SA_Scholarships & Loans

If you are unable to log in to the Vidya Lakshmi portal, make sure that you are using the login and password correctly. If you forget, then reset it.

Second option is to make sure the internet connection is stable or working. If the problem persists, try reconnecting.

If both don't work, connect on toll free number of the portal. You will get customer support for technical assistance.

Both terms refer to the same online platform for applying for education loans in India. “Vidyalaxmi Portal” and “Vidyalakshmi Portal” are simply spelling variations of the same thing.

The official portal introduced by the government is called “Vidya Lakshmi Portal, ” and it helps Indian students to apply for multiple education loan schemes offered by different banks through one application form.

To apply for an Avanse Education Loan, you'll need:

• KYC documents (ID & address proof)
• Academic records (marksheets, certificates)
• Admission letter from the institute (India or abroad)
• Course fee structure
• Co-borrower's financial documents (ITR, salary slips, bank statements)
• Collateral papers (only for secured loans)

Collateral or security is not always required for an Avanse Education Loan. The lender offers both secured loans (with collateral like property) and unsecured loans (without collateral). It totally depends on the student's profile, repayment capacity, and loan amount applied for.

Indian students aged 18 years or above can apply for an Avanse education loan if they have secured admission to a recognised university or institute, either in India or abroad. An eligible co-applicant (like parents or guardians) is also mandatory.

You must apply between October and January if the courses you're willing to study start in the following year. Students must note the course details, requirements and all application-related details on the official channels of the participating institutions.

Euroculture is a two-year, Erasmus Mundus Joint Master Degree in European Studies that offers an interdisciplinary programme focusing on contemporary European politics, culture, and society in a global context.

Only a few scholars enrolled on a PhD in third countries, who are selected by the Euroculture Erasmus Mundus Consortium, are eligible to contribute to this joint programme. Therefore, requests generated only through the officially established channels are considered, and no unsolicited requests for the same are encouraged or accepted.

To use an EMI calculator, you need the loan amount, interest rate, repayment tenure, and any moratorium period if applicable. Enter these details to get an accurate estimate of your monthly installment. This will help you plan your repayments better.

A fixed rate of interest remains the same for your entire education loan's tenure. On the other hand, floating rates of loan can change over time, depending on market conditions and the repo rate decided by the Reserve Bank of India (RBI). It is suggested to choose fixed ROI, if you want stability, and floating ROI if you can handle fluctuations.