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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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What the Portal  Offers

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)

Dreaming of studying abroad but worried about finances? 

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.

Central Government Scholarships 

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.

State Government Scholarships 

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

State
Scholarship Name
Who Can Apply
Karnataka
Overseas Scholarship Scheme
SC/ST/OBC/Minority students
Telangana
Ambedkar Overseas Vidya Nidhi
SC/ST students pursuing master’s/PhD abroad
Andhra Pradesh
Videshi Vidya Deevena
Students from low-income families
Kerala
NORKA Roots Scholarship
Students from Kerala studying overseas
Tamil Nadu
Overseas Scholarship for Minorities/SC/ST
Postgraduate students
Punjab
SC Overseas Scholarship
SC students for higher studies abroad
Maharashtra
Rajiv Gandhi Fellowship
SC/ST/OBC students
Gujarat
Mukhyamantri Yuva Swavalamban Yojana
Merit-based financial aid
Delhi
Delhi Government Overseas Scholarship
SC/ST/OBC/Minority categories

Private & Corporate Scholarships 

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.

State Government Scholarships 

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

Category
Scholarships You Can Apply For
Women
Lady Meherbai Tata, British Council Women in STEM, Google Women Techmakers
Minority Students
Maulana Azad Fellowship, Delhi Minority Scholarships
Economically Weaker Sections
Dr. Ambedkar Interest Subsidy, HDFC Parivartan
Differently Abled Students
NHFDC Scholarships for Overseas Studies

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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