{"id":7563,"date":"2023-10-12T15:16:05","date_gmt":"2023-10-12T09:46:05","guid":{"rendered":"https:\/\/fly.finance\/blog\/?p=7563"},"modified":"2023-10-12T15:16:06","modified_gmt":"2023-10-12T09:46:06","slug":"vidya-lakshmi-portal-karur-vysya-bank","status":"publish","type":"post","link":"https:\/\/fly.finance\/blog\/education-loan\/vidya-lakshmi-portal-karur-vysya-bank\/","title":{"rendered":"Vidya Lakshmi Portal Karur Vysya Bank: A Complete Guide"},"content":{"rendered":"\n<p><strong>Vidya Lakshmi Portal Karur Vysya Bank<\/strong>: Vidya Lakshmi portal is a single-window electronic platform developed by the government with the purpose of providing educational loans to deserving students.&nbsp;<\/p>\n\n\n\n<p>The Ministry of Finance, the Ministry of Education, and the Indian Banks Association (IBA) collaborated to create Vidya Lakshmi in 2015. The <a href=\"https:\/\/fly.finance\/blog\/education-loan\/vidya-lakshmi-portal-education-loan\/\"><strong>Vidya Lakshmi Portal Education Loan <\/strong><\/a>currently has 138 education loan plans registered with 44 banks.<\/p>\n\n\n\n<p>One such bank that offers education loans to students through the Vidya Lakshmi platform is Karur Vysya Bank. We&#8217;ll cover the crucial information concerning the Vidya Lakshmi Portal Karur Vysya Bank in this article.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td>Loan name<\/td><td>KVB EDUCATIONAL LOAN<\/td><\/tr><tr><td>Objective<\/td><td>Individuals who want to pursue studies in India and abroad<\/td><\/tr><tr><td>Eligibility<\/td><td>Must be an Indian Citizen<br>Offer letter from the university<\/td><\/tr><tr><td>Courses offered<\/td><td>Graduation from Universities that offer job-oriented professional\/technical courses.<br>Post Graduation for MCA, MBA, MS, etc.<br>Courses conducted by CIMA-London, CPA in the USA, PG Diploma courses, etc.<\/td><\/tr><tr><td>Repayment period<\/td><td>60-84 months after commencement of repayment<\/td><\/tr><tr><td>Max Moratorium Period<\/td><td>2 years or 6 months after starting a job, whichever comes first.<\/td><\/tr><tr><td>Any processing fee?<\/td><td>INR 5,000<\/td><\/tr><\/tbody><\/table><\/figure>\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-vidya-lakshmi-portal-karur-vysya-bank-eligibility-criteria\" data-level=\"2\">Vidya Lakshmi Portal Karur Vysya Bank: Eligibility Criteria\u00a0<\/a><\/li><li><a href=\"#h-vidya-lakshmi-portal-karur-vysya-bank-interest-rates\" data-level=\"2\">Vidya Lakshmi Portal Karur Vysya Bank: Interest Rates\u00a0<\/a><\/li><li><a href=\"#h-vidya-lakshmi-portal-karur-vysya-bank-offered-courses\" data-level=\"2\">Vidya Lakshmi Portal Karur Vysya Bank: Offered Courses\u00a0<\/a><\/li><li><a href=\"#h-required-documents\" data-level=\"2\">Required Documents<\/a><\/li><li><a href=\"#h-expenses-covered\" data-level=\"2\">Expenses covered\u00a0<\/a><\/li><li><a href=\"#h-vidya-lakshmi-portal-karur-vysya-bank-application-process\" data-level=\"2\">Vidya Lakshmi Portal Karur Vysya Bank: Application Process<\/a><\/li><li><a href=\"#h-faqs\" data-level=\"2\">FAQs<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-vidya-lakshmi-portal-karur-vysya-bank-eligibility-criteria\"><span id=\"vidya-lakshmi-portal-karur-vysya-bank-eligibility-criteria\">Vidya Lakshmi Portal Karur Vysya Bank: Eligibility Criteria&nbsp;<\/span><\/h2>\n\n\n\n<p>Here are the eligibility criteria for those who want to apply for Vidya Lakshmi Portal Karur Vysya Bank.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Must be a citizen of India.<\/li>\n\n\n\n<li>Securing admission to professional or technical programmes that are recognised by the appropriate authority and associated with the university administering the exams, including those that admit students under the Management Quota.<\/li>\n\n\n\n<li>Obtaining admission to a foreign institution of higher learning.<\/li>\n<\/ul>\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\/vidya-lakshmi-education-loan-sbi\/\"><strong>Vidya Lakshmi Education Loan From SBI<\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-vidya-lakshmi-portal-karur-vysya-bank-interest-rates\"><span id=\"vidya-lakshmi-portal-karur-vysya-bank-interest-rates\">Vidya Lakshmi Portal Karur Vysya Bank: Interest Rates&nbsp;<\/span><\/h2>\n\n\n\n<p>Here are the floating interest rates of Vidya Lakshmi Portal Karur Vysya Bank in the below table.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><strong>Male<\/strong><\/td><td><strong>Female&nbsp;<\/strong><\/td><\/tr><tr><td>&#8211; Upto INR 4 lakhs = One year MCLR+3.10%INR <br>&#8211; 4 lakh to INR 7.5 lakh = One year MCLR+3.10%<br>&#8211; Above INR 7.5 lakh = One year MCLR+2.85%<br>&#8211; Above INR 10 lakh = One year MCLR+2.60%<\/td><td>&#8211; Upto INR 4 lakhs = One year MCLR+2.60%INR <br>&#8211; 4 lakh to INR 7.5 lakh = One year MCLR+2.60%<br>&#8211; Above INR 7.5 lakh = One year MCLR+2.35%<br>&#8211; Above INR 10 lakh = One year MCLR+2.10%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-vidya-lakshmi-portal-karur-vysya-bank-offered-courses\"><span id=\"vidya-lakshmi-portal-karur-vysya-bank-offered-courses\">Vidya Lakshmi Portal Karur Vysya Bank: Offered Courses&nbsp;<\/span><\/h2>\n\n\n\n<p>Refer below for the courses offered by Vidya Lakshmi Portal Karur Vysya Bank.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><strong>Graduation<\/strong><\/td><td>Graduation for professional or technical courses with a focus on the jobs that are given by reputable universities. <br>Engineering courses, other professional courses, and medical courses abroad (equivalent to the MBBS programme in India) are also eligible for financial aid under the educational loan programme.<\/td><\/tr><tr><td><strong>Post Graduation<\/strong><\/td><td>MCA, MBA, MS, CPA in the USA, PG Diploma programmes, etc., are just a few examples. <br>The list is merely indicative. However, diploma\/certificate programmes abroad are not covered by educational loans.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-required-documents\"><span id=\"required-documents\">Required Documents<\/span><\/h2>\n\n\n\n<p>The list of supporting documents you must send with your loan application is below:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>PAN card<\/li>\n\n\n\n<li>Aadhaar card<\/li>\n\n\n\n<li>Voter identification such as a passport or driver&#8217;s licence<\/li>\n\n\n\n<li>a phone bill or an electricity bill for address proof<\/li>\n\n\n\n<li>a request form<\/li>\n\n\n\n<li>passport-sized pictures<\/li>\n\n\n\n<li>Offer letter<\/li>\n\n\n\n<li>an active passport and visa<\/li>\n\n\n\n<li>Academic transcripts from eighth grade through graduate school<\/li>\n\n\n\n<li>An income certificate or proof of the guarantor&#8217;s income<\/li>\n\n\n\n<li>document collateral for security<\/li>\n\n\n\n<li>Co-applicant and guarantor&#8217;s statement of assets and liabilities<\/li>\n\n\n\n<li>sources of funding to pay back the loan&#8217;s principal<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-expenses-covered\"><span id=\"expenses-covered\">Expenses covered&nbsp;<\/span><\/h2>\n\n\n\n<p>The university and housing costs will be covered by this education loan. You can better understand the costs covered by the loan by consulting the list below.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Exam expenses, college\/hostel fees, and other costs&nbsp;<\/li>\n\n\n\n<li>Money for travel and transit when studying abroad<\/li>\n\n\n\n<li>caution advance Refundable deposits and building funds backed by invoices and receipts from the institution<\/li>\n\n\n\n<li>Expenses for purchasing books, instruments, equipment, and uniforms<\/li>\n\n\n\n<li>acquisition of computers<\/li>\n\n\n\n<li>premiums for student insurance, if applicable<\/li>\n\n\n\n<li>any additional costs related to finishing the course, such as those related to study abroad, projects, theses, etc.<\/li>\n\n\n\n<li>Fees for the library and the lab<\/li>\n<\/ul>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong>Must Read: <\/strong><a href=\"https:\/\/fly.finance\/blog\/education-loan\/indian-bank-education-loan-vidya-lakshmi-portal\/\"><strong>Indian Bank Education Loan Vidya Lakshmi Portal: A Comprehensive Guide<\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-vidya-lakshmi-portal-karur-vysya-bank-application-process\"><span id=\"vidya-lakshmi-portal-karur-vysya-bank-application-process\">Vidya Lakshmi Portal Karur Vysya Bank: Application Process<\/span><\/h2>\n\n\n\n<p>Below are the steps for the application process of Vidya Lakshmi Portal Karur Vysya Bank.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If you are a new user then <a href=\"https:\/\/fly.finance\/blog\/education-loan\/vidya-lakshmi-education-loan-registration-process\/\"><strong>register to the Vidya Lakshmi Portal<\/strong><\/a> and make a new password.<\/li>\n\n\n\n<li>Then <a href=\"https:\/\/fly.finance\/blog\/education-loan\/how-to-log-in-to-vidya-lakshmi-portal\/\"><strong>log in to the Vidya Lakshmi portal<\/strong><\/a> as a student with the same password.<\/li>\n\n\n\n<li>Go to the bank section<\/li>\n\n\n\n<li>Select Karur Vysya Bank<\/li>\n\n\n\n<li>Mention the loan amount<\/li>\n\n\n\n<li>Then provide the necessary documents<\/li>\n<\/ul>\n\n\n\n<p><strong><em>Note that all the information mentioned above has been taken from the Vidya Lakshmi Portal and as these details may change over time, it is recommended that the students visit the Vidya Lakshmi Portal and the bank\u2019s website from time to time before applying for the loan.&nbsp;<\/em><\/strong><\/p>\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-1696849189045\"><strong class=\"schema-faq-question\">How can I contact the bank after applying from the Vidya Lakshmi portal?<\/strong> <p class=\"schema-faq-answer\">You can contact the bank by calling them on 04324 &#8211; 269403. However, you should wait for at least 30 days after submitting your application. <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1696849190334\"><strong class=\"schema-faq-question\">Is there any processing fee?<\/strong> <p class=\"schema-faq-answer\">All students who apply for an education loan for more than Rs. 4.00 lacs to study abroad will be required to provide a deposit of Rs. 5000, which will be deducted from the applicant&#8217;s margin money contribution or interest payment if the loan is approved.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1696849191157\"><strong class=\"schema-faq-question\">Are there any pre-payment charges?<\/strong> <p class=\"schema-faq-answer\">No there are no pre-payment charges.<\/p> <\/div> <\/div>\n\n\n\n<p>In conclusion, the Vidya Lakshmi portal in association with Karur Vysya Bank helps students with their finances for their education. With a wide range of schemes and lower interest rates, one can obtain the best education without any financial burden.<\/p>\n\n\n\n<p>To know more about the Vidya Lakshmi Education Loan, 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\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-pale-ocean-gradient-background has-background\"><tbody><tr><td><strong>Related Blogs<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/education-loan\/banks-providing-education-loans-to-study-in-uk\/\"><strong>Banks Providing Education Loans to Study in the UK<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/education-loan\/vidya-lakshmi-portal-axis-bank\/\"><strong>Vidya Lakshmi Portal Axis Bank: Application Process, Interest Rates and More<\/strong><\/a><\/td><\/tr><tr><td><a 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aria-hidden=\"true\" focusable=\"false\"><path d=\"M22.23,5.924c-0.736,0.326-1.527,0.547-2.357,0.646c0.847-0.508,1.498-1.312,1.804-2.27 c-0.793,0.47-1.671,0.812-2.606,0.996C18.324,4.498,17.257,4,16.077,4c-2.266,0-4.103,1.837-4.103,4.103 c0,0.322,0.036,0.635,0.106,0.935C8.67,8.867,5.647,7.234,3.623,4.751C3.27,5.357,3.067,6.062,3.067,6.814 c0,1.424,0.724,2.679,1.825,3.415c-0.673-0.021-1.305-0.206-1.859-0.513c0,0.017,0,0.034,0,0.052c0,1.988,1.414,3.647,3.292,4.023 c-0.344,0.094-0.707,0.144-1.081,0.144c-0.264,0-0.521-0.026-0.772-0.074c0.522,1.63,2.038,2.816,3.833,2.85 c-1.404,1.1-3.174,1.756-5.096,1.756c-0.331,0-0.658-0.019-0.979-0.057c1.816,1.164,3.973,1.843,6.29,1.843 c7.547,0,11.675-6.252,11.675-11.675c0-0.178-0.004-0.355-0.012-0.531C20.985,7.47,21.68,6.747,22.23,5.924z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Twitter<\/span><\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Vidya Lakshmi Portal Karur Vysya Bank: Vidya Lakshmi portal is a single-window electronic platform developed by the government with the purpose of providing educational loans to deserving students.&nbsp; The Ministry of Finance, the Ministry of Education, and the Indian Banks Association (IBA) collaborated to create Vidya Lakshmi in 2015. The Vidya Lakshmi Portal Education Loan &#8230; <a title=\"Vidya Lakshmi Portal Karur Vysya Bank: A Complete Guide\" class=\"read-more\" href=\"https:\/\/fly.finance\/blog\/education-loan\/vidya-lakshmi-portal-karur-vysya-bank\/\" aria-label=\"Read more about Vidya Lakshmi Portal Karur Vysya Bank: A Complete Guide\">Read more<\/a><\/p>\n","protected":false},"author":23,"featured_media":7677,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21],"tags":[],"class_list":["post-7563","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 Karur Vysya Bank: A Complete Guide<\/title>\n<meta name=\"description\" content=\"Read this blog to know all the necessary 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However, you should wait for at least 30 days after submitting your application. 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