PM Vidyalaxmi Yojana: Bina guarantee ke Education Loan, saath mein 3% byaj chhoot!
Yojana kya hai?
PM Vidyalaxmi Kendra Sarkar ki ek education loan yojana hai. Iske tahat eligible Quality Higher Education Institutions (QHEIs) mein merit ke aadhar par admission lene wale students collateral-free aur third-party guarantor-free education loan ke liye apply kar sakte hain.
Loan mein college fees, hostel, kitaabein aur zaroori laptop jaise approved education expenses shamil ho sakte hain. Loan ki rakam aur approval bank ke assessment par nirbhar karte hain.
Jin eligible students ke parivaar ki saalana aay ₹8 lakh tak hai, unhe ₹10 lakh tak ke education loan par moratorium period ke dauran 3% interest subsidy mil sakti hai, scheme ki sharton ke anusaar. Yeh subsidy sabhi students ko automatic nahi milti.
Loan kab milega? Kaun le sakta hai?
– Admission merit se hona chahiye (Management ya NRI quota wale nahi).
– PM Vidyalaxmi Yojana ke tahat eligible students ko collateral aur third-party guarantor ke bina education loan ke liye apply karne ki suvidha hai. ₹7.5 lakh tak ke eligible loan par sarkar lending bank ko 75% credit guarantee cover deti hai. Yeh guarantee student ko milne wali cash assistance nahi hai. Loan ki manzoori bank ke assessment aur scheme ke niyamon par nirbhar karti hai.
– Parivar ki saalana aay ₹8 lakh tak ho to ₹10 lakh tak ke loan par moratorium period mein 3% byaj chhoot milti hai.
-Jin students ke parivaar ki saalana aay ₹4.5 lakh tak hai, unhe Central Sector Interest Subsidy (CSIS) scheme ke tahat moratorium period mein poori interest subsidy mil sakti hai, agar ve CSIS ki sabhi eligibility shartein poori karte hain. Ismein eligible course aur institution, income criteria aur anya scheme conditions shamil hain. Yeh benefit automatic nahi milta aur applicable government guidelines ke anusaar diya jaata hai.
– Bank verification ke baad loan sanction hota hai.
Status kaise check karein?
PM Vidyalaxmi Official Application Portal:
Eligible students is portal par education loan ke liye registration aur application kar sakte hain. Application submit karne ke baad login karke apne loan application ka status check kar sakte hain. Portal par diye gaye latest instructions follow karein.
1. pmvidyalaxmi.co.in par jaayein → Login → Student Login → “Create an Account” se register karein.
2. “Apply for Education Loan” par click karke Common Education Loan Application Form bharein aur documents upload karein.
3. Apni pasand ke 3 bank tak chunein aur “Final Submit” karein — Application ID note kar lein.
4. Status ke liye “Track Loan Application” → “Get Loan Status” mein apna Application ID chunein.
Important Note: PM Vidyalaxmi portal par registration, bank selection aur application tracking ke options samay ke saath badal sakte hain. Students ko official portal par diye gaye latest instructions follow karne chahiye. Application submit karne se education loan ki approval guarantee nahi hoti. Loan sanction bank ki verification aur eligibility assessment par nirbhar karta hai.
Offline madad: apne college ke financial aid / scholarship cell, najdeeki bank branch ya CSC se madad lein.
Documents: Aadhaar aur PAN (student + parent), admission letter, fee structure, 10th/12th marksheet, income certificate.
Conclusion
Paise ki kami se kisi hoshiyar bachche ki padhai nahi rukni chahiye. Aapke ghar ya gaon mein koi student achhe college mein ja raha hai, to use zaroor batayein aur yeh post share karein.
Har sarkari yojana ki poori jaankari ke liye visit karein:
https://www.myyojanamitra.com
📲 WhatsApp Channel follow karein:
https://whatsapp.com/channel/0029Vb8y6qd7tkjCGIR5Ix1P
#PMVidyalaxmi #EducationLoan #SarkariYojana #MyYojanaMitra #PMOffice #be10x #AcTechGlobal #AcTech1985Elitespo #ALFACommunity
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