{"id":7963,"date":"2023-10-27T17:01:07","date_gmt":"2023-10-27T11:31:07","guid":{"rendered":"https:\/\/fly.finance\/blog\/?p=7963"},"modified":"2024-05-06T19:23:36","modified_gmt":"2024-05-06T13:53:36","slug":"is-vidya-lakshmi-interest-free","status":"publish","type":"post","link":"https:\/\/fly.finance\/blog\/education-loan\/is-vidya-lakshmi-interest-free\/","title":{"rendered":"Can You Get Interest-Free Education Loans Through the Vidya Lakshmi Portal?"},"content":{"rendered":"\n<p><strong>Is Vidya Lakshmi interest free:<\/strong> Vidya Lakshmi Portal is a platform that makes it easier for students to take education loans. A list of banks is available on the platform along with different loan schemes from which students can opt for the one which is most suitable for them.<\/p>\n\n\n\n<p>Interest rates are one of the most important aspects of education loans and in this blog, we are going to answer a very common question asked by students &#8211; Can a student get interest-free education loans through the 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-is-vidya-lakshmi-loan-interest-free\" data-level=\"2\">Is Vidya Lakshmi loan Interest Free?<\/a><\/li><li><a href=\"#h-how-can-you-find-out-interest-rates-on-the-vidya-lakshmi-portal\" data-level=\"2\">How Can You Find Out Interest Rates on the Vidya Lakshmi Portal?<\/a><ul><li><a href=\"#h-choosing-a-bank-and-loan-scheme\" data-level=\"3\">Choosing a Bank and Loan Scheme<\/a><\/li><\/ul><\/li><li><a href=\"#h-things-to-keep-in-mind-while-choosing-a-bank\" data-level=\"2\">Things to Keep in Mind While Choosing a Bank<\/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-is-vidya-lakshmi-loan-interest-free\"><span id=\"is-vidya-lakshmi-loan-interest-free\">Is Vidya Lakshmi loan Interest Free?<\/span><\/h2>\n\n\n\n<p>No, an interest-free loan is not available under any of the loan schemes available on Vidya Lakshmi Portal. There are around 44 banks registered with the portal that provide 138 loan schemes. But, all of these loan schemes come with an interest rate. A student can explore different banks\u2019 interest rates and choose the one that is the lowest and also suits their requirements.<\/p>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong>If you are thinking about applying for an education loan on the Vidya Lakshmi Portal then you must read our blog: <\/strong><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? Know All About It Here!<\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-can-you-find-out-interest-rates-on-the-vidya-lakshmi-portal\"><span id=\"how-can-you-find-out-interest-rates-on-the-vidya-lakshmi-portal\">How Can You Find Out Interest Rates on the Vidya Lakshmi Portal?<\/span><\/h2>\n\n\n\n<p>It is very simple to know about interest rates available under various loan schemes.<\/p>\n\n\n\n<p>All you need to do is log in to the platform and click on the option \u2018Search &amp; Apply for Loan Scheme\u2019 that is available on the bottom left of the homepage.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-us.googleusercontent.com\/-N_yh9pXf-c9bF3E3I3pKGbslI_xgcqbB9K0LWUxGcYmRU2VIaF74GWYw6KL2f450oSMhHmPBQFkt6IU7V2aTHQYusng9_VSnYw-s__RRvfHMWtgP3LsOdll31MtCphSdCh9cdO8sdEQHbTrrNtVuMw\" alt=\"\"\/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-choosing-a-bank-and-loan-scheme\"><span id=\"choosing-a-bank-and-loan-scheme\">Choosing a Bank and Loan Scheme<\/span><\/h3>\n\n\n\n<p>After clicking on \u2018Search &amp; Apply for Loan Scheme\u2019, a list of banks will be displayed like this:<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-us.googleusercontent.com\/q7QC_wIH_7Ikp1MfmTi1vRT6H5Lzo5-8pHs5v44_1snrIenAI9ot7-m5LV1GFJs9efLWXrivLj1hGq4j9gjkamvYDDOUKdKt6kKWMrh_F62WNQlMkZ0agAucONx3bGJ1eAuCHcndcYyFKDsZcgGqQPk\" alt=\"\"\/><\/figure>\n\n\n\n<p>You can explore different schemes of a bank by clicking on it. Let\u2019s say you choose Axis Bank\u2019s \u2018Axis Bank Education Loan Scheme\u2019, when you click on it, you\u2019ll get all the details related to this scheme including interest rates. The image below shows the interest rate under this loan scheme for different brackets. Similarly, you can see the details of other schemes offered by different banks.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-us.googleusercontent.com\/qtFGmkYa6vQYQJrEQ9uqy8gJixlllj-rVVQykKKUu1DF6atN03DYA1D7O4AY05uyq-moSX9YXFxlKoHROZBw-lYH_yK113Y28MTcQSs5xt-sbLeomn-aXjdK5wKrLHMzBZTZ4AQ4Bw-0wWA9pxlJSkM\" alt=\"\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-things-to-keep-in-mind-while-choosing-a-bank\"><span id=\"things-to-keep-in-mind-while-choosing-a-bank\">Things to Keep in Mind While Choosing a Bank<\/span><\/h2>\n\n\n\n<p>Choosing a bank and the loan scheme is very important and you need to keep a few things in mind while making this decision:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Before filling in the the Common Education Loan Application Form (CELAF), you must decide on the bank and the scheme that you want to apply for as these details will be asked in your application form.<\/li>\n\n\n\n<li>Choose a scheme as per your requirements, for example, if you want to study abroad then you\u2019ll have to choose schemes that are available for studies abroad and not for studies in India. All these details are provided under the details of the schemes.<\/li>\n\n\n\n<li>You can choose a maximum of 3 banks in your CELAF and not more than that. So, make sure you explore different schemes and interest rates offered under each scheme and then apply for the same in your application form.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong>If you want to know about the eligibility criteria for applying for an education loan through the Vidya Lakshmi Portal then you must read<\/strong><strong><em> <\/em><\/strong><a href=\"https:\/\/fly.finance\/blog\/education-loan\/vidya-lakshmi-portal-education-loan-eigibility-criteria\/\"><strong>Vidya Lakshmi Portal Education Loan: Eligibility Criteria<\/strong><\/a>.<\/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-1698393483974\"><strong class=\"schema-faq-question\">Are interest-free loans available through the Vidya Lakshmi Portal?<\/strong> <p class=\"schema-faq-answer\">No, an interest-free loan is not available under any of the loan schemes available on this platform.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1698393493367\"><strong class=\"schema-faq-question\">How many banks can I apply to through the Vidya Lakshmi Portal?<\/strong> <p class=\"schema-faq-answer\">You can apply to a maximum of three Banks through the Vidya Lakshmi portal using CELAF.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1698393494064\"><strong class=\"schema-faq-question\">Are the details about interest rates available on the Vidya Lakshmi Portal?<\/strong> <p class=\"schema-faq-answer\">Yes, the details about interest rates are available on the Vidya Lakshmi Portal. All you need to do is log in to the platform and click on the option \u2018Search &amp; Apply for Loan Scheme\u2019 that is available on the bottom left of the page. By clicking on it, you\u2019ll get the details of loan schemes offered by various banks.<\/p> <\/div> <\/div>\n\n\n\n<p>In this blog, we answered a common question asked by students &#8220;Is vidya lakshmi interest free?&#8221; To know more about the Vidya Lakshmi Portal 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 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>More About the Vidya Lakshmi Portal:<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/education-loan\/vidya-lakshmi-portal-documents-required\/\"><strong>Vidya Lakshmi Portal Documents Required: Check Complete List<\/strong><\/a><\/td><\/tr><tr><td><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><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/education-loan\/features-of-vidya-lakshmi-portal\/\"><strong>What Are the Features of 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\" 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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>Is Vidya Lakshmi interest free: Vidya Lakshmi Portal is a platform that makes it easier for students to take education loans. A list of banks is available on the platform along with different loan schemes from which students can opt for the one which is most suitable for them. Interest rates are one of the &#8230; <a title=\"Can You Get Interest-Free Education Loans Through the Vidya Lakshmi Portal?\" class=\"read-more\" href=\"https:\/\/fly.finance\/blog\/education-loan\/is-vidya-lakshmi-interest-free\/\" aria-label=\"Read more about Can You Get Interest-Free Education Loans Through the Vidya Lakshmi Portal?\">Read more<\/a><\/p>\n","protected":false},"author":26,"featured_media":7984,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21],"tags":[],"class_list":["post-7963","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>Can You Get Interest-Free Education Loans Through the Vidya Lakshmi Portal?<\/title>\n<meta name=\"description\" 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interest-free loans available through the Vidya Lakshmi Portal?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"No, an interest-free loan is not available under any of the loan schemes available on this platform.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/is-vidya-lakshmi-interest-free\/#faq-question-1698393493367","position":2,"url":"https:\/\/fly.finance\/blog\/education-loan\/is-vidya-lakshmi-interest-free\/#faq-question-1698393493367","name":"How many banks can I apply to through the Vidya Lakshmi Portal?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"You can apply to a maximum of three Banks through the Vidya Lakshmi portal using CELAF.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/is-vidya-lakshmi-interest-free\/#faq-question-1698393494064","position":3,"url":"https:\/\/fly.finance\/blog\/education-loan\/is-vidya-lakshmi-interest-free\/#faq-question-1698393494064","name":"Are the details about interest rates available on the Vidya Lakshmi Portal?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes, the details about interest rates are available on the Vidya Lakshmi Portal. All you need to do is log in to the platform and click on the option \u2018Search &amp; Apply for Loan Scheme\u2019 that is available on the bottom left of the page. By clicking on it, you\u2019ll get the details of loan schemes offered by various banks.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/7963","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\/26"}],"replies":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/comments?post=7963"}],"version-history":[{"count":7,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/7963\/revisions"}],"predecessor-version":[{"id":12170,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/7963\/revisions\/12170"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/media\/7984"}],"wp:attachment":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/media?parent=7963"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/categories?post=7963"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/tags?post=7963"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}