{"id":9779,"date":"2024-01-23T12:35:24","date_gmt":"2024-01-23T07:05:24","guid":{"rendered":"https:\/\/fly.finance\/blog\/?p=9779"},"modified":"2024-01-25T11:30:15","modified_gmt":"2024-01-25T06:00:15","slug":"odisha-government-education-loans-to-study-abroad","status":"publish","type":"post","link":"https:\/\/fly.finance\/blog\/education-loan\/odisha-government-education-loans-to-study-abroad\/","title":{"rendered":"Odisha Government Education Loans to Study Abroad"},"content":{"rendered":"\n<p><strong>Odisha Government Education Loans to Study Abroad: <\/strong>The Government of Odisha has taken necessary steps to ensure that students do not face financial difficulties while pursuing higher education abroad. Schemes like <strong>Kalinga Sikhya Sathi Yojana and banks like Odisha Gramya Bank<\/strong> provide aspiring and meritorious students with financial assistance to pursue studies in India and abroad. <\/p>\n\n\n\n<p>The maximum loan offered for study abroad is INR 20 lakhs. Students willing to take up professional or technical courses are eligible for Odisha Government Education Loans.\u00a0In this blog, we will cover all the necessary information that you need to know about the eligibility criteria and avail education loans in Odisha to study abroad.\u00a0<\/p>\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2 id=\"table-of-contents\">Table of contents<\/h2><ul><li><a href=\"#h-education-loan-by-odisha-government\" data-level=\"2\">Education Loan by Odisha Government<\/a><\/li><li><a href=\"#h-kalinga-sikhya-sathi-yojana\" data-level=\"2\">Kalinga Sikhya Sathi Yojana\u00a0<\/a><ul><li><a href=\"#h-benefits-of-kalinga-sikhya-sathi-yojana\" data-level=\"3\">Benefits of Kalinga Sikhya Sathi Yojana<\/a><\/li><li><a href=\"#h-who-is-eligible-for-the-kalinga-sikhya-sathi-yojana\" data-level=\"3\">Who is Eligible for the Kalinga Sikhya Sathi Yojana?<\/a><\/li><\/ul><\/li><li><a href=\"#h-odisha-gramya-bank-education-loan\" data-level=\"2\">Odisha Gramya Bank Education Loan<\/a><\/li><li><a href=\"#h-faqs-on-education-loans-by-the-odisha-government\" data-level=\"2\">FAQs on Education Loans by the Odisha Government<\/a><\/li><\/ul><\/div>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong>Also Read: <\/strong><strong>Did you know that you can get an <\/strong><a href=\"https:\/\/fly.finance\/blog\/education-loan\/income-tax-rebate-on-education-loan\/\"><strong>income tax rebate on education loans<\/strong><\/a><strong>? Check out how to avail, calculate, and claim tax deductions.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-education-loan-by-odisha-government\"><span id=\"education-loan-by-odisha-government\">Education Loan by Odisha Government<\/span><\/h2>\n\n\n\n<p>The Odisha Government provides financial assistance by providing education loans to students who wish to pursue higher education. Students must apply to recognized courses and recognised universities in India and abroad through entrance examinations or merit. Both secured and unsecured educational loans are provided based on the terms and conditions. Let\u2019s have a look at basic information on Odisha Government Education Loans-&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td>Quantum of Finance<\/td><td>For studies in India- Up to INR 10 lakhs<br>For abroad studies- Up to INR 20 lakhs<\/td><\/tr><tr><td>Eligibility Criteria<\/td><td>Must be a resident of Odisha above 18 years of age<\/td><\/tr><tr><td>Repayment Period<\/td><td>5-15 years (depending on the lender and scheme availed)<\/td><\/tr><tr><td>Eligible Courses<\/td><td>Professional and Technical Courses<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-kalinga-sikhya-sathi-yojana\"><span id=\"kalinga-sikhya-sathi-yojana\">Kalinga Sikhya Sathi Yojana&nbsp;<\/span><\/h2>\n\n\n\n<p>Kalinga Sikhya Sathi Yojana was introduced by the Odisha Government as an initiative to provide interest subsidy on education loans. Initially, the government provided education loans at 1% interest rates to meritorious students under this scheme. The balance of the interest would be paid by the government. However, it was later revised to provide 100% interest subvention to students pursuing higher education in India or abroad.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-benefits-of-kalinga-sikhya-sathi-yojana\"><span id=\"benefits-of-kalinga-sikhya-sathi-yojana\">Benefits of Kalinga Sikhya Sathi Yojana<\/span><\/h3>\n\n\n\n<p>The scheme offers various benefits to the students. They can get up to INR 10 lakhs in education loans from the Odisha government for studies in India and up to INR 20 lakhs for studies abroad. The total repayment period of the education loan is 15 years. 100% interest subsidy is provided for education loan amounts up to INR 15 lakhs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-who-is-eligible-for-the-kalinga-sikhya-sathi-yojana\"><span id=\"who-is-eligible-for-the-kalinga-sikhya-sathi-yojana\">Who is Eligible for the Kalinga Sikhya Sathi Yojana?<\/span><\/h3>\n\n\n\n<p>The scheme applies to the beneficiaries of the <a href=\"https:\/\/fly.finance\/blog\/education-loan\/iba-model-education-loan-scheme\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Educational Loan Scheme of the IBA Model<\/strong><\/a>. Besides, other eligibility to be fulfilled by the students are-&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The student must be a resident of Odisha.<\/li>\n\n\n\n<li>The family income of the parents should be less than INR 8 lakhs p.a.<\/li>\n\n\n\n<li>Must have secured admission to a recognised university in India or abroad.<\/li>\n\n\n\n<li>Eligible courses include undergraduate\/ postgraduate degree courses (professional and technical) and integrated courses (UG+PG).&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><strong>Note:<\/strong> Education loans availed after 01.04.2023 are applicable for these benefits. Loans before this date shall be guided under the previous criteria of the scheme.&nbsp;<\/p>\n\n\n\n<p>Here is the list of banks under the IBA Model providing education loans to study abroad in Odisha-&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td>Allahabad Bank<\/td><td>Punjab and Sind Bank<\/td><td>City Union Bank<\/td><\/tr><tr><td>Andhra Bank<\/td><td>Punjab National Bank<\/td><td>DCB<\/td><\/tr><tr><td>Bank of Baroda<\/td><td>State Bank of Bikaner and Jaipur<\/td><td>Federal Bank<\/td><\/tr><tr><td>Bank of India<\/td><td>State Bank of Hyderabad<\/td><td>HDFC Bank<\/td><\/tr><tr><td>Bank of Maharashtra<\/td><td>State Bank of India<\/td><td>ICICI Bank<\/td><\/tr><tr><td>Bharatiya mahila Bank<\/td><td>State Bank of Mysore<\/td><td>IndusInd Bank<\/td><\/tr><tr><td>Canara Bank<\/td><td>State Bank of Travancore<\/td><td>Karnataka Bank<\/td><\/tr><tr><td>Central Bank<\/td><td>Syndicate Bank<\/td><td>Karur Vyasa Bank<\/td><\/tr><tr><td>Central Bank of India<\/td><td>UCO Bank<\/td><td>Kotak Mahindra Bank<\/td><\/tr><tr><td>Dena Bank<\/td><td>Union Bank of India<\/td><td>Lakshmi Vilas Bank<\/td><\/tr><tr><td>IDBI Bank<\/td><td>United Bank of India<\/td><td>Standard Chartered Bank<\/td><\/tr><tr><td>India bank<\/td><td>Vijaya Bank<\/td><td>The South India Bank Limited<\/td><\/tr><tr><td>Indian Overseas Bank<\/td><td>Axis Bank Limited<\/td><td>Yes Bank<\/td><\/tr><tr><td>Oriental Bank of Commerce<\/td><td>Bandhan Bank<\/td><td>Odisha State Cooperative Bank<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong>Also Read: Check out our blog on one of the most flexible alternatives to finance your study abroad dreams- <\/strong><a href=\"https:\/\/fly.finance\/blog\/education-loan\/gold-loan-for-education\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>gold loan for education<\/strong><\/a><strong>: benefits, criteria, documents &amp; process.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-odisha-gramya-bank-education-loan\"><span id=\"odisha-gramya-bank-education-loan\">Odisha Gramya Bank Education Loan<\/span><\/h2>\n\n\n\n<p>Odisha Gramya Bank aims to provide education loans in Odisha to students who need the required resources to fund their higher education in India or abroad. The students must secure admission to recognised universities to be eligible for Odisha government education loans. A maximum of INR 10 lakhs and 20 lakhs are provided to pursue higher education in India and abroad respectively. Some important things on education loans from Odisha Gramya Bank are-&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The loan is repayable in 5-7 years in monthly instalments after the <a href=\"https:\/\/fly.finance\/blog\/education-loan\/what-is-moratorium-period-and-how-does-it-work\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>moratorium period<\/strong><\/a>.&nbsp;<\/li>\n\n\n\n<li>The moratorium\/ holiday period of one year is provided after the course completion or 6 months after getting the job (whichever is earlier).&nbsp;<\/li>\n\n\n\n<li>Education loans of up to INR 4 lakhs require no collateral.&nbsp;<\/li>\n\n\n\n<li>&nbsp;For education loans above Rs. 4 lacs to Rs. 7.50 lacs, collateral security in the form of a suitable third-party guarantee is needed.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs-on-education-loans-by-the-odisha-government\"><span id=\"faqs-on-education-loans-by-the-odisha-government\">FAQs on Education Loans by the Odisha Government<\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1706079689608\"><strong class=\"schema-faq-question\"><strong>What is the Odisha government education loan amount? <\/strong><\/strong> <p class=\"schema-faq-answer\">The maximum education loan offered by the Odisha government for studies in India is INR 10 lakhs and for studies abroad is INR 20 lakh.\u00a0<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1706079691109\"><strong class=\"schema-faq-question\"><strong>What are the eligible courses for the Odisha government education loan?<\/strong><\/strong> <p class=\"schema-faq-answer\">Eligible courses include undergraduate\/ postgraduate degree courses (professional and technical) and integrated courses (UG+PG) to avail of education loans.\u00a0<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1706079692060\"><strong class=\"schema-faq-question\"><strong>What is the repayment period on an educational loan from Odisha Gramya Bank?<\/strong><\/strong> <p class=\"schema-faq-answer\">The loan is repayable in 5-7 years in monthly instalments after the <strong>moratorium period<\/strong>.\u00a0<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1706079693122\"><strong class=\"schema-faq-question\"><strong>Who is eligible for the Kalinga Sikhya Sathi Yojana education loan scheme by the Odisha government?<\/strong><\/strong> <p class=\"schema-faq-answer\">The student must be a resident of Odisha, and the family income of the parents should be less than INR 8 lakhs p.a. Students must have also secured admission to a recognised university in India or abroad.\u00a0<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1706079694150\"><strong class=\"schema-faq-question\"><strong>What are the benefits of the Kalinga Sikhya Sathi Yojana by the Odisha government?<\/strong><\/strong> <p class=\"schema-faq-answer\">A 100% interest subsidy is provided for education loans to study abroad in amounts up to INR 15 lakhs.\u00a0<\/p> <\/div> <\/div>\n\n\n\n<p>This was all about the Education Loan to study abroad by the Odisha Government. To know about <a href=\"https:\/\/fly.finance\/blog\/education-loan\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>education loans<\/strong><\/a>, the loan application process, the best <a href=\"https:\/\/fly.finance\/blog\/student-account\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>bank accounts for students<\/strong><\/a>, forex and banking experience for global students or <a href=\"https:\/\/fly.finance\/blog\/money-transfer\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>international money transfers<\/strong><\/a>, reach out to our experts at 1800572126 to help ease your study abroad experience.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-pale-ocean-gradient-background has-background\"><tbody><tr><td><strong>Related Blogs<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/education-loan\/haryana-government-education-loan-scheme\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Haryana Government Education Loan Scheme To Study Abroad<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/education-loan\/faqs-on-personal-loans-for-debt-consolidation\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>FAQs on Personal Loans for Debt Consolidation<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/education-loan\/faqs-on-education-loan-repayment\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>FAQs on Education Loan Repayment<\/strong><\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Follow Us on Social Media <\/strong><\/p>\n\n\n\n<ul class=\"wp-block-social-links is-layout-flex wp-block-social-links-is-layout-flex\"><li class=\"wp-social-link wp-social-link-instagram  wp-block-social-link\"><a href=\"https:\/\/instagram.com\/flydotfinance\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" 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Schemes like Kalinga Sikhya Sathi Yojana and banks like Odisha Gramya Bank provide aspiring and meritorious students with financial assistance to pursue studies in India and &#8230; <a title=\"Odisha Government Education Loans to Study Abroad\" class=\"read-more\" href=\"https:\/\/fly.finance\/blog\/education-loan\/odisha-government-education-loans-to-study-abroad\/\" aria-label=\"Read more about Odisha Government Education Loans to Study Abroad\">Read more<\/a><\/p>\n","protected":false},"author":29,"featured_media":9804,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21],"tags":[],"class_list":["post-9779","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-education-loan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Odisha Government Education Loans to Study Abroad<\/title>\n<meta name=\"description\" content=\"Check out the Education loans to study abroad by the Odisha government. 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I'm Shubhika- a proud graduate in English Literature and Language from Delhi University. My journey as a content writer transitioned from online teacher into the world of words. Stepping into the domain of blogs and articles, I discovered my passion for writing growing deeper and stronger. Having said that, I have experience of writing for diverse industries in automobile, technology, ed-tech, finance and mental-health; crafting details to help you find the solution to what you are looking for. Join me as I invite you all explore and learn together.","sameAs":["https:\/\/www.facebook.com\/shubhika.garg\/","https:\/\/www.instagram.com\/shubhika.garg\/","https:\/\/www.linkedin.com\/in\/shubhikagarg71\/","https:\/\/www.tumblr.com\/blog\/shubhikahere"],"url":"https:\/\/fly.finance\/blog\/author\/shubhika\/"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/odisha-government-education-loans-to-study-abroad\/#faq-question-1706079689608","position":1,"url":"https:\/\/fly.finance\/blog\/education-loan\/odisha-government-education-loans-to-study-abroad\/#faq-question-1706079689608","name":"What is the Odisha government education loan amount?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The maximum education loan offered by the Odisha government for studies in India is INR 10 lakhs and for studies abroad is INR 20 lakh.\u00a0","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/odisha-government-education-loans-to-study-abroad\/#faq-question-1706079691109","position":2,"url":"https:\/\/fly.finance\/blog\/education-loan\/odisha-government-education-loans-to-study-abroad\/#faq-question-1706079691109","name":"What are the eligible courses for the Odisha government education loan?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Eligible courses include undergraduate\/ postgraduate degree courses (professional and technical) and integrated courses (UG+PG) to avail of education loans.\u00a0","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/odisha-government-education-loans-to-study-abroad\/#faq-question-1706079692060","position":3,"url":"https:\/\/fly.finance\/blog\/education-loan\/odisha-government-education-loans-to-study-abroad\/#faq-question-1706079692060","name":"What is the repayment period on an educational loan from Odisha Gramya Bank?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The loan is repayable in 5-7 years in monthly instalments after the <strong>moratorium period<\/strong>.\u00a0","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/odisha-government-education-loans-to-study-abroad\/#faq-question-1706079693122","position":4,"url":"https:\/\/fly.finance\/blog\/education-loan\/odisha-government-education-loans-to-study-abroad\/#faq-question-1706079693122","name":"Who is eligible for the Kalinga Sikhya Sathi Yojana education loan scheme by the Odisha government?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The student must be a resident of Odisha, and the family income of the parents should be less than INR 8 lakhs p.a. Students must have also secured admission to a recognised university in India or abroad.\u00a0","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/odisha-government-education-loans-to-study-abroad\/#faq-question-1706079694150","position":5,"url":"https:\/\/fly.finance\/blog\/education-loan\/odisha-government-education-loans-to-study-abroad\/#faq-question-1706079694150","name":"What are the benefits of the Kalinga Sikhya Sathi Yojana by the Odisha government?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"A 100% interest subsidy is provided for education loans to study abroad in amounts up to INR 15 lakhs.\u00a0","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/9779","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/users\/29"}],"replies":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/comments?post=9779"}],"version-history":[{"count":4,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/9779\/revisions"}],"predecessor-version":[{"id":9812,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/9779\/revisions\/9812"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/media\/9804"}],"wp:attachment":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/media?parent=9779"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/categories?post=9779"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/tags?post=9779"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}