Kerala state government has launched the education loan repayment scheme 2017 today in the state to help repay the education loans of students. The state government is inviting online registrations and claim application forms from the students for availing the scheme benefits through its newly launched portal at www.elrs.kerala.gov.
Students can do the online registration for the education loan repayment scheme at elrs.kerala.gov and fill the claim application form along with attaching the required documents. The scheme may also be termed as “Education Loan Repayment Support Scheme” or “Education Loan Repayment Subsidy Scheme”.
Below is the complete procedure to register online as student and fill claim application form for the education loan repayment scheme.
Kerala Education Loan Repayment Scheme Online Registration
STEP 1: Visit the official website of Kerala Education Loan Repayment Scheme at elrs.kerala.gov
STEP 2: Click on the “Student Registration” button and fill the registration form as seen below.
STEP 3: After Registration, a user ID and password would be sent to the registered mobile number of the applicant which will be used to fill the online application form.
Apply Online for Education Loan Repayment Claim
On completion of the registration, a user ID and password will be sent to the registered mobile number of the applicant. For filing claim application, the applicant has to login to the portal and enter the following information using this user ID and password.
- Full permanent address of the applicant
- Name of parent/spouse/guardian
- Details of co borrower(in the case of student deceased or suffered 80% & more disability)
- Details of the professional course studied (for which the education loan was availed)
- Whether Management & NRI Quota or not
- Date of completion of course
- Category of the student
- Details of the bank from which loan was availed
- Details of the loan availed
- Amount repaid (interest subvention shall not be treated as repayment for this scheme)
- Present Annual income of the family
- Present employment details of student (not applicable for deceased student/student with 80% or more disability)
- Present Annual income of the student (not applicable for deceased student/student with 80% or more disability)
- Date of occurrence of disability/death in the case of deceased student /student with 80% or more disability
- Details of relief availed under any other scheme (if any)
- Choosing Govt Support category
List of Required Documents
The applicant is required to upload copies (in PDF format) of the following certificates.
i) At the time of Registration
1) Copy of 10th pass certificate of student ,
2) Copy of Aadhaar of student (of co borrower in the case of student deceased/suffered 80 % or more disability) ,
3) Income Tax PAN of student (of co borrower in the case of student deceased/suffered 80 % or more disability)
ii) At the time of filing application
1) Eligibility certificate issued by the Village Officer and countersigned by a gazetted Officer.(The format can be downloaded from the portal)
2) Death Certificate issued by the Registrar of Deaths of the concerned local body (in the case of deceased student)
3) Disability certificate by competent authority as stipulated in the Persons with Disabilities Act 1995 (in the case of a student borrower suffering permanent physical/mental disability of 40 % or more)
4) Course Completion certificate pertaining to the course for which the education loan was availed). (If the student discontinued the course for medical or other valid reasons, a certificate from the head of institution, stating the reason for discontinuation)
5) Salary certificate in the case of a student employed in formal sector (not applicable for deceased/student with % or more disability)
After filling the mandatory fields and uploading the certificates, the registration form is to be submitted.
After filling all the fields and uploading the certificates, the applications can be submitted online in the portal
The last date for submission of application has been extended to 31 December 2017, read more at below link
Kerala Education Loan Repayment Scheme Last Date Extended
Eligibility Criteria
- The student should be an individual permanent resident of Kerala
- The KYC records should match with that provided with the bank
- Only those education loans availed from a branch situated in Kerala, of, a scheduled commercial bank, Kerala Gramin bank Kerala State Co operative Bank, KSCARD Bank or any of the 14 District Co operative banks in the state are covered under the scheme
- Students who secured admission under Management seats/management quota/NRI Quota are not eligible. Management seats /management quota refers to seats in private education institutions for which the management has discretion to give admission on factors other than merit as explained in IBA’s “Revised guidance notes on model educational loan scheme for pursuing higher education in India and abroad -2015 (Amended 2016)
- However, Students who secured admission under Management quota/Management seat for nursing courses are also eligible.
- Loans taken for study abroad are not eligible
- Income Tax Permanent Account Number (PAN) for the student borrower (for co borrower, in the case of a deceased student ) is a pre requisite for registration
- Upper limit for present annual gross family/parental income is Rs.9 lakhs for deceased students, and students with disability of 40 % or more and 6 lakhs for all other categories.
- In addition to the above , the present Annual Income of student should be within 4 times of the scheduled annual repayment amount in the loan
- Student borrowers who become permanently mentally/physically disabled with 80% or more disability due to accident/ illness or expired during the course of study/tenure of the loan after availing the loan will be eligible for financial assistance irrespective of date and sanctioned amount of loan and classification of loan account.
Under the Kerala education loan repayment scheme 2017 Scheme, education loans sanctioned to students are classified into two categories namely
1. Education Loan Non-NPA/standard account
2. Education loan turned to NPA account on or before 31st March, 2016
Annual repayment amount (Principal plus Interest) will be shared between the Government and the borrower in the specified ratio during the 4 year relief period for the first category. In the case of the second category, Government will assist the borrower to settle and close the loan account by paying specified amount as per eligibility.
Important Links
Operational Guidelines of Scheme
Certificate of Eligibility – Annexure 2 Format
HELPLINE
For any query about the scheme, interested candidates can contact at the below mentioned contact details
Email – elrs.nic-ker@gov.in
Contact Number – 0471-2517187 (All working days)
Or visit the contact page on official website.
If the student donot have any PAN card, what will do for the registration ?
Thanks for this valuable information
I do not have a pan card. Is that possible to register without a pan card?
I am in dubai so I cant submit orginal documents any problem
Dear Sir
I have filled all content regarding my educational details.but mobile no was not verified.not able to get OTP.thus unable to continue.kindly help as soon as possible
Is any certificate from village office is required ?
Link given the site at step 1 is wrong please make it right..
Url is http://www.elrs.kerala.gov.in
Link given in step 1 is wrong .Please make it right and don’t mislead people:
url is http://www.elrs.kerala.gov.in
Thank You Roshan for highlighting the mistake, our intent is not to mislead people, it was just a small mistake and has been corrected now.
Thanks a lot once again.
I started paying my loan from may 2016. Am I eligible for this?
Will this scheme affect my Cibil score in future??
Is course complete certificate required.?
I don’t have course complete certificate.what I do.?
From where i can avail the certificate format for the village officer who sign
Kindly share your contact number and email I’d for enquiry
where did i get the eligibility certificate format
Can i add my guardian pan card number by the lack of mine
As on 31st March’16 is it NPA or Non-NPA?
1There is no options for uploading course certificate …Please say how can it upload
2 i knknow we
have to give our account number but which account number whether loan account or bank account
I didnt have course complition certificate. what i do
I didnt have course complition certficate. what i do
Sir iam not complete my course(2013 b tech batch).I am admitted in RCC Trivandrum,affected
Blood cancer. I can apply for this scheme.
I dont hav PAN card numbr….wht will I do?
I did first step 5days back,but password and username still not yet
Respected Sir,
I registered in Education Loan Repayment Scheme (Reg Id : 1890540102). But in that student Registration I wrongly entered Type of Student. Instead of physically Handicapped 40% to 80 % I given Deceased Student . Kindly Please Change my Data and do the needful.
Faithfully
Anup thomas
1890540102
I have no pan card. What will I do?
sir , i filled my application. but i couldnt submit it. its showing that submitted to bank for processing
Page is not opening..
How can i edit my submitted application before go to bank pls give suggestion .I saw submitted application cannot be edit.
where do we get Eligibility certificate letter format ? (issued by the Village Officer and countersigned by a gazetted Officer.)
plz share the link if possible.
sir, i uploaded certificates, but aftr submitting registarion, didnt receive reg no to my mobile phone
DURING MY REGISTRATION BY MISTAKELY I ENTERED IN TYPE OF STUDENT AS DECEASED INSTEAD OF PHYSICALLY HANDICAPED. SO KINDLY DO THE NEEDFUL IN MY REGISTRATION
whether the eligibility certificate is countersigned by 1st grade gazetted officer.A gazeyyed officer is sufficiant.
APPLICATION SUBMITTED TO BANK, BUT I CANNOT DOWNLOAD PRINT OUT?
THE PAGE IS NOT OPENING
i hve given my username and pswd bt the page is not going to home page
Sir,l need correction in my submitted application.how can I edit that?
And also l didn’t get that print of application form that page shows that which is not working.so please tell me that what is the reason behind that?
You can login using your ID and password and see if there is any option to edit the application form details
No sir,i tried so many times.it shows one edit option but which is not working after submission.so please tell me how can I edit that
I don’t have PAN card .. what will I do?? Is it possible to register without PAN card??
sir, I don’t have PAN card no….what wil I do???
I completed Bsc nursing under management quota .this scheme is valuable for management quota. In bank they tell It’s not applicable .
sir,
i completed my b.tech last 4 months.my course period is 2013-2017.so,can i apply for this scheme?
Hi ,
I am not able to print application after submitting.Is any solution for that.Earliest solution would be appreciatable
Sir
Im waiting for my nursing exam on september 18.duration of course was 2013-2017.my course is not finish. So can l apply for this?
WHILE FILLING APPLICATION DOB IS WRONG ,HOW I CAN EDIT IT ?
I was bsc nsg student. And I took loan 2010-2014. Is this scheme applicable for me?
sir plz help me.we were fill the amount of 2lacks as per the banks order.we clear this amount on 2017 march 31st.can we back the amount we paid?
Hi,
Iam 2016 pass out in Bsc degree.. I registered this portal. But Is this scheme eligible for 2016 pass out students?
Please suggest me one solution
Thanks,
Pranil
Respected sir, iam working in kuwait private hospital with less salary , can i apply to this scheme ?The village officer is not acepting my request (asking other documents).i need a solution bcz i have lot of financial problems.
From where did I get income certificate number.. as we don’t get any income certificate performa to fill, but only Eligibility form to be filled by village officer
When i apply for this, they ask the name of the nursing collage when i type it, the name of my collage is not in that list! So how can i apply?
I need to change my mobile number. what is the procedure for that?
My registered mobile number has been chenged. So I need to change it. what can do ?
Hi.. I have completed my BE from Bangalore in management seat.. I have started paying the interest from 2015.. whether this scheme is applicable for management seat or not? Plz let me know..
I am not able to update while selecting NO in NPA. I have marked YES roughly in that , now i cannot revert it. Please check it and do the needful.
I am not able to update while selecting NO in NPA. I have marked YES roughly in that , now i cannot revert it. Please check it and do the needful. Thank you.
I am not able to update my paid amount and NPA I need to select no but it’s not getting update please help me
I am not able to edit my paid amount and NPA . I need to select NPA no. Please help me how can I do this
Sir I am working in saudiarabia with less salary.did I eligible for this one .in the eligibily certificate it’s mention I have or I don’t have any job in formal or informal sector .(any establishment)what’s the meaning of this sentence. I approach to villageofficer he neglect and he told only for nonworkers.please assist me to solve this challenging issue .your support is highly appreciated waiting for your reply
If anyone have any idea about ma doubt please contact me sanojchathannoor@gmail.com phone00966569754213
management seat only for nursing other paramedical courses like b.pham eligilble or not
Hi,
Can you please explain what is “NPA” ?
Sir,
I have taken the loan for my MBBS course which is completed on 2015 April and I paid INR 120000/- as interest then after.
Now the principle amount is remaining and my loan repayment commences in November 2017 only.
I would like to know whether i am eligible for this repayment support scheme.
Expecting your reply…
From where we can get the eligibility certificate format?
student registration submit button not enabled why
Sir,
I have completed my B.Tech in 2014 and M.Tech in 2016. I have not yet paid any interest. Whether I can apply for this?
I would also like to know whether I need to pay any amount before submitting the application?
Seeking your valuable reply.
Hi,,, Sir I am not able to print my application after submitted,, i am getting HTTP error 500 ,, please help….
Hi Sumit,, Have you got any solution for this Print issue?
This is totally ridiculous!!!!!!!
• Students who secured admission under Management seats/management quota/NRI Quota are not eligible???????
Shame to know the government implies a repayment scheme without having basic knowledge that those who doesn’t get government seats are forced to pay huge fees under management quota in private institutions. This is no way helping those who have already paid more than three times of prinicple amount to banks as interest.
I applied for education loan repayment scheme and submitted to bank branch through online.but I can’t take the printout of application.when I click in the PRINT APPLICATION butten it shows some error.give me a solution….
I applied for education loan repayment scheme and submitted to bank branch through online.but I can’t take the printout of application.when I click in the PRINT APPLICATION butten it shows some error
Sir
Diploma students is eligible for this scheme
Sir
I take loan in the year of 2013 December. Now till I could not paid any amount Iam able for get this subsydy?
Sir
I take a loan from in the year 2013 December. Now till I could not able to paid any amount so I’m able for getting this subsidy please reply me?
Hi sir,Iam 2015 july pass out B.Tech student.Is this scheme applicable for me.
Hi ,
I am not able to print application after submitting , could you please help for solution
Registration is completed.but i am not able to save my application form.
Sir. I have no PAN card now so i applied for that bt it takes more time for getting through post about 45 days . When it get may be i can’t apply for loan repayment . Can you please to extend the date from October 31 st . If it not extend we cannot apply for repayment . Please help
I am facing problem with taking printout, if anyone knows the solution..please help me
mob:9995397559
sir,I changed my residence 2 years back My KYC records is in previous adress,what I will do
Sir,
I am not getting application form after submission of details.so please tell me a solution for that
The registration was completed on 5th aug 2017 and if the loan application claim is going to be filled on 19th sept 2017(today)Which amount should I Fill in outstanding amount column??Is it as of 19th sept 2017(today) or the amount as of the day the registration was completed since the amound changes every month??
I am not able to printout after submitting the paper,what is the solution for that.
Sir
i want to know about the subsidy against my eduation loan
i want to know about my education loan subsidy. kindly send me the subsidy persentage
How to edit submitted application
How to edit submitted application
Iam not getting printout..
Sir, i am not able to print my application after submitted.iam getting HTTP error 500.,please help……
How to edit details
I submitted my application. But i did not get any passward (or not get any conformation)through phone number or through my mail id. What shoud i do..?? reply please. Have doubt any mistake happend while ebtering my mail id ? Plese reply.
How to edit submitted application ?? for cross check everything entered is correct or not ?
I am not able to printout after submit button please help
how to apply for 2 nd loan of post graduate. already applied for undergraduate loan..
help me how to apply for my post graduate loan, already aplied for under graduate loan
I was applied for pan card,till it’s not processed
Is pancard is necessary for subsidy,or it is possible to apply with pancard coupon number
Sir, I was applied my pancard till it was not ready how I can apply pls give any solution
Sir I took loan for gnm ,totally i paid 37000 rupees and now I applied for the loan repayment scheme.i went to submit my application to the bank,but manager he didn’t accept my application because of due amount.he says to pay the due amount first..then only he will accept the application.
Sir ,i have applied for education loan repayment scheme and i have completed the system processing also but,i did’t receive the print ,so kindly do the need ful
I d’nt get eligibility certificate from village officer.I have a job in private hospital.he says that is the problem.
I am not able to printout after submit button please help
I am not able to printout after submit button please help for priniting
Sir, I was applied my pancard till it was not ready how I can apply pls give any solution
Hi sir.
My PAN card not yet received. What can I do?
Sir I don’t get my college name when I am searching under Rajeev gandhi university
Sir iam a bsc nurse but in the coloumn of proffesional course this option of bsc( n ) is not shown so what should i do ?
Kindly request u to do the needfull
I could not print after submitting all documents.
Sir my college name is listed under Dr MGR medical University chennai. Please do the needful.
Sir,I studied in tamilnadu but I have taken loan from Kerala. Can I able to apply for loan repayment scheme
My Pan card not yet received. What can I do?
Sir I’m not getting my college name..please do the needful..
sir
i’m not able to print the detailes
Sir,
my PAN card not yet received.what can i do?
Sir, I have two educational loan for my diploma and degree.how can I apply for this?Can I get the benefit for both loan?
I am not able to take print out after submission of application to bank
Hi sir,
My pan card not yet received.what can I do?
does anybody having difficulty in filling the application form..?? any error or something?? coz i’m facing some..!! i cud’t select the name of course from the listing after selecting the type of course..!!!!
Sir.
Up to step-3 (uploading the details and all) I done.What is the next step..?
Sir,
Not able to add my institute name – Rajiv Gandhi National University of Law,Patiala !
Sir,
Not showing my college name – Gomanthak Ayurveda Mahavidyalaya and research centre (University of GOA) !!!!!!!!!!!!
Sir, I was applied my pancard till it was not ready how I can apply pls give any solution
Respected Sir/Madam,
I have applied for PAN and havnt received it yet. It seems there is a high delay in getting it. So how can I proceed with the subsidy application. Please help
Sir,
my PAN card not yet received.what can i do for registration?
Respected sir .I was applied my pancard till it was not ready how I can apply please tell any solution
Sir,I have applied for the PAN card 2 Months before and not yet received.Status showing it is under processing.How can i proceed with the application.Pls help..Pls reply..
My college name is not included in it..what can I do
My college name S N G M pharmacy college THURAVOOR is not include in the list what can I do??
pls help me ..
Sir
I have applied for PAN card.it not yet received.status showing it is under processing.How can I process with this .plz help me
What about people who obtained education loan via other banks like SBI,SIB,PNB etc??? Are they eligible?
Sir,
My college name is prajwal college of nursing #73/A,balaji layout,byadrahalli,magadi main road,bangalore rural-560091 not included in the list then what will i do ? Plz rply
Sir ,
My daughter is just complete her professional course in 2017.if she is eligible for applying kerala education loan repayment scheme.kindly give me a reply
Sir…, I have applied for the pan card 2 months before and not yet received. Status showing it is under processing. How can i apply….? please help me..
Sir,
my PAN card not yet received.what can i do for registration?
Sir ,
I just completed my professional course in 2017. whether I am eligible for applying kerala education loan repayment scheme.kindly give me a reply
Iam working in a private construction Company.am i eligible for this loan scheme?The eligibility Certificate showing that there will be no job in formal or informal sectors.The village officer not ready to give the certificate due to working in a firm?What to do?
govt ayurveda college kannur is not given in the list of institutions
please add the college
govt ayurveda college kannur is not in the given list of institutions
please do the needful
Hi,
My college name Emmanuel College of B.Ed Training, Vazhichal is not include in the list what can I do?
Registartion ID: 3595630101
pls help me.
Contact at the number mentioned here http://www.elrs.kerala.gov.in/index.php/contact/contact_us/3337c2bd687ed685e317aa4d522ef064955dae0c
Sir,
My pan card number is not yet received.ehat can i do for registration.status showing processing.
Sir…, I have applied for the pan card 2 months before and not yet received. Status showing it is under processing. How can i apply….? please help me..
Sir,my pan card not yet recieved what can i do for registration
My name is rani..i had completed my proffessional course(B.E CSE ) in tamilnadu,vickram college of engineering ,sivagangai dist…but this college is not mentioned..or diaplayed in the particular college list…wat to do am?..i completed the first registration succesfully..but i couldn’t do the second part regiatration..because of this college list issue…i couldnt complete this before 31 octobr..i kindly request you to give me a response for this..wat to do next?..
Dear Sir,
I had completed MCA from a private college under Visveswaraya university in Karnataka.Could you please advise whether i am eligible for this scheme
sir i have no pan card but applied for pan card .acknowledge number enough for this??
My college is not in list what can I do???. Christian polytechnic college dindigul Tamil nadu . is polytechnic & Other state studied students are eligible for this scheme??
sir my pancard not yet received…what to do for registration..
Contact at ELRS helpline
Sir,
my PAN card not yet received.what can i do for registration?
sir,
I have completed BTECH in the year 2014 frOm college of engineering perumoN under ‘management quota”.It is not a self finance college. am i eligible for this? mine is an npa account…
“JABALPUR INSTITUTE OF NURSING SCIENCE & RESEARCH” IS NOT IN THE LIST. KINDLY DO THE NEEDFUL.
Dear sir,
This is sureshpremkumar.I was completed my BE degree in Arulmigu Kalasalingam college of Engineering in virudhunagar district at Tamilnadu. BUt Here not show my college name in list.What can i do? please I await for your reply as soon as possible .
Thanks….
Sir. My collage name is sri umamaheswhara school of nursing gulburga. Is not include in the list.what can I do?
Sir
My college name is not listed in it what can I do. My application I’d is 4879570104
Contact at helpline
Respected sir,
The repayment date of my educational loan started after 31 March 2016 .whether I am eligible for applying kerala education loan repayment scheme.kindly give me a reply
Sir….my educational loan bank is kotak mahindra bank vadakara branch.this bank is not included in this scheme.so I couldnt apply for this scheme.my registration is already completed
Dear sir,
I am trying to apply for this educational loan repayment scheme,i have applied for a pan card but it is not yet recieved.
The last date is 31 october.what can i do now sir
Dear sir,
I am also trying to apply for this scheme,i have applied for a pan card but not yet recieved,what shall i do now sir
I completed my course in july 2016, can apply for this, am I eligible?
Sir..I have no pancard but applied for pan card.acknowledge number enough for this?
I have completed the registration procedure and uploaded all the required documents. When I try to take the print out there is an error message showing. I am unable to take the print out. What can I do?
There might be some technical issue, you can wait or contact at the helpline contact details mentioned in the article
Sir my college name is adarsha college of nursing under dr NTR university of health science..this not including this elrs site..what i need to do for this…?
Contact at the helpline details mentioned in the article above
Is necessary to submit the application form in the bank?
The repayment date of my educational loan started after 31 March 2016 .whether I am eligible for applying kerala education loan repayment scheme
Sir,
I have updated wrong year of passing in matriculation details. My userid also changed with it. But when i loggin with the updated user id, matriculation details update option disabled for my portal now. How can i change the year again???
Sir, i joined in Management quota, but i was eligible for merit also. can i apply?
SIR MY APPLICATION IS NOT RECEIVED THE BANK. THEY ARE TELLING YOUR ACCOUNT IS TRANSFERD TO RELIANCE. WHAT CAN I DO SIR
Sir,
I’m from Kerala but I completed my B Tech from Tamil Nadu college(Merit seat, still bank has provided loan), so is there a chance not to get this repayment facility.
sir,
after my registration paid my first instalment bt fell some technical error in remittance
Im completed my corse under the management couta then i dont have pan card zerox copy y bcose missing my card but i have pan numper so im elegible or not apply the study loan scheam pls to be reply.
Sir,
I am Aswathy. I have completed my Graduation in nursing two years before. I took financial support from a nationalised bank in our locality,so that I applied for prime minister’s educational loan concession scheme.But unfortunately the bank rejected my application.I attached all the required documents along with my application. So I hope you will take necessary action with immediate effect.
Sir,
How to edit the details in applicfation form , becoz now portal is disabled the editing option
Now bank suggesting to edit some details, please suggest
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Sir,
I losed my user I’d and password,I tried to retrieve my username and password but site showing sending OTP failed.i hav to open my file because bank didn’t get any response from education loan repayment site ,so they told me to re-submit but I can’t open because of lose user id and password.please do needfully
Sir I took loan in 2009.loan santioned about 229000.i took only 218000only.now ialredy remitted nearly170000.now I got a message that my claim for educational loan accepted. Then I want to remit RS0(zero)with in 90days.am I eligible for this scheme?can I need to pay further installments?
MY NAME IS AMRUTHA ,I ALSO APPLIED FOR THIS EDUCATIONAL LOAN REPAYMENT SUPPORT SCHEME,I COMPLEATED GRADUATION 2014,NOW MY BANK IS REJECTED AND RESUBMITTED THE APPLICATION TODAY ,PLEASE TAKE AN ACTION TO CHECK IT OUT SIR.
Sir, I am parvathy v iam summitted my Application for the date of 24/11/2017, that time my my Application is rejected ,Noe bank suggestting to edit some details , iam editing my Application , this time iam eligible for this scheme my status is saved , but my application not in the bank site what can i do.
I submutted my application before last date of submission and also i submitted the hard copy of submitted details to bank but now my application not in the bank portal . I can’t update my profile details what i do?
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Hi ,
I have also applied for elrs programme for loan repayment. But I haven’t received any update from federal bank branch for further processing. its still shows submitted to branch in the website. Is there any one here got amount intimation from bank ?