{"id":7499,"date":"2025-08-05T21:55:28","date_gmt":"2025-08-05T16:25:28","guid":{"rendered":"https:\/\/fly.finance\/blog\/?p=7499"},"modified":"2025-08-06T11:21:02","modified_gmt":"2025-08-06T05:51:02","slug":"vidya-lakshmi-portal-hdfc-bank","status":"publish","type":"post","link":"https:\/\/fly.finance\/blog\/education-loan\/vidya-lakshmi-portal-hdfc-bank\/","title":{"rendered":"Vidya Lakshmi Portal HDFC Bank: Check All the Details Here"},"content":{"rendered":"\n<p>The <a href=\"https:\/\/fly.finance\/blog\/education-loan\/vidya-lakshmi-portal-education-loan\/\"><strong>Vidya Lakshmi portal<\/strong><\/a> was launched on 15 August 2015. The main objective of introducing the portal is to provide a one-stop solution for students to avail education loans for higher studies. The government of India in collaboration with the Indian Banks Association is providing financial assistance to students with 44 registered banks.<\/p>\n\n\n\n<p>HDFC Bank is one of the registered banks providing financial assistance to students who want to pursue higher education either in India or abroad.\u00a0 In this blog, we will talk about the detailed procedure to apply for a loan on Vidya Lakshmi Portal HDFC bank loan.<\/p>\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2 id=\"table-of-contents\">Table of contents<\/h2><ul><li><a href=\"#h-hdfc-education-loan-from-vidya-lakshmi-portal\" data-level=\"2\">HDFC Education Loan from Vidya Lakshmi Portal<\/a><\/li><li><a href=\"#h-vidya-lakshmi-portal-hdfc-bank-education-loan-eligibility\" data-level=\"2\">Vidya Lakshmi Portal HDFC Bank Education Loan Eligibility<\/a><\/li><li><a href=\"#h-vidya-lakshmi-portal-hdfc-bank-education-loan-terms-and-conditions\" data-level=\"2\">Vidya Lakshmi Portal HDFC Bank Education Loan Terms and Conditions<\/a><\/li><li><a href=\"#h-disbursement-of-the-loan-amount\" data-level=\"2\">Disbursement of the Loan Amount<\/a><\/li><li><a href=\"#h-expenses-covered-under-education-loan\" data-level=\"2\">Expenses Covered Under Education Loan<\/a><\/li><li><a href=\"#h-faqs\" data-level=\"2\">FAQs<\/a><\/li><\/ul><\/div>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong>Also Read: <\/strong><a href=\"https:\/\/leverageedu.com\/blog\/education-loans-for-abroad-studies\/\"><strong>Education Loans for Abroad Studies <\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-hdfc-education-loan-from-vidya-lakshmi-portal\"><span id=\"hdfc-education-loan-from-vidya-lakshmi-portal\">HDFC Education Loan from Vidya Lakshmi Portal<\/span><\/h2>\n\n\n\n<p>HDFC is the first dedicated education loan company. It provides financial assistance to aspiring students for overseas education. Check out the highlights of the HDFC Bank education loan<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td>Loan Program<\/td><td>HDFC Education Loan<\/td><\/tr><tr><td>Student\u2019s Age<\/td><td>16 years to 35 years (as per the data provided by Vidya Lakshmi Portal)<\/td><\/tr><tr><td>Co-applicants Age (as per the data provided by Vidya Lakshmi Portal)<\/td><td>Salaried<\/td><td>21-60 years<\/td><\/tr><tr><td>Self-Employed<\/td><td>21-65 years<\/td><\/tr><tr><td>Self-Employed Professional<\/td><td>25-65 years<\/td><\/tr><tr><td>Quantum of Loan<\/td><td>Category<\/td><td>Category A \/ B&nbsp;<\/td><td>Category C<\/td><\/tr><tr><td>India<\/td><td>15 lakhs<\/td><td>7.50 lakhs<\/td><\/tr><tr><td>Abroad<\/td><td>20 lakhs<\/td><td>15 lakhs<\/td><\/tr><tr><td>Repayment Period<\/td><td>Up to INR 4 lakhs<\/td><td>120 Months<\/td><\/tr><tr><td>INR 4 lakhs to 7.5 lakhs<\/td><td>120 Months<\/td><\/tr><tr><td>Above INR 7.5 lakhs<\/td><td>180 Months<\/td><\/tr><tr><td>Moratorium Period<\/td><td>Course period plus one year or 6 months. The maximum moratorium Period is 12 months.<\/td><\/tr><tr><td>Processing Fees<\/td><td>No processing charges<\/td><\/tr><tr><td>Interest Rate<\/td><td>Loan Amount<\/td><td>Minimum<\/td><td>Maximum<\/td><\/tr><tr><td>Upto INR 4 lakhs<\/td><td>10.25%<\/td><td>12.25%<\/td><\/tr><tr><td>Above INR 4 lakhs<\/td><td>10.25%<\/td><td>15.00%<\/td><\/tr><tr><td>Margin Money<\/td><td>15% margin for overseas education in all categories of institution<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong>Also Read: <\/strong><a href=\"https:\/\/fly.finance\/blog\/education-loan\/canara-bank-vidya-lakshmi-education-loan\/\"><strong>Canara Bank Vidya Lakshmi Education Loan<\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-vidya-lakshmi-portal-hdfc-bank-education-loan-eligibility\"><span id=\"vidya-lakshmi-portal-hdfc-bank-education-loan-eligibility\">Vidya Lakshmi Portal HDFC Bank Education Loan Eligibility<\/span><\/h2>\n\n\n\n<p>There is a criterion set by all the banks to grant financial aid to students for higher education in India and abroad. The eligibility criteria of HDFC Bank are: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The applicant should be a resident of India.<\/li>\n\n\n\n<li>The age of the student should be between 16 and 35 years.<\/li>\n\n\n\n<li>Co-applicant is mandatory to avail educational loan.<\/li>\n\n\n\n<li>Students should be eligible for Loan amounts.<\/li>\n\n\n\n<li>Students should have secured admission to a higher education course in a recognised institution.<\/li>\n\n\n\n<li>Approved courses leading to a degree and PG diplomas in recognised colleges.<\/li>\n\n\n\n<li>A third-party guarantee with adequate net worth is mandatory for loan amounts between 4 lakhs and 7.50 lakhs.<\/li>\n\n\n\n<li>Tangible security is to be provided for the loan amount above 7.50 lakhs.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-vidya-lakshmi-portal-hdfc-bank-education-loan-terms-and-conditions\"><span id=\"vidya-lakshmi-portal-hdfc-bank-education-loan-terms-and-conditions\">Vidya Lakshmi Portal HDFC Bank Education Loan Terms and Conditions<\/span><\/h2>\n\n\n\n<p>The terms and conditions to avail HDFC bank education loan are as follows<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The applicant and co-applicant must have a savings account with HDFC Bank.<\/li>\n\n\n\n<li>The minimum balance should be INR 5000 in a savings account.<\/li>\n\n\n\n<li>A joint account is mandatory for minor students.<\/li>\n\n\n\n<li>Interest Servicing through this account (where applicable)<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-disbursement-of-the-loan-amount\"><span id=\"disbursement-of-the-loan-amount\">Disbursement of the Loan Amount<\/span><\/h2>\n\n\n\n<p>The Tuition and Hostel fees are disbursed directly in favour of the educational institute as per the schedule of fees given by the institute\/college. The amount of loan to be disbursed is as per requirement\/ demand, directly to vendors of books\/equipment\/instruments to the extent possible.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-expenses-covered-under-education-loan\"><span id=\"expenses-covered-under-education-loan\">Expenses Covered Under Education Loan<\/span><\/h2>\n\n\n\n<p>The list of expenses covered under an education loan is&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tuition fees as determined by the college\/University.<\/li>\n\n\n\n<li>Up to 100% of other expenses\n<ul class=\"wp-block-list\">\n<li>Living and hostel expenses<\/li>\n\n\n\n<li>Travelling expenses<\/li>\n\n\n\n<li>Examination fees<\/li>\n\n\n\n<li>Library\/laboratory fees<\/li>\n\n\n\n<li>Purchase of books\/equipment\/instruments\/uniforms<\/li>\n\n\n\n<li>Passage money for studies in India<\/li>\n\n\n\n<li>Purchase of computers\/laptops is considered necessary for completion of the course as decided by  Credila. <\/li>\n\n\n\n<li>Travel fare is restricted to one economy class return ticket between India and the country of study.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs\"><span id=\"faqs\">FAQs<\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1696594963977\"><strong class=\"schema-faq-question\">Can my spouse be a co-applicant for the loan?<\/strong> <p class=\"schema-faq-answer\">Yes, your spouse can be a co-applicant.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1696594965161\"><strong class=\"schema-faq-question\">Can I apply for tax benefits on availing an Education Loan?<\/strong> <p class=\"schema-faq-answer\">Indeed, under Section 80-E of the Income Tax Act 1961, you can apply for tax exemption on an education loan.\u00a0<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1696594965696\"><strong class=\"schema-faq-question\">Can I apply for a 100% education loan?<\/strong> <p class=\"schema-faq-answer\">Yes, an education loan covers up to 100% of expenses.<\/p> <\/div> <\/div>\n\n\n\n<p>Vidya Lakshmi Portal HDFC Bank is providing a one-stop solution to avail of HDFC Bank in an easy and friendly manner. Kindly check all the details, eligibility criteria, and interest rates before applying for an education loan. Also, compare the schemes and loan programs provided by the banks. Choose an appropriate program as per your course and university.<\/p>\n\n\n\n<p>To know more about the loan application process, the best <a href=\"https:\/\/fly.finance\/international-bank-account\"><strong>international bank accounts for students<\/strong><\/a>, forex and banking experience for global students or <a href=\"https:\/\/fly.finance\/blog\/money-transfer\/\"><strong>international money transfers<\/strong><\/a>, reach out to our experts at 1800572126 to help ease your <a href=\"https:\/\/leverageedu.com\/\"><strong>study abroad<\/strong><\/a> experience. Follow our social media handles on <a href=\"https:\/\/twitter.com\/flydotfinance\"><strong>Twitter<\/strong><\/a>, <a href=\"https:\/\/www.linkedin.com\/company\/flyfinance\/\"><strong>LinkedIn<\/strong><\/a> and <a href=\"https:\/\/instagram.com\/flydotfinance\"><strong>Instagram<\/strong><\/a>.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Vidya Lakshmi portal was launched on 15 August 2015. The main objective of introducing the portal is to provide a one-stop solution for students to avail education loans for higher studies. The government of India in collaboration with the Indian Banks Association is providing financial assistance to students with 44 registered banks. HDFC Bank &#8230; <a title=\"Vidya Lakshmi Portal HDFC Bank: Check All the Details Here\" class=\"read-more\" href=\"https:\/\/fly.finance\/blog\/education-loan\/vidya-lakshmi-portal-hdfc-bank\/\" aria-label=\"Read more about Vidya Lakshmi Portal HDFC Bank: Check All the Details Here\">Read more<\/a><\/p>\n","protected":false},"author":25,"featured_media":7505,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21],"tags":[],"class_list":["post-7499","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-education-loan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Vidya Lakshmi Portal HDFC Bank: Check All the Details Here<\/title>\n<meta name=\"description\" content=\"Go through this blog and know all the information regarding the Vidya 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From thought-provoking articles to SEO-friendly blog posts, or engaging website content, She is here to bring the ideas to life through words.","sameAs":["https:\/\/www.quora.com\/profile\/Farina-Khan-73","https:\/\/www.tumblr.com\/blog\/farinakhan"],"honorificPrefix":"Ms","gender":"female","knowsLanguage":["English","Hindi","Urdu","Arabic"],"jobTitle":"Senior Associate - Content Marketing","url":"https:\/\/fly.finance\/blog\/author\/farina\/"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/vidya-lakshmi-portal-hdfc-bank\/#faq-question-1696594963977","position":1,"url":"https:\/\/fly.finance\/blog\/education-loan\/vidya-lakshmi-portal-hdfc-bank\/#faq-question-1696594963977","name":"Can my spouse be a co-applicant for the loan?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes, your spouse can be a co-applicant.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/vidya-lakshmi-portal-hdfc-bank\/#faq-question-1696594965161","position":2,"url":"https:\/\/fly.finance\/blog\/education-loan\/vidya-lakshmi-portal-hdfc-bank\/#faq-question-1696594965161","name":"Can I apply for tax benefits on availing an Education Loan?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Indeed, under Section 80-E of the Income Tax Act 1961, you can apply for tax exemption on an education loan.\u00a0","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/vidya-lakshmi-portal-hdfc-bank\/#faq-question-1696594965696","position":3,"url":"https:\/\/fly.finance\/blog\/education-loan\/vidya-lakshmi-portal-hdfc-bank\/#faq-question-1696594965696","name":"Can I apply for a 100% education loan?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes, an education loan covers up to 100% of expenses.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/7499","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/users\/25"}],"replies":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/comments?post=7499"}],"version-history":[{"count":5,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/7499\/revisions"}],"predecessor-version":[{"id":21193,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/7499\/revisions\/21193"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/media\/7505"}],"wp:attachment":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/media?parent=7499"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/categories?post=7499"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/tags?post=7499"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}