Kerala Educational Loan Subsidy 2025: This is the information concerning the Education Loan Repayment Support Scheme which was launched by the Government of Kerala. Under this proposal, govt will pay some amount of loans for students for their studies. Interested candidates can register online through the official website for Kerala Education Loan Subsidy/ Kerala Education Loan Repayment Scheme which is www.elrs.kerala.gov.in. This is one of the best schemes for people who belong to low to middle-income groups and are unable to repay the educational loan due to low salary or unemployment.
Aspirants can download Kerala Education Loan Repayment Support Scheme Online Application from the portal. The Kerala Edu Load Subsidy Application 2025 Dates updated in our article. For the convenience, we are providing the eligibility criteria, Kerala Edu Load Repayment Support Registration process and other relevant information in the article below.
Kerala Education Loan Subsidy 2025 Details
Good news for the candidates who have taken a loan for the education and could not pay EMI/ Installment. The Government has announced to pay the remaining amount for those who come under below poverty line, low-middle class etc. There are some rules and regulation/norms set by the authority. The student who fulfills those rules can be eligible to get the benefits of this scheme. The news came a few months ago but it has been launched by the board. Those loans classified as NPA (Non-Performing Assets) & who have paid the earlier EMI regularly will take the benefit of the Kerala Education Loan Subsidy & Repayment Scheme. For complete details regarding Kerala Edu Load Subsidy Scheme 2025 to refer the given article.
Kerala Educational Load Repayment Support Application Dates 2025
| The Concerning Body | Government Of Kerala |
| Notice Of | Kerala Educational Loan Subsidy & Repayment Support Scheme |
| Kerala Edu Loan Subsidy 2025 Final Date Of Registration | Updated Soon |
| Web Portal | www.elrs.kerala.gov.in |
It provides the support period for four years and it is not a complete debt relief plan but support student/ families to pay some of the amounts to decrease their burden. As per the advertisement, the government can pay the loan amount up to 9 Lakhs. Applicants can select one of the following options to get the support.
NPA Account:
They have to agree with the bank either for one-time settlement by depositing the full amount or regularise/ re-schedule of the pending amount.
| Support From Government | Amount |
| 60% of Base Amount | Up-to 4 Lacs |
| 50% of Principal Outstanding or Maximum of Rs 2,40,000/- Only | From 4 to 9 Lacs |
Standard Account:
The Proposal expects the repayment to such an account which has already commenced from April 2012 to March 2016 and still going on. The government can help those postulants to repayment their remaining amount of the upcoming years.
| Year | Sharing Ration of Kerala Govt | Lender Ratio |
| 1st Year | 90% | 10% |
| 2nd Year | 75% | 25% |
| 3rd Year | 50% | 50% |
| 4th Year | 25% | 75% |
Eligibility For Education Loan Repayment Scheme Kerela 2025
- Students who have educational Loans not more than 9 lakhs & household income not goes above 6 lakhs are eligible for this scheme.
- Students who secured admission under the Management quota are not eligible. These refer to seats in private educational institutions for which the management has the judgment to give admission on factors other than merit as explained in IBA’s. Revised guidance notes on model educational loan scheme for higher education in India and foreign -2015 (Amended 2016).
- The contenders, who have started to pay back the loan.
- Student borrowers who become permanently mentally/ physically disabled with 80% or more due to an accident/ illness or expired during the course of study of the loan after availing the loan eligible for a sanctioned amount of loan & financial assistance irrespective of date.
- The present Annual Income of the student should be within 4 times the scheduled annual repayment money on the loan.
Click Here For Kerela Edu Loan Repayment Support Scheme Official Notification 2025
How To Apply Online For Kerala Govt Educational Loan & Repayment 2025
- Candidates have to log on to the official website.
- Click on the “Student Registration” link.
- Afterward, Education Loan Repayment Scheme Kerala Registration Form appears on the monitor.
- Candidates fill in all necessary info valid details.
- Upload the scanned copy of PAN Card, Adhar Card & 10th Certificate in the given format.
- Finally, click on the “Submit” button to complete the online registration.
Click Here for Kerala Educational Load Repayment Support Scheme Online Application 2025
Documents Required for Kerala Edu Load Support Scheme Registration 2025
- Candidates 10th/ 12th Passing Certificates.
- Adhar Card and Pan Card Of the students.
- Eligibility certificate issued by the Village Officer.
To know more kindly refer to the official website of the Kerala Government.
Sir
I have studied during the year of 2011 to 2015 and I took 2.5lakhs and I paid 86000 till now.Whether I eligible for this scheme?
I already applied elrs on2017 .I got 2 years repayement assistance by the Govt. Do I Need to file any more documents for future Govt.asistance
Sir actually I applied by its rejected and one thing I want you to ask is their any scheme which have one time settlement
Hi Sir,
I study private college and my annual gross salary is Rs.183000. Now my monthly repayment loan EMI is Rs.3200.
Please help me I eligible for scheme or not
I am availed E L Rs 162000 on 06/08/12 ‘ Rs 100000 Remit on 26/02/15 .I am applying ELRS.I will not get any information .Same situtaion is in bank So what shall i do
sir i took education loan in the year 2007,08,09 for my general nursing study in bangalore and completed the course 2010 feb. i was not able to repay the money due to low salary at the end because of the forcefulnes of bank borowed money from others and repaid the paisa to bank in 2017 january.
sir am i eligible for subsidy
Can i get any help through this. I already got subsidy before few years while studying . Now the last june my repayment has started but there is no consideration in amount payment the bank said that.
Can i get any susidy for repayment
Sir
Is there any formality that some amount should be paid before apply this subsidy?
sir ,
my course completed in 2016,can i apply to this scheme or not
sir my bank is not providing this scheme due to mentioning moratorium period .