Lok Sabha Question No. 425 (STARRED), answered on 2026-03-23
Subject: Education Loans for Students belonging to BPL
Ministry: EDUCATION
Asked by: Shri Lavu Sri Krishna Devarayalu

## GOVERNMENT OF INDIA MINISTRY OF EDUCATION DEPARTMENT OF HIGHER EDUCATION

## LOK SABHA STARRED QUESTION NO. 425

ANSWERED ON- 23.03.2026

## EDUCATION LOANS FOR STUDENTS BELONGING TO BPL

(a) the details of the number of students belonging to the Below Poverty Line (BPL) category who have applied for education loans under various Central Government education loan schemes during the last three years along with the number of applications sanctioned and rejected during (b) the steps taken by the Government to ensure that priority is accorded to students from BPL

*425. Shri Lavu Sri Krishna Devarayalu: Will the Minister of EDUCATION be pleased to state: the said period, State-wise; families in the sanctioning and disbursement of education loans; and

(c)  whether  the  Government  proposes  to  increase  the  moratorium  period  for  repayment  of education loans to two years after completion of the course and if so, the details thereof and if not, the reasons therefor?

## ANSWER

MINISTER OF EDUCATION (SHRI DHARMENDRA PRADHAN) (a) to (c): A Statement is laid on the Table of the House.

*****

## STATEMENT REFERRED TO IN REPLY TO PARTS (A) TO (C) OF LOK SABHA STARRED QUESTION NO. 425 ANSWERED ON 23.03.2026 ASKED BY SHRI LAVU SRI KRISHNA DEVARAYALU, HON'BLE MEMBER OF PARLIAMENT REGARDING 'EDUCATION LOANS FOR STUDENTS BELONGING TO BPL'

(a)  to  (c):  Education  is  in  the  concurrent  list  and  both  the  Central  Government  and  State Governments  work  together  for  its  improvement.  The  Government  of  India  is  implementing different education loan schemes for providing financial assistance for higher education to all categories of students including students belonging to BPL, subject to extant scheme guidelines. There is no upper limit on number of education loans that can be sanctioned under these schemes.

The Central Government launched the PM Vidyalaxmi, a new Central Sector scheme in November 2024 that seeks to provide financial support to meritorious students including students from below poverty line category getting merit based admission in Quality Higher Education Institution (QHEIs). Under the PM Vidyalaxmi scheme, students getting merit-based admission in Quality Higher Education Institution (QHEIs) are eligible to get collateral-free, guarantor-free education loans from banks to cover full amount of tuition fees and other expenses related to the course. There is no upper limit on the number of such loans that can be sanctioned. Further, the repayment can be done up to 15 years after the moratorium period.

Further,  the  Department  of  Financial  Services  (DFS)  has  informed  that  all  Scheduled Commercial Banks (SCBs) have been advised by Reserve Bank of India (RBI) to adopt Model Education Loan Scheme (MELS), formulated by Indian Banks' Association (IBA), 2022 (last amended on 23.6.2025). This scheme is available for all sections of the society. The main features of the scheme are as under:

- The scheme provides need-based education loan.
- No collateral security or third-party guarantee is required for loans amount up to ₹ 7.50 lakhs, provided they are eligible for Central Sector Interest Subsidy Scheme (CSIS)/ Credit Guarantee Fund Scheme for Education loan (CGFSEL).
- No Margin for loans up to ₹ 4 lakhs.
- Moratorium period is allowed up to study period plus one year in all cases.
- Repayment period (after moratorium) is available up to 15 years for all loans.

Further, the RBI vide its Circular on Collateral Free Loans - Educational Loan Scheme, has advised that banks must not, mandatorily, obtain collateral security in the case of educational loans up to ₹ 4 lakhs.

To facilitate the students from poorer households, the Department of Higher Education is implementing the PM-USP Central Sector Interest Subsidy Scheme (PM-USP CSIS). Under the PM USP-CSIS Scheme, full interest subvention is provided to all students, including students belonging  to  BPL  who  are  pursuing  technical/professional  courses  from  approved  National Assessment and Accreditation Council (NAAC) accredited HEIs/National Board of Accreditation (NBA) accredited courses, whose annual family income is up to ₹ 4.5 lakhs and for education loans up to ₹ 10 lakhs, during the moratorium period. There is no upper limit on number of student beneficiaries for this Scheme.

Further under the CGFSEL Scheme, credit guarantee is provided by government for loans upto ₹ 7.5 lakhs for students from all income groups. There is no upper limit on number of student beneficiaries for this Scheme.

In PM-Vidyalaxmi scheme too, a 3% interest subvention support during moratorium period (course period plus one year) is given every year up to one lakh fresh students having an annual family  income  of  up  to  ₹  8  lakhs  and  not  eligible  for  benefits  under  any  other  government scholarship or interest subvention schemes on education loans. An outlay of ₹ 3,600 Crore has been made during 2024-25 to 2030-31, and 7 lakh fresh students are expected to get the benefit of this interest subvention during the period.

The  DFS  and  RBI  have  informed  that  data  on  all  types  of  education  loans  were  not maintained centrally earlier. In February 2025, a simple 2-page and completely digital application process for education loans have been launched through the portal https://pmvidyalaxmi.co.in The details of Education Loans applied, sanctioned and disbursed during the financial year 202526, from 1 st April 2025 to 28 th February 2026, at the all-India level is as under:

| Annual Income of student's family   | No. of applications received   | No. of applications withdrawn/ closed by students   | No. of applications rejected   | No. of applications pending with student for clarification/ banks for processing   | No. of applications sanctioned   |
|-------------------------------------|--------------------------------|-----------------------------------------------------|--------------------------------|------------------------------------------------------------------------------------|----------------------------------|
| Up to ₹ 4.5 lakhs                   | 4,57,976                       | 1,68,734                                            | 24,915                         | 25,375                                                                             | 2,38,952                         |
| ₹ 4.5 lakhs to ₹ 8 lakhs            | 94,073                         | 33,204                                              | 4,588                          | 4,713                                                                              | 51,568                           |
| More than ₹ 8 lakhs                 | 96,922                         | 31,289                                              | 3,674                          | 4,648                                                                              | 57,311                           |
| Total                               | 6,48,971                       | 2,33,227                                            | 33,177                         | 34,736                                                                             | 3,47,831                         |

It may be seen that, at all-India level, more than 83% of the education loans were sanctioned to students with annual family income of up to ₹ 8 lakhs. A State-wise statement is given at the Annexure.

In  addition,  in  2024-25,  more  than  95  lakh  scholarships  were  provided  by  different Ministries in central government to students of post matric and higher education.

Thus, the IBA-MELS, PM Vidyalaxmi, PM-USP CSIS and PM USP CGFSEL schemes, along with the various scholarships together provide holistic support to all deserving students to pursue higher education in quality HEIs and technical/professional education in approved HEIs.

With respect to moratorium period, the Model Education Loan Scheme, inter alia, provides that:

- i. While EMI based repayment is the generally accepted practice, many times the salary levels at the start of the career may not facilitate comfortable payment of EMI in certain cases  (e.g.  professionals  like  Doctors).  Telescoping  of  repayment  with  stepped  up instalments with passage of time may be considered in such cases.
- ii. Banks may also provide for moratorium taking into account spells of under-employment/ unemployment, say two or three times (maximum of 6 months at a time) during the life cycle of the loan.
- iii. Banks may also encourage student borrowers who want to set up start-up units by giving moratorium on repayment of principal and interest during incubation period which may be considered up to 2 years.

*****

ANNEXURE

ANNEXURE REFERRED TO IN REPLY OF PART(A) TO (C) OF THE LOK SABHA STARRED QUESTION NO. 425 ANSWERED ON 23.03.2026 ASKED BY SHRI LAVU SRI KRISHNA DEVARAYALU, HON'BLE MEMBER OF PARLIAMENT REGARDING 'EDUCATION LOANS FOR STUDENTS BELONGING TO BPL'

| State/ UT                  | Annual Family Income of student's family   | No. of applicati ons received   | No. of application s withdrawn /closed by students   | No. of applicati ons rejected   | No. of applications pending with student for clarification/ banks for processing   | No. of applications sanctioned   |
|----------------------------|--------------------------------------------|---------------------------------|------------------------------------------------------|---------------------------------|------------------------------------------------------------------------------------|----------------------------------|
| ANDAMANAND NICOBAR ISLANDS | Total                                      | 441                             | 197                                                  | 33                              | 9                                                                                  | 202                              |
| ANDAMANAND NICOBAR ISLANDS | Up to Rs. 4.5 lakhs                        | 248                             | 113                                                  | 18                              | 7                                                                                  | 110                              |
| ANDAMANAND NICOBAR ISLANDS | ₹ 4.5 lakhs - ₹ 8 lakhs                    | 95                              | 40                                                   | 8                               | 1                                                                                  | 46                               |
| ANDAMANAND NICOBAR ISLANDS | Above ₹ 8 lakhs                            | 98                              | 44                                                   | 7                               | 1                                                                                  | 46                               |
| ANDHRA PRADESH             | Total                                      | 40,631                          | 12,654                                               | 1,989                           | 1,429                                                                              | 24,559                           |
| ANDHRA PRADESH             | Up to Rs. 4.5 lakhs                        | 28,051                          | 8,959                                                | 1,455                           | 1,013                                                                              | 16,624                           |
| ANDHRA PRADESH             | ₹ 4.5 lakhs - ₹ 8 lakhs                    | 5,760                           | 1,740                                                | 278                             | 203                                                                                | 3,539                            |
| ANDHRA PRADESH             | Above ₹ 8 lakhs                            | 6,820                           | 1,955                                                | 256                             | 213                                                                                | 4,396                            |
| ARUNACHAL PRADESH          | Total                                      | 163                             | 79                                                   | 9                               | 8                                                                                  | 67                               |
| ARUNACHAL PRADESH          | Up to Rs. 4.5 lakhs                        | 100                             | 51                                                   | 5                               | 7                                                                                  | 37                               |
| ARUNACHAL PRADESH          | ₹ 4.5 lakhs - ₹ 8 lakhs                    | 38                              | 21                                                   | 1                               | 1                                                                                  | 15                               |
| ARUNACHAL PRADESH          | Above ₹ 8 lakhs                            | 25                              | 7                                                    | 3                               | 0                                                                                  | 15                               |
| ASSAM                      | Total                                      | 9,289                           | 4,065                                                | 732                             | 414                                                                                | 4,078                            |
| ASSAM                      | Up to Rs. 4.5 lakhs                        | 6,417                           | 2,961                                                | 558                             | 294                                                                                | 2,604                            |
| ASSAM                      | ₹ 4.5 lakhs - ₹ 8 lakhs                    | 1,741                           | 707                                                  | 112                             | 77                                                                                 | 845                              |
| ASSAM                      | Above ₹ 8 lakhs                            | 1,131                           | 397                                                  | 62                              | 43                                                                                 | 629                              |
| BIHAR                      | Total                                      | 20,103                          | 8,783                                                | 991                             | 968                                                                                | 9,361                            |
| BIHAR                      | Up to Rs. 4.5 lakhs                        | 12,664                          | 5,875                                                | 624                             | 611                                                                                | 5,554                            |
| BIHAR                      | ₹ 4.5 lakhs - ₹ 8 lakhs                    | 4,939                           | 2,045                                                | 267                             | 247                                                                                | 2,380                            |
| BIHAR                      | Above ₹ 8 lakhs                            | 2,500                           | 863                                                  | 100                             | 110                                                                                | 1,427                            |
| CHANDIGARH                 | Total                                      | 655                             | 246                                                  | 23                              | 36                                                                                 | 350                              |

| State/ UT        | Annual Family Income of student's family   | No. of applicati ons received   | No. of application s withdrawn /closed by students   |   No. of applicati ons rejected |   No. of applications pending with student for clarification/ banks for processing | No. of applications sanctioned   |
|------------------|--------------------------------------------|---------------------------------|------------------------------------------------------|---------------------------------|------------------------------------------------------------------------------------|----------------------------------|
|                  | Up to Rs. 4.5 lakhs                        | 181                             | 79                                                   |                               8 |                                                                                 11 | 83                               |
|                  | ₹ 4.5 lakhs - ₹ 8 lakhs                    | 139                             | 48                                                   |                               4 |                                                                                  8 | 79                               |
|                  | Above ₹ 8 lakhs                            | 335                             | 119                                                  |                              11 |                                                                                 17 | 188                              |
| CHHATTISGARH     | Total                                      | 4,327                           | 1,279                                                |                             248 |                                                                                189 | 2,611                            |
| CHHATTISGARH     | Up to Rs. 4.5 lakhs                        | 2,252                           | 758                                                  |                             141 |                                                                                108 | 1,245                            |
| CHHATTISGARH     | ₹ 4.5 lakhs - ₹ 8 lakhs                    | 1,020                           | 266                                                  |                              62 |                                                                                 45 | 647                              |
| CHHATTISGARH     | Above ₹ 8 lakhs                            | 1,055                           | 255                                                  |                              45 |                                                                                 36 | 719                              |
| DELHI            | Total                                      | 14,074                          | 5,302                                                |                             541 |                                                                                806 | 7,425                            |
| DELHI            | Up to Rs. 4.5 lakhs                        | 6,678                           | 2,698                                                |                             249 |                                                                                410 | 3,321                            |
| DELHI            | ₹ 4.5 lakhs - ₹ 8 lakhs                    | 3,193                           | 1,187                                                |                             159 |                                                                                185 | 1,662                            |
| DELHI            | Above ₹ 8 lakhs                            | 4,203                           | 1,417                                                |                             133 |                                                                                211 | 2,442                            |
| GOA              | Total                                      | 933                             | 296                                                  |                              38 |                                                                                 54 | 545                              |
| GOA              | Up to Rs. 4.5 lakhs                        | 455                             | 148                                                  |                              22 |                                                                                 32 | 253                              |
| GOA              | ₹ 4.5 lakhs - ₹ 8 lakhs                    | 188                             | 60                                                   |                               9 |                                                                                 13 | 106                              |
| GOA              | Above ₹ 8 lakhs                            | 290                             | 88                                                   |                               7 |                                                                                  9 | 186                              |
| GUJARAT          | Total                                      | 12,865                          | 4,364                                                |                             653 |                                                                                659 | 7,189                            |
| GUJARAT          | Up to Rs. 4.5 lakhs                        | 5,944                           | 2,168                                                |                             367 |                                                                                314 | 3,095                            |
| GUJARAT          | ₹ 4.5 lakhs - ₹ 8 lakhs                    | 3,348                           | 1,131                                                |                             170 |                                                                                173 | 1,874                            |
| GUJARAT          | Above ₹ 8 lakhs                            | 3,573                           | 1,065                                                |                             116 |                                                                                172 | 2,220                            |
| HARYANA          | Total                                      | 13,702                          | 5,277                                                |                             673 |                                                                                835 | 6,917                            |
| HARYANA          | Up to Rs. 4.5 lakhs                        | 6,493                           | 2,707                                                |                             365 |                                                                                394 | 3,027                            |
| HARYANA          | ₹ 4.5 lakhs - ₹ 8 lakhs                    | 3,222                           | 1,204                                                |                             163 |                                                                                204 | 1,651                            |
| HARYANA          | Above ₹ 8 lakhs                            | 3,987                           | 1,366                                                |                             145 |                                                                                237 | 2,239                            |
| HIMACHAL PRADESH | Total                                      | 3,491                           | 945                                                  |                             173 |                                                                                144 | 2,229                            |
| HIMACHAL PRADESH | Up to Rs. 4.5 lakhs                        | 2,166                           | 596                                                  |                             127 |                                                                                 93 | 1,350                            |
| HIMACHAL PRADESH | ₹ 4.5 lakhs - ₹ 8 lakhs                    | 740                             | 189                                                  |                              20 |                                                                                 34 | 497                              |

| State/ UT         | Annual Family Income of student's family   | No. of applicati ons received   | No. of application s withdrawn /closed by students   | No. of applicati ons rejected   | No. of applications pending with student for clarification/ banks for processing   | No. of applications sanctioned   |
|-------------------|--------------------------------------------|---------------------------------|------------------------------------------------------|---------------------------------|------------------------------------------------------------------------------------|----------------------------------|
|                   | Above ₹ 8 lakhs                            | 585                             | 160                                                  | 26                              | 17                                                                                 | 382                              |
| JAMMU AND KASHMIR | Total                                      | 3,505                           | 1,148                                                | 66                              | 548                                                                                | 1,743                            |
| JAMMU AND KASHMIR | Up to Rs. 4.5 lakhs                        | 1,577                           | 557                                                  | 36                              | 270                                                                                | 714                              |
| JAMMU AND KASHMIR | ₹ 4.5 lakhs - ₹ 8 lakhs                    | 910                             | 278                                                  | 17                              | 133                                                                                | 482                              |
| JAMMU AND KASHMIR | Above ₹ 8 lakhs                            | 1,018                           | 313                                                  | 13                              | 145                                                                                | 547                              |
| JHARKHAND         | Total                                      | 14,633                          | 5,701                                                | 473                             | 701                                                                                | 7,758                            |
| JHARKHAND         | Up to Rs. 4.5 lakhs                        | 9,716                           | 4,034                                                | 283                             | 482                                                                                | 4,917                            |
| JHARKHAND         | ₹ 4.5 lakhs - ₹ 8 lakhs                    | 2,784                           | 990                                                  | 109                             | 134                                                                                | 1,551                            |
| JHARKHAND         | Above ₹ 8 lakhs                            | 2,133                           | 677                                                  | 81                              | 85                                                                                 | 1,290                            |
| KARNATAKA         | Total                                      | 89,865                          | 30,273                                               | 4,494                           | 6,554                                                                              | 48,544                           |
| KARNATAKA         | Up to Rs. 4.5 lakhs                        | 74,745                          | 25,052                                               | 3,848                           | 5,762                                                                              | 40,083                           |
| KARNATAKA         | ₹ 4.5 lakhs - ₹ 8 lakhs                    | 7,113                           | 2,502                                                | 341                             | 374                                                                                | 3,896                            |
| KARNATAKA         | Above ₹ 8 lakhs                            | 8,007                           | 2,719                                                | 305                             | 418                                                                                | 4,565                            |
| KERALA            | Total                                      | 82,210                          | 23,718                                               | 3,910                           | 4,697                                                                              | 49,885                           |
| KERALA            | Up to Rs. 4.5 lakhs                        | 69,704                          | 20,230                                               | 3,486                           | 3,998                                                                              | 41,990                           |
| KERALA            | ₹ 4.5 lakhs - ₹ 8 lakhs                    | 6,065                           | 1,741                                                | 244                             | 330                                                                                | 3,750                            |
| KERALA            | Above ₹ 8 lakhs                            | 6,441                           | 1,747                                                | 180                             | 369                                                                                | 4,145                            |
| LADAKH            | Total                                      | 17                              | 4                                                    | 1                               | 3                                                                                  | 9                                |
| LADAKH            | Up to Rs. 4.5 lakhs                        | 13                              | 4                                                    | 1                               | 2                                                                                  | 6                                |
| LADAKH            | ₹ 4.5 lakhs - ₹ 8 lakhs                    | 2                               | 0                                                    | 0                               | 1                                                                                  | 1                                |
| LADAKH            | Above ₹ 8 lakhs                            | 2                               | 0                                                    | 0                               | 0                                                                                  | 2                                |
| LAKSHADWEEP       | Total                                      | 17                              | 7                                                    | 1                               | 2                                                                                  | 7                                |
| LAKSHADWEEP       | Up to Rs. 4.5 lakhs                        | 9                               | 4                                                    | 0                               | 0                                                                                  | 5                                |
| LAKSHADWEEP       | ₹ 4.5 lakhs - ₹ 8 lakhs                    | 4                               | 2                                                    | 0                               | 1                                                                                  | 1                                |
| LAKSHADWEEP       | Above ₹ 8 lakhs                            | 4                               | 1                                                    | 1                               | 1                                                                                  | 1                                |
| MADHYAPRADESH     | Total                                      | 22,728                          | 8,065                                                | 1,032                           | 1,084                                                                              | 12,547                           |

| State/ UT   | Annual Family Income of student's family   | No. of applicati ons received   | No. of application s withdrawn /closed by students   | No. of applicati ons rejected   | No. of applications pending with student for clarification/ banks for processing   | No. of applications sanctioned   |
|-------------|--------------------------------------------|---------------------------------|------------------------------------------------------|---------------------------------|------------------------------------------------------------------------------------|----------------------------------|
|             | Up to Rs. 4.5 lakhs                        | 15,135                          | 5,714                                                | 751                             | 743                                                                                | 7,927                            |
|             | ₹ 4.5 lakhs - ₹ 8 lakhs                    | 4,496                           | 1,482                                                | 176                             | 206                                                                                | 2,632                            |
|             | Above ₹ 8 lakhs                            | 3,097                           | 869                                                  | 105                             | 135                                                                                | 1,988                            |
| MAHARASHTRA | Total                                      | 61,113                          | 22,772                                               | 3,268                           | 3,195                                                                              | 31,878                           |
| MAHARASHTRA | Up to Rs. 4.5 lakhs                        | 37,657                          | 14,633                                               | 2,238                           | 1,953                                                                              | 18,833                           |
| MAHARASHTRA | ₹ 4.5 lakhs - ₹ 8 lakhs                    | 10,411                          | 3,788                                                | 526                             | 551                                                                                | 5,546                            |
| MAHARASHTRA | Above ₹ 8 lakhs                            | 13,045                          | 4,351                                                | 504                             | 691                                                                                | 7,499                            |
| MANIPUR     | Total                                      | 1,119                           | 468                                                  | 102                             | 109                                                                                | 440                              |
| MANIPUR     | Up to Rs. 4.5 lakhs                        | 850                             | 351                                                  | 75                              | 88                                                                                 | 336                              |
| MANIPUR     | ₹ 4.5 lakhs - ₹ 8 lakhs                    | 153                             | 66                                                   | 19                              | 11                                                                                 | 57                               |
| MANIPUR     | Above ₹ 8 lakhs                            | 116                             | 51                                                   | 8                               | 10                                                                                 | 47                               |
| MEGHALAYA   | Total                                      | 1,580                           | 540                                                  | 65                              | 79                                                                                 | 896                              |
| MEGHALAYA   | Up to Rs. 4.5 lakhs                        | 1,308                           | 468                                                  | 56                              | 62                                                                                 | 722                              |
| MEGHALAYA   | ₹ 4.5 lakhs - ₹ 8 lakhs                    | 157                             | 37                                                   | 6                               | 10                                                                                 | 104                              |
| MEGHALAYA   | Above ₹ 8 lakhs                            | 115                             | 35                                                   | 3                               | 7                                                                                  | 70                               |
| MIZORAM     | Total                                      | 164                             | 78                                                   | 8                               | 16                                                                                 | 62                               |
| MIZORAM     | Up to Rs. 4.5 lakhs                        | 117                             | 54                                                   | 6                               | 13                                                                                 | 44                               |
| MIZORAM     | ₹ 4.5 lakhs - ₹ 8 lakhs                    | 30                              | 18                                                   | 2                               | 1                                                                                  | 9                                |
| MIZORAM     | Above ₹ 8 lakhs                            | 17                              | 6                                                    | 0                               | 2                                                                                  | 9                                |
| NAGALAND    | Total                                      | 544                             | 243                                                  | 26                              | 21                                                                                 | 254                              |
| NAGALAND    | Up to Rs. 4.5 lakhs                        | 413                             | 197                                                  | 22                              | 13                                                                                 | 181                              |
| NAGALAND    | ₹ 4.5 lakhs - ₹ 8 lakhs                    | 78                              | 31                                                   | 2                               | 3                                                                                  | 42                               |
| NAGALAND    | Above ₹ 8 lakhs                            | 53                              | 15                                                   | 2                               | 5                                                                                  | 31                               |
| ODISHA      | Total                                      | 15,987                          | 5,495                                                | 1,023                           | 683                                                                                | 8,786                            |
| ODISHA      | Up to Rs. 4.5 lakhs                        | 11,461                          | 4,087                                                | 820                             | 514                                                                                | 6,040                            |
| ODISHA      | ₹ 4.5 lakhs - ₹ 8 lakhs                    | 2,495                           | 841                                                  | 127                             | 108                                                                                | 1,419                            |

| State/ UT   | Annual Family Income of student's family   | No. of applicati ons received   | No. of application s withdrawn /closed by students   | No. of applicati ons rejected   | No. of applications pending with student for clarification/ banks for processing   | No. of applications sanctioned   |
|-------------|--------------------------------------------|---------------------------------|------------------------------------------------------|---------------------------------|------------------------------------------------------------------------------------|----------------------------------|
|             | Above ₹ 8 lakhs                            | 2,031                           | 567                                                  | 76                              | 61                                                                                 | 1,327                            |
| PUDUCHERRY  | Total                                      | 1,479                           | 536                                                  | 85                              | 80                                                                                 | 778                              |
| PUDUCHERRY  | Up to Rs. 4.5 lakhs                        | 1,027                           | 379                                                  | 69                              | 55                                                                                 | 524                              |
| PUDUCHERRY  | ₹ 4.5 lakhs - ₹ 8 lakhs                    | 200                             | 63                                                   | 8                               | 12                                                                                 | 117                              |
| PUDUCHERRY  | Above ₹ 8 lakhs                            | 252                             | 94                                                   | 8                               | 13                                                                                 | 137                              |
| PUNJAB      | Total                                      | 7,947                           | 2,817                                                | 468                             | 611                                                                                | 4,051                            |
| PUNJAB      | Up to Rs. 4.5 lakhs                        | 2,611                           | 970                                                  | 164                             | 193                                                                                | 1,284                            |
| PUNJAB      | ₹ 4.5 lakhs - ₹ 8 lakhs                    | 2,605                           | 924                                                  | 170                             | 214                                                                                | 1,297                            |
| PUNJAB      | Above ₹ 8 lakhs                            | 2,731                           | 923                                                  | 134                             | 204                                                                                | 1,470                            |
| RAJASTHAN   | Total                                      | 18,458                          | 6,897                                                | 1,016                           | 752                                                                                | 9,793                            |
| RAJASTHAN   | Up to Rs. 4.5 lakhs                        | 9,506                           | 3,886                                                | 600                             | 441                                                                                | 4,579                            |
| RAJASTHAN   | ₹ 4.5 lakhs - ₹ 8 lakhs                    | 4,698                           | 1,604                                                | 239                             | 161                                                                                | 2,694                            |
| RAJASTHAN   | Above ₹ 8 lakhs                            | 4,254                           | 1,407                                                | 177                             | 150                                                                                | 2,520                            |
| SIKKIM      | Total                                      | 266                             | 101                                                  | 19                              | 16                                                                                 | 130                              |
| SIKKIM      | Up to Rs. 4.5 lakhs                        | 190                             | 73                                                   | 16                              | 8                                                                                  | 93                               |
| SIKKIM      | ₹ 4.5 lakhs - ₹ 8 lakhs                    | 37                              | 14                                                   | 2                               | 4                                                                                  | 17                               |
| SIKKIM      | Above ₹ 8 lakhs                            | 39                              | 14                                                   | 1                               | 4                                                                                  | 20                               |
| TAMIL NADU  | Total                                      | 1,08,710                        | 42,579                                               | 5,615                           | 5,399                                                                              | 55,117                           |
| TAMIL NADU  | Up to Rs. 4.5 lakhs                        | 89,125                          | 35,519                                               | 4,755                           | 4,546                                                                              | 44,305                           |
| TAMIL NADU  | ₹ 4.5 lakhs - ₹ 8 lakhs                    | 9,391                           | 3,515                                                | 440                             | 422                                                                                | 5,014                            |
| TAMIL NADU  | Above ₹ 8 lakhs                            | 10,194                          | 3,545                                                | 420                             | 431                                                                                | 5,798                            |
| TELANGANA   | Total                                      | 19,872                          | 7,775                                                | 1,244                           | 633                                                                                | 10,220                           |
| TELANGANA   | Up to Rs. 4.5 lakhs                        | 10,640                          | 4,461                                                | 767                             | 343                                                                                | 5,069                            |
| TELANGANA   | ₹ 4.5 lakhs - ₹ 8 lakhs                    | 3,400                           | 1,318                                                | 217                             | 109                                                                                | 1,756                            |
| TELANGANA   | Above ₹ 8 lakhs                            | 5,832                           | 1,996                                                | 260                             | 181                                                                                | 3,395                            |
| TELANGANA   | Total                                      | 215                             | 76                                                   | 5                               | 12                                                                                 | 122                              |

| State/ UT                                  | Annual Family Income of student's family   | No. of applicati ons received   | No. of application s withdrawn /closed by students   | No. of applicati ons rejected   | No. of applications pending with student for clarification/ banks for processing   | No. of applications sanctioned   |
|--------------------------------------------|--------------------------------------------|---------------------------------|------------------------------------------------------|---------------------------------|------------------------------------------------------------------------------------|----------------------------------|
| THE DADRA AND NAGAR HAVELI ANDDAMANAND DIU | Up to Rs. 4.5 lakhs                        | 75                              | 35                                                   | 2                               | 3                                                                                  | 35                               |
| THE DADRA AND NAGAR HAVELI ANDDAMANAND DIU | ₹ 4.5 lakhs - ₹ 8 lakhs                    | 75                              | 21                                                   | 3                               | 6                                                                                  | 45                               |
| THE DADRA AND NAGAR HAVELI ANDDAMANAND DIU | Above ₹ 8 lakhs                            | 65                              | 20                                                   | 0                               | 3                                                                                  | 42                               |
| TRIPURA                                    | Total                                      | 1,508                           | 561                                                  | 140                             | 127                                                                                | 680                              |
| TRIPURA                                    | Up to Rs. 4.5 lakhs                        | 1,207                           | 454                                                  | 126                             | 110                                                                                | 517                              |
| TRIPURA                                    | ₹ 4.5 lakhs - ₹ 8 lakhs                    | 158                             | 60                                                   | 7                               | 5                                                                                  | 86                               |
| TRIPURA                                    | Above ₹ 8 lakhs                            | 143                             | 47                                                   | 7                               | 12                                                                                 | 77                               |
| UTTAR PRADESH                              | Total                                      | 51,175                          | 20,585                                               | 2,682                           | 2,529                                                                              | 25,379                           |
| UTTAR PRADESH                              | Up to Rs. 4.5 lakhs                        | 33,525                          | 14,337                                               | 1,933                           | 1,603                                                                              | 15,652                           |
| UTTAR PRADESH                              | ₹ 4.5 lakhs - ₹ 8 lakhs                    | 9,494                           | 3,559                                                | 444                             | 488                                                                                | 5,003                            |
| UTTAR PRADESH                              | Above ₹ 8 lakhs                            | 8,156                           | 2,689                                                | 305                             | 438                                                                                | 4,724                            |
| UTTARAKHAND                                | Total                                      | 7,362                           | 2,370                                                | 332                             | 299                                                                                | 4,361                            |
| UTTARAKHAND                                | Up to Rs. 4.5 lakhs                        | 4,226                           | 1,424                                                | 194                             | 168                                                                                | 2,440                            |
| UTTARAKHAND                                | ₹ 4.5 lakhs - ₹ 8 lakhs                    | 1,665                           | 513                                                  | 85                              | 60                                                                                 | 1,007                            |
| UTTARAKHAND                                | Above ₹ 8 lakhs                            | 1,471                           | 433                                                  | 53                              | 71                                                                                 | 914                              |
| WEST BENGAL                                | Total                                      | 17,823                          | 6,931                                                | 999                             | 1,035                                                                              | 8,858                            |
| WEST BENGAL                                | Up to Rs. 4.5 lakhs                        | 11,490                          | 4,698                                                | 728                             | 711                                                                                | 5,353                            |
| WEST BENGAL                                | ₹ 4.5 lakhs - ₹ 8 lakhs                    | 3,229                           | 1,199                                                | 151                             | 178                                                                                | 1,701                            |
| WEST BENGAL                                | Above ₹ 8 lakhs                            | 3,104                           | 1,034                                                | 120                             | 146                                                                                | 1,804                            |
| ALL INDIA                                  | Total                                      | 6,48,971                        | 2,33,227                                             | 33,177                          | 34,736                                                                             | 3,47,831                         |
| ALL INDIA                                  | Up to Rs. 4.5 lakhs                        | 4,57,976                        | 1,68,734                                             | 24,915                          | 25,375                                                                             | 2,38,952                         |
| ALL INDIA                                  | ₹ 4.5 lakhs - ₹ 8 lakhs                    | 94,073                          | 33,204                                               | 4,588                           | 4,713                                                                              | 51,568                           |
| ALL INDIA                                  | Above ₹ 8 lakhs                            | 96,922                          | 31,289                                               | 3,674                           | 4,648                                                                              | 57,311                           |