Financial Aid

The fee should never be the reason you do not build a career.

Tovra Works exists to make professional training accessible. Through our partnership with national financial institutions, we ensure that talent is the only prerequisite for your success.

GOVERNMENT LOAN

Train on a government loan. Repay from your salary. Nothing upfront.

Our unique “Pay While You Earn” model leverages the Vidya Lakshmi portal to bridge the gap between your ambition and your current financial status. We handle the paperwork, you handle the training.

₹0

Opportunity

100%

Course fee covered

Repay

After employed

The Process

Step by step, from application to training

This is not a complicated process. It is a government portal with a structured application. Here is exactly what happens.

01 Confirm Seat

Clear the interview and secure your provisional admission letter.

02 Vidya Lakshmi

Formal application on the central government portal for skill loans.

03 Support

Institutional backing and documentation through IDAN/NSEDM.

04 Sanctioned

Loan approval and direct disbursement to the institute.

05 Train & Repay

Complete training, get placed, and start small monthly repayments.

Why This Application Is Strong

You are not applying alone.

A skill loan application is stronger when it carries institutional weight. Our programmes are delivered in collaboration with two of Nagaland’s most established skill development institutions

IDAN Partnership

IDAN is available to act as guarantor for eligible candidates applying for the skill loan. Their involvement in this program reflects a formal institutional commitment to creating employment pathways for Nagaland’s youth. Having IDAN’s name attached to your application carries real weight with lending institutions.

A Shared Commitment

This program is a first-of-its-kind collaboration between the government, financial institutions, and
industry leaders to create a zero-entry barrier path for Nagaland’s youth.

NSEDM Support

NSEDM provides the forwarding letter that accompanies your Vidya Lakshmi Portal application. As a government-mandated skill development body, their endorsement formally connects your application to the state’s skill development infrastructure.

Questions on the Loan

What candidates ask us most

Do I need a family member with assets to act as guarantor?

Not necessarily. IDAN is available to act as guarantor for eligible candidates under this program. The collaboration between Tovra Works, IDAN, and NSEDM exists specifically to remove this barrier for Nagaland’s youth. However, the Vidya Lakshmi portal does require a co-applicant in order to apply.

What is the Vidya Lakshmi Portal and is it safe?

The Vidya Lakshmi Portal is the Government of India’s official centralized platform for skill and education loan applications. It is government-operated, secure, and the only channel through which skill loans of this type are applied for. Tovra Works will help you apply for the skill loan.

When does repayment start?

Repayment begins after a year, which basically means after you have entered your professional career and are earning a salary. You are not expected to repay during training or during the internship period. The structure of the loan is designed to align with your income timeline.

What if I do not get a job?

Once you complete the program, we connect you directly with our employer partners who are actively hiring from our graduate pool, help you prepare for interviews, and stay with you until you’re working, not just until the course ends. However, specific repayment terms in exceptional circumstances are governed by the lending institution’s policies, which will be clearly communicated to you during the loan application process.

Loan Eligibility by Program

Know which programs the loan applies to before you apply.

Featured Fellowship

Hot Kitchen Fellowship

Master the art of baking. Eligible for full course fee coverage via institutional partners.

Pay While You Earn

Specialized Path

Bakery and Patisserie Fellowship

Apply through the Vidya Lakshmi Portal with NSEDM forwarding letter and IDAN guarantor support. Full course fee covered.

Pay While You Earn

Fast Track

Short-Term Hotel Operations

The skill loan may be available for the hospitality program depending on individual candidate eligibility under the government skill loan criteria. Contact us directly to check your eligibility before applying.

Pay While You Earn

For Hospitality Candidates

The Pioneer Circle. Not everyone gets in.

A rewards program exclusively for enrolled Tovra Works candidates.

The Pioneer Circle is Tovra Works’ invitation-only rewards program for candidates who believe in what they signed up for enough to bring someone else into it. It is a recognition program for candidates who are serious, committed, and connected in their community

Eligibility Requirements:

Talk to Us

Every financial question deserves a straight answer.

Whether you are trying to understand the loan process, checking eligibility for the hospitality program, or asking about the Pioneer Circle, we will give you a direct answer without making you feel like you are asking something you should not.

Call Us

+91 9077796783

Email Us

hello@tovraworks.com

Quick Eligibility Check

Send us a message on WhatsApp and our bot will guide you through the initial eligibility check in under 2 minutes.