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Vidya Lakshmi Education Loan Portal

The Vidya Lakshmi Portal is an initiative by the Government of India to make education loans more transparent, accessible, and convenient for every student especially those who dream of studying abroad but need financial support.

It is managed by NSDL e-Governance Infrastructure Ltd. under the guidance of the Ministry of Finance, Ministry of Education, and the Indian Banks Association (IBA).

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Vidya Lakshmi is a single online platform where students can:

Step 01

Search, compare, and apply for education loans offered by multiple banks.

Step 02

Submit a single application form (CELAF) that reaches multiple banks at once.

Step 03

Track the status of their loan application directly on the portal.

Step 04

Get guidance on the terms, interest rates, and repayment policies of various banks.

Study Abroad Scholarships for Indian Students (2025)

Good news — India has dozens of scholarships from the Central Government, State Governments, and private organizations that can help make your global education journey completely affordable.

Whether you’re a meritorious student, from a minority community, or simply passionate about higher studies overseas, there’s a program designed just for you.

01

National Overseas Scholarship (NOS)

If you belong to SC, ST, or OBC categories and want to pursue your Master’s or PhD abroad, this program covers almost everything — tuition fees, living costs, airfare, and visa expenses.

02

Commonwealth Scholarship

If you belong to SC, ST, or OBC categories and want to pursue your Master’s or PhD abroad, this program covers almost everything — tuition fees, living costs, airfare, and visa expenses.

03

Fulbright-Nehru Fellowships

If you belong to SC, ST, or OBC categories and want to pursue your Master’s or PhD abroad, this program covers almost everything — tuition fees, living costs, airfare, and visa expenses.

04

Intaks Shivdasani Foundation Scholarships

If you belong to SC, ST, or OBC categories and want to pursue your Master’s or PhD abroad, this program covers almost everything — tuition fees, living costs, airfare, and visa expenses.

05

Dr. Ambedkar Interest Subsidy Scheme

If you belong to SC, ST, or OBC categories and want to pursue your Master’s or PhD abroad, this program covers almost everything — tuition fees, living costs, airfare, and visa expenses.

06

Raman-Charpak Fellowship

If you belong to SC, ST, or OBC categories and want to pursue your Master’s or PhD abroad, this program covers almost everything — tuition fees, living costs, airfare, and visa expenses.

07

Agatha Harrison Memorial Fellowship (UK)

If you belong to SC, ST, or OBC categories and want to pursue your Master’s or PhD abroad, this program covers almost everything — tuition fees, living costs, airfare, and visa expenses.

Several states offer their own scholarships to help bright students study abroad:

Not all scholarships come from the government — several trusts and foundations in India also support international education:

Tata Scholarship (Cornell University) – Full funding for Indian undergraduates.

J. N. Tata Endowment – Low-interest loans for postgraduate students.

KC Mahindra Scholarships – Up to ₹8 lakh for top postgraduate candidates.

Narotam Sekhsaria Scholarship – Interest-free loan for meritorious students.

Reliance Foundation Scholarships – Support for global master’s programs.

Lady Meherbai Tata Education Trust – For Indian women pursuing higher studies abroad.

HDFC Bank Parivartan Scholarship – For economically weaker students.

Rhodes, Chevening, DAAD, Erasmus Mundus – Fully funded opportunities for the world’s top universities.

Several states offer their own scholarships to help bright students study abroad:

How to Prepare for Scholarship Applications

  • Start early — apply 6–9 months before your intake.
  • Write a strong SOP & LOR that tell your story authentically.
  • Maintain good grades and keep your documents updated.
  • Take required tests: IELTS, TOEFL, GRE, or GMAT.
  • Stay consistent — even small scholarships add up to big savings.

Studying abroad isn’t just for those who can afford it — it’s for those who dare to apply.

With the right scholarship, guidance, and determination, your global dreams can turn into reality.

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