Lok Sabha Question No. 2421 (UNSTARRED), answered on 2025-08-04
Subject: PM Vidya Laxmi Scheme in U.P.
Ministry: EDUCATION
Asked by: Ms Iqra Choudhary, Shri Pushpendra Saroj

## GOVERNMENT OF INDIA MINISTRY OF EDUCATION

## DEPARTMENT OF HIGHER EDUCATION LOK SABHA UNSTARRED QUESTION NO. 2421 ANSWERED ON- 04/08/2025 PM VIDYA LAXMI SCHEME IN U.P.

## 2421.  Shri Pushpendra Saroj:

Ms Iqra Choudhary: Will the Minister of EDUCATION be pleased to state: (a) the details of applications received and approved under the Pradhan Mantri Vidya Laxmi Scheme from the State of Uttar Pradesh during the last five years, District-wise; (b) the number of beneficiaries belonging to OBC, SC and ST categories under the scheme during the last five years, district-wise; (c) the total amount allocated, sanctioned and utilized under Scheme in Uttar Pradesh during the last five years; (d) whether the Government has conducted any review or audit of the scheme in Uttar Pradesh; and (e) if so, the details thereof?

## ANSWER

## MINISTER OF STATE IN THE MINISTRY OF EDUCATION (DR. SUKANTA MAJUMDAR)

(a) to (e): The Pradhan Mantri Vidya Laxmi (PM Vidyalaxmi), a new central sector scheme has been launched on 6th November 2024. The main objective of the scheme is to ensure that no student is denied the opportunity to pursue higher education due to financial constraints. Under the scheme, collateral-free and guarantor-free education loans are provided to all the students, including students belonging to the OBC, SC and ST categories, who get merit-based admission  in  top  Quality  Higher  Education  Institutions  (QHEIs)  and  desirous  of  availing education  loan  to  pursue  higher  education  from  the  QHEI.  There  is  no  upper  limit  on  the number of such education loans. Further, for students with annual family income up to ₹ 8 lakh, the scheme provides 3% interest subvention on education loans up to ₹ 10 lakhs. Up to one lakh fresh students not getting any other scholarship or interest subvention on education loan will get this interest subvention.

An outlay of ₹ 3,600 crore has been made from 2024-25 to 2030- 31, for providing 3% interest subvention benefit for up to 7 lakh fresh students during this period.

From the launch date of PM Vidyalaxmi, i.e., 6 th November 2024 to 24 th July 2025, from students who have reported their domicile as Uttar Pradesh, a total of 6,225 PM Vidyalaxmi education loan applications were received. Of them, 3004 loans has been sanctioned. Amount sanctioned is ₹ 408.27 crore, which is for the full duration of the respective courses.

A dedicated online platform, the PM Vidyalaxmi portal https://pmvidyalaxmi.co.in has been  developed  on  which  students  can  apply  for  the  education  loan  as  well  as  interest subvention, through a simplified application process to be used by all banks. This portal has started  operating  from  25 th February  2025.  The  category  and  district-wise  details  of applications received and approved/sanctioned under the PM Vidyalaxmi Scheme for students who have reported their domicile as Uttar Pradesh, available in this portal from 25 th February 2025 to 24 th July 2025 may be accessed at https://www.education.gov.in/en/parl\_ques.

The  PM  Vidyalaxmi  scheme  has  been  launched  recently.  To  improve  awareness,  the scheme  guidelines  have  already  been  provided  in  the  website  of  Ministry  of  Education  at https://www.education.gov.in/en/scholarships\_education\_loan. Further, the Indian Banks Association has circulated the guidelines to all the member banks for use of their branches, including  those  in  Uttar  Pradesh.  Multi-lingual  pamphlet  of  PM-Vidyalaxmi  has  been developed  and  uploaded  in  the  PM  Vidyalaxmi  portal.  All  HEIs  have  been  requested  to download and distribute the same to students of their HEI.

All  QHEIs  have  been  requested  to  prominently  display  the  PM-Vidyalaxmi  Scheme publicity  materials  within  their  campuses  and  actively  publicize  the  dedicated  call  centre number 1800-1031 for the PM-Vidyalaxmi Scheme.

The Department of Higher Education (DHE) and the Department of Financial Services (DFS) monitor the progress of education loan submission, processing and disbursement on a regular basis together with the Indian Banks Association (IBA) and banks. Further, the DHE in  coordination  with  DFS  conduct  meetings  with  QHEIs,  banks  and  IBA  for  smooth implementation of the scheme on a regular interval. Workshops are also organized with the QHEIs in collaboration with the University Grants Commission, DFS, IBA and the banks to increase awareness of the QHEIs and students.

*****

## Annexure

ANNEXURE RFERRED TO IN REPLY OF PART (A) TO (E) OF THE LOK SABHA UNSTARRED QUESTION NO. 2421 FOR 04-08-2025 ASKED BY SHRI PUSHPENDRA  SAROJ  AND  Ms.  IQRA  CHOUDHARY,  HON'BLE  MPs REGARDING 'PM VIDYA LAXMI SCHEME IN U.P.'

District-wise  number of  education  loans  under  PM  Vidyalaxmi  Scheme for Uttar Pradesh for period: 25-02-2025 to 24-07-2025

| DISTRICT NAME       | Application Received   | Application Approved/ Sanctioned   | Application Approved/ Sanctioned   | Application Approved/ Sanctioned   | Application Approved/ Sanctioned   | Application Approved/ Sanctioned   | Application Approved/ Sanctioned   |
|---------------------|------------------------|------------------------------------|------------------------------------|------------------------------------|------------------------------------|------------------------------------|------------------------------------|
| DISTRICT NAME       | Application Received   | Total                              | SC                                 | ST                                 | OBC                                | EWS                                | GEN                                |
| AGRA                | 248                    | 108                                | 10                                 |                                    | 13                                 | 14                                 | 71                                 |
| ALIGARH             | 74                     | 28                                 |                                    |                                    | 7                                  | 3                                  | 18                                 |
| AMBEDKAR NAGAR      | 22                     | 8                                  | 2                                  |                                    | 3                                  | 2                                  | 1                                  |
| AMETHI              | 16                     | 4                                  |                                    |                                    | 0                                  | 3                                  | 1                                  |
| AMROHA              | 27                     | 14                                 | 3                                  |                                    | 1                                  | 2                                  | 8                                  |
| AURAIYA             | 28                     | 9                                  | 2                                  |                                    | 4                                  | 1                                  | 2                                  |
| AZAMGARH            | 44                     | 17                                 | 3                                  |                                    | 7                                  | 2                                  | 5                                  |
| BAGHPAT             | 24                     | 12                                 |                                    |                                    | 3                                  | 1                                  | 8                                  |
| BAHRAICH            | 20                     | 7                                  |                                    |                                    | 1                                  | 5                                  | 1                                  |
| BALLIA              | 80                     | 31                                 |                                    | 3                                  | 11                                 | 4                                  | 13                                 |
| BALRAMPUR           | 16                     | 4                                  |                                    |                                    | 0                                  | 1                                  | 3                                  |
| BANDA               | 11                     | 1                                  |                                    |                                    | 0                                  | 1                                  |                                    |
| BARABANKI           | 29                     | 12                                 |                                    |                                    | 5                                  | 1                                  | 6                                  |
| BAREILLY            | 111                    | 47                                 | 5                                  |                                    | 10                                 | 6                                  | 26                                 |
| BASTI               | 38                     | 19                                 | 3                                  |                                    | 5                                  | 7                                  | 4                                  |
| BHADOHI             | 23                     | 13                                 |                                    |                                    | 4                                  | 2                                  | 7                                  |
| BIJNOR              | 82                     | 29                                 | 4                                  |                                    | 7                                  | 5                                  | 13                                 |
| BUDAUN              | 16                     | 6                                  | 1                                  |                                    | 3                                  |                                    | 2                                  |
| BULANDSHAHR         | 57                     | 26                                 | 4                                  |                                    | 1                                  | 5                                  | 16                                 |
| CHANDAULI           | 36                     | 15                                 | 1                                  | 1                                  | 4                                  | 2                                  | 7                                  |
| CHITRAKOOT          | 6                      | 3                                  |                                    |                                    | 1                                  | 1                                  | 1                                  |
| DEORIA              | 83                     | 23                                 | 1                                  | 2                                  | 6                                  | 9                                  | 5                                  |
| ETAH                | 20                     | 10                                 |                                    |                                    | 5                                  | 1                                  | 4                                  |
| ETAWAH              | 29                     | 13                                 | 3                                  |                                    | 3                                  | 1                                  | 6                                  |
| FAIZABAD            | 36                     | 8                                  | 2                                  |                                    | 2                                  |                                    | 4                                  |
| FARRUKHABAD         | 31                     | 10                                 | 1                                  |                                    | 3                                  | 4                                  | 2                                  |
| FATEHPUR            | 20                     | 8                                  | 1                                  |                                    | 5                                  | 1                                  | 1                                  |
| FIROZABAD           | 45                     | 17                                 | 1                                  |                                    | 6                                  | 2                                  | 8                                  |
| GAUTAM BUDDHA NAGAR | 324                    | 154                                | 5                                  | 2                                  | 19                                 | 6                                  | 122                                |
| GHAZIABAD           | 567                    | 263                                | 15                                 | 1                                  | 44                                 | 11                                 | 192                                |
| GHAZIPUR            | 62                     | 24                                 | 2                                  |                                    | 14                                 | 3                                  | 5                                  |
| GONDA               | 40                     | 17                                 |                                    |                                    | 3                                  | 6                                  | 8                                  |
| GORAKHPUR           | 188                    | 73                                 | 7                                  |                                    | 20                                 | 11                                 | 35                                 |

| DISTRICT NAME     | Application   | Application Approved/ Sanctioned   | Application Approved/ Sanctioned   | Application Approved/ Sanctioned   | Application Approved/ Sanctioned   | Application Approved/ Sanctioned   | Application Approved/ Sanctioned   |
|-------------------|---------------|------------------------------------|------------------------------------|------------------------------------|------------------------------------|------------------------------------|------------------------------------|
|                   | Received      | Total                              | SC                                 | ST                                 | OBC                                | EWS                                | GEN                                |
| HAPUR             | 24            | 11                                 | 1                                  |                                    | 1                                  | 3                                  | 6                                  |
| HARDOI            | 27            | 10                                 | 1                                  |                                    | 3                                  | 4                                  | 2                                  |
| HATHRAS           | 21            | 13                                 | 1                                  |                                    | 2                                  | 2                                  | 8                                  |
| JALAUN            | 41            | 14                                 | 6                                  |                                    | 2                                  |                                    | 6                                  |
| JAUNPUR           | 37            | 15                                 | 2                                  |                                    | 8                                  | 1                                  | 4                                  |
| JHANSI            | 88            | 30                                 | 7                                  |                                    | 8                                  | 5                                  | 10                                 |
| KANNAUJ           | 11            | 4                                  | 1                                  |                                    | 1                                  | 1                                  | 1                                  |
| KANPUR DEHAT      | 17            | 1                                  |                                    |                                    | 0                                  | 1                                  |                                    |
| KANPUR NAGAR      | 458           | 204                                | 18                                 |                                    | 47                                 | 28                                 | 111                                |
| Kasganj           | 15            | 7                                  |                                    |                                    | 3                                  | 1                                  | 3                                  |
| KAUSHAMBI         | 8             | 3                                  | 1                                  |                                    | 0                                  |                                    | 2                                  |
| KHERI             | 32            | 14                                 | 2                                  |                                    | 4                                  | 3                                  | 5                                  |
| KUSHI NAGAR       | 54            | 19                                 | 1                                  |                                    | 8                                  | 2                                  | 8                                  |
| LALITPUR          | 10            | 5                                  | 1                                  |                                    | 2                                  |                                    | 2                                  |
| LUCKNOW           | 648           | 317                                | 13                                 |                                    | 55                                 | 20                                 | 229                                |
| MAHARAJGANJ       | 27            | 9                                  |                                    |                                    | 4                                  | 4                                  | 1                                  |
| MAHOBA            | 8             | 4                                  | 1                                  |                                    | 3                                  |                                    |                                    |
| MAINPURI          | 24            | 10                                 |                                    |                                    | 6                                  | 3                                  | 1                                  |
| MATHURA           | 66            | 31                                 | 2                                  |                                    | 3                                  | 8                                  | 18                                 |
| MAU               | 30            | 13                                 | 2                                  |                                    | 3                                  | 1                                  | 7                                  |
| MEERUT            | 201           | 92                                 | 6                                  |                                    | 19                                 | 5                                  | 62                                 |
| MIRZAPUR          | 46            | 18                                 |                                    |                                    | 8                                  | 7                                  | 3                                  |
| MORADABAD         | 72            | 27                                 | 4                                  |                                    | 2                                  | 5                                  | 16                                 |
| MUZAFFARNAGAR     | 72            | 26                                 |                                    |                                    | 6                                  | 2                                  | 18                                 |
| PILIBHIT          | 20            | 8                                  | 1                                  |                                    | 3                                  |                                    | 4                                  |
| PRATAPGARH        | 43            | 11                                 | 3                                  |                                    | 3                                  | 2                                  | 3                                  |
| PRAYAGRAJ         | 151           | 62                                 | 8                                  |                                    | 12                                 | 11                                 | 31                                 |
| RAE BARELI        | 27            | 9                                  |                                    |                                    | 4                                  | 1                                  | 4                                  |
| RAMPUR            | 25            | 11                                 |                                    |                                    | 4                                  | 3                                  | 4                                  |
| SAHARANPUR        | 125           | 55                                 | 6                                  | 1                                  | 15                                 | 5                                  | 28                                 |
| SAMBHAL           | 15            | 6                                  |                                    |                                    | 1                                  | 2                                  | 3                                  |
| SANT KABEER NAGAR | 10            | 5                                  | 1                                  | 1                                  | 1                                  | 1                                  | 1                                  |
| SHAHJAHANPUR      | 38            | 19                                 |                                    |                                    | 4                                  |                                    | 15                                 |
| SHAMLI            | 44            | 20                                 | 1                                  |                                    | 7                                  |                                    | 12                                 |
| SHRAVASTI         | 1             | 0                                  |                                    |                                    | 0                                  |                                    |                                    |
| SIDDHARTH NAGAR   | 14            | 8                                  |                                    |                                    | 1                                  | 2                                  | 5                                  |
| SITAPUR           | 23            | 8                                  |                                    |                                    | 2                                  | 2                                  | 4                                  |
| SONBHADRA         | 62            | 22                                 | 1                                  |                                    | 7                                  | 3                                  | 11                                 |
| SULTANPUR         | 37            | 8                                  |                                    |                                    | 1                                  | 2                                  | 5                                  |
| UNNAO             | 28            | 7                                  | 1                                  |                                    | 2                                  | 1                                  | 3                                  |
| VARANASI          | 280           | 136                                | 3                                  | 2                                  | 30                                 | 27                                 | 74                                 |
| TOTAL             | 5465          | 2336                               | 172                                | 13                                 | 521                                | 294                                | 1336                               |