Vidya Lakshmi Website : Search & Apply for Education Loans / Govt Scholarships

Vidya Lakshmi (, a web-based portal has been launched by the Union Government on the occasion of Independence Day i.e. 15th August, 2015 for the benefit of  students seeking Educational Loans.

Vidya Lakshmi Portal is a first of its kind website providing single window for Students to access information and also make application for Educational Loans provided by Banks. It also provides a link to National Scholarship Portal  wherein students can apply for various Government Scholarships.

The Portal has been developed and maintained by NSDL e-Governance Infrastructure Limited (NSDL e-Gov) under the guidance of Department of Financial Services, Ministry of Finance, Department of Higher Education, Ministry of Human Resource Development and Indian Banks’ Association (IBA).

Features of Vidya Lakshmi PortalVidya Lakshmi Portal Logo

The Portal has the following features:

  • Information about Educational Loan Schemes offered by the registered Banks.
  • Common Educational Loan Application Form (CELAF) for Students.
  • Facility to apply to multiple Banks for Educational Loans.
  • Facility for Banks to download Students’ Loan Applications.
  • Facility for Banks to upload loan processing status.
  • Facility for Students to email grievances/queries relating to Educational Loans to Banks.
  • Dashboard facility for Students to view status of their loan application and
  • Linkage to National Scholarship Portal for information and application for Government Scholarships.

FAQs on Vidya Lakshmi website

  • How to register on Vidya Lakshmi Portal? 
  • How to apply for Educational loan through Vidya Lakshmi?
    • Login with you User Id & password
    • Fill-up the Common Education Loan Application Form (CELAF) by providing all the necessary details. This is a one-time procedure.
    • After completing and submitting the Loan Application Form, you can ‘Search’ for ‘Educational Loan Schemes’ offered by Banks that are registered on Vidyalakshmi portal.Vidya Lakshmi Portal search educational loan schemes
  • What is Common Educational Loan Application Form (CELAF)?
    • The Common Educational Loan Application Form is the single form which students can fill to apply for Educational Loan to multiple banks / schemes. CELAF is the application form prescribed by Indian Banks Association (IBA) and accepted by all banks.
  • How to check or track the status of my Educational Loan?
    • Login to website.
    • Click on ‘Application Status‘ to check your loan status.
    • The respective Bank will update the status of the application on Vidya Lakshmi portal.
  • What should I do if my Loan is rejected?
    • You may not be eligible as per the norms laid down by the selected banks. You can contact the selected banks for more details.
  • What is ‘On Hold’ Loan Status?
    • The Bank can mark your loan application status as ‘On hold‘ when the bank requires some further information or documents to be submitted by the you (student/applicant). (The requirement will be indicated in the ‘Remarks column’ and you can check the same in the dashboard)
  • Which are the banks that I can apply for Educational loan through Vidya Lakshmi portal?
    • As of now 13 banks are registered, namely – State Bank of India (SBI), IDBI Bank, Canara Bank, Union Bank, Bank of India, Vijaya Bank, Central Bank of India, Corporation Bank, Dena Bank, Kotak Bank, Oriental Bank of Commerce and Punjab National Bank. These banks are offering around 22 Educational Loan Schemes. This initiative of the Govt aims to bring on board all Banks which are providing various Educational Loans Schemes.
  •  How many applications for an Educational Loan can be submitted by a student?
    • A student can apply to a maximum of three Banks through Vidya Lakshmi portal using CELAF.
  • How is the money/educational loan disbursed?
    • Approved Educational Loan of an applicant will be disbursed directly by the bank outside the Vidya Lakshmi Portal. You may have to contact the respective bank for more details. 
  • What is rate of interest for the Educational loan?
    • The interest rate varies from bank to bank and scheme to scheme. You can check the loan details on ‘Loan Search’ page itself.

What is National Scholarships Portal all about?

Government has also launched a website – is a one-stop solution through which various services starting from student application, application receipt, processing, sanction and disbursal of various scholarships provided by the GOI (Governemnt of India) to Students are enabled.

Benefits of National Scholarships portal are as below;

  • One-time registration.
  • Common Application form for all scholarships.
  • Based on eligibility criteria, system itself suggests the schemes for which a student is eligible.
  • Elimination of duplicate scholarship applications.
  • Release of scholarship amount directly to bank accounts of students through DBT (Direct Benefit Transfer).

(Image courtesy of ddpavumba at

(References :, &

  • Anchal singh says:

    If my father has not three year regular ITR then my education loan will not sanction?

  • sameenasyeeda says:

    This is a very gud site
    I completed my PUC in 2015-16
    I want to do my MBBS in abroad
    I need loan from vidyalaxhmi loan of narendra modi
    In hw many days i shall get it n documents fr it
    Plzzzz rply as early as possible

  • Dr Grace Jithin says:

    Dear Sir,
    I have completed my studies in Naturopathic medicine(BNYS), I would like to pursue higher studies in PG Diploma in New Zealand,I have applied for admission at Toi-Ohomai University.I would like to know if there are any scholarships or grants suitable for me.I am a Gold medallist from my college,Am also a University rank holder.Kindly guide me.

  • suraj das says:

    D.R prime minister of India Shri. Narendra modi I requested I m apply education loan but bank is not giving me loan so sir I m so poor so problem n my family situation so bed my father is auto driver so sir plz give me loan sir I will study n sir higher secondary percentage 80+ jee entrance is already passed but I m not selected so plz give me loan sir I m suraj dad from Dimapur Nagaland thank u pm sir

  • KJ says:


  • sri says:

    i want to know either this scheme provides education loan without any property or not.?

    • RM Chinnaswami says:

      If you are applying for an educational loan below the amount of 4 lakhs, then there is no security required. However, every bank has its own terms and conditions for the loan schemes that it provides. You can check with the bank that you have applied to for a loan above 5 lakhs.

  • Raveendra Bhat says:

    this portal is utter waste

  • Nabakanta Patiri says:

    Sir I have lost my password… How can find my password…. Please kindly inform me. Thanks

  • meena says:

    l submitted education loan on may 12 in 2016 but they are no approval and changes occur in loan status what can i do…??

  • Navinkumar says:

    sir please suggest me how to register its not accepting mail ID and password……..


    Dear sir/mem.
    ..i have all most registration completely but I have no knowledge for from no. 16 so.. Please give me advice about form no. 16… Thank you….

  • saleem says:

    my mob no. 9812268546

  • saleem says:

    dear sir good morning .i apple the application form in vidya laxmi portal . the orintal bank are selected by me in detail .after some time they call me and say that you come in bank with your document .when i go to bank then they ask me my village .then they say that your village are not come under our bank so you contact with other bank .when i go to pnb bank for loan they say i not give loan to you .so please give me solution thanks

  • Rony says:

    Sir,I have gone through the vidya lakshmi portal and register for it but the problem is that,I have not understood the form filling details like merit and management quota,bank details,income from all source,cost of course like term fees, tuition fees etc,for first, second and third year,and upload documents-like proof of admissions etc.So in this I want to know that whether one should have personal bank account and I seeking loan for software engineering courses from st angelos institute institute and fees is total 170000 for full three year that is a degree course so I don’t have information like term and tuition what should I do and in which section should I apply means in professional course or vocational course.Thanxxx

  • n.prasad says:

    good morning sir i am woring disable and poor familys one girl studies in hyderabad mentally retarted trining (special education} vry foor pl send applicition and guildlines thank you sir

  • aakash says:

    Sir I am B.E.regular student 2nd year category general which scholarship I eligible please

  • jaya says:

    I completed my and willing to do MS, I need loan for further family annual income is 120000/-rupees.
    I’m I eligible to get loan,kindly explain me details of required documents.

    • Dear Jaya,
      Kindly visit the vidyalakshmi site & national scholarship portal to check about various loan schemes offered by various banks and govt scholarships. All the best!

  • Roli dwivedi says:

    sir :plz tell me how find the scholarship

  • V.LATHASHREE says:

    Dear Sreekanth,

    Is it mandatory for me to construct a house only with my capital gain amount within three years.

  • prabakaran says:


    • Dear prabakaran,
      ITR is your Income Tax Return. Banks generally ask for ITRs to know your eligibility level.
      Are you planning to apply for an Educational loan or business loan?

      • umesh kumar says:

        SBI asked me for income proof but my father has shop which is not registred but they file ITR even they reject my application. What to do sir ??

  • Padmanabh says:

    please inform the procedure and terms for availing National Scholarship, as the website / portal is not found to be accesible.

  • Padmanabh says:

    website of scholarship is not available. My Grandson has been studying for telecommunications qualifications at Symbiosis University, Lavale, near Pune in Maharashtra. Is the Scholarship available for students of Government Educational Institute or for students of Private Institute also? Please inform about the procedure and terms for scholarship.

  • nasreen bano says:

    sir i belong to middleclass family.i am a graduate. in graduation i have got only 51% plz tell me how much percentage are require to take this loan for their study

  • Dinesh kumar says:

    sir i am from in the poor faimily.l will l need of the money.


    Resp. sir

    Kindly let me know what is the rate of Interest on Vidya laxmi Loan. I require for my Son’s Education.

  • Aarti says:

    M CA karna chahti hu us k liya he mujhe ye schloship chayai meri family ke condition thik nahi h jo mujhe CA karva paye. THANKS

  • ram chavan says:

    sir, please sir details of education loan about me . i need this education loan

  • ishwar joshi says:

    education lon

  • rajendra says:


  • Yashita kesarwani says:

    Am preparing UPSC so I want this lone can I take it …..
    because my finecil setuation is not very well……

  • santosh kumar says:

    very good e-mail is the student

  • geeta.B says:

    now nobady need to get worried about their higher education,becoz vidyalaxmi schme is here,just chill it and take advantage

  • Anita Sorganvi says:

    Will you give loan to CA students becouse I am also a student of CA and I have finance problems so please help us.

    • Dear Anita,
      We neither offer loans nor are associated with any financial associations. Kindly go through the education loan offers on vidyalakshmi portal. All the very best.

    • Navinkumar says:

      hai sir gm am Navinkumar am registering but there one notification is coming about email and id so kind tel me which email i should add ……plz help me

  • ankith says:

    iam in hyderabad vidaylakshmi its verry verry help students thnks modi ji

  • sahil sahir says:

    Wow I am surprise for this website

  • Faizan Alam says:

    vidyalaksmi yojna is a very helpful in students of indian.sir/mam, my qureies iam a class 3 standard student so please sir details of education loan about me…

  • Savrez ahmad says:

    This is very good website
    I’m intresed.

  • sundar lal says:

    please sir details of education loan about me

  • bhupendra sahu says:

    vidyalaksmi yojna is a very helpful in students of indian

  • Jeetesh kumar says:

    I am very happy for this site

  • Sanyam says:

    I think by the end of the first session of Modi Government, India would become totally digital no more paperwork or standing in queue. Hats off to Modi.

  • mahalingappa T says:

    Good thought

  • ashwani sharma says:

    I am very happy to look this site thanks for you

  • ranjeet verma says:

    very god site

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