{"id":109008,"date":"2025-07-29T11:55:52","date_gmt":"2025-07-29T11:55:52","guid":{"rendered":"https:\/\/www.krmangalam.edu.in\/blog\/?p=109008"},"modified":"2025-07-30T09:32:09","modified_gmt":"2025-07-30T09:32:09","slug":"vidyalakshmi-education-loan","status":"publish","type":"post","link":"https:\/\/wp.krmangalam.edu.in\/blog\/vidyalakshmi-education-loan\/","title":{"rendered":"PM-Vidyalakshmi Education Loan and Financial Aid at KRMU"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">For many students and families, the cost of higher education can be a significant challenge, often standing in the way of academic and career aspirations. At K.R. Mangalam University (KRMU), we believe that financial constraints should never be a barrier to quality education and they should never limit a student\u2019s potential. That\u2019s why the university offers a wide range of financial assistance options, including scholarships, education loans, and flexible payment plans, ensuring that every deserving student can access quality education without financial stress.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">K.R. Mangalam University wholeheartedly welcomes the Government of India\u2019s <strong><a href=\"https:\/\/www.vidyalakshmi.co.in\/\" target=\"_blank\" rel=\"noopener\">PM Vidyalakshmi Scheme<\/a><\/strong>, in alignment with the National Education Policy (NEP 2020), which plays an important role in providing financial support to meritorious students.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">KRMU offers admissions while actively supporting students throughout their academic journey. Our Financial Assistance Cell provides students with comprehensive information about education loans, including the PM Vidya Lakshmi education loan scheme options. Our counselling team provides students with the necessary documents and application process guidance while establishing connections with our partner banks and NBFCs to ensure accessible financial support. Our mission is to eliminate financial barriers that prevent talented and deserving students from accessing the quality education they deserve.<\/span><\/p>\n<h2>What is the PM Vidyalakshmi Education Loan Scheme?<\/h2>\n<p><span style=\"font-weight: 400;\">On 6th November 2024, the Union Government approved the \u201cPradhan Mantri Vidyalaxmi\u201d, a Central Sector Scheme to support the meritorious students financially so that no financial issues can stop them from pursuing higher education in India.\u00a0<\/span><\/p>\n<h3>Key features of the PM Vidyalaxmi Scheme<\/h3>\n<p><span style=\"font-weight: 400;\">The PM Vidyalakshmi scheme details are as follows:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">To avail this loan, there is no need for collateral or a guarantor.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The application process is simple, easy to understand, and completely digital.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">3% interest subvention during moratorium to 1 lakh students with family income up to Rs 8 Lakh.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Full interest subvention during moratorium for loans up to Rs. 10 Lakh for students with family income up to Rs 4.50 Lakh.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Loan amounts up to \u20b9 7.5 lakhs will be provided with a 75% credit guarantee by the Government of India through NCGTC.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Education\u2009Loans under Management Quota are not Eligible.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The Scheme\u2009is applicable for\u2009all Scheduled Banks\/Regional\u2009Rural Banks (RRBs)\/Cooperative Banks.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">At K.R. Mangalam University, the PM Vidya Lakshmi Education Loan Yojna makes it easier for students to pursue higher education without worrying about finances. This means our students can focus on learning and building their future without the stress of upfront fees or complicated paperwork.<\/span><\/p>\n<h2>How to Apply for the PM Vidyalakshmi Scheme?<\/h2>\n<p><span style=\"font-weight: 400;\">The application process for the PM Vidyalakshmi education loan is as follows:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Register on the PM-Vidyalaxmi portal and provide essential details as mentioned in the registration form. You can access the portal <\/span><a href=\"https:\/\/pmvidyalaxmi.co.in\/Index.aspx?csrt=13113410308789746311\"><span style=\"font-weight: 400;\">here<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The students have to fill out the Common Education Loan application form. Once the form is filled, the applicant can apply as per his needs, eligibility and convenience.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The applicant can now submit the documents to the selected banks.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The Bank will update the status of the application on the PM-Vidyalaxmi portal. Students can view the status of the application on the applicant&#8217;s dashboard on the portal.<\/span><\/li>\n<\/ol>\n<h2>Documents Needed for the PM-Vidyalaxmi Education Loan<\/h2>\n<p><span style=\"font-weight: 400;\">The following documents are needed for the PM Vidyalakshmi Education Loan: \u200b<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Marksheet for Class X<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Marksheet for Class XII \/Last qualifying Examination<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Proof of admission to the course<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Schedule of Expenses for the course as given by the institution<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Proof of income issued by a public authority\/ College authority<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Applicants \/Parents&#8217; photograph<\/span><\/li>\n<\/ul>\n<h2>At KRMU, Your Education is Backed by Leading Banks, NBFCs and Scholarships<\/h2>\n<p><span style=\"font-weight: 400;\">At K.R. Mangalam University, we are committed to making quality education accessible to all. To support our students financially, we have partnered with leading banks like<\/span><b> ICICI Bank, IDFC First Bank, and Axis Bank<\/b><span style=\"font-weight: 400;\"> to offer easy education loan options. Additionally, we collaborate with trusted NBFCs such as <\/span><b>Propelled, Kuhoo, GrayQuest, and Finz<\/b><span style=\"font-weight: 400;\"> to provide flexible financing solutions. These partnerships ensure that students can choose from a range of loan plans tailored to their needs, making higher education more affordable and stress-free.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For further details, you can visit our page <\/span><a href=\"https:\/\/www.krmangalam.edu.in\/financial-assistance\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">here<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3>Scholarships at K.R. Mangalam University<\/h3>\n<p><span style=\"font-weight: 400;\">K.R. Mangalam University provides\u2009various scholarships\u2009to deserving and eligible students. Following are the KRMU scholarships:\u00a0<\/span><\/p>\n<h4>Merit-Based Scholarships<\/h4>\n<p><span style=\"font-weight: 400;\">The university offers\u2009100% scholarships to\u2009students who achieve\u200990% or higher marks\u2009in their Class XII exams.\u2009Students who achieve 85% to less than 90% in their Class XII exams receive 35% scholarship benefits, which they can receive in two semesters. Students\u2009who achieve 80% to less than 85% in\u2009their Class XII\u2009exams receive 25%\u2009scholarship benefits, which they can receive\u2009in two semesters.<\/span><\/p>\n<h4>Special\u2009Category Scholarships<\/h4>\n<p><span style=\"font-weight: 400;\">The university offers specific scholarships to support diversity initiatives and promote inclusivity. These\u2009include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The Shero Scholarship\u2009provides a 10% discount to female students\u2009who achieved 70%\u2009or higher in\u2009their Class XII exams.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The scholarship provides a 15% reduction for students who have siblings enrolled at the institution (excluding the first child\u2009).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The scholarship provides a 15% discount to K.R. Mangalam School alumni who enrol in another undergraduate course at KRMU.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The\u2009scholarship provides a\u200915% discount to\u2009children of defence personnel\u2009and KRMU staff members.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sports Scholarships: The university supports athletic excellence by providing full scholarships to students who have represented India in major international competitions.\u2009The scholarship amounts for national and state-level achievers range from 10% to 75% based on their performance and competition level.<\/span><\/li>\n<\/ul>\n<h4>Entrance Exam-Based Scholarships<\/h4>\n<p><span style=\"font-weight: 400;\">KRMU provides financial\u2009rewards to students\u2009who achieve high\u2009scores in their entrance\u2009exams.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">CUET: Up to 100% based on subject scores or percentiles<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">JEE (Main): Up to 100% for 95+ percentile<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">CLAT: Scholarships up to 100% for ranks up to 10,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">NATA &amp; NCHMCT: Scholarships up to 100% based on scores\/ranks<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The diverse<strong><a href=\"https:\/\/www.krmangalam.edu.in\/admission\/scholarship\/\" target=\"_blank\" rel=\"noopener\"> scholarship options\u2009at K.R. Mangalam University<\/a><\/strong> help\u2009students overcome financial\u2009obstacles to reach\u2009their full potential.<\/span><\/p>\n<h3 style=\"text-align: center;\"><b>Scholarship Categories and Benefits<\/b><\/h3>\n<div class=\"table-responsive\">\n<table class=\"program-syllabus\">\n<thead>\n<tr>\n<th>Category<\/th>\n<th>Eligibility Criteria<\/th>\n<th>Scholarship Benefit<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td rowspan=\"3\">Merit-Based Scholarships<\/td>\n<td>Class XII \u2013 90% or more marks<\/td>\n<td>100%<\/td>\n<\/tr>\n<tr>\n<td>Class XII \u2013 85% to less than 90% marks<\/td>\n<td>35%<\/td>\n<\/tr>\n<tr>\n<td>Class XII \u2013 80% to less than 85% marks<\/td>\n<td>25%<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"4\">Special Category Scholarships<\/td>\n<td>Female students with 70% or more marks in Class XII<\/td>\n<td>10%<\/td>\n<\/tr>\n<tr>\n<td>Siblings of current KRMU students (excluding first child)<\/td>\n<td>15%<\/td>\n<\/tr>\n<tr>\n<td>K.R. Mangalam School alumni enrolling in UG courses<\/td>\n<td>15%<\/td>\n<\/tr>\n<tr>\n<td>Children of defence personnel and KRMU staff members<\/td>\n<td>15%<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"2\">Sports Scholarships<\/td>\n<td>Represented India in major international competitions<\/td>\n<td>100%<\/td>\n<\/tr>\n<tr>\n<td>National and state-level achievers (based on performance &amp; level)<\/td>\n<td>10% to 75%<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"4\">Entrance Exam-Based Scholarships<\/td>\n<td>CUET \u2013 High subject scores or percentiles<\/td>\n<td>Up to 100%<\/td>\n<\/tr>\n<tr>\n<td>JEE (Main) \u2013 95+ percentile<\/td>\n<td>Up to 100%<\/td>\n<\/tr>\n<tr>\n<td>CLAT \u2013 Rank up to 10,000<\/td>\n<td>Up to 100%<\/td>\n<\/tr>\n<tr>\n<td>NATA &amp; NCHMCT \u2013 Based on scores\/ranks<\/td>\n<td>Up to 100%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p><b>Please Note:<\/b><span style=\"font-weight: 400;\"> The ab<\/span><span style=\"font-weight: 400;\">ove scholarship is applicable only on the first year Programme fee.<\/span><\/p>\n<h2>Admission Process at KRMU<\/h2>\n<p><span style=\"font-weight: 400;\">To get admission at K.R. Mangalam University, you need to follow the following six easy steps:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Visit the link\u00a0 https:\/\/admissions.krmangalam.edu.in\/\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fill out the application form and pay the required form fee\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Take the entrance exam (KREE)\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Attend the faculty-led interview\u00a0\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">After a successful interview, you\u2019ll receive the admission offer letter on your registered mail ID\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Get enrolled\u00a0\u00a0\u00a0<\/span><\/li>\n<\/ul>\n<h2>Conclusion<\/h2>\n<p><span style=\"font-weight: 400;\">K.R. Mangalam University truly believes that money should never come in the way of someone\u2019s education. Every student deserves a fair shot at chasing their dreams, and we make that happen. Whether it\u2019s through scholarships, flexible payment plans, or easy education loans with our trusted partners, we\u2019re committed to supporting you every step of the way. Because when it comes to learning, we believe the only thing that should matter is your passion and not your bank balance.<\/span><br \/>\n<div class=\"faq-wrapper\">\n    <h2 class=\"faq-heading\">FAQs<\/h2>\n    <!--<div class=\"faq-underline\"><\/div>-->\n\n            <p class=\"faq-intro\">Here are some of the Frequently Asked Questions and Answers are as follows:<\/p>\n    \n            <div class=\"faq-card\">\n            <h3 class=\"faq-question text-blue-600 mb-2\">What format should documents be uploaded in for the PM-Vidyalakshmi Education Loan scheme?\u00a0<\/h3>\n            <p class=\"faq-answer\">The documents should be uploaded in PDF and JPEG format with a file size of max 200 KB.<\/p>\n        <\/div>\n            <div class=\"faq-card\">\n            <h3 class=\"faq-question text-blue-600 mb-2\">Can a student submit multiple applications for an educational loan?<\/h3>\n            <p class=\"faq-answer\">For an education loan, a student can apply to a maximum of three banks.\u00a0<\/p>\n        <\/div>\n            <div class=\"faq-card\">\n            <h3 class=\"faq-question text-blue-600 mb-2\">Can K.R. Mangalam University assist in getting the PM Vidyalakshmi education loan?<\/h3>\n            <p class=\"faq-answer\">While the university itself does not sanction the loan, it can assist in the following ways:\r\n\r\nGuidance in Application Process\r\nProviding Required Documentation\r\nCoordination with Partner Banks<\/p>\n        <\/div>\n            <div class=\"faq-card\">\n            <h3 class=\"faq-question text-blue-600 mb-2\">What is the rate of interest charged on an educational loan?<\/h3>\n            <p class=\"faq-answer\">Individual banks charge different rates of interest. Hence, students are advised to check the latest rate of interest on the respective bank&#039;s website.<\/p>\n        <\/div>\n            <div class=\"faq-card\">\n            <h3 class=\"faq-question text-blue-600 mb-2\">What is the maximum scholarship a student can get at KRMU?\u00a0<\/h3>\n            <p class=\"faq-answer\">The maximum scholarship a student can get at K.R. Mangalam University is 100% tuition fee waiver, based on academic merit or exceptional sports achievements.<\/p>\n        <\/div>\n    <\/div>\n\n<style>\n    .faq-wrapper {\n        margin-top: 50px;\n    }\n\n    .faq-heading {\n        font-size: 24px;\n        font-weight: bold;\n        color: #d70000;\n        margin-bottom: 0;\n    }\n\n    .faq-underline {\n        width: 40px;\n        height: 4px;\n        background: linear-gradient(to right, #d70000, #2246f3);\n        margin-top: 4px;\n        margin-bottom: 20px;\n    }\n\n    .faq-intro {\n        margin-bottom: 20px;\n        color: #333;\n        line-height: 1.6;\n    }\n\n    .faq-card {\n        background: #ffffff;\n        border: 1px solid #e2e8f0;\n        border-radius: 12px;\n        padding: 20px;\n        margin-bottom: 15px;\n        transition: all 0.3s ease;\n    }\n\n    .faq-card:hover {\n        box-shadow: 0 8px 24px rgba(0, 0, 0, 0.08);\n        background: #ffffff;\n    }\n\n    .faq-question {\n        color: #2246f3 !important;\n        font-weight: 600 !important;\n        font-size: 16px !important;\n        margin-bottom: 8px;\n    }\n\n    .faq-answer {\n        margin: 0 !important;\n        color: #222 !important;\n        line-height: 1.6 !important;\n        font-size: 15px !important;\n    }\n<\/style>\n\n<\/p>\n","protected":false},"excerpt":{"rendered":"<p>For many students and families, the cost of higher education [&hellip;]<\/p>\n","protected":false},"author":18,"featured_media":109011,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[3059],"tags":[3147,3145,3146,3144],"class_list":["post-109008","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-general","tag-pm-vidya-lakshmi-education-loan-yojana","tag-pm-vidyalaxmi-scheme","tag-pm-vidyalaxmi-education-loan-schem","tag-vidyalakshmi-education-loan"],"acf":{"faqs_intro":"Here are some of the Frequently Asked Questions and Answers are as follows:","faqs_section":[{"question":"What format should documents be uploaded in for the PM-Vidyalakshmi Education Loan scheme?\u00a0","answer":"The documents should be uploaded in PDF and JPEG format with a file size of max 200 KB."},{"question":"Can a student submit multiple applications for an educational loan?","answer":"For an education loan, a student can apply to a maximum of three banks.\u00a0"},{"question":"Can K.R. Mangalam University assist in getting the PM Vidyalakshmi education loan?","answer":"While the university itself does not sanction the loan, it can assist in the following ways:\r\n\r\nGuidance in Application Process\r\nProviding Required Documentation\r\nCoordination with Partner Banks"},{"question":"What is the rate of interest charged on an educational loan?","answer":"Individual banks charge different rates of interest. Hence, students are advised to check the latest rate of interest on the respective bank's website."},{"question":"What is the maximum scholarship a student can get at KRMU?\u00a0","answer":"The maximum scholarship a student can get at K.R. Mangalam University is 100% tuition fee waiver, based on academic merit or exceptional sports achievements."}],"krmscript":"<script type=\"application\/ld+json\">\r\n{\r\n  \"@context\": \"https:\/\/schema.org\",\r\n  \"@type\": \"FAQPage\",\r\n  \"mainEntity\": [{\r\n    \"@type\": \"Question\",\r\n    \"name\": \"What format should documents be uploaded in for the PM-Vidyalakshmi Education Loan scheme?\",\r\n    \"acceptedAnswer\": {\r\n      \"@type\": \"Answer\",\r\n      \"text\": \"The documents should be uploaded in PDF and JPEG format with a file size of max 200 KB.\"\r\n    }\r\n  },{\r\n    \"@type\": \"Question\",\r\n    \"name\": \"Can a student submit multiple applications for an educational loan?\",\r\n    \"acceptedAnswer\": {\r\n      \"@type\": \"Answer\",\r\n      \"text\": \"For an education loan, a student can apply to a maximum of three banks.\"\r\n    }\r\n  },{\r\n    \"@type\": \"Question\",\r\n    \"name\": \"Can K.R. 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