How to Apply Vidya Lakshmi Education Loan (In Hindi) | Step by Step Process, Eligibility & More

👉Check your eligibility for an education loan - bit.ly/2zmJbYc
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VidyaLaxmi offers a one-stop platform for students seeking financial assistance for their educational pursuits. Whether you're pursuing undergraduate, postgraduate, or professional courses, VidyaLaxmi connects you with various banks and financial institutions offering educational loans at competitive rates.
Through this portal, students can explore loan options, check interest rates, and conveniently apply for loans online, simplifying the entire process. With VidyaLaxmi, students can fulfill their academic aspirations without financial constraints, empowering them to pursue their dreams with confidence.
Who Are We? What Can We Do for You?
Since 2016, GyanDhan has assisted students at every step of their loan process, from application to disbursement with the help of our team of professional loan counselors. We offer secured and unsecured study abroad loans through partnerships with top lenders like SBI, UBI, Axis Bank, ICICI Bank, HDFC Credila, and more. We can help you quickly secure loan sanctions, and in case you encounter any difficulties with education loan disbursement, we provide free assistance. We are equipped to tackle any challenges you may face during the disbursement process. GyanDhan has been the ultimate one-stop solution with over INR 5,000 Crore disbursed.
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[@gayatriiiipagare]

what others factors should i look into while choosing loan scheme other than interest rate? please tell me how can i filter well? does it have to be bank near me? do we need to visit the bank for further process or everything can be done online?

[@GyanDhan]

Hello, When choosing a loan scheme, consider factors beyond the interest rate like repayment terms, processing fees, loan coverage, and customer service. Look for flexible repayment options, minimal hidden charges, and good support. Proximity to the bank isn't crucial since many offer comprehensive online services. Research and compare different schemes, and consult advisors for the best option. Many banks allow full online processing, making it easy to manage your loan. For detailed guidance, visit our website or reach out to our advisors. Regards, Team Gyandhan!

[@mihikamalankar2681]

you mentioned for education loan in india vidyalaxmi is mandatory. but what if we want to opt for platforms like gyandhan. is it still mandatory to fill form on vidyalaxmi. and what are the repercussion of not filling application on vidyalaxmi and directly availing loan from bank if bank is offering one?

[@GyanDhan]

Hi , If you’re applying for an education loan through GyanDhan or directly from a bank, using the Vidyalakshmi portal is not mandatory. The Vidyalakshmi portal is a government initiative that helps students apply to multiple banks at once, but if you’re already working with a specific lender or platform like GyanDhan, you can proceed without it. Not using Vidyalakshmi doesn’t have any negative repercussions-you’ll still get the loan if the bank approves your application. If you have more questions, feel free to ask! We're here to help. Regards, Team Gyandhan!

[@Subham910]

Ye kitni safe hai aur kin kin ko mila aur kya yahan dikkat ho sakta hai during course..

[@GyanDhan]

Hello, You can get in touch with our dedicated counselors and redirect your queries to them at GD Connect : discussions.gyandhan.com It's totally free of cost and we take pride in resolving your queries within a day. Regards, Team Gyandhan!

[@rawat_shivansh]

Sir agar hum do bank se select ho jate hain to kya kare

[@naveenpandey6147]

Vidyalaxmi loan koi govt or pvt bank nahi manta, my personal experience share karta hu... delhi se hu bete ke apply kiya ipu b ed 2 years 3 lac ka 1.50 mahine se chakkar katwaye pnb sbi axis aaj ye do vo do bla bla... diya.. cibil 8.20 return 3 years 7 lacs pa no my any loan sab kuch ok kiya... at last today pnb need 2 lac fd for 3 lac loan , sbi cancelled without reason axis bank want 12000 as fess processing decuments etc charges Jacki vidyalaxmi 7.50 tak no any charges any security kahta hai... sab wastage of time hai ye haal apni home branch ka hai

[@aadarsh5129]

😢hey bhgvan mera ky hoga , mera loan ho pyga ki nhi 😢

[@tarungupta6075]

Well dont feel bad but if ur son was pursuing good course from a reputed institution then he would have gotten it easily,& also academic qualifications (marks)plays an important role .

[@pritamdas1488]

Thanks for sharing the fact

[@abdul_nazim09]

I am Abdulnazim recently i will complete my 1st year of b pharma can you give me some information about loan

[@GyanDhan]

Hello Abdul, You can redirect your queries to our dedicated loan counselors on GD Connect : discussions.gyandhan.com/ They'll guide you through every step of the way and that too totally free of cost. Regards, Team Gyandhan!

[@Harry20086]

Is offer letter required to get a loan from Gyan dhan ??

[@GyanDhan]

Hi Harry, Yes, an offer letter from the university is typically required to get an education loan through GyanDhan. The offer letter serves as proof of admission, which is essential for loan approval. It helps lenders assess your eligibility and the course details. If you have any more questions or need assistance with the loan process, feel free to reach out to us at GyanDhan. We're here to help! Regards Team GyanDhan

[@s.s.rajput6840]

Sir y jo loan milega wo clg walo k a/c me ya khud k a/c me?

[@GyanDhan]

Hello, The Vidyalakshmi education loan is usually disbursed directly to the college's account to ensure that the funds are used for your educational expenses. However, it's always best to confirm the specific disbursement details with your lender or the Vidyalakshmi portal. If you have any more questions, feel free to ask! Regards, Team Gyandhan!

[@palakpandey73]

Sir last name compulsory hota haii kya? Loan ke liye.

[@GyanDhan]

Hello Palak, Last name usually isn't compulsory for an education loan application, but it's always best to check with the specific lender as requirements can vary. If you have any concerns or need help with the application process, feel free to reach out to us at GyanDhan. We're here to assist you! Regards, Team Gyandhan!

[@72grv]

Pan card wrong bta rha h kya kre

[@sonalikumari4613]

Sir vidya lakshmi yojna aakhir haii kyaa . Iska kitna intrest lagega kya chij hai ye

[@GyanDhan]

Hello Sonali, Vidya Lakshmi Yojana is a government portal that helps students apply for education loans. Through this portal, you can apply to multiple banks with a single application form. The interest rate varies depending on the bank, but it is generally around the market rate. This scheme provides a transparent and convenient process for securing education loans. For more information, visit the Vidya Lakshmi portal. Good luck with your studies! If you have more questions, feel free to ask. Regards, Team Gyandhan!

[@MRDHIRAJPATHAK]

Sir main btech private college se karne ja rha hu to mujhe ye loan mil sakta hai ya nhi? please reply sir

[@GyanDhan]

Hello Dhiraj, Yes, you can apply for an education loan through the Vidya Lakshmi portal even if you are going to study B.Tech at a private college. The portal allows students to apply for loans from multiple banks and provides information about various loan schemes. Ensure that your college is recognized by a competent authority and meets the eligibility criteria set by the banks. It's important to have all necessary documents ready, such as admission proof, fee structure, and your co-borrower's financial details. Feel free to contact us for more personalized assistance! Best regards, Team GyanDhan

[@harirampatidar3363]

Ap konsi clg se kr re ho btech

[@vaibhav_shakya283]

Meri income certificate 50k hai kya me loan ke liye apply kr skta hu

[@shrutidabhi6199]

Vidhyalakshmi loan me subsidy milti hai?

[@GyanDhan]

Hello Shruti, Yes, Vidya Lakshmi loan offers a subsidy under the Central Sector Interest Subsidy (CSIS) scheme for eligible students. This subsidy is available for economically weaker sections with an annual parental income up to ₹4.5 lakhs. The subsidy covers the interest on the loan during the moratorium period, which includes the course duration plus one year or six months after getting a job, whichever is earlier. For detailed information and eligibility criteria, please check the official Vidya Lakshmi portal or contact us for personalized assistance. Best regards, Team GyanDhan

[@ayushigaur2683]

Iss it confirm h ki milega bhi nhi

[@satyam08]

Minimum kitne din me approve ho jata hai sir

[@GyanDhan]

Hello Satyam, You can redirect your queries to our dedicated loan counselors on GD Connect : discussions.gyandhan.com/ They'll guide you through every step of the way and that too totally free of cost. Regards, Team Gyandhan!

[@Sanpreet_Singh.]

Sir hum log iss website se professional course like cfa jaise courses ke liye loan le sakte hai

[@GyanDhan]

Yes, you can get a loan for professional courses like CFA through our platform. For more information on loan options and eligibility here: bit.ly/3JOQ7mm Feel free to contact us. We are here to help!

[@omprakashsolanki8459]

Jo intrest me logo ko fasonge wo bhi btao

[@CaptainSpoidy-z9y]

Sir iam studying in tamilnadu my native is kerala iam obc candidates,my family annual income is below 1lakh and I going to apply in SBI ,i got CSE seat in a engineering college in tn through merit (government counseling UG)and i currently finished my 1st year and going to enter 2nd year i have already paid my 1st year fees, so for upcoming three years fees i want to apply for education loan is there any possibility i could get it? And is the fees that iam already paid will be deducted from the amount that iam applying for loan? Is it possible? how can i do it? If i have got loan how can i know about the interest rates? Or should i have to apply in jansamarth other than vijayalakshmi portal?

[@GyanDhan]

Hello, Congratulations on securing a seat in CSE through government counseling! Yes, you can apply for an education loan from SBI for the remaining three years of your engineering course. Since you have already paid your first-year fees, the loan will typically cover only the remaining fees and not reimburse what you've already paid. To apply for the loan, you can visit the nearest SBI branch or apply online through the Vidya Lakshmi Portal (www.vidyalakshmi.co.in/Students/). Ensure you have all necessary documents, including your admission letter, fee structure, academic records, and income proof. SBI offers competitive interest rates, and you can check the latest rates on their website or inquire at the branch. If you need more detailed guidance, feel free to reach out to us at GyanDhan, and we'll be happy to assist you further! Best of luck with your studies! Regards, Team Gyandhan!

[@Beauty_is_youu]

Sir my 10th percentage is 96 in 12th scored I scored 82% in graduation of BCA degree I got above 9 SGPA Now I am trying to crack NIT exam for pg so can I get education loan from canara bank with CSIS scheme as my parents income is below 1 lakh annually.

[@GyanDhan]

Hello, Based on the details you provided, you should be eligible for an education loan from Canara Bank under the Central Sector Interest Subsidy (CSIS) scheme. This scheme provides interest subsidy during the moratorium period for students from economically weaker sections (annual parental income below INR 4.5 lakhs). Given your parents' income is below 1 lakh annually, you qualify for this benefit. We recommend visiting your nearest Canara Bank branch with your admission proof, academic records, and income certificate to apply for the loan. Best of luck with your NIT exam and future studies! If you need further assistance, feel free to reach out. Regards, Team Gyandhan!

[@fehmidashaikh5858]

Sir i want to apply for overseas education loan for MBBS Pls guide

[@GyanDhan]

Hello, We are extremely sorry. However, we don’t provide any loan product as . Moreover, lenders do not approve loan for MBBS. We suggest changing your target country to become eligible for the loan. If you still wish to go ahead with MBBS, applying for a Gold or Personal loan would be ideal for you. Another thing to keep in mind, getting loan approval for MBBS is tough without collateral. Regards, Team Gyandhan

[@ayushchile1020]

Sir my 10th marks percentage 83% and 12 th percentage 46% toh mujhe education loan mil sakta h ??

[@GyanDhan]

Hi! Yes, you can still apply for an education loan. While your 12th percentage is low, banks consider various factors such as your 10th grade marks, the course you are applying for, and the university. It's best to directly consult with the bank to understand their specific criteria and requirements. All the best! If you have more questions, feel free to ask. We're here to help! Regards, Team Gyandhan

[@GyanDhan]

Check your eligibility for an education loan - bit.ly/2zmJbYc

[@aanchaltiwari4858]

Sir I want education loan but my father cibil score is less than 600 some bank is not allowing me to give the loan plss help me sir 🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏

[@GyanDhan]

Hello Aanchal, We must first evaluate if you're eligible for an abroad education loan. We request you to check your loan eligibility on the link given below. Once you check the eligibility and if eligible for the loan, our counselor will get in touch with you for further discussion. bit.ly/3ms6jh3 Regards, Team Gyandhan!

[@MedlifeAarya214]

Hello sir,mujhe abroad educational loan leni hai..without collateral kaise mil sakti hai?

[@GyanDhan]

Hello Juli, Yes, loan without collateral is possible. However, for a loan without collateral, you will require a co-applicant with at least 35k to 4ok monthly income and a good credit score. These conditions set by lender’s to be eligible for the loan. For any further information, kindly DM us your details and we’ll arrange a call for you soon. Meanwhile, you can also check your education loan eligibility here bit.ly/3JOQ7mm Regards, Team GyanDhan!

[@kamalasarma3181]

Sr muje education loan lena hy MSC ke liye under 250000 kon sa bank sahi rahega

[@Yt_Fan-Club07]

Same question

[@GyanDhan]

Hello Kamal, For an education loan up to ₹2,50,000 for your MSc, you have several good options. Consider reputed banks like SBI, HDFC, ICICI, or Axis Bank, as they offer competitive interest rates and flexible repayment options. Additionally, you can explore government schemes like the Central Scheme for Interest Subsidy (CSIS). It's important to choose the best option based on your specific needs and eligibility. Feel free to contact us for personalized assistance! Meanwhile, you can also check your education loan eligibility here bit.ly/3JOQ7mm Best regards, Team GyanDhan

[@merinakumari5923]

MBBS Nepal se krne pr milta hai

[@GyanDhan]

Hello Merina, we apologize for any inconvenience, but unfortunately, we do not offer any loan products for MBBS programs. Additionally, lenders generally do not approve loans for MBBS studies. If you are open to considering other countries for your education, you may become eligible for different loan options. Should you still decide to pursue an MBBS, we recommend exploring Gold or Personal loans as alternatives. Please note that obtaining loan approval for MBBS studies is often challenging without collateral. Regards, Team Gyandhan!

[@MedlifeAarya214]

Hello sir, kya mujhe Kyrgyzstan country ka loan mil sakta?

[@GyanDhan]

Hello Juli, Yes, you can get an education loan for studying in Kyrgyzstan. Many Indian banks provide education loans for international studies, including countries like Kyrgyzstan. It's best to contact your preferred bank to understand their specific requirements and loan process for studying abroad. Good luck with your studies! If you have more questions, feel free to ask. Regards, Team Gyandhan!

[@MahendraKushwah-j6n]

🎉

[@toxicultimate5725]

Sir koyi scheme mil skti h kya vidya lakshmi portal sai mere parents ki annual income 4.5 lakhs sai jyada aa aarhi h

[@GyanDhan]

Hello, Absolutely, you can explore various education loan schemes on the Vidya Lakshmi Portal that cater to different income brackets. Since your parents' annual income is above ₹4.5 lakhs, focus on schemes designed for higher income groups. Simply register on the Vidya Lakshmi Portal, fill out your loan application, and use the search feature to filter schemes based on your specific financial requirements. Compare the options available, considering interest rates, fees, and terms, and apply for the one that best suits your needs. Good luck with your application! Regards, Team Gyandhan

[@LakshminarayanKrishnan87]

What's the ROI?

[@GyanDhan]

Hello Lakshminarayan, The ROI of a Vidyalakshmi loan depends on the interest rate, repayment period, and your post-graduation salary. Generally, higher salaries after graduation lead to a better ROI. To get detailed calculations and personalized assistance, feel free to reach out to us at GyanDhan. Regards, Team GyanDhan

[@indiangamer577]

Sir my 10th marks percentage 70% and my 12th ... 53.60% toh mujhe education loan mil skta h??

[@GyanDhan]

Hi Abhishek, Thank you for reaching out to Gyandhan. Haan, aapko education loan mil sakta hai. Har bank ke different criteria hote hain, toh apne bank se contact karke check karein. Meanwhile, you can also check your education loan eligibility here bit.ly/3JOQ7mm Regards, Team GyanDhan!

[@VINODSINGH-cc4rr]

❤

[@SanjeevKumar-wj6rv]

Sir aapka mobile No. Mil sakta h. Education loan ke regarding.

[@GyanDhan]

We must first evaluate if you're eligible for an abroad education loan. We request you to check your loan eligibility on the link given below. Once you check the eligibility and if eligible for the loan, our counselor will get in touch with you for further discussion. bit.ly/3ms6jh3