Wednesday, December 9, 2015

PRADHAN MANTRI VIDYA LAKSHMI KARYAKRAM ( PMVLK) : VIDYA LAKSHMI PORTAL FOR EDUCATION LOAN

SINGLE PORTAL FOR EDUCATION LOAN IN INDIA
Govt. of India has set-up a fully IT based Student Financial Aid Authority to administer and monitor Scholarship as well as Educational Loan Schemes, through the Pradhan Mantri Vidya Lakshmi Karyakram (PMVLK) to ensure that no student misses out on higher education for lack of funds. The launch of the aforesaid Portal is a first step towards achieving this objective.
The IT based mechanism under the Pradhan Mantri Vidya Lakshmi Karyakram is meant to provide students a single window electronic platform for Scholarships and Educational Loans.
Vidya Lakshmi is a first of its kind portal for students seeking Education Loan. This portal has been developed 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).The portal has been developed and being maintained by NSDL e-Governance Infrastructure Limited. Students can view, apply and track the education loan applications to banks anytime, anywhere by accessing the portal. The portal also provides linkages to National Scholarship Portal.
The Vidya Lakshmi portal has been made live on 15.08.2015. The students can apply online for Education Loan to any Bank, in the application format designed by IBA through the subject portal i.e. www.vidyalakshmi.co.in. The Bank to which the application is directed by the NSDL portal has to download the same from their web site through the interface software and forward to concerned branches for logical closure of the application.
The salient features of the Vidya Lakshmi portal are as under:
Primary objective is to provide students with easier access to loans and Govt. scholarships through a single portal.
The portal serves as a single entry point for availing education loan in the Country.
The portal provides linkage to various Govt. scholarship portals.
The portal has provision for common Education loan application loan form for all banks.
The portal facilitates all member banks to access applications made by students through common loan application forms.
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