Vidya Lakshmi Education Loan Form Filling | Live | Vidya Lakshmi Education Loan Apply Online

[@propelld]

To Check Your Loan Eligibility Click The Link Below: propelld.com/site/lp/study-loan-eligibility?

[@priyanshukumar9219]

dhanyawaad

[@vidyashreer5764]

Sir I have BOB bank account and my father has SBI So I have filled the same in the application Will there be any problem!?

[@propelld]

There shouldn’t be any major issue with having different bank accounts (BOB for you and SBI for your father) in the Vidya Lakshmi portal application. The Vidya Lakshmi platform allows students to apply for education loans from multiple banks, and it's normal for the student and the co-applicant (in this case, your father) to have accounts in different banks. However, make sure that: You’ve correctly entered the bank details in the application form. The account linked for loan disbursement matches the one provided in the required section, and any documents submitted, such as bank statements, match the details you've provided. If you are uncertain, it’s a good idea to contact the Vidya Lakshmi portal’s support or the bank from which you are applying to clarify any concerns regarding bank details. They can provide guidance if any specific issues arise.

[@NishankNaik]

Sir what is quotation for laptop. Bank is asking me to submit quotation for laptop. Pls reply

[@propelld]

A quotation for a laptop is an official document from a vendor or retailer that includes the detailed price of the laptop you intend to purchase, including specifications like model, brand, price, and any additional features. Here's how you can obtain and submit it: How to Obtain the Quotation: Visit an electronics store or online platforms like Amazon, Flipkart, or a dedicated laptop vendor. Request an official price quotation for the laptop you wish to buy. The quotation should include details such as: Laptop brand and model. Processor, RAM, storage, and other specifications. Price (including taxes). Vendor's name and contact information. Ensure the quotation is printed on the vendor's letterhead and includes their signature and stamp (if required by the bank). Submitting the Quotation: Once you have the quotation, submit it to the bank either by visiting the branch or uploading it online (depending on the bank’s process). Banks often require this quotation to assess the loan amount needed for the laptop as part of your education loan application. If you are unsure about any details, check with the bank for specific requirements on how they want the quotation to be submitted under the Vidya Lakshmi scheme."

[@Mohnish008]

For which college you are applying I'm also applying

[@memokaran]

Sir i dont have pan card so what to do

[@AdityaSutar-b4g]

Answering each of the queries, hats off to you brother!! 👏🏻

[@propelld]

Thanks a ton

[@vageesha2435]

In the income from all sources section, do we have to fill the 'gross pay amount' or 'net pay amount' (after deductions). What if we put net pay amount ?

[@propelld]

When filling out the Income from All Sources section on the Vidyalakshmi portal for an education loan application, you should generally provide the gross pay amount (the total income before deductions). This gives the lender a complete view of your financial capacity. If you enter the net pay amount (after deductions), it may be seen as inaccurate or incomplete, which could affect the processing of your loan. Gross income is typically required to assess your overall eligibility for the loan. To avoid any issues, it's recommended to check the specific guidelines on the Vidyalakshmi portal or consult the bank directly.

[@kajalicious3]

Bhaiya Is it necessary to upload the schedule for the expenses of the course? I am pursuing the Company Secretary course but we don't get it from the institute.

[@propelld]

For the Vidya Lakshmi loan application, uploading a detailed schedule of expenses for your course is typically required. This helps the bank understand the total cost of your education and approve the loan amount accordingly. However, if your institute does not provide a formal schedule, you can take the following steps: Create a Personal Schedule: You can create a detailed schedule of your expected expenses, including tuition fees, exam fees, and any other relevant costs. Make sure to include accurate estimates based on your course requirements. Document Alternatives: If your institute can provide any other forms of documentation or proof of costs, such as fee receipts or a letter from the institution detailing the fee structure, you can use that. Contact the Bank: Reach out to the bank or financial institution handling your Vidya Lakshmi loan application. Explain your situation and ask if they accept alternative documents or if there are any specific formats they require. Provide a Declaration: If necessary, you can provide a self-declaration of the expenses, explaining why the formal schedule is unavailable, along with any supporting documents you have. Ensuring that you provide as much detail as possible will help in processing your loan application smoothly. Hope this helps! If you have any more questions or need further assistance, just let me know! 👍

[@rojagundalaroja3040]

Hlo sir Tq for the amazing video but i am taking education loan below 7.5 lakh but even though do we need to submit the surity sir please guide me sir

[@propelld]

For education loans up to 7.5 lakhs, most banks do not require collateral security. However, here are some important details to consider: No Collateral Required: Generally, banks do not ask for collateral for education loans up to 7.5 lakhs. This means you won't need to submit property or any other asset as security. Co-Borrower Requirement: Instead of collateral, banks typically require a co-borrower (usually a parent or guardian) to co-sign the loan. The co-borrower is responsible for repaying the loan if the borrower is unable to do so. Academic and Financial Evaluation: Banks will assess your academic records, the institution you are attending, and the financial stability of your co-borrower. Make sure to have all necessary documents ready, including your admission letter, fee structure, and your co-borrower’s income proof and bank statements. Application Process: Whether you apply through the Vidya Lakshmi portal or directly at a bank, the requirements remain the same. Register on the Vidya Lakshmi portal to apply to multiple banks at once and compare offers. Follow the application instructions and ensure your co-borrower is aware of their responsibilities. Next Steps: Register on the Vidya Lakshmi portal. Fill out the Common Education Loan Application Form (CELAF) and apply to your chosen banks. Prepare all required documents and ensure your co-borrower is ready to provide their financial details. I hope this helps! If you have any more questions, feel free to ask.

[@riyu146]

Can i submit 10 and 12 digilocker marksheet in SBI bank( on submit at the tine of educational loan )which is approved by government .Will SBI bank accept digilocker marksheets.

[@propelld]

Yes, you can submit your 10th and 12th marksheets downloaded from Digilocker when applying for an education loan through SBI under the Vidya Lakshmi scheme. Digilocker is a government-approved platform, and documents issued through it are legally valid and accepted by most banks, including SBI. However, it's always a good idea to confirm with your specific SBI branch if they require any additional verification or physical copies for the loan process.

[@riyu146]

@@propelld so can i submit 10 and 12 digilocker marksheets in bank

[@SaiRohan18]

I just registered in janasamarth portal not applied for any loan. Will i eligible to apply in vidya Lakshmi portal or not?

[@propelld]

Yes, you are eligible to apply for an education loan through the Vidya Lakshmi portal even if you've registered on the Jan Samarth portal but haven’t applied for any loan yet. Both portals serve different purposes, and registering on one doesn't restrict your ability to use the other. Here's how you can proceed with the Vidya Lakshmi portal: Register on Vidya Lakshmi: Visit the official Vidya Lakshmi portal and complete your registration by providing basic details like your name, email, and mobile number. Fill the Common Education Loan Application Form (CELAF): Once registered, log in to your account and fill out the CELAF. This form will require your personal details, academic information, course details, and the loan amount you wish to apply for. Select Banks: After filling out the form, you can choose up to three banks where you wish to apply for an education loan. The portal will then forward your application to the selected banks. Track Your Application: You can track the status of your loan application directly through the Vidya Lakshmi portal. The banks will review your application and reach out for any further documentation or clarification. Submit Additional Documents: The bank may request additional documents, such as proof of admission, fee structure, income proof, and others. Make sure to provide these promptly to avoid delays. Loan Approval and Disbursement: If your application is approved, the bank will notify you, and the loan amount will be disbursed according to the terms specified-typically directly to the college for tuition fees. Both portals are government initiatives to facilitate financial support for students, so you can use Vidya Lakshmi to explore additional loan options even after registering on Jan Samarth.

[@SouravSinha]

Unable to apply, shows already registered with jansamarth portal, now I can't deactivate my jansamarth account

[@propelld]

If you're encountering an issue where the Jansamarth portal indicates that you're already registered and you're unable to deactivate your account, here are some steps you can take, particularly in relation to Vidya Lakshmi: Steps to Resolve Account Issues on Jansamarth Portal Check Registration Details: Ensure that you are entering the correct details such as your name, date of birth, email ID, and phone number. Small discrepancies can cause such issues. Use Forgot Password Option: If you believe you are already registered, try using the "Forgot Password" option on the Jansamarth portal to reset your password and regain access to your account. Contact Support: Jansamarth Support: Reach out to the customer support team of Jansamarth. They can assist with account-related issues, including deactivation. Email: You can find a support email on the Jansamarth portal. Helpline: Call the helpline number provided on the portal for direct assistance. Vidya Lakshmi Support: Since Vidya Lakshmi and Jansamarth are interconnected for educational loan schemes, you can also contact Vidya Lakshmi support. Email: [e-mail] Phone: [phone] (available from 10 AM to 5 PM on weekdays) Documentation: Prepare necessary documents and information, such as your Aadhaar number, registered mobile number, email ID, and any other relevant details. This will help support teams address your issue more efficiently. Alternative Approach: If you urgently need to apply for an education loan and are unable to resolve the issue quickly, consider visiting the bank directly. Explain the situation to them, and they may provide an alternative way to proceed with your application. Raise a Complaint: If the issue remains unresolved, consider raising a formal complaint through the portal's grievance redressal system. This might expedite the resolution process. Key Contacts Jansamarth Portal: Look for the "Contact Us" section on their official website. Vidya Lakshmi Portal: Email: [e-mail] Phone: [phone] By following these steps and reaching out to the appropriate support channels, you should be able to resolve the issue with your Jansamarth account and proceed with your application process through the Vidya Lakshmi portal.

[@SaiRohan18]

Pan card number wrong at application can i re correct in through/from bank side. pls reply to my query

[@propelld]

If you've entered the wrong PAN card number in your Vidya Lakshmi education loan application, you'll need to contact the bank where you submitted the application. They can guide you on how to correct the information. It's important to rectify this as soon as possible to avoid any delays in processing your loan.

[@Thanveen03]

In the field of uploading marksheet , what should i upload? Degree consolidated marklist or this alongwith plus two and sslc certificates? Btw I'm a graduate who's looking for an education loan for Postgraduation.

[@propelld]

When uploading your marksheet on the Vidyalakshmi portal for a post-graduation education loan, here's what you should consider: Degree Consolidated Marklist (Mandatory): Since you are applying for a loan for post-graduation, your undergraduate consolidated marklist is the primary document that verifies your academic qualification. This is the most crucial document to upload. Plus Two (12th) and SSLC (10th) Certificates (Recommended): While the degree marklist is essential, it is advisable to also upload your Plus Two (12th grade) and SSLC (10th grade) certificates. This ensures your entire educational history is documented, and some banks may require these for a complete evaluation. Uploading all these documents ensures your application is comprehensive and avoids potential delays. Check specific bank requirements for any additional documentation.

[@Thanveen03]

@@propelld 👍 Thank you so much.

[@NisarAhmed-q3t]

Bhaiya admission se pehle loan clear nhi ho sakta , because proof of admission field mien kya fill kre ? I want loan then only I'll be able to get admission in college.......

[@propelld]

We understand the challenge. Generally, banks require proof of admission to process an education loan through the Vidya Lakshmi portal. Without admission confirmation, it may be difficult to complete the application. However, you can discuss your situation with the banks listed on the portal. Some banks might offer conditional approvals based on your entrance exam results or allotment letter. It's best to contact the bank directly to explore your options. They might guide you on how to proceed without the admission proof initially. Good luck!

[@Rutu-c8u]

Sir what to do when institute name is not found Pls reply sir

[@propelld]

If the institute name is not found while filling out the education loan application on the Vidyalakshmi portal, here's what you can do: Check for alternate names: Some institutes may be listed under a different or abbreviated name. Try searching with variations of the institute's name. Contact Vidyalakshmi support: You can reach out to the Vidyalakshmi helpdesk through the portal for assistance. They may guide you on how to proceed if the institute is not listed. Contact your institute: In some cases, your institute may need to be registered or updated on the portal. You can ask your institute's administration to verify or register their details with Vidyalakshmi. Ensure you follow up on this as the correct institute name is crucial for loan approval.

[@pritidaksh887]

I'm in 2nd year of MCA can i get loan for 2nd year fees by Vidya Laxmi portal please sir guide me

[@propelld]

Yes, you can apply for an education loan for your 2nd-year fees through the Vidya Lakshmi portal. Use the below link to check the availability and eligibility for your loan requirement. www.vidyalakshmi.co.in/Students/

[@JashuvakattepoguJashu]

Hii sir sir i want to change my details in the Vidya Lakshmi portal sir i told to them they will reject i ln my application status showing in process😢 please the baank says i already reject we can't do any thing you will contact vidhya lakshmi portal I also contact vidhya lakshmi portal they😢tell vidhya Lakshmi also tell i am rejected ur application bank has not rejected ur application please sir what isthe solution sir what should i do sir .its getting late sir please respond sir🥺🥺

[@propelld]

Hello, We are sorry to hear about the difficulties you're facing. Here are the steps you can take to resolve the issue with your Vidya Lakshmi portal application: 1. Contact Vidya Lakshmi Portal Support: Since both the bank and the portal are giving conflicting information, continue reaching out to Vidya Lakshmi portal support. Explain the situation clearly and ask them to verify your application status and provide a detailed explanation. 2. Email Communication: Send a detailed email to Vidya Lakshmi portal support with all relevant details, including your application number, the issue you are facing, and the responses you've received from both the bank and the portal. This creates a documented trail of your communication. 3. Bank's Education Loan Department: Visit the branch of the bank handling your application. Speak directly with the manager or the education loan department and present your case. Provide them with any communication you've had with the Vidya Lakshmi portal support. 4. Grievance Redressal: Check if there is a grievance redressal mechanism either on the Vidya Lakshmi portal or within the bank. Lodging a formal complaint can sometimes expedite the resolution process. 5. Reapply: If the issue cannot be resolved, consider reapplying through the Vidya Lakshmi portal with correct details or applying to another bank for an education loan. It's essential to keep all your communications professional and persistent. Hopefully, you will get the required help soon. I hope this helps. If you need further assistance, please feel free to ask!

[@nakulnimbekar]

Bhaiya...Loan application me Stationery , Laptop and traveling ke liye quotation lagta hai ? Ya Apni requirement se bhar sakte hai ?

[@propelld]

For the Vidya Lakshmi loan application, you will need to provide quotations for expenses like stationery, laptop, and traveling if these are included in your loan request. Banks and financial institutions usually require supporting documents such as quotations or invoices to verify the amount you're applying for. However, some banks may allow you to mention estimated costs based on your needs, but it’s always better to check with the specific lender’s requirements. Feel free to reach out to the lender or Vidya Lakshmi portal support for exact details!

[@lordpanther7916]

Bhaiya I want to take admission in west bengal private colleges, can i get education loan from Vidya Lakshmi, but i don't have ITR file , please tell me is it possible.

[@propelld]

Yes, you can apply for an education loan from Vidya Lakshmi for admission to private colleges in West Bengal even if you do not have an Income Tax Return (ITR) file. Here’s what you need to know: - Vidya Lakshmi Portal: The Vidya Lakshmi portal is a platform that provides information about educational loans and enables students to apply for loans from various banks. - Income Proof Requirement: While many banks do require income proof (such as ITR) for education loan applications, there are alternatives if you do not have an ITR: Parental Income: You can use your parents' or guardian’s income proof. Banks often consider the co-borrower's (typically parents or guardians) financial status. Alternative Documents: Banks may accept other forms of income proof such as salary slips, bank statements, or other financial documents. Being said that, the requirements are different for salaried and self employed co-applicants. Also it changes from bank to bank. So make sure to know more about the eligibility criteria of the banks you choose through the portal. If you are finding it difficult even after the alternate documents you produce, you can check your eligibility with Propelld: propelld.com/site/lp/study-loan-eligibility?

[@lordpanther7916]

@@propelld thank you bhaiya for helping me.

[@rowheenjilani1600]

Can i get loan upto 20 lakhs through vidya Lakshmi ?

[@propelld]

Thank you for your question. The Vidya Lakshmi portal is a comprehensive platform developed to help students apply for education loans and scholarships. It is a collaboration between the Indian Government and multiple banks. Loan Amount: The loan amount that can be availed through the Vidya Lakshmi portal varies depending on the bank and the specific education loan scheme you choose. Many banks offer education loans up to 20 lakhs or even higher for studies in India and abroad, but the exact amount you can borrow will depend on factors such as the course, institution, collateral offered, and repayment capacity. Application Process: To apply for an education loan up to 20 lakhs, you need to create an account on the Vidya Lakshmi portal and fill out the Common Education Loan Application Form (CELAF). You can then apply to multiple banks at once and compare their offers. Make sure to provide accurate and complete information to increase your chances of loan approval. Bank-Specific Criteria: Each bank may have its own criteria and terms for sanctioning loans, including maximum loan limits, interest rates, repayment terms, and collateral requirements. It is advisable to read the detailed loan schemes of the banks listed on the Vidya Lakshmi portal and contact the banks directly if you have any specific questions. Next Steps: Register on the Vidya Lakshmi portal. Fill out the CELAF and apply to multiple banks offering education loans up to 20 lakhs. Review the terms and conditions of each bank and proceed with the best offer that suits your needs. I hope this helps! If you have any more questions, feel free to ask.

[@ayushmangupta14]

Sir i don't have any last name (surname ) in my aadhar card or in my marksheet what should I filled in last name column

[@TheVijayMaurya]

Same question

[@propelld]

If you're facing an issue with the last name field on the Vidya Lakshmi portal and don't have a surname on your ID proof (like your Aadhaar card), here's what you can do: Leave the Last Name Field Blank: If the portal allows, you can leave the last name field blank. Some systems accept this as long as your first name matches your ID proof. Repeat Your First Name: If the portal requires a last name, you can repeat your first name in the last name field. This ensures consistency with your Aadhaar card or other ID proof. Check with Support: If you're still facing issues, contact Vidya Lakshmi portal support for guidance. They can help you with specific instructions regarding name entry in such cases. Make sure the name you fill in exactly matches the name on your ID to avoid any issues with the loan process.

[@propelld]

If you're facing an issue with the last name field on the Vidya Lakshmi portal and don't have a surname on your ID proof (like your Aadhaar card), here's what you can do: Leave the Last Name Field Blank: If the portal allows, you can leave the last name field blank. Some systems accept this as long as your first name matches your ID proof. Repeat Your First Name: If the portal requires a last name, you can repeat your first name in the last name field. This ensures consistency with your Aadhaar card or other ID proof. Check with Support: If you're still facing issues, contact Vidya Lakshmi portal support for guidance. They can help you with specific instructions regarding name entry in such cases. Make sure the name you fill in exactly matches the name on your ID to avoid any issues with the loan process.

[@niteshgupta39]

Sir mai bsc nursing private se krna chahti hu kya mujhe ye loan mil skta hai..... Mere mark 141 aa rhe the lekin pta nhi kaise kam ho gye key aane k bad 😢😢please bhai tell me

[@propelld]

Absolutely, you may be able to get a loan for your BSc Nursing studies through the Vidya Lakshmi portal, even if you plan to attend a private institution. The Vidya Lakshmi portal is a one-stop platform for students seeking education loans. However, it's essential to check the specific loan requirements and eligibility criteria from different banks listed on the portal. They typically evaluate factors like your academic records, the credibility of the institution, and sometimes your family's financial background. It's best to research and apply through the Vidya Lakshmi portal to understand the terms and conditions from various lenders. Good luck!

[@bholechatureeeeee]

where should i find VLP ID?

[@propelld]

You can find your VLP ID (Vidya Lakshmi Portal ID) in the confirmation email you received when you registered on the Vidya Lakshmi portal. It should also be visible on your dashboard after you log in to the portal. If you have any issues locating it, you can reach out to Vidya Lakshmi customer support for assistance.

[@NisarAhmed-q3t]

Proof of admission mien kya fill kre bcoz abhi tak admission nhi hua , want loan first snd then get admission

[@propelld]

For the Vidya Lakshmi education loan, proof of admission is typically required to process the loan. However, if you haven't secured admission yet, you may not be able to complete the application fully at this stage. It's recommended to check with the banks listed on the Vidya Lakshmi portal, as some may offer conditional loan approvals based on your entrance exam results or allotment letter. Once you have your admission confirmed, you'll need to submit the official proof to finalize the loan. Best wishes for your future studies!

[@aslianshiva4075]

Sir mere pass pan card nhi hai because meri age 17 hai what I do sir

[@propelld]

If you are 17 years old and do not have a PAN card, here’s what you can do when applying for a Vidya Lakshmi loan: Provide Alternate Documents: If the loan application requires a PAN card and you don’t have one, you can provide alternate identification documents. Check if you can use documents like your Aadhaar card, school/college ID, or any other government-issued ID. Co-Applicant’s PAN Card: Often, banks may accept the PAN card of a co-applicant (such as a parent or guardian) instead. Ensure that your co-applicant's PAN card details are included in the application. Contact Bank or Portal Support: Reach out to the Vidya Lakshmi portal support or the bank’s loan department for guidance on how to proceed without a PAN card. They can advise you on acceptable alternatives or the steps to take. Apply for a PAN Card: If possible, consider applying for a PAN card as it will be useful for future financial transactions. You can apply for a PAN card through the official website of the Income Tax Department or through authorized agencies. Providing valid alternative documents or using your co-applicant’s PAN card should help in completing your loan application.

[@RajputAyaan]

whose income proof will be upload??

[@propelld]

When applying for an education loan through the Vidya Lakshmi portal, the income proof that needs to be uploaded is typically that of the co-borrower. The co-borrower is usually a parent or guardian who will be financially responsible for the loan alongside the student. Here are the details: Co-Borrower Requirement: Most banks require a co-borrower (usually a parent or guardian) to sign the loan agreement. The co-borrower's income proof is essential as it demonstrates the repayment capacity for the loan. Types of Income Proof: Salaried Individuals: Salary slips for the last 3-6 months, Form 16, and bank statements showing salary credits. Self-Employed Individuals: Income tax returns for the last 2-3 years, bank statements, and proof of business (such as a business registration certificate). Additional Documents: Along with income proof, other documents like identity proof, address proof, and relationship proof between the borrower and co-borrower may also be required. Steps to Upload: Log in to your Vidya Lakshmi account. Fill out the Common Education Loan Application Form (CELAF) and upload the required documents, including the co-borrower's income proof. Ensure all documents are clear and legible to avoid any delays in processing. I hope this helps! If you have any more questions, feel free to ask.

[@diptanud......9849]

Sir is this loan cover my hostel+ leptop fees also

[@propelld]

Yes, the Vidya Lakshmi loan covers expenses for fees, private hostels/flats, and private messes. However, for costs related to laptops, private messes, and private hostels, you will need to pay upfront and then submit the bills and receipts to the bank for reimbursement.

[@__rohit_tt]

Bhaiya after apply at vidyalxmi portal what do next please reply

[@propelld]

After you have successfully applied for an education loan through the Vidyalakshmi portal, here are the next steps you should follow: Check Application Status: Log in to the Vidya Lakshmi portal regularly to check the status of your loan application. You will receive updates on the progress of your application and any additional information required. Upload Required Documents: Ensure that all required documents have been uploaded correctly. This typically includes proof of admission, identity proof, address proof, academic records, and income proof of parents/guardians. Follow Up with Banks: If there are any pending actions or documents required by the bank, follow up promptly. You can contact the bank directly using the contact details provided on the portal. Respond to Queries: Be prompt in responding to any queries or requests for additional information from the bank. This will help expedite the processing of your loan application. Loan Sanction Process: Once your application is reviewed, the bank may sanction the loan. You will receive a sanction letter detailing the terms and conditions of the loan. Loan Agreement: Carefully read the loan agreement and understand all the terms and conditions. If you agree, sign the loan agreement and complete any formalities required by the bank. Disbursement of Loan: After the loan agreement is signed, the bank will disburse the loan amount as per the agreed terms. The funds may be transferred directly to your educational institution or as specified in the loan terms. Keep Records: Maintain a record of all communications, documents submitted, and the loan agreement for future reference. Stay Informed: Stay informed about your loan repayment schedule, interest rates, and any other conditions associated with your loan. If you have any specific questions or face issues during the process, you can seek assistance from the customer support of the Vidya Lakshmi portal or the respective bank.

[@__rohit_tt]

@@propelld thanks you so much bhaiya , or please make a details video on propelld loan process .

[@Ritu24250]

Hello sir mujhe mbbs ke ly loan chahiye toh allotment result aane ke bad is portal pr form feel krna hai ya usse pahle

[@propelld]

Hello, Thank you asking, Vidya Lakshmi portal allows students to apply for educational loans, including MBBS courses. It's generally recommended to complete the loan application after you've received your allotment result, as you'll need to provide specific details like the college name and course confirmation. However, you can start the process earlier by registering on the portal and getting familiar with the requirements. This will help speed up the process once your allotment is confirmed. Best of luck with your MBBS journey!"

[@Ritu24250]

@@propelld thank u so much 🤩

[@lonesuhaib4096]

Sir hum apne father ko guarenter rkhna hota h

[@propelld]

If you are applying for an education loan through the Vidya Lakshmi portal, whether or not you need to keep your father as a guarantor depends on the specific requirements of the bank you are applying to. Generally, most banks do require a parent or guardian as a guarantor for education loans. It’s a good idea to check with the bank directly or review their terms on the Vidya Lakshmi portal to understand the exact requirements.

[@Dhruvswmse]

sir 7.5 lakh tk loan lene ke liye kya security deni hogi plz tell me

[@propelld]

No collateral is needed for loans up to ₹7.5 lakhs, PSU banks typically require a co-guarantor for these loans. A co-guarantor is someone who agrees to repay the loan if the primary borrower fails to do so. In most cases, PSU banks ask for a parent or close family member to act as the co-guarantor. This provides the bank with additional assurance that the loan will be repaid.

[@Doraemon17_ankita]

Hlo sir kya vidya laxmi portal me humko admission ki fees khud se vrni pdegi or laptop khudse khridni pdegi kya .. uske bad jo humne fees bhrke college me addmission kiya tha wo paise kese return hogi humre pass ayegi ya phir clg ke bank me jaygi , or laptop bhi khudse purchase krni pdegi kya or ya phir pehele money denge uske bad hum khdir skte he he laptop ke money kiske account me aygi ... Phele se us bank me account hona chiye kya sir Laon keliye student ki khud ki account hona zruri he kya sir ya phir bank jake account open krna pdega uske bad hi us bank keliye appply krskte he vidalaaksmi portal me Or loan kitne din me milta he sir Or collge ka offee leter mtlb seat booking wala confirmation letter se hum apply kr skte he kya loan keliye Please sir reply

[@propelld]

Hello, Regarding your queries about the Vidya Lakshmi portal: Admission Fees and Laptop Purchase: Generally, education loans cover tuition fees and other expenses like the purchase of a laptop. However, you might need to pay the admission fees upfront, and then the loan amount will reimburse you. For the laptop, it depends on the bank's policy. Some banks might directly disburse the amount to you for the purchase, while others might require you to submit the invoice after purchase. Refund of Fees: The reimbursement of fees paid by you will typically be credited to your bank account. However, in some cases, it might be directly transferred to the college's account as per the agreement between the bank and the educational institution. Bank Account Requirements: Yes, it is generally required to have a bank account in the bank from which you are seeking the loan. If you do not have an account, you will need to open one before applying for the loan. Loan Application Process: You can apply for the loan with the college's offer letter or seat booking confirmation letter. The time taken to process and approve the loan can vary between banks, but it typically takes a few weeks. It's best to check with the specific bank for precise timelines. I hope this answers your questions. If you have any more queries, feel free to ask!

[@Doraemon17_ankita]

@@propelld sir Jana samarth portal education loan reapply krkste he kya

[@kabir_raftaar]

​@Doraemon17_ankita Kya aapne apply kiye the vidyalakshmi portal pe kya aapko vidyalakshmi se loan mela...?? Please tell me... Mai ne abhi college me admission liye hn madhya pradesh bhopal 20 September se class start hn toh Please aap Bata sakte hn aapne apply kiye the ya nhii..?? Or kiye the toh kya loan approve huwa hn..? Please help me 🙏

[@Doraemon17_ankita]

@@kabir_raftaar nahi mene nhi Kiya abhi tak proper document Ready nhi hua

[@kabir_raftaar]

@@Doraemon17_ankita okay thanks to reply.... Wase mai all documents dekh liye hn kya kya chahye toh sab documents collect kar 2,3 days me apply karuga...

[@shubhanjal_]

Bhaiya mera neet me 250 marks h kya mujhe private mbbs krne ke loan mil jayega

[@propelld]

Yes. You can. However more details will be required to understand your loan eligibility like: 1. Academic Background: Admission to recognized institutions boosts eligibility. 2. Course Selection: Accredited courses often have better approval rates. 3. Loan Purpose: Loan should be for tuition, fees, books, and related expenses. 4. Repayment Ability: Co-applicant's income stability or collateral can assure repayment. 5. Credit History: A good credit score enhances approval chances. 6. Loan Amount: Meeting lender's criteria for loan-to-income ratio. 7. Age: Typically, applicants should be within certain age brackets. 8. Documentation: Submission of academic records, admission letter, and other required documents.

[@shubhanjal_]

@@propelld how can I contact u

[@propelld]

Please fill your details here: propelld.com/site/lp/study-loan-eligibility? Our team will contact you within 1 hr.

[@propelld]

@@shubhanjal_ Please feel free to contact us on [e-mail] / 7375911702 for any queries. Our team will check and assist you further.

[@K-Square]

What to say in yes no . If parental income more than 4.5 lacs ... Kindly reply

[@propelld]

If your parental income is more than ₹4.5 lakhs, you may not be eligible for the interest subsidy under the Central Sector Interest Subsidy Scheme (CSIS) through Vidya Lakshmi. However, you can still apply for an education loan, but the interest subsidy might not be available. It’s best to check the specific eligibility criteria with the bank you’re applying to via the Vidya Lakshmi portal for the most accurate information.