Overview
PM Vidyalaxmi Education Scheme Aaj kal higher education lena har student ka dream hota hai – koi IIT/NIT jaana chahta hai, koi MBBS doctor banna chahta hai aur kai students ka sapna hota hai ki wo foreign university me padhai karein. Lekin sabse badi problem hai – fees.
Engineering ho ya MBA, ek average course ki fees hi lakhon me hoti hai. Middle-class family ke liye itna paisa arrange karna mushkil ho jaata hai. Result? Bahut saare talented students ko admission cancel karna padta hai.
Isi problem ko solve karne ke liye Government ne start kiya hai PM Vidyalaxmi Education Scheme.
👨🎓 PM Vidyalaxmi Education Scheme kya hai?
Is scheme ka basic funda simple hai – ek hi portal, saare banks ka access.
- Aapko education loan ke liye alag-alag bank ke chakkar nahi lagane padenge.
- Vidyalaxmi portal par 40+ banks listed hain.
- Ek hi common form bhar kar ek saath 3 banks me apply kar sakte ho.
- Loan ki status online track kar sakte ho.
- Subsidy schemes jaise CSIS (Central Sector Interest Subsidy) bhi isi portal se linked hain.
Matlab loan lena ab utna hi easy hai jitna online shopping – compare karo, choose karo aur apply kar do.
🎯 Government ka Aim
PM Vidyalaxmi Education Scheme ka main aim hai ki koi bhi student paise ki wajah se apna career sacrifice na kare.
Is scheme se:
- Higher education accessible ban jaati hai.
- Middle-class aur poor families ke liye big courses affordable hote hain.
- Loan process simple aur transparent hota hai.
- Girl students aur bright students ko extra benefit milta hai jaise interest concession.
📌 Example
Man lo Ravi ko UK me Master’s ka admission milta hai. Course ki fees ₹18 lakh hai. Uske parents ek saath itna paisa arrange nahi kar pate.
👉 Ravi Vidyalaxmi portal par register karta hai, form fill karke 3 banks me loan apply karta hai.
👉 Few weeks me loan approve ho jaata hai aur fees directly institute ko chali jaati hai.
👉 Ravi padhai complete karke job karta hai aur ek saal baad loan repay karna start kar deta hai.
Agar PM Vidyalaxmi Education Scheme na hoti, toh Ravi ka sapna adhoora reh jaata.
🔹 Eligibility
PM Vidyalaxmi Education Scheme ke liye apply karne ke liye:
- Indian citizen hona zaroori hai.
- Minimum age 18 years honi chahiye.
- Recognized college/university me admission mila ho (India ya abroad).
- Parents/guardian co-borrower hone chahiye.
- Bank ki eligibility norms fulfill karne chahiye.
🔹 Courses & Colleges Covered
Is scheme ke under almost saare major courses cover hote hain:
- Graduation & Post-Graduation
- Engineering, Medical, Management, Law, Architecture
- Diploma & Vocational courses
- Foreign universities me higher studies
Chaahe aap IIT/NIT me padhna chaho ya London/USA me – sab covered hai under PM Vidyalaxmi Education Scheme ✅
🔹 Loan Amount
- India me study → ₹10 lakh tak
- Abroad study → ₹20 lakh tak (kuch banks isse zyada bhi dete hain)
👉 ₹4 lakh tak ke loan ke liye collateral ki zaroorat nahi.
👉 High loan amount ke liye property/mortgage dena pad sakta hai.
🔹 Interest Rate
- Normally 8% – 12% per annum
- Girls students ke liye extra concession
- Govt. subsidy schemes se interest aur kam ho jaata hai
🔹 Documents Required
- Aadhaar, PAN, Photo
- Admission letter
- Fee structure
- Academic records (10th, 12th, UG/PG)
- Parents income proof
- Bank account details
- Collateral documents (agar zaroori ho)
🔹 Kaise Apply karein? (Step by Step)
PM Vidyalaxmi Education Scheme ke liye apply karna simple hai:
- Official site 👉 vidyalakshmi.co.in par jayein
- Student Registration karke login karein
- CELAF form (Common Education Loan Application Form) fill karein
- Maximum 3 banks choose karein
- Form submit karne ke baad banks aapse contact karenge
- Loan approval/rejection status portal par track kar sakte ho
🔹 Benefits of PM Vidyalaxmi Education Scheme
✔️ Ek portal se 40+ banks tak access
✔️ Hassle-free aur transparent process
✔️ Subsidy schemes ka direct benefit
✔️ Time & energy saving
✔️ Equal opportunity for every student
🎯 Quick Example
Agar aap abroad MBA karna chahte ho jiska cost ₹15 lakh hai, toh PM Vidyalaxmi Education Scheme ke through loan apply karo. Loan approve hone ke baad fees directly institute ko chali jaayegi. Padhai complete karke job milne ke ek saal baad repayment start karo.
✍ Final Words
PM Vidyalaxmi Education Scheme ek boon hai un students ke liye jo padhna chahte hain lekin paiso ki wajah se ruk jaate hain. Ab sapne poore karne ke liye sirf hard work ki zaroorat hai – paiso ki nahi. Government aur banks milkar aapka support kar rahe hain. 🚀
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