Empowering Education: DWCRA Women Gain Access to ₹1 Lakh Loans Through NTR Vidya Sankalp Scheme

In a transformative move to bolster education and empower women, the Andhra Pradesh government has launched the NTR Vidya Sankalp Scheme, a groundbreaking initiative aimed at supporting the children of DWCRA (Development of Women and Children in Rural Areas) members. This scheme, introduced in June 2025, provides low-interest loans of up to ₹1 lakh to DWCRA women to fund their children’s education from kindergarten to postgraduate levels. With an annual budget of ₹200 crore, the program is set to reshape educational access for underprivileged families across the state.

The NTR Vidya Sankalp Scheme targets mothers enrolled in DWCRA groups, offering loans through the Stree Nidhi Cooperative Federation at a modest 4% interest rate. This initiative is designed to alleviate the financial burden of educational expenses, covering costs such as tuition fees, books, and other academic necessities. Recent reports indicate that the scheme is a response to the growing need for affordable education financing, particularly for rural families where economic constraints often limit opportunities. By providing accessible financial support, the government aims to ensure that no child is denied education due to monetary challenges.

Eligibility for the scheme is straightforward but inclusive. DWCRA women, who are part of self-help groups under the Stree Nidhi framework, can apply for loans ranging from ₹10,000 to ₹1 lakh. The funds are intended to support students at various educational stages, from primary school to professional courses like engineering and medicine. Unlike traditional loan schemes, the NTR Vidya Sankalp Scheme prioritizes ease of access, with minimal documentation and a focus on empowering rural women. Experts note that this approach not only promotes education but also strengthens the economic agency of women in underserved communities.

The scheme’s low interest rate of 4% is a standout feature, making repayment manageable for families with limited incomes. For instance, a ₹1 lakh loan can be repaid over several years with affordable monthly installments, reducing financial strain. Official statements emphasize that the initiative aligns with the state’s broader vision of fostering inclusive growth and reducing disparities in educational attainment. By channeling funds through Stree Nidhi, the government ensures that the loans are disbursed efficiently and reach the intended beneficiaries without bureaucratic delays.

The NTR Vidya Sankalp Scheme has garnered widespread praise for its focus on women’s empowerment and education. Posts on X reflect strong public support, with users highlighting the scheme’s potential to transform lives by enabling mothers to invest in their children’s futures. One user described it as “a game-changer for rural education,” underscoring the sentiment that the program addresses a critical gap in financial inclusion. However, some experts caution that effective implementation will be key, urging the government to monitor loan disbursal and ensure that funds are used exclusively for educational purposes.

Beyond its immediate benefits, the scheme is expected to have a ripple effect on Andhra Pradesh’s socio-economic landscape. By equipping children with better educational opportunities, the initiative aims to break the cycle of poverty in rural areas. Studies have shown that increased access to education correlates with higher employability and income levels, which could lead to long-term economic upliftment for DWCRA families. Additionally, empowering women to manage these loans fosters financial literacy and independence, further strengthening community resilience.

The Andhra Pradesh government’s commitment to allocating ₹200 crore annually to the NTR Vidya Sankalp Scheme signals a robust investment in human capital. As the program rolls out, it is poised to become a model for other states seeking to bridge the gap between economic hardship and educational aspiration. For DWCRA women, this initiative is more than just a loan—it’s a beacon of hope, ensuring that their children can dream big and achieve their potential. With its focus on education, empowerment, and inclusion, the scheme marks a significant step toward a brighter, more equitable future for Andhra Pradesh.