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PM-Vidyalaxmi Yojana — Bina Collateral Education Loan

प्रधानमंत्री विद्यालक्ष्मी योजना

PM-Vidyalaxmi Yojana — Top QHEI me merit se admission lene wale chhatron ko bina collateral aur bina guarantor education loan (loan rakam ki koi adhiktam seema nahi — course fees aur kharch par nirbhar); ₹7.5 lakh tak ke loan par 75% credit guarantee (CGFSEL); parivarik aay ₹8 lakh tak ho to ₹10 lakh tak ke loan par moratorium avadhi me 3% byaj subsidy

Seedha jawaab: Top QHEI me merit se admission lene wale chhatron ko bina collateral aur bina guarantor education loan (loan rakam ki koi adhiktam seema nahi — course fees aur kharch par nirbhar); ₹7.5 lakh tak ke loan par 75% credit guarantee (CGFSEL); parivarik aay ₹8 lakh tak ho to ₹10 lakh tak ke loan par moratorium avadhi me 3% byaj subsidy.

Vibhag: Uchch Shiksha Vibhag (Department of Higher Education), Shiksha Mantralaya (Ministry of Education), Bharat Sarkar · Official portal: pmvidyalaxmi.co.in · Jankari antim baar verify: 2026-10-20

Yojana ke baare me

PM-Vidyalaxmi kendra sarkar ki Central Sector yojana hai, jise Kendriya Mantrimandal ne 6 November 2024 ko manzoori di — ye Rashtriya Shiksha Niti (NEP) 2020 ki sifarish se aayi hai taaki paise ki kami se koi bhi meritorious chhatra achhi uchch shiksha se na chooke. Isme desh ke top Quality Higher Education Institutions (QHEIs) me merit ke aadhar par admission lene wale chhatron ko bina collateral aur bina guarantor education loan milta hai — loan se poori tuition fees aur course se jude kharch (hostel, mess, laptop, rehne ka uchit kharch) cover hote hain aur loan rakam ki koi nishchit adhiktam seema nahi hai. QHEI suchi NIRF ranking se banti hai: shuruaat me 860 sansthan the, PIB ke July 2026 backgrounder ke anusaar ab 1,425 QHEI cover hain aur suchi har saal update hoti hai. Aavedan ek hi digital portal pmvidyalaxmi.co.in se hota hai, jo 25 February 2025 se chalu hai. Dhyaan dein: byaj subsidy sabko nahi milti — uske liye aay aur slot ki shartein hain (neeche dekhein), aur management/NRI quota wale admission par is yojana ka labh nahi milta.

Kaun patr hai ✓

  • Chhatra ko Bharat ke kisi suchibaddh Quality Higher Education Institution (QHEI) me merit ke aadhar par (pratiyogi pariksha / merit quota se) admission mila ho — QHEI suchi NIRF ranking par banti hai: NIRF overall/category/domain me top 100 wale sabhi HEI (sarkari aur niji), rajya sarkari HEI jo NIRF 101-200 me hon, aur sabhi kendra sarkar ke sansthan
  • Course koi bhi degree ya diploma karyakram ho — chhatron ki sankhya ki koi seema nahi hai, aur loan ke liye parivarik aay ki koi seema nahi hai (aay seema sirf byaj subsidy par lagu hai)
  • 3% byaj subsidy ke liye: parivarik salana aay ₹8 lakh tak ho, loan ₹10 lakh tak ho, aur chhatra kisi anya sarkari scholarship, byaj subvention ya fee reimbursement ka labh na le raha ho — har saal adhiktam 1 lakh naye chhatron ko ye labh milta hai, sarkari sansthanon aur technical/professional course wale chhatron ko prathmikta milti hai
  • Purna (100%) byaj subsidy ke liye (PM-USP CSIS ke tahat): parivarik aay ₹4.5 lakh tak ho aur course manzoor sansthanon me technical/professional ho — loan ₹10 lakh tak, slot ki koi seema nahi
  • Chhatra Aadhaar se portal par panjikrit ho, course me namankit bana rahe aur dusre saal se santoshjanak shaikshanik pradarshan (satisfactory academic performance) banaye rakhe
  • Loan Scheduled Bank, Regional Rural Bank (RRB) ya Cooperative Bank se liya jaye — portal par July 2026 tak 12 Public Sector Bank, 20 Private Bank, 25 RRB aur 7 Cooperative Bank jude the (PIB)

Kaun patr NAHI hai ✗

  • Management quota, NRI quota aadi se admission lene wale chhatra — unhe is yojana ke labh (bina-collateral loan vyavastha, guarantee, subsidy) nahi milte
  • Jis sansthan ka naam QHEI suchi me nahi hai, wahan ke chhatra PM-Vidyalaxmi ke liye patr nahi hain (ve bank ki aam education loan yojanaon ke liye apply kar sakte hain); videshi sansthanon / videshi campus par bhi ye yojana lagu nahi hai
  • Jo chhatra kisi anya kendra/rajya scholarship, byaj subvention ya fee reimbursement ka labh le raha hai, use PM-Vidyalaxmi/CSIS byaj subsidy nahi milegi
  • Course beech me chhod dene ya anushasan/shaikshanik karanon se nishkasit hone par subsidy aur guarantee ka labh band ho jata hai; ye labh sirf ek baar (ek UG, PG ya integrated course) ke liye hai

Patrata ke niyam samay-samay par badal sakte hain. Awedan se pehle apni sthiti official portal par confirm zaroor karein.

Kaunse documents chahiye

Apply kaise karein — step by step

  1. Pehle QHEI suchi me apna sansthan check kareinpmvidyalaxmi.co.in portal par di gayi Quality Higher Education Institutions (QHEI) ki taaza suchi me apne sansthan ka naam dekhein. Suchi NIRF ranking se banti hai aur har saal update hoti hai — shuruaat ke 860 sansthanon se badhkar July 2026 tak 1,425 QHEI cover the (PIB). Sansthan suchi me na ho to is yojana ka labh nahi milega.
  2. Portal par Aadhaar se panjikaran kareinSirf official portal pmvidyalaxmi.co.in par jayein aur Aadhaar vivaran ke saath student registration karein. Panjikaran muft hai — kisi agent ko paisa na dein. Yahi portal loan aavedan, status tracking, byaj subsidy ka daava aur shikayat — sab ke liye hai.
  3. Common Education Loan Application Form bhareinEk hi aam aavedan form (jo sabhi bankon ke liye chalta hai) me vyaktigat vivaran, course aur sansthan ki jankari, parivarik aay aur chahiye loan rakam (tuition fees + hostel/mess + laptop + anya course kharch) bharein aur mange gaye dastavej upload karein. Parivarik aay sahi likhein — byaj subsidy ki patrata isi se tay hoti hai.
  4. Bank chunein aur aavedan bhejeinPortal par jude Scheduled Bank / RRB / Cooperative Bankon me se apni pasand ke bank (aur shakha) ko aavedan bhejein. Bank jaanch karke loan sanction karta hai — bina collateral aur bina guarantor. ₹7.5 lakh tak ke loan par sarkar ki 75% credit guarantee (PM-USP CGFSEL) bank ko suraksha deti hai, isiliye bank bina zamanat loan dene ko taiyaar hota hai.
  5. Loan sanction ke baad byaj subsidy ka daava kareinYadi aapki parivarik aay ₹8 lakh tak hai (3% subsidy) ya ₹4.5 lakh tak hai aur course technical/professional hai (CSIS se purna byaj subsidy), to portal se hi interest subvention ke liye aavedan karein. Manzoori ke baad rakam PM-Vidyalaxmi Digital Rupee App (CBDC wallet) me aati hai — SMS milne par app install karke rakam redeem karne par wo seedha aapke education loan khate me DBT se jama hoti hai.
  6. Padhai jaari rakhein aur shartein nibhayeinSubsidy dusre saal se tabhi jaari rehti hai jab aap namankit rahein aur santoshjanak pradarshan banaye rakhein — sansthan portal par semester-wise progress report upload karta hai. Moratorium (course avadhi + 1 saal) ke baad loan ki chukauti shuru hoti hai, adhiktam 15 saal ki avadhi me.

Status / kist kaise check karein

  1. Portal dashboard par aavedan sthitipmvidyalaxmi.co.in par login karke apne loan aavedan ki bank-wise sthiti (sanction/disbursement) aur byaj subsidy daave ki sthiti dekhein — portal par hi shikayat (grievance) bhi darj ki ja sakti hai.
  2. Digital Rupee wallet me subsidySubsidy manzoor hone par SMS aata hai. PM-Vidyalaxmi Digital Rupee App me wallet balance check karein aur redeem karne par rakam loan khate me aati hai — bank statement/passbook se pushti karein.
  3. Bank shakha se samparkLoan sanction, disbursement ya EMI se judi jankari ke liye aavedan me chuni gayi bank shakha se application number ke saath sampark karein.
Thagi se bachein: Awedan bilkul muft hai. Koi vyakti naam jodne ya kist jaldi dilane ke paise mange, OTP mange, to turant mana karein aur helpline ya najdeeki police se shikayat karein. Apply hamesha sirf official portal (pmvidyalaxmi.co.in) se karein.

Aksar puche jaane wale sawal (FAQ)

PM-Vidyalaxmi me adhiktam kitna education loan mil sakta hai?

Loan rakam ki koi nishchit adhiktam seema nahi hai — PIB ke anusaar loan course ki fees aur usse jude kharchon (hostel, mess, sansthan ki anya fees, uchit keemat ka laptop aur uchit jeevan-kharch) ke hisab se tay hota hai aur sabhi aay varg ke chhatra apply kar sakte hain. Lekin do seemayein yaad rakhein: 75% credit guarantee sirf ₹7.5 lakh tak ke loan par milti hai, aur 3% byaj subsidy sirf ₹10 lakh tak ke loan hisse par milti hai (loan zyada ho to subsidy ₹10 lakh tak ke disbursed mool par hi milegi).

3% byaj subsidy kise aur kab milti hai?

Un chhatron ko milti hai jinki parivarik salana aay ₹8 lakh tak hai aur jo kisi anya sarkari scholarship, byaj subvention ya fee reimbursement ka labh nahi le rahe. Subsidy sirf moratorium avadhi (course ki avadhi + 1 saal) ke byaj par, ₹10 lakh tak ke loan par milti hai. Har saal adhiktam 1 lakh naye chhatron ko ye labh milta hai — sarkari sansthanon ke aur technical/professional course wale chhatron ko prathmikta hai. Yojana ke liye 2024-25 se 2030-31 tak ₹3,600 crore ka parivyaay hai, jisse kul lagbhag 7 lakh naye chhatron ko labh ka anuman hai.

Kya sach me collateral (girvi) aur guarantor nahi chahiye?

Haan — yadi aapka admission suchibaddh QHEI me merit ke aadhar par hua hai. Isi ke liye sarkar bankon ko ₹7.5 lakh tak ke loan par 75% credit guarantee (PM-USP CGFSEL ke tahat outstanding default par) deti hai. Lekin dhyaan dein: management quota ya NRI quota se admission par ye labh nahi milta, aur jo sansthan QHEI suchi me hi nahi hai, wahan ke liye bank apni aam shartein (₹7.5 lakh se zyada par collateral aadi) laga sakta hai.

Mera parivar ₹4.5 lakh tak kamaata hai — mujhe kya milega?

Aapke liye PM-USP CSIS (Central Sector Interest Subsidy) ke tahat moratorium avadhi ka pura byaj (100% interest subvention) sarkar deti hai, ₹10 lakh tak ke loan par — shart hai ki course manzoor sansthan me technical/professional ho. CSIS me salana slot ki koi seema nahi hai. Ye bhi PM-Vidyalaxmi portal se hi apply hota hai. Ek chhatra ek samay me ek hi subvention ka labh le sakta hai — CSIS aur PM-Vidyalaxmi 3% subsidy dono ek saath nahi milte.

Kaun se college/sansthan is yojana me aate hain?

Suchibaddh Quality Higher Education Institutions (QHEIs) — chunav NIRF ranking se hota hai: NIRF overall/category/domain rankings me top 100 wale sabhi HEI (sarkari aur niji), rajya sarkari HEI jo NIRF 101-200 me hon, aur kendra sarkar ke baaki sabhi sansthan. Shuruaat (Nov 2024) me 860 QHEI the jo 22 lakh se zyada chhatron ko cover karte the; PIB ke July 2026 backgrounder ke anusaar ab 1,425 sansthan cover hain. Suchi har saal naye NIRF ranking se update hoti hai, isliye apply se pehle portal par taaza suchi zaroor check karein. Videshi sansthan aur videshi campus cover nahi hain.

Byaj dar kitna lagega aur loan kab chukana hoga?

PIB ke anusaar byaj dar bank ke EBLR (External Benchmark Lending Rate) + 0.5% par cap hai — ye usi bank ke aam education loan dar se kam hota hai. Yadi aap padhai aur moratorium ke dauraan byaj dete rahein to bank 1% tak ki atirikt riyayat de sakta hai. Byaj par Section 80E ke tahat aaykar labh bhi milta hai. Chukauti moratorium (course avadhi + 1 saal) ke baad shuru hoti hai aur avadhi moratorium ke alava adhiktam 15 saal hai. July 2026 tak is yojana me 1,12,817 loan sanction hokar ₹15,634.78 crore ki rakam manzoor ho chuki thi (PIB, Lok Sabha uttar 27 July 2026).

Jankari ke srot (Sources)

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