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Kerala bank vidyanidhi scheme – eligibility, importance, how to join 


             Kerala bank introduced  an investment scheme  for children called vidyanidhi scheme. It is for children studying in 7 to 12 classes. It helps the children  to save money for their educational  needs.children between 12 to 16 can open a savings account  for this benefit. The account  holders will get an SMS alert,DD charge( up to Rs 5000 monthly and Rs 30,000annually) ,free RTGS,IMPS services, NEFT,priority  for educational  loan,free ATM card,mobile phone banking also. They will get direct benefit  transfer on scholarships  offered by central and state governments. 

       Parents  of the child can open a special privilege account. They will get insurance  coverage up to Rs 2 lakhs. The first premium paid by the bank.There are a lot of banks affiliated to the kerala bank.it helps children to lead a good life .children can open savings bank accounts in kerala bank.It has a lot of offers. 

          It increases the savings habits among children  and encourages  them to save the money and use their investment to finance educational requirements. Vidyanidhi  scheme provides special  benefits  to the account holder.These students accounts  have priority  for educational  loans. They have the option to continue their accounts or close them once they pass out of class 10. Various scholarships of the state ,Central government will be channeled through  the accounts. students should open an account in the nearest kerala bank.


  • The students  must have a permanent  residence  in Kerala state.
  • It is only for the students  of age between 12 to 16 years.


  • Adhar card
  • Passport size photo
  • Age proof certificate 
  • Mobile number 
  • Residential certificate
  • School Identity  card We can apply for the vidyanidhi  scheme online.
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