Vidya Lakshmi — single-window portal for higher-education loans across banks. DRAFT indicative facts, pending official-source verification.
3% subsidy, up to ₹10 L
INTEREST · quoted from the scheme, not calculated by us
No overview, state applicability, or FAQ content on file for this scheme yet.
[new-audience draft] education sector; student/individual applicant with a co-applicant
Vidya Lakshmi — education loan up to ~Rs 10-20L (higher for study abroad), floating ~8.5-11%, ~15yr incl. moratorium, margin ~5% above Rs 4L; no capital subsidy (interest-subsidy delivered separately via CSIS); indicative DRAFT.
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3% interest subvention on loans up to ₹10 lakh during moratorium for family income above ₹4.5 lakh and up to ₹8 lakh; full interest subvention during moratorium for family income up to ₹4.5 lakh.