3/5/19

Vidya Lakshmi Portal for Education Loan Scheme: Details, Benefits, How to apply for Education Loans at vidyalakshmi.co.in

Vidya Lakshmi Portal for Education Loan Scheme: Details, Benefits, Vidyalakshmi Portal: Education Loan Scheme By Narendra Modi- Vidya Lakshmi Portal Government Education Loan Services : vidyalakshmi.co.in | How to apply for Education Loans in vidyalakshmi.co.in. The Vidya Laxmi scheme is a web portal where finding a proper education loan is easy and convenient to aspiring students. The scheme is aimed at providing a single window to all students to access funds and information related to educational loans as well as government scholarships. Government run education loan portal Vidya Lakshmi is a single platform where students can avail information on loans offered by 34 banks. Following the IBA guidelines, the portal is operating under the aegis of Department of Financial Services, Department of Higher Education and Indian Banks Association (IBA). With its scholarship initiative, Vidyasaarthi, the NSDL e-governance enabled portal has been able to help the students of remotest areas of the country as well in finding financial assistance for their studies.



What is Education Loan?
Education loan is a loan availed by the borrower for the purpose of managing the expenses of enjoying quality education. Education loan can be availed through the government or banks or even private lenders. The loan is offered to students who want to pursue education in India or abroad. The amount of loan offered to the student, depends on the course that is being pursued and the country where the student has secured admission. The education loan covers all the expenses related to completion of the course. The main benefit of availing an education loan is the repayment starts on the completion of the course.

Vidya Lakshmi is a first of its kind portal for students seeking Education Loan. This portal has been developed under the guidance of Department of Financial Services (Ministry of Finance), Department of Higher Education (Ministry of Human Resource Development) and Indian Banks Association (IBA). The portal has been developed and being maintained by NSDL e-Governance Infrastructure Limited. Students can view, apply and track the education loan applications to banks anytime, anywhere by accessing the portal.



TERMS AND CONDITIONS
1. Purpose for which the loan can be availed:  The loan will be sanctioned for extending financial assistance to deserving / meritorious students for pursuing higher education in India and abroad.

2. Courses Eligible:
 a. Studies in India:
  1. Graduation, Post-graduation including regular technical and professional Degree/Diploma courses conducted by colleges/universities approved by UGC/ AICTE/IMC/Govt. etc
  2. Regular Degree/ Diploma Courses conducted by autonomous institutions like IIT, IIM etc
  3. Teacher training/ Nursing courses approved by Central government or the State Government
  4.  Regular Degree/Diploma Courses like Aeronautical, pilot training, shipping etc. approved by Director General of Civil Aviation/Shipping
  5.  Vocational Training and skill development study courses will not be covered under the Education Loan Scheme, A separate scheme for ‘Skill Loans’ has been launched which covers financing for such Vocational courses
 b. Studies abroad:
  1.  Job oriented professional/ technical Graduation Degree courses/ Post Graduation Degree and Diploma courses like MCA, MBA, MS, etc offered by reputed universities
  2.  Courses conducted by CIMA (Chartered Institute of Management Accountants) - London, CPA (Certified Public Accountant) in USA etc.

3. Student Eligibility:
  1.  Should be an Indian National
  2.  Secured admission to Professional/Technical courses through Entrance Test/Selection process.
  3.   Secured admission to foreign university/Institutions.
  4.  No minimum qualifying marks stipulated in the last qualifying examination



Student Information
Welcome to Vidya Lakshmi Portal 
Vidya Lakshmi Portal provides single window for Students to access information about various loan schemes provided by banks and make applications for Educational Loans.

If you want to apply for education loan on Vidya Lakshmi portal, you must register on portal. Please provide essential details as mentioned in registration form.

Important Instructions
Please ensure that the registration details filled in are correct
Please enter password in required format

Guidelines for Registering on Vidya Lakshmi Portal
Name- Please enter student name as per 10th class marksheet or as per the marksheet attached with your loan application
Mobile Number- Enter a valid mobile number. Student can provide mobile number of parent/guardian
Email ID- Enter a valid email ID. Email ID will not be allowed to change. 
All necessary communications will be sent on this email ID.

How to apply for an educational loan through the Vidya Lakshmi portal?
  1. The below mentioned steps show the process through which an applicant can apply for education loans through the Vidya Laxmi portal:
  2. The applicant must register on the Vidya Laxmi portal.
  3. Fill the common application form for scholarship which is also known as common education loan application form (CELAF).
  4. The portal suggests various education loans based on the eligibility criteria of the applicant.
  5. The applicant can choose and apply for as per the requirements, eligibility and convenience.

The Vidya Laxmi scheme launched by the government is definitely one of the most comprehensive schemes that can make the application process of educational loans, simple and hassle free.

ప్రధానమంత్రి విద్యాలక్ష్మీ ఎడ్యుకేషన్ లోన్.. ఇలా అప్లై చేయండి. 
ఆర్థిక పరిస్థితి సరిగా లేని విద్యార్థులకోసం కేంద్రప్రభుత్వం ప్రధానమంత్రి విద్యా లక్ష్మీ ఎడ్యుకేషన్ లోన్ స్కీమ్‌ని ప్రవేశపెట్టింది. ఈ లోన్‌ పొందాలంటే వివరాలు ఏంటో తెలుసుకోండి.

 ప్రధానమంత్రి విద్యా లక్ష్మీ ఎడ్యుకేషన్ లోన్ స్కీమ్ ద్వారా పేద విద్యార్థులకు ఆర్థిక సాయం చేసేందుకు కేంద్రప్రభుత్వం చర్యలు చేపట్టింది. ఆర్థికస్థోమత తక్కువగా ఉన్నవారు పైచదువులు చదివేందుకు ఈ లోన్ సదుపాయం చక్కగా ఉపయోగ పడుతుంది. ఇందులో 22 వేర్వేరు విద్యారుణాలున్నాయి.


How to apply for Education Loans in  vidyalakshmi.co.in  

లోన్ పొందేందుకు అర్హతలు:
➤ఇంటర్మీడియెట్ పూర్తి చేసి ఉండాలి.
➤ విద్యార్థులు ఖచ్చితంగా భారతీయులై ఉండాలి.
➤ విద్యార్థుల తల్లీదండ్రులు ఆదాయ సర్టిఫికెట్స్ ఉండాలి.

లోన్ ఎలా అప్లై చేయాలంటే...
➤ముందుగా  www.vidyalakshmi.co.in వెబ్‌సైట్‌లో మన పర్సనల్ డీటెయిల్స్ ఫిల్ చేయాలి.
➤మన డీటెయిల్స్‌ని బట్టి ఎంతవరకూ లోన్ పొందొచ్చో తెలుసుకోవచ్చు.
➤ మన వివరాలు చూసి పరీక్షించిన బ్యాంక్స్ మనం లోన్‌ తీసుకునేందుకు అర్హులో.. కాదో తెలియజేస్తాయి.
➤ఒకవేళ మనం అర్హులైతే నగదు నేరుగా మనం ఇచ్చిన అకౌంట్‌లో చేరుతుంది. ఒకవేళ మీ అప్లికేషన్ హోల్డ్‌లో ఉంటే.. మన నుంచి బ్యాంక్ అదనపు వివరాలు కోరుతుందని అర్థం.
➤ ఆ సమయంలో ఏమైనా వివరాలు మనం పొందుపరిచామో లేదో ఒకసారి మళ్లీ చెక్ చేసుకోవాలి.

ఈ స్కీమ్‌లో ఆన్‌లైన్ పోర్టల్ కూడిన బ్యాంకులు..
SBI
IDBI
Bank of India
Canara Bank
Union Bank of India
Corporation Bank
Dena Bank
Punjab National Bank
Punjab and Sindh Bank
Oriental Bank of Commerce
Central Bank of India
Kotak Mahindra Bank
Vijaya Bank
Punjab and Sind Bank
Bank of Baroda
Andhra Bank
Federal Bank
HDFC Bank
ICICI Bank
Axis Bank
UCO Bank
Indian Bank
Bank of Maharashtra
Indian Overseas Bank
RBL Bank
Syndicate Bank
Abhyudaya Co-operative Bank Limited
DNS bank
Karur Vysya Bank
Tamilnad Mercantile Bank Ltd.

ఇందులో విద్యార్థులకు ఓ అవకాశాన్ని కల్పిస్తున్నారు. ఒకే సారి మూడు బ్యాంకుల ద్వారా లోన్‌కి అప్లై చేయొచ్చు. అందులో ఏ బ్యాంకులో తక్కు వడ్డీ ఉంటే అందులోనుంచి తీసుకోవచ్చు.


www.vidyalakshmi.co.in Official Website

MOST IMPORTANT TERMS AND CONDITIONS

vidyalakshmi scheme apply online

If you are scouting for an education loan, you don't need to run from the pillar to the post anymore. Instead, you can just visit one integrated government-run portal that caters to all the education-loan related needs.  Known as Vidya Lakshmi, this is a portal developed under the aegis of Government of India's three departments: Department of Financial Services, Department of Higher Education and Indian Banks Association (IBA).

Seeking education loan entails three steps. At the outset, a student only needs to do the register himself/herself. For this, the student need to provide some details such as name, mobile number, email id, password and the captcha code.

After this, one is supposed to fill up a Common Education Loan Application Form (CELAF). It is a single form that enables you to apply for educational loan to any of the 34 banks registered with Vidya Lakshmi. Since this is the form prescribed by Indian Banks Association (IBA), it is accepted by all the banks. The banks that are registered with Bank of India, Canara Bank, Corporation Bank, IDBI Bank, ICICI Bank, Indian Bank, Indian Overseas Bank and Karur Vysya Bank, Vidya Lakshmi include Allahabad Bank, Bank of Baroda, and Dena Bank.

After logging in, it is advisable to search for various loans offered by several banks on the virtual landscape. In case it perfectly matches your requirement and preference, you can zero in on the bank, and go ahead with your application.  

Once you send your CELAF to a particular bank, you can keep a tab on your application by sending your query/grievance directly to the respective bank via Vidya Lakshmi. 

However, there might be a possibility that the loan eventually gets rejected. In that case, the student even has the scope of applying for two more banks out of the total number of 34 financial institutions that are part of the stable.

Students can comfortably coordinate with the bank at the portal. The banks have a separate log in just as the students and they can download the student forms from Vidya Lakshmi. 

Having sent the education loan application form here, the student can check the loan application status on the portal. However, one must remember that a student is allowed to apply for a maximum of three banks via Vidya Lakshmi Portal.

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