank of India |
Up to ₹10 lakh |
Education loans, interest varies |
| Indian Bank |
Up to ₹10 lakh |
Various schemes for students |
🏦 Private Sector Banks
| Bank |
Loan Amount |
Interest Rate / Key Features |
| ICICI Bank |
Up to ₹3 crore |
UG, PG, professional courses |
| HDFC Bank |
Up to ₹10 lakh |
For Indian education, interest varies |
| Axis Bank |
Up to ₹10 lakh |
Education loans for India & abroad |
| Kotak Mahindra Bank |
Up to ₹10 lakh |
For students, interest varies |
| IDFC First Bank |
Up to ₹10 lakh |
Student loans, flexible repayment |
🏦 Cooperative Banks
| Bank |
Loan Amount |
Interest Rate / Key Features |
| Karnataka Bank |
Up to ₹20 lakh |
9.18% – 13.18%, UG/PG & professional |
| Karnataka Grameena Bank |
₹10 lakh (India), ₹20 lakh (Abroad) |
10.50% |
| Raichur District Central Cooperative Bank |
Up to ₹10 lakh |
Varies |
| Vijaya Bank |
Up to ₹10 lakh |
Varies |
🏛 Central Government Schemes
| Scheme |
Loan Amount |
Interest / Key Features |
| PM Vidya Lakshmi Portal |
Up to ₹7.5 lakh |
Interest varies by bank |
| Central Sector Interest Subsidy (CSIS) |
Up to ₹10 lakh |
3% interest subvention |
| Dr. Ambedkar Interest Subsidy Scheme for Overseas Studies |
Up to ₹20 lakh |
Interest subsidy during moratorium |
🏛 Karnataka State Government Schemes
| Scheme |
Loan Amount |
Interest / Key Features |
| Arivu Education Loan Scheme |
₹50,000 – ₹5 lakh |
2% interest subvention |
| Overseas Education Loan Scheme (Karnataka) |
Up to ₹20 lakh |
Zero interest during moratorium period |
🤝 Trusts & Societies
| Name |
Loan Amount |
Interest / Key Features |
| Sri Dharmasthala Manjunatheshwara Educational Trust |
Varies |
For UG/PG students |
| Shri Kshetra Dharmasthala Rural Development Project (SKDRDP) |
Varies |
For rural / low-income students |
| Mysore Makkala Koota & SDM College for Women |
Varies |
11% – 14% interest |
