The Problem
The gap between irregular rural income and regular school fees creates a crisis that permanently forces children out of classrooms.
Seasonal Income
Rural parents earn seasonally but schools demand monthly fees
of rural families miss fee deadlines due to harvest timing
Monthly School Fees
Income irregularity creates a cycle of payment stress and delays
of dropout cases linked to fee non-payment in our study
Student Dropouts
Financial pressure permanently forces children out of school
of rural children who drop out never return to school
Our Solution
Community-funded education support cards with zero interest
Donors Contribute
Philanthropists fund a revolving credit pool for education access
Parents Receive Card
ShikshaCard is issued to families enabling cashless fee payment
Schools Paid Upfront
Schools receive guaranteed, timely fee payment each term
Parents Repay
Families repay flexibly based on their harvest or income cycle
Impact Reported
Donors see real-time, verified impact reports on every rupee
How ShikshaCard Works
Real Impact Story
Student Success Journey
Priya Sharma
14 years · 9th Standard
Digital Card
Secure ID linked to school
Flexible Credit
Repay based on income
Direct Payment
Funds sent to school
Zero Interest
No interest charged
Partner Schools
Trusted by leading educational institutions across rural India
Govt. School Rajasthan
Rajasthan
450+
State Vidyapith Delhi
Delhi
380+
Rural Education Hub MP
M.P.
320+
Village Academy UP
U.P.
290+
Gram Shikshan Centre
Bihar
210+
Plan Your
Repayment
Adjust the sliders to see your monthly payment — always at 0% interest.
Zero Interest · No Hidden Charges
Pay only what you owe — nothing more
Monthly EMI
₹1,000
per month for 12 months
vs. Bank Loan (15% p.a.)
You Save
₹1,800
13% less than bank
Total Payable
₹12,000
exactly what you owe
Benefits for Everyone
A win-win solution for all stakeholders
For Schools
For Donors
For Parents
Technology & Transparency
Built on trust with cutting-edge technology and complete financial transparency.
Mobile-First Platform
Access from any device, anywhere in rural India
Secure Database
Bank-grade security for all transactions and data
Encrypted Payments
End-to-end encryption for all financial transactions
Real-Time Tracking
Live updates on donations, payments, and progress
Full Visibility
See exactly where every rupee goes
Digital Records
Immutable transaction history for accountability
Impact Reports
Student progress and fund utilization reports every month
Verified Payments
Direct school payments with real-time confirmation
Our Impact
Real numbers, real impact — every rupee tracked, every student counted
Children who stayed in school because of ShikshaCard support
Schools across rural communities trusting our platform
Individuals and organizations funding education
Total funds channeled directly to students in need
Voices of Change
From farmers to principals to donors — real people, real impact
“My son was about to drop out due to delayed fee payments. ShikshaCard saved his education. Now I can pay when the harvest comes.”
Ramesh Kumar
Farmer · Maharashtra
“With ShikshaCard, our school receives fees on time. Teachers are happy, and we can focus on education instead of chasing payments.”
Dr. Rajesh Sharma
Govt. School · Nagpur
Our Impact
1,000+
Students Helped
50+
Active Donors
10+
Partner Schools
“I can see exactly how my contribution helps. The transparency and direct impact make me want to sponsor more students.”
Sunita Patel
Software Engineer · Pune
Avg. Rating
5.0
How do you want to help?
Choose your role below — each path takes less than 5 minutes to get started.
Sponsor a Student
As little as ₹500/month keeps one child in school
- Pick a student profile to sponsor
- Contribute ₹500–₹2,000 / month
- Track fee payments in real time
Join us to make SikshaCard a reality
We are raising a ₹2 Cr revolving fund to kickstart our pilot and transform education in rural India.
- Every rupee revolves — lent, repaid, then reused
- Direct impact on rural school families
- Transparent on-chain fund tracking