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 Date : 5/28/2018 
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Vidya Jothi Scheme

Eligibility criteria
Should be an Indian National
Should have secured admission to professional/technical courses or other academic courses
Should have secured admission to foreign University/Institution (in the case of overseas study)

Courses eligible
School education including plus 2 stage /Graduation /Post graduation /Diploma /Computer education in any recognised State /Central Government /University.
Professional courses including Engineering, Medical, Agriculture, Veterinary, Law, Dental, Management, courses like ICWA, CA, CFA, etc.
Courses conducted by IIM, IISC, XLRI, NIFT etc.
Courses offered in India by reputed foreign universities/Evening courses of approved institutes.

Quantum of Finance
  Maximum of Rs. 7.50 lakh for studying in India and Rs. 15.00 lakh for studying abroad.

Up to Rs. 4.00 lakh PLR
Above Rs. 4.00 lakh PLR+1%
The rate of Interest prevailing at the time of first availment shall prevail throughout the repayment period.
Interest to be debited quarterly/half yearly on simple basis during the repayment holiday/moratorium



Loans upto Rs. 4.00 lakh Nil
Loans above Rs. 4.00 lakh Studies within India 5%
    Studies abroad 15%

Scholarship/assistantship to be included in margin.

loans upto Rs. 4.00 lakh Nil
loans above Rs. 4.00 lakh Personal guarantee of  parent(s)

Collateral security in the form of NSC/KVIP, LIC Policy, Gold, Shares/Debentures or immovable properties Bank Deposits in the name of student/Parent/Guardian or any other third party with suitable margin.

Holiday period
  6 - 12 months after completion of the course.

  Equal monthly Installments for a maximum period of 5 - 7 years excluding holiday period.

Central Office
P.O. Box 3765,762, 764 Anna Salai
Chennai - 600 002
Gen: 044-8523595, Fax: 044-8525822/2480/1916


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