{"id":7913,"date":"2023-10-23T17:53:39","date_gmt":"2023-10-23T12:23:39","guid":{"rendered":"https:\/\/fly.finance\/blog\/?p=7913"},"modified":"2023-10-26T13:14:08","modified_gmt":"2023-10-26T07:44:08","slug":"features-of-vidya-lakshmi-portal","status":"publish","type":"post","link":"https:\/\/fly.finance\/blog\/education-loan\/features-of-vidya-lakshmi-portal\/","title":{"rendered":"What are the features of Vidya Lakshmi Portal?"},"content":{"rendered":"\n<p><strong>Features of Vidya Lakshmi Portal:<\/strong> Studying abroad is a dream for a lot of students. However, it\u2019s not easy for every student to fund their studies on their own. Hence, to deal with the financial hurdle and to provide aid the government of India launched the <a href=\"https:\/\/fly.finance\/blog\/education-loan\/vidya-lakshmi-portal-education-loan\/\"><strong>Vidya Lakshmi portal<\/strong><\/a>. This is a first-of-its-kind portal with a motive to help students with education loans.\u00a0<\/p>\n\n\n\n<p>The portal has an association with 44 banks with nearly 138 loan schemes for students who want to pursue higher education in India or abroad. Vidya Lakshmi provides a single window to access information regarding education loans and apply for the same. Let\u2019s check some of the major features of Vidya Lakshmi Portal.<\/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-features-of-vidya-lakshmi-portal\" data-level=\"2\">Features of Vidya Lakshmi Portal<\/a><ul><li><a href=\"#h-information-about-educational-loan-schemes-of-banks\" data-level=\"3\">Information about Educational Loan Schemes of Banks<\/a><\/li><li><a href=\"#h-common-educational-loan-application-form-for-students\" data-level=\"3\">Common Educational Loan Application Form for Students<\/a><\/li><li><a href=\"#h-apply-to-multiple-banks-for-educational-loans\" data-level=\"3\">Apply to multiple Banks for Educational Loans<\/a><\/li><li><a href=\"#h-facility-for-banks-to-download-students-loan-applications\" data-level=\"3\">Facility for Banks to download Students Loan Applications<\/a><\/li><li><a href=\"#h-facility-for-banks-to-upload-loan-processing-status\" data-level=\"3\">Facility for Banks to upload loan processing status<\/a><\/li><li><a href=\"#h-facility-for-students-to-email-grievances-queries-relating-to-educational-loans-to-banks\" data-level=\"3\">Facility for Students to email grievances\/queries relating to Educational Loans to Banks<\/a><\/li><li><a href=\"#h-linkage-to-national-scholarship-portal-for-information-and-application-for-govt-scholarships\" data-level=\"3\">Linkage to National Scholarship Portal for information and application for Govt Scholarships<\/a><\/li><\/ul><\/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-features-of-vidya-lakshmi-portal\"><span id=\"features-of-vidya-lakshmi-portal\">Features of Vidya Lakshmi Portal<\/span><\/h2>\n\n\n\n<p>Vidya Lakshmi portal provides you with all the information about education loan schemes offered by the banks as per the guidance of the Indian Bank Association. You can apply for education loans to pursue higher education abroad or in India easily with up to 3 banks at a time and can choose the best-suited bank for you.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-information-about-educational-loan-schemes-of-banks\"><span id=\"information-about-educational-loan-schemes-of-banks\">Information about Educational Loan Schemes of Banks<\/span><\/h3>\n\n\n\n<p>Banks offer education loans to students under various schemes depending on the course, country, university etc. When you log in to the Vidya Lakshmi portal you get information about all the schemes offered by all the 44 banks in detail. You can check interest rates, terms and conditions, minimum and maximum loan amounts, listed universities, courses and a lot of other things on the portal.&nbsp;<\/p>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong><em>Always keep your documents handy and up-to-date so that your loan can be approved easily. Check this blog on <\/em><\/strong><a href=\"https:\/\/fly.finance\/blog\/education-loan\/vidya-lakshmi-portal-documents-required\/\"><strong><em>Vidya Lakshmi Portal Documents Required<\/em><\/strong><\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-common-educational-loan-application-form-for-students\"><span id=\"common-educational-loan-application-form-for-students\">Common Educational Loan Application Form for Students<\/span><\/h3>\n\n\n\n<p>While applying for an education loan on the Vidya Lakshmi portal you won\u2019t have to fill out separate application forms to apply with different banks. Once you fill out the application form and select the banks you will get a call within 30 days from the bank for further steps. Here, you can select up to 3 banks at a time and the application form will be common for all. The bank will get the necessary information from Vidya Lakshmi directly.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-apply-to-multiple-banks-for-educational-loans\"><span id=\"apply-to-multiple-banks-for-educational-loans\">Apply to multiple Banks for Educational Loans<\/span><\/h3>\n\n\n\n<p>As mentioned above you can apply for an education loan with up to 3 banks at a time. Also, you get the chance to compare all 44 banks based on the rate of interest and other parameters. Even if your loan gets rejected the first time you can apply again and select different banks. In this way, you get the flexibility to apply for education loans to multiple banks without any impact on your credit score.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-facility-for-banks-to-download-students-loan-applications\"><span id=\"facility-for-banks-to-download-students-loan-applications\">Facility for Banks to download Students Loan Applications<\/span><\/h3>\n\n\n\n<p>Once you apply on the Vidya Lakshmi portal the bank will get the information on your candidature. The banks can download your application and access your profile to approve the education loan. You will get a call from the bank within 15 or 30 days (based on the loan category) to initiate further process.&nbsp;<\/p>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong><em>While registering on the Vidya Lakshmi Portal for an education loan make sure that you enter all the information properly as they will be used by the banks to analyze your education loan. Check this blog on <\/em><\/strong><a href=\"https:\/\/fly.finance\/blog\/education-loan\/vidya-lakshmi-education-loan-registration-process\/\"><strong><em>Vidya Lakshmi Portal Registration Process<\/em><\/strong><\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-facility-for-banks-to-upload-loan-processing-status\"><span id=\"facility-for-banks-to-upload-loan-processing-status\">Facility for Banks to upload loan processing status<\/span><\/h3>\n\n\n\n<p>Now there is a question after applying how will you be able to check the loan status? No need to worry. The bank will post all the updates regarding your loan on the Vidya Lakshmi portal. You can simply log in to your profile and check the status of your education loan on the dashboard.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-facility-for-students-to-email-grievances-queries-relating-to-educational-loans-to-banks\"><span id=\"facility-for-students-to-email-grievances-queries-relating-to-educational-loans-to-banks\">Facility for Students to email grievances\/queries relating to Educational Loans to Banks<\/span><\/h3>\n\n\n\n<p>As the banks have their terms and conditions for the education loan you might face some issues or queries related to the loan. In this case, you can directly contact your bank through email or by visiting the branch. The contact details for all the banks are available on the Vidya Lakshmi portal.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-linkage-to-national-scholarship-portal-for-information-and-application-for-govt-scholarships\"><span id=\"linkage-to-national-scholarship-portal-for-information-and-application-for-govt-scholarships\">Linkage to National Scholarship Portal for information and application for Govt Scholarships<\/span><\/h3>\n\n\n\n<p>The Vidya Lakshmi portal was developed to help students pursue higher studies with the help of education loans. There are similar portals available for students who want to avail of subsidy-based education loans to study in India or abroad. On the Vidya Lakshmi portal, there is a linkage to the National Scholarship Portal i.e. Jan Samarth. You can find the link on the login page of the Vidya Lakshmi portal.&nbsp;<\/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-1698063464661\"><strong class=\"schema-faq-question\">Can I get a subsidised education loan from the Vidya Lakshmi portal?<\/strong> <p class=\"schema-faq-answer\">The Vidya Lakshmi portal provides a linkage to the National Scholarship portal. You can check the Vidya Lakshmi portal login page for the link to a separate portal where you can get a subsidised education loan.\u00a0<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1698063473355\"><strong class=\"schema-faq-question\">Can I apply again for an education loan if it gets rejected?<\/strong> <p class=\"schema-faq-answer\">You can easily apply for an education loan again if your loan has been rejected. You can also change the bank and select the other 3 banks in your second application.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1698063481374\"><strong class=\"schema-faq-question\">What is the interest rate for an education loan on the Vidya Lakshmi portal?<\/strong> <p class=\"schema-faq-answer\">The interest rate for education loans through the Vidya Lakshmi portal varies from bank to bank. You can check the interest rate individually for the banks from which you want to take an education loan.\u00a0<\/p> <\/div> <\/div>\n\n\n\n<p>This was all about the features of the Features of Vidya Laxmi Portal. The Vidya Lakshmi portal is one of the best modes to apply for an education loan. Students can easily create a profile and apply for the loan as per their requirements. Don\u2019t forget to check all the terms and conditions and the interest rates listed in the portal for the banks.<\/p>\n\n\n\n<p>To know more about the features of Vidya Lakshmi portal and Vidya Laxmi Portal, 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 study abroad experience.&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\/vidya-lakshmi-education-loan-interest-rate\/\"><strong>Vidya Lakshmi Education Loan Interest Rate<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/education-loan\/vidya-lakshmi-education-loan-sbi\/\"><strong>Vidya Lakshmi Education Loan SBI<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/education-loan\/how-to-apply-for-education-loan-through-vidya-lakshmi-portal\/\"><strong>How to Apply for Education Loan through Vidya Lakshmi Portal<\/strong><\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Follow Us on Social Media <\/strong><\/p>\n\n\n\n<ul class=\"wp-block-social-links is-layout-flex wp-block-social-links-is-layout-flex\"><li class=\"wp-social-link wp-social-link-instagram  wp-block-social-link\"><a href=\"https:\/\/instagram.com\/flydotfinance\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12,4.622c2.403,0,2.688,0.009,3.637,0.052c0.877,0.04,1.354,0.187,1.671,0.31c0.42,0.163,0.72,0.358,1.035,0.673 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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>Features of Vidya Lakshmi Portal: Studying abroad is a dream for a lot of students. However, it\u2019s not easy for every student to fund their studies on their own. Hence, to deal with the financial hurdle and to provide aid the government of India launched the Vidya Lakshmi portal. This is a first-of-its-kind portal with &#8230; <a title=\"What are the features of Vidya Lakshmi Portal?\" class=\"read-more\" href=\"https:\/\/fly.finance\/blog\/education-loan\/features-of-vidya-lakshmi-portal\/\" aria-label=\"Read more about What are the features of Vidya Lakshmi Portal?\">Read more<\/a><\/p>\n","protected":false},"author":24,"featured_media":7880,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21],"tags":[],"class_list":["post-7913","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>What are the features of Vidya Lakshmi Portal?<\/title>\n<meta name=\"description\" content=\"This blog includes details about the Features of Vidya Lakshmi Portal. 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To know more about it read the blog.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/fly.finance\/blog\/education-loan\/features-of-vidya-lakshmi-portal\/","og_locale":"en_US","og_type":"article","og_title":"What are the features of Vidya Lakshmi Portal?","og_description":"This blog includes details about the Features of Vidya Lakshmi Portal. 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With expertise in crafting informative blogs on study abroad and finance, Shekhar helps readers navigate the complexities of education and financial planning. Most of his writings blend the practicality of finance and the beauty of language, making a meaningful impact in both spheres. Beyond his professional pursuits, he finds solace in the writing Shayari.","sameAs":["https:\/\/in.linkedin.com\/in\/thahankmoody","https:\/\/www.tumblr.com\/blog\/dhanlabh"],"url":"https:\/\/fly.finance\/blog\/author\/shekhar\/"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/features-of-vidya-lakshmi-portal\/#faq-question-1698063464661","position":1,"url":"https:\/\/fly.finance\/blog\/education-loan\/features-of-vidya-lakshmi-portal\/#faq-question-1698063464661","name":"Can I get a subsidised education loan from the Vidya Lakshmi portal?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The Vidya Lakshmi portal provides a linkage to the National Scholarship portal. You can check the Vidya Lakshmi portal login page for the link to a separate portal where you can get a subsidised education loan.\u00a0","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/features-of-vidya-lakshmi-portal\/#faq-question-1698063473355","position":2,"url":"https:\/\/fly.finance\/blog\/education-loan\/features-of-vidya-lakshmi-portal\/#faq-question-1698063473355","name":"Can I apply again for an education loan if it gets rejected?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"You can easily apply for an education loan again if your loan has been rejected. You can also change the bank and select the other 3 banks in your second application.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/features-of-vidya-lakshmi-portal\/#faq-question-1698063481374","position":3,"url":"https:\/\/fly.finance\/blog\/education-loan\/features-of-vidya-lakshmi-portal\/#faq-question-1698063481374","name":"What is the interest rate for an education loan on the Vidya Lakshmi portal?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The interest rate for education loans through the Vidya Lakshmi portal varies from bank to bank. You can check the interest rate individually for the banks from which you want to take an education loan.\u00a0","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/7913","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\/24"}],"replies":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/comments?post=7913"}],"version-history":[{"count":6,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/7913\/revisions"}],"predecessor-version":[{"id":7939,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/7913\/revisions\/7939"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/media\/7880"}],"wp:attachment":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/media?parent=7913"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/categories?post=7913"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/tags?post=7913"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}