Yojana mein kya milta hai
PM Vidyalaxmi ko Union Cabinet ne manzoori di aur yeh 6 November 2024 ko shuru hui. Jo students merit par kisi covered Quality Higher Education Institution (QHEI) mein admission lete hain, woh fees aur padhaai ke doosre kharch ke liye bank se education loan le sakte hain:
- Koi collateral nahi aur koi guarantor nahi
- ₹7.5 lakh tak ke loan par sarkar ki 75% credit guarantee, taaki bank loan dene ko taiyaar rahein
- Saalana ₹8 lakh tak income wale parivaaron ko ₹10 lakh tak ke loan par moratorium ke dauran 3% interest subvention
- ₹4.5 lakh tak saalana income wale parivaaron ke students ko purani scheme mein poori interest subvention milti rahegi
Kaun-se institutions cover hain
National Institutional Ranking Framework (NIRF) mein upar ki rank wale sarkari aur private institutions, jaisa portal par diya hai. Hamari aakhri jaanch mein 1,400 se zyada institutions cover the. Management ya NRI quota se admission par fayda nahi milta.
Kise nahi milega
- Jinhe pehle se koi doosri sarkari scholarship ya interest subvention mil rahi ho
- Jo discipline ya padhaai ki wajah se course chhod dein (medical wajah se, proof ke saath, chhodna maanya hai)
Apply kaise karein
- PM-Vidyalaxmi portal par register karein aur ek common application bharein.
- Teen bank tak chunein; portal par unke loan dikhte hain.
- Portal par application ka status dekhein. Interest subvention ka claim bhi isi se hota hai.
Interest rate
Rate scheme nahi, har bank tay karta hai, isliye chunne se pehle portal par banks ke offers compare karein.
Vidyalaxmi ke alawa
Agar aapka institution cover nahi hai ya zyada amount chahiye, to banks ke apne education loans agla option hain. Laptop ya deposit jaisi chhoti zarooraton ke liye personal loan bhi ek raasta hai, jiski apni cost hoti hai.
Oxon Fintech koi sarkari agency nahi hai aur is yojana ki applications nahi leta. Official portal ya bank branch par hi apply karein, aur yojana ka loan pass karaane ke naam par paise maangne walon se savdhaan rahein. Yojana ke rules badalte rehte hain; apply karne se pehle official site dekhein.