Introduction
The Government of India has launched the CSIS loan scheme for students in 2025, offering up to ₹10 lakh in education loans without any collateral. Through the Jan Samarth Portal, you can apply for government-backed loans with interest subsidy benefits of up to 35% waived — all from the comfort of your home.
What is the CSIS Loan Scheme?
CSIS stands for Central Sector Interest Subsidy, a government loan scheme designed to support students from economically weaker sections in pursuing higher education.
Key Highlights:
- Loan up to ₹10 lakh available
- 35% of the loan amount is waived as subsidy
- No guarantee or collateral required
- Interest subsidy is offered if course is completed
- Money is transferred directly to your bank account
Who is Eligible?
To be eligible for the CSIS scheme:
- The applicant’s family income must be below ₹4.5 lakh per annum
- Must be pursuing technical or professional education
- Course must be completed to avail full interest subsidy
- Dropouts or discontinued students will not receive subsidy
Required Documents
Only the following documents are needed:
- Aadhaar Card
- PAN Card
- Bank Account details
- Mobile number linked with Aadhaar
- Educational information (course, fees, duration, etc.)
No additional documents are required beyond these.
How to Apply for Government Loan Online via Jan Samarth Portal
Follow these exact steps shown in the video:
- Open Google and search for “Jan Samarth”
- Click on the official Jan Samarth portal
- On the homepage, click on the “Schemes” section
- Select Education Loan > Click on CSIS Loan Scheme
- Click on “Check Eligibility”
Filling the Eligibility Form
You’ll need to provide:
- Location of study (India or Abroad)
- Gross family annual income (choose less than ₹4.5 lakh)
- Caste (General, OBC, SC/ST)
- Type and duration of course (Bachelor’s, Master’s, etc.)
- Course fee (e.g., ₹7 lakh)
- Amount you have (e.g., ₹3 lakh)
- Required loan amount (auto-calculated)
Click “Calculate Eligibility” to proceed.
If eligible, the portal will show the loan amount and waived subsidy. For example:
- Required loan: ₹4 lakh
- Subsidy: ₹1.36 lakh
- EMI: ₹3,470 over 20 years
How to Apply (Step-by-Step)
- Click on Login/Register
- Enter mobile number and captcha
- Verify using OTP
- Register and login to the portal
- Proceed to the loan application form
- Upload Aadhaar and PAN details for verification
- Enter bank account and educational details
- Click on Final Submit
Once submitted:
- Application is reviewed
- Documents are verified by officials
- If approved, loan is disbursed within 48 hours
Summary of Benefits
| Feature | Details |
| Loan Amount | Up to ₹10 lakh |
| Collateral | Not required |
| Interest Subsidy | 35% waived (up to ₹1.36 lakh shown in example) |
| EMI Example | ₹3,470 for ₹4 lakh over 20 years |
| Processing Time | 48 hours after approval |
Final Words
Through the CSIS loan scheme, the Modi Government ensures that no student’s education stops due to lack of funds. With no collateral, fast approval, and interest subsidy, it’s one of the most accessible education loan options available today.
Visit the Jan Samarth portal, check your eligibility, and apply for the loan now.