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The cost of higher education in India and overseas is climbing every year. With tuition, accommodation, and living expenses adding up, most families turn to education loans to manage the financial load. To reduce this pressure, the Government of India along with several Tier-1 states has launched loan subsidy programs and scholarships to make education more accessible.
This article highlights the top central schemes, explains how to apply for scholarships, and lists the major Tier-1 state-level options available in 2025.
While education loans are essential to cover study expenses, repaying them can be a challenge for middle-income and lower-income households. This is why government-supported education loan schemes play such a vital role.
Key benefits include:
💡 Tip: Before applying, use our Education Loan EMI Calculator to estimate your repayment schedule.
1. Central Sector Interest Subsidy Scheme (CSIS)
2. Dr. Ambedkar Central Sector Scheme (OBC & EBC Students)
3. Vidya Lakshmi Portal
Leverage both central and state schemes – for maximum support
Scholarships are financial awards that don’t need to be repaid. They can help cover tuition, living costs, or reduce loan interest.
Types of scholarships:
📊 Try our Education Loan EMI Calculator to see how subsidies and scholarships can lower your repayment load.
TN Govt. Education Loan SubsidyInterest reimbursement on timely repaymenttn.gov.in
State | Scholarship Scheme | Eligibility Highlights | Official Link |
| Maharashtra | Rajarshi Shahu Education Loan Scheme | 100% interest subsidy for first year | maharashtra.gov.in |
Tamil Nadu | TN Govt. Education Loan Subsidy | Interest reimbursement on timely repayment | tn.gov.in |
| Karnataka | Vidyasiri Scholarship | For backward class & minority students | www.vidyasaarathi.co.in/Vidyasaarathi/ |
| Delhi (NCT) | Delhi Higher Education Aid | Tuition fee reimbursement for eligible students | edudel.nic.in |
| Gujarat | Digital Gujarat Scholarships | Multiple community & merit scholarships | digitalgujarat.gov.in |
| Uttar Pradesh | UP Post-Matric Scholarship | SC/ST/OBC/Minority students | https://upscholarshipstatus.co/ |
| West Bengal | Swami Vivekananda Merit-cum-Means | For economically weaker students |
For 2025, students have multiple opportunities through central subsidies and state scholarships to finance their education more effectively. Whether you’re preparing for studies in India or abroad, checking both national and state-level portals can maximize your chances of financial aid.
Plan ahead with tools like our Education Loan EMI Calculator and Personal Loan EMI Calculator to better understand repayment and stay financially prepared for your academic journey.
