- The Government of Kerala has consistently prioritised education through policies such as free education up to the 10th standard, adult literacy programs, and scholarships for economically disadvantaged students. The Kerala State Literacy Mission Authority has implemented various programs that focus on primary education by providing training to those who missed formal schooling.
- Kerala has a decentralized education system. This approach ensures that rural populations have access to primary schools within short distances. In addition, the state also provides subsidised transport and localised literacy campaigns that further enhance the accessibility of educational opportunities.
- In addition to an environment that promotes learning and education, students of Kerala also have excellent institutions in the state that they can target after their 10th and 12th examinations. A few of them are listed below:
- Indian Institute of Management, Kozhikode
- National Institute of Technology (NIT) Calicut
- Indian Institute of Space Science and Technology
- Mahatma Gandhi University
- National University of Advanced Legal Studies
- Kerala Veterinary and Animal Sciences University
- Kerala University of Fisheries and Ocean Studies
- Kerala Agriculture University
Beyond 10th & 12th Boards for Kerala Students: Opportunities on Buddy4Study Platform
If you’re a student in Kerala searching for scholarships, internships, fellowships, education loans, grants, or career guidance, Buddy4Study is an online portal designed to help. This platform provides a comprehensive solution to tackle financial hurdles in your educational journey. Some of the most significant education funding options you can explore are as follows:
National Scholarship Opportunities
Students of Kerala can find various national-level scholarships on the Buddy4Study platform. Some of these are mentioned below.
Buddy4Study Scholarship Support Programme 2025-26
For the academic year 2025-26, Buddy4Study features scholarships for students in India who are pursuing higher education after Class 10th, 12th, or are in their first year of undergraduate studies. These scholarships provide an annual reward of ₹25,000 to ₹1,00,000. Students from Kerala who meet the eligibility criteria should apply for it via the Buddy4Study platform before the application closes on May 15, 2025.
NSP Central Sector Scheme of Scholarship for College and University Students
Students who are pursuing professional undergraduate or postgraduate courses in AICTE-recognised institutions after passing Class 12 can benefit from scholarships offered by the Department of Higher Education, Government of India. Students who have an annual family income of ₹4,50,000 or less can apply via the NSP platform. Selected scholars shall receive up to ₹20,000 annually.
Indira Gandhi Single Girl Child Scholarship
Offered by the UGC, this scheme aims to empower single girl children in India by financially supporting their postgraduate education. Selected candidates receive a yearly stipend of ₹36,200 for two years while pursuing a regular Master’s degree. Notably, students can avail the benefits while receiving other scholarships.
The PM Yasasvi scheme is a support offered by the Ministry of Social Justice and Empowerment for the education of OBC, EBC, and DNT students who have passed Class 12. It covers the tuition fee, living costs, books, and other study-related expenses for full-time courses. Students who have an annual family income up to ₹2,50,000 are eligible to apply.
AICTE Pragati Scholarship for Girls
This scholarship is for female Indian nationals (up to two per family) admitted to the first year of a diploma/degree (or second year via lateral entry) at an AICTE-approved institution. Their annual family income should be less than ₹8,00,000. Each year 10,000 students (5,000 diploma, 5,000 degree) receive a one-time scholarship of ₹50,000 per year until course completion.
Beyond 10th & 12th Boards for Kerala Students: State-Specific Scholarship Opportunities
Beyond Central Government scholarships, Kerala students have access to numerous exclusive scholarship opportunities. Buddy4Study provides a comprehensive list that is highly recommended. Some of these state-specific scholarships are highlighted below.
KSCSTE Prathibha Scholarship Programme
The KSCSTE Prathibha Scholarship Programme is offered by the Kerala Science & Technology Council. It encourages the higher education of undergraduate students in Indian institutions pursuing ‘Basic or Natural Sciences’. Selected students will receive annual financial support of up to ₹60,000.
The Jilla Merit Award is awarded by the Department of Collegiate and Higher Education, Government of Kerala. It recognises outstanding academic achievement in the SSLC examination. Students domiciled in Kerala who have secured A+ grades in all subjects in the SSLC exam are eligible. Selected scholars will receive an annual award of ₹1,250.
ITC Fee Reimbursement Scholarship
This scholarship offered by the Department of Minority Welfare, Government of Kerala aims to encourage the education of students from minority communities (Muslim, Christian, Sikh, Buddhist, Parsi, Jain, etc.). It provides a one-time scholarship of up to ₹20,000 to students in government-approved ITC/ITI institutions.
The E-Grantz portal specifically lists post-matric scholarships for students from SC, OBC, OEC, and other disadvantaged socioeconomic groups. The amount of financial aid provided through these schemes varies depending on the student’s category and their current level of education.
Bhinnaseshy Souhrida Scholarship
The Kerala Government’s Bhinnaseshy Souhrida Scholarship supports blind, physically handicapped, and deaf students in government/aided arts & science, music, higher secondary, and vocational higher secondary schools. Selected students will receive monthly financial assistance.
This is for applicants who have Hindi as a subsidiary subject at the degree level and as a main subject in B.Ed/M.Ed/MA/M.Phil/PhD. Undergraduate students shall receive ₹500 per month (180 slots), and postgraduate students will receive ₹1000 per month.
Suvarna Jubilee Merit Scholarship
This scholarship is for first-year undergraduate or postgraduate students in government/aided colleges or universities. Students who belong to BPL families and have scored 50% or higher in their qualifying examination. The annual award is ₹10,000.
Beyond 10th & 12th Boards for Kerala Students: Education loans
Apart from scholarships, the buddy4study platform also hosts several opportunities for education loans offered by the public and private institutions. They are listed below:
Kerala NMDFC Education Loan Scheme
The Kerala NMDFC Education Loan Scheme offers financial aid to minority students (Muslims, Sikhs, Buddhists, Christians, Parsis) in Kerala pursuing technical and professional courses (up to 5 years). Eligible students can receive loans up to ₹20 lakh for studying in India and ₹30 lakh for pursuing overseas education at nominal interest rates.
The Government of India offers the Dr. Ambedkar Central Sector Scheme of Interest Subsidy on Educational Loans for Overseas Studies. This scheme provides financial assistance by subsidising the interest on education loans for Other Backward Classes (OBC) and Economically Weaker Sections (EWS) students pursuing Master’s, M.Phil., or PhD degrees abroad. Admission to a recognised foreign institution is a prerequisite for applying to this study abroad loan program.
Education Funding Solutions After 10th and 12th: Buddy4Study Education Loan Programme
The Buddy4Study Education Loan Programme assists students seeking higher education both in India and overseas by facilitating collateral-free loans up to ₹40 lakh. Through partnerships with banks and Non-Banking Financial Companies (NBFCs), the program offers interest rates starting from 8.1%, which may vary depending on the educational institution and chosen course. This initiative strives to democratise access to quality education by alleviating the financial constraints faced by ambitious students.
Buddy4Loan offers a streamlined and user-friendly online platform designed to simplify the education loan application process. The website focuses on providing customised loan solutions tailored to individual student needs, thereby facilitating easier financing for their academic pursuits.
Beyond 10th & 12th Boards for Kerala Students: Admission Based Scholarships in Kerala
Indian Institute of Management, Kozhikode
Students who have secured admission in IIM Kozhikode can avail of the following scholarships:
- IIMK Merit Scholarship
- IIMK Need Based Financial Assistance (NBFA)
National Institute of Technology (NIT) Calicut
NIT Calicut offers the following scholarships to its students:
- DRCT Scholarship
- CREC-SJET Scholarship
- CREC-SIET Weak Student Support Scholarship
- SILA Scholarship
Also read: Kerala E-Grantz 3.0 – A Web-Based Grant Distribution Portal
Beyond 10th & 12th Boards for Kerala Students: Career Guidance with Buddy4Study
Students in Kerala who are currently completing their 10th or 12th standard now have access to a dedicated platform designed to provide career guidance and facilitate the development of a clear academic and professional roadmap. This resource offers a range of valuable insights intended to support their decision-making process. A selection of these features is outlined below:
Unlock your career potential with a psychometric test. This insightful assessment delves into your strengths, weaknesses, personality, and aptitude in learning and work environments, guiding you towards enjoyable and promising career avenues you might not have considered.
If you’re deciding on your Class 11 subjects, our stream selector test can definitely help you. It identifies the best fit based on your strengths and interests, leading you towards a suitable and satisfactory career.
If you need a hassle-free education loan, Buddy4Loan provides a straightforward online platform to simplify the process. It offers tailored loan solutions to meet specific student needs, making educational funding significantly easier.
Beyond 10th & 12th Boards for Kerala Students: Additional Resources on Buddy4Study Platform
Apart from scholarships and loans, Buddy4Study also provides the following additional resources on its platform:
Career Guidance: Get expert advice on choosing the right career path based on your interests and skills.
- Stream Selector Test – https://www.buddy4study.com/stream-selector
- Psychometric Test – https://www.buddy4study.com/psychometric-test
Buddy4Study’s Online Degree Scholarship Support Programme
The Buddy4Study Online Degree Scholarship Support Programme helps students access online education at top UGC-approved Indian universities by offering a first-semester fee discount of up to 15%. This program supports undergraduate and postgraduate online studies in over 250 specialisations across more than 100 highly-rated Indian universities.
Application Link: https://www.buddy4study.com/page/online-degree-scholarship-support-programme
- Internships and Fellowships: Explore internship and fellowship opportunities that complement your academic growth.
Beyond 10th & 12th Boards for Kerala Students: Registering and Applying on Buddy4Study
To get started on your educational journey, follow these simple steps:
Step 1: Register on Buddy4Study
- Create an account: Visit the Buddy4Study website and click on the “Sign Up” option.
- Enter your details: Provide basic details such as your name, email address, phone number, and educational background.
Step 2: Explore Available Scholarships and Programs
- Once registered, you can search for available scholarships based on your qualifications, field of study, and location.
- Use filters like Class 10th/12th, state-specific scholarships, and more to find the most relevant opportunities.
Step 3: Apply for Scholarships and Loans
- After selecting the scholarships, carefully read the eligibility criteria and gather the required documents.
- Submit your online application directly through the platform. Most scholarships and programs allow you to track your application status in real-time.
Step 4: Staying Updated
- Keep an eye on the notifications and deadlines for various scholarships and funding programs.
- Buddy4Study will also send you reminders for upcoming deadlines and new opportunities.
Registration Link – https://www.buddy4study.com/register
Also read: DCE Scholarship – All You Need to Know About Kerala Scholarship
Beyond 10th & 12th Boards for Kerala Students: FAQs
What is the literacy rate of Kerala?
As per the statistics of the Ministry of Statistics and Programme Implementation, the literacy rate of Kerala stands at 94% with 96.1% literate males and 92.1% literate females.
What factors contribute to Kerala’s high literacy rate?
Government policies like free education up to Class 10, adult literacy programs, scholarships for economically disadvantaged students, and a decentralized education system contribute significantly.
Identify some of the prominent institutions in Kerala for higher education.
Notable institutions include IIM Kozhikode, NIT Calicut, Indian Institute of Space Science and Technology, and Kerala University of Fisheries and Ocean Studies.
Which scholarship program on Buddy4Study offers rewards between ₹25,000 to ₹1,00,000 annually?
The Buddy4Study Scholarship Support Programme 2025-26 provides financial support between ₹25,000 to ₹1,00,000 annually to students pursuing higher education after Class 10 or 12.
What is the eligibility for the Shramik Card Scholarship?
The scholarship supports students whose parents are registered unorganised sector workers, covering their education from Class 6 to postgraduate levels.
What scholarship supports the education of single girl children in India?
The Indira Gandhi Single Girl Child Scholarship supports the education of single girl children and provides ₹36,200 annually for postgraduate education.
What is the amount provided by the KSCSTE Prathibha Scholarship Programme?
The KSCSTE Prathibha Scholarship Programme offers annual financial support of up to ₹60,000 for undergraduate students pursuing basic or natural sciences.
How much is the Jilla Merit Award for Kerala students who scored A+ in SSLC exams?
The Jilla Merit Award provides ₹1,250 annually to students who secured A+ grades in the SSLC examination.
What is the amount offered under the Kerala NMDFC Education Loan Scheme?
This scheme offers loans up to ₹20 lakh for studies in India and ₹30 lakh for overseas education for minority students pursuing technical and professional courses.
Which Buddy4Study program offers a first-semester fee discount of up to 15%?
Buddy4Study's Online Degree Scholarship Support Programme offers a first-semester fee discount for students pursuing undergraduate and postgraduate online courses.
What is the reward under the Indira Gandhi Single Girl Child Scholarship?
Under this scheme, selected candidates receive a yearly stipend of ₹36,200 for two years while pursuing a regular Master's degree.
What is the AICTE Pragati Scholarship for Girls?
This scholarship is for female Indian nationals (up to two per family) admitted to the first year of a diploma/degree (or second year via lateral entry) at an AICTE-approved institution.
What is the Jilla Merit Award?
The Jilla Merit Award recognizes outstanding academic achievement of students domiciled in Kerala who have secured A+ grades in all subjects in the SSLC exam.
What is the Suvarna Jubilee Merit Scholarship?
The Suvarna Jubilee Merit Scholarship is for first-year undergraduate or postgraduate students in government/aided colleges or universities who belong to BPL families and have scored 50% or higher in their qualifying examination.
What is the reward under the ITC Fee Reimbursement Scholarship?
ITC Fee Reimbursement Scholarship provides a one-time scholarship of up to ₹20,000 to students in government-approved ITC/ITI institutions.