Vidya Lakshmi Education Loan Portal — Apply Online All Banks Documents & Interest Subsidy

Vidya Lakshmi Education Loan Portal — Apply Online All Banks Documents & Interest Subsidy

Vidya Lakshmi Portal — Ek Application, Sabhi Banks!

vidyalakshmi.co.in DFS (Department of Financial Services) aur NSDL ka joint portal hai jahan student ek hi application se 38+ banks mein education loan ke liye apply kar sakta hai. Yeh portal NSDL ke through operate hota hai.

Education Loan Ke Liye Documents

Student Ke Documents

  • Aadhaar Card + PAN Card
  • 10th, 12th, Graduation Marksheets
  • Admission Letter from College (Confirmed Admission proof)
  • Fee Structure from Institution (First year + total course fee)
  • 2 Passport Size Photos

Co-Applicant (Parent/Guardian) Ke Documents

  • Aadhaar Card + PAN Card
  • Income Proof: Salary Slip (last 3 months) + Form 16 ya ITR (last 2 years)
  • Bank Statement (last 6 months)
  • Address Proof

Education Loan Limits

  • No Collateral: Up to Rs. 7.5 Lakhs (IBA Model Scheme)
  • With Collateral: Rs. 7.5 Lakhs se upar — immovable property / FD / LIC policy
  • Interest Rate: 8.5% to 13% (SBI sab se kam ~9.15%)
  • Moratorium Period: Course duration + 6 months to 1 year (repayment tab shuru)

Interest Subsidy Schemes

  • Central Sector Interest Subsidy (CSIS): Moratorium period ka poora interest government bharti hai — IBA scheme loans under Rs. 7.5 Lakh, family income under Rs. 4.5 Lakh
  • Dr. Ambedkar Interest Subsidy: OBC/EBC students ke overseas education loans par interest subsidy
  • Padho Pardesh: Minority students ke overseas loans par interest subsidy

Disclaimer: The calculations provided by these calculators are estimates based on standard rules and current policies. For official government declarations, financial planning, or investments, please consult with a certified financial planner. — Global Info Wiki Editorial Team

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