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Vidya Lakshmi Portal : Apply Online, Benefits, Documents & Eligibility

Vidya Lakshmi Portal 2024:- As we all know many students want to study abroad but due to financial problem they are unable to complete their dream of studying abroad. And if they want to apply for education loan there is no proper portal is available for it. So to solve this problem Vidya Lakshmi Portal has been started. In this portal students can apply for loans in all banks through a single application service.



Read the full article because in this article we are going to provide you complete details about the Vidya Lakshmi Portal, its features and benefit, its objective, Procedure for registration on Vidya Lakshmi Portal, etc. and if you still have any doubt you can comment below we will try to solve it as soon as possible.

Vidya Lakshmi Portal

About Vidya Lakshmi Portal 2024

Vidya Lakshmi Portal is a central IT-Based education loan platform. This platform was maintain and supervise by NSDL e-Governance Infrastructure Limited. This portal is 100% secure and authentic because it was launched in the supervision of the Ministry of Finance, Indian Banks Association and Ministry of Education. In this portal students can apply for Education loans in all banks through a Common Education Loan Application Form (CELAF). There are more than 130 loans schemes are available for students. As we all know loan process take a lot of time and energy but using this portal you can apply for loan by sitting at your home. The interest on loans depends on the requirement usually it range between 8.4% to 18%.

My Scheme Portal

Vidya Lakshmi Portal Key Highlights

Name of the portalVidya Lakshmi Portal
BeneficiariesIndian students
ObjectiveTo provide educational loan
Application ModeOnline
Interest RangeBetween 8.4% to 18%
Year2024
Official Websitehttps://www.vidyalakshmi.co.in/Students/

Vidya Lakshmi Portal 2024 Objective

The main objective of this portal is to provide loans to the students who wanted  to go abroad for further studies in a time bound manner. Students can apply for loan in multiple bank through a Common Education Loan Application Form (CELAF). With the help of this portal students can take loan without going to the banks.

National Education Policy

Vidya Lakshmi Portal Features

  • Vidya Lakshmi Portal is a central IT-Based education loan platform. This platform was maintain and supervise by NSDL e-Governance Infrastructure Limited.
  • This portal is 100% secure and authentic because it was launched in the supervision of the Ministry of Finance, Indian Banks Association and Ministry of Education.
  • Common Education Loan Application Form (CELAF) to apply for loans in all banks.
  • Remote service is available so there is no need to visit bank branch.
  • You can apply for maximum loan amount.
  • You can register complains and grievance online.
  • There is no hidden charges and faster processing.
  • Loan amount will be directly sent to your bank account.
  • Compliance to CSIS (Central Sector Interest Subsidy) for Educational loan benefits.

Vidya Lakshmi Portal Benefits

  • Students can get information about all banks education loan scheme at one place.
  • Students can apply for Education loans in all banks through a Common Education Loan Application Form (CELAF).
  • Banks can upload loan processing status in the portal.
  • Students can registered complains and grievance online.
  • Banks can check student loan application form online.
  • Students can get information about government scholarship programmed in this portal because this portal is linked with National Scholarship Portal.

Eligibility Criteria

  • The applicant should be indian citizen.
  • The applicants must complete class 11th to 12th.
  • Applicants must have secure 50% marks in previous year final exam.

Study In India Portal

List Of Bank Providing Loan In Vidya Lakshmi Portal
Banks ListLoan Schemes (Each Bank)
Abhyudaya Cooperative Bank LimitedEducational Loan Under The Scheme Of Abhyudaya Gyan Vardhini
Allahabad Bank         Education Loan
Andhra Bank Dr. Pattabhi Vidya Jyothi Scheme
Axis BankAxis Bank Education Loan Scheme
Bank Of Baroda            BarodaGyanBaroda ScholarBaroda Education Loan To Students Of Premier InstitutionsBaroda VidyaBaroda Education Loan For Executive Development Programmes (India)Baroda Education Loan For Executive Development Programmes (Abroad)Skill Loan Scheme
HDFC BankEducation Loan
ICICI BankEducation Loan
Bank Of MaharashtraModel Educational Loan Scheme
Bank Of IndiaBOI Star Education Loan Scheme
Canara BankIBAS Model Education Loan Scheme For Study In India And Abroad IBA Skill Loan Scheme
Central Bank Of IndiaCent Vidyarthi
Corporation BankCorp Vidya Loan Scheme
Dena BankSkill Loan Scheme ( Kaushal Wrin Yojana)Dena Vidya Laxmi Education Loan Scheme For Pursuing Higher Education In India And Abroad
Dombivli Nagari Sahakari Bank LimitedVidyavardhini Education Loan SchemeSuvidya Education Loan Scheme
Federal Bank Federal Special Vidya Loan SchemeFed Scholars
GP Parsik Bank LtdVidya Siddhi
IDBI BankEducation Loan For Vocational CoursesEducation Loan Scheme For Other Management Quota StudentsEducation Loans For Students Studying In Premier Education InstitutesEducation Loan For Courses Offered By ICAIEducation Loan For Special CoursesEducation Loan To Physically Challenged Persons Under NHFDC SchemeEducation Loan For Non-Vocational Courses
Indian BankRevised IBA Educational Loan Scheme – 2011IB Skill DevelopmentIB Educational Loan Prime NitIB Educational Loan PrimeNon- IBA Educational Loan
Indian Overseas BankVidhyajyothi Educational LoanIOB ScholarIOB Vidya SurakshaVidya Jyothi Educational Loan SchemeIOB Career DreamIOB Vidya ShrestSkill Loan Scheme
Karnataka Bank LimitedKBL Vidyanidhi Scheme Skill Loan Scheme
Karur Vysya BankKVB Educational Loan
Kotak Mahindra Bank LimitedKotak Mahindra Bank Ltd
New India Cooperative Bank LimitedVidya Vikas Loan Scheme
Oriental Bank Of CommerceOriental Bank Of Commerce
Pragathi Krishna Gramin Bank Vidya Sagar Education Loan
Punjab And Sind BankModel Education Loan Scheme For Pursuing Higher Education In India And AbroadSkill Loan SchemePsb Excellence- Education Loan Scheme For Premier Institutions (i.e. IITs/IIMs And ISB Hyderabad)
Punjab National BankPNB KaushalPNB SaraswatiPNB PratibhaPNB Udaan
RBL Bank LimitedEducation Loan
State Bank Of IndiaSBI Student Loan SchemeSBI Global Ed-Vantage SchemeSBI Scholar Loan SchemeSBI Skill Loan Scheme
Syndicate Bank            Skill LoanSyndvidyaSyndsupervidya
Tamilnad Mercantile Bank LimitedTMB Education LoanTMB-Skill Development LoanTMB-Super Education Loan Scheme
UCO BankUCO Education LoanUCO Super Premier Educational LoanUCO Premier Educational Loan Scheme
Union Bank Of India Union Education
United Bank Of IndiaUnited Education LoanUnited Superb Education LoanUnited Education Loan Under Management Quota
Vijaya BankEducation Loan To Students Admitted Under Management Quota (Non-IBA)Skill Loan SchemeIBA Model Education Loan – Top Rated Institutions – IndiaIBA Model Education Loan – Other Institutions – IndiaIBA Model Education Loan -Abroad
Yes BankYes Education Loan

Procedure For Registration On Vidya Lakshmi Portal

  • Firstly, You have to visit the official website.
  • On homepage click on Register option.
Vidya Lakshmi Portal
  • Now enter the required details such as name, Age, DOB etc.
Vidya Lakshmi Portal
  • Read the Official Terms and Conditions, by clicking on the text “website (click wrap) agreement terms & conditions” at the bottom of registration page. Mandatory!!.
  • Click on submit button.
  • After this a confirmation mail will be sent to your email Id.
  • Now you have to click on confirmation link to complete the registration process.

Procedure To Loan On Vidya Lakshmi Portal

  • Firstly you have to login in your Account.
  • On student homepage click on Search for loan scheme option.
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  • A new page will open.
  • Now select your loan category base on Location of Education, Type of Course and Loan Amount required from the left panel options.
  • Click on Search button.
  • After this a list of all the banks along with their loan scheme will open.
FAQ,s
What is the rate of interest for education loan in this portal?

The interest rate depends on the requirement usually but it range between 8.4% to 18%.

What is the objective of this portal?

The main objective of this portal is to provide loans to the students who wanted to go abroad for further studies in a time bound manner.

Who can take the benefit of this portal?

Indian citizen.

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