Lok Sabha Question No. 1493 (UNSTARRED), answered on 2026-02-09
Subject: Implementation of Pradhan Mantri Vidyalaxmi Scheme in Andhra Pradesh
Ministry: EDUCATION
Asked by: Shri G Lakshminarayana

## GOVERNMENT OF INDIA MINISTRY OF EDUCATION

## DEPARTMENT OF HIGHER EDUCATION

## LOK SABHA UNSTARRED QUESTION NO. 1493

ANSWERED ON- 09/02/2026

## IMPLEMENTATION OF PRADHAN MANTRI VIDYALAXMI SCHEME IN ANDHRA PRADESH

## 1493. Shri G Lakshminarayana:

Will the Minister of EDUCATION be pleased to state:

(a)  the  number  of  students  who  have  availed  education  loans  and  interest  subvention  benefits  under  the Pradhan Mantri Vidyalaxmi Scheme across the States since its inception, year-wise and State/UT-wise, along with  district-wise,  category-wise  and  gender-wise  details  for  the  State  of  Andhra  Pradesh  including Anantapur;

(b) the details of funds sanctioned, released and utilised under the scheme during the current and the last financial  years,  year-wise  and  State-wise,  along  with  district-wise  details  for  Andhra  Pradesh  including Anantapur;

(c)  whether  the  Government  maintains  a  centralised  record  of  education  loans  of  Public  Sector  Banks classified as NPAs during the last five years and if so, the details thereof, State-wise and year-wise;

(d) the number of grievances filed, resolved and pending on Vidyalaxmi portal, State-wise including the State of Andhra Pradesh, along with reasons for pendency; and

(e) whether banks are meeting prescribed processing timelines on the Vidyalaxmi portal, if not, corrective steps taken in this regard?

## ANSWER

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

(a) to (e): Education is in the concurrent list and both the central government and State Governments work together for its improvement. The Government of India has launched the PM-Vidyalaxmi, a new central sector scheme in, 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 loan is provided to all the students who get merit-based admission in top Quality Higher Education Institutions (QHEIs) and who desire to avail the education loan and there is no upper limit for this. Further, for students with annual family income up to ₹ 8 lakh, the scheme provides 3% interest subvention on 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 Rs. 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. 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 25th February 2025.

State-wise information since the launch of portal on 25 th February, 2025, along with district-wise, categorywise and gender-wise details for the State of Andhra Pradesh related to the number of students who have availed education loans, education loan amount  sanctioned and disbursed under the PM Vidyalaxmi Scheme is available as Annexure-I at https://www.education.gov.in/en/parl\_ques.

Bank-wise and year-wise information related to education loans of Public Sector Banks classified as NPAs during the last five years received from Reserve Bank of India through Department from Financial Services (DFS) is available as Annexure-II at https://www.education.gov.in/en/parl\_ques.

State-wise information related to number of grievances filed, resolved and pending on PM Vidyalaxmi portal, including the State of Andhra Pradesh is available as Annexure-III at https://www.education.gov.in/en/parl\_ques .

The Department of Higher Education (DHE) had asked the Indian Banks' Association (IBA) to ensure and instruct banks to dispose grievances received on the PM Vidyalaxmi Portal within 10 days.

The  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 DFS, IBA and the banks to increase awareness among students of QHEIs.

***

ANNEXURE REFERRED TO IN REPLY OF PART(A) TO (E) OF THE LOK SABHA UNSTARRED  QUESTION  NO.  1493 FOR 09-02-2026 ASKED  BY  SHRI G LAKSHMINARAYANA REGARDING 'IMPLEMENTATION OF PRADHAN MANTRI VIDYALAXMI SCHEME IN ANDHRA PRADESH'

## STATE-WISE DATA OF PM VIDYALAXMI SCHEME FROM 25.02.2025 TO 31.01.2026

|   Sr No | Student State               |   No. of Applications Sanctioned |   Total Sanctioned Amount ₹ (in crores) |   No. of Applications Disbursed |   Total Amount Disbursed ₹ (in crores) |
|---------|-----------------------------|----------------------------------|-----------------------------------------|---------------------------------|----------------------------------------|
|       1 | Andaman and Nicobar Islands |                               33 |                                    6.01 |                              26 |                                   1.03 |
|       2 | Andhra Pradesh              |                             5059 |                                  579.76 |                            4405 |                                 102.93 |
|       3 | Arunachal Pradesh           |                               16 |                                    2.94 |                              13 |                                   0.31 |
|       4 | Assam                       |                              789 |                                   79.96 |                             679 |                                  14.86 |
|       5 | Bihar                       |                             3397 |                                  397.78 |                            2968 |                                  66.45 |
|       6 | Chandigarh                  |                              134 |                                   21.63 |                             113 |                                   3.48 |
|       7 | Chhattisgarh                |                              560 |                                   83.05 |                             480 |                                  14.26 |
|       8 | Delhi                       |                             3144 |                                  455.32 |                            2860 |                                  81.6  |
|       9 | Goa                         |                              130 |                                   18.63 |                             115 |                                   4.1  |
|      10 | Gujarat                     |                             1329 |                                  227.98 |                            1208 |                                  40.19 |
|      11 | Haryana                     |                             2259 |                                  349.79 |                            2031 |                                  57.05 |
|      12 | Himachal Pradesh            |                              517 |                                   48.32 |                             452 |                                   7.75 |
|      13 | Jammu and Kashmir           |                              259 |                                   27    |                             226 |                                   5.2  |
|      14 | Jharkhand                   |                             2065 |                                  274.36 |                            1753 |                                  44.36 |
|      15 | Karnataka                   |                             3077 |                                  351.44 |                            2725 |                                  78.7  |
|      16 | Kerala                      |                             2920 |                                  328.4  |                            2397 |                                  60.52 |
|      17 | Ladakh                      |                                4 |                                    0.62 |                               4 |                                   0.12 |
|      18 | Lakshadweep                 |                                1 |                                    0.04 |                               0 |                                   0    |
|      19 | Madhya Pradesh              |                             2559 |                                  371.57 |                            2330 |                                  66.18 |
|      20 | Maharashtra                 |                             5193 |                                  798.1  |                            4662 |                                 148.86 |
|      21 | Manipur                     |                               50 |                                    5.07 |                              44 |                                   0.88 |
|      22 | Meghalaya                   |                               83 |                                    8.88 |                              74 |                                   1.52 |
|      23 | Mizoram                     |                               16 |                                    2.44 |                              13 |                                   0.32 |
|      24 | Nagaland                    |                               29 |                                    3.18 |                              25 |                                   0.62 |
|      25 | Odisha                      |                             2153 |                                  251.87 |                            1852 |                                  45.34 |
|      26 | Puducherry                  |                              100 |                                   10.62 |                              89 |                                   2.4  |
|      27 | Punjab                      |                             1193 |                                  175.75 |                            1051 |                                  27.6  |
|      28 | Rajasthan                   |                             2769 |                                  394.94 |                            2462 |                                  62.6  |
|      29 | Sikkim                      |                               12 |                                    2.09 |                               9 |                                   0.82 |
|      30 | Tamil Nadu                  |                             5234 |                                  523.86 |                            4316 |                                 115.08 |

| Sr No   | Student State                                |   No. of Applications Sanctioned |   Total Sanctioned Amount ₹ (in crores) |   No. of Applications Disbursed |   Total Amount Disbursed ₹ (in crores) |
|---------|----------------------------------------------|----------------------------------|-----------------------------------------|---------------------------------|----------------------------------------|
| 31      | Telangana                                    |                             2137 |                                  306.43 |                            1920 |                                  48.86 |
| 32      | The Dadra and Nagar Haveli and Daman and Diu |                               26 |                                    3    |                              26 |                                   0.54 |
| 33      | Tripura                                      |                              105 |                                    9.09 |                              83 |                                   1.7  |
| 34      | Uttar Pradesh                                |                             7505 |                                  909.22 |                            6700 |                                 161.79 |
| 35      | Uttarakhand                                  |                             1021 |                                  121.9  |                             925 |                                  21.65 |
| 36      | West Bengal                                  |                             2000 |                                  321.77 |                            1769 |                                  56.27 |
|         | TOTAL                                        |                            57878 |                                 7472.81 |                           50805 |                                1345.94 |

## DISTRICT-WISE LOANS RECEIVED UNDER PM VIDYALAXMI SCHEME IN ANDHRA PRADESH FROM 25.02.2025 TO 31.01.2026

| Sr No   | Student District            |   No. of Applications Sanctioned |   Total Sanctioned Amount ₹ (in crores) |   No. of Applicatio ns Disbursed |   Total Amount Disbursed ₹ (in crores) |
|---------|-----------------------------|----------------------------------|-----------------------------------------|----------------------------------|----------------------------------------|
| 1       | Alluri Sitharama Raju       |                              356 |                                   41.59 |                              315 |                                   7.27 |
| 2       | Anakapalli                  |                               43 |                                    3.64 |                               36 |                                   0.59 |
| 3       | Anantapur                   |                              193 |                                   22.84 |                              176 |                                   4.28 |
| 4       | Annamayya                   |                               60 |                                    5.53 |                               53 |                                   1.03 |
| 5       | Bapatla                     |                               33 |                                    2.87 |                               29 |                                   0.5  |
| 6       | Chittoor                    |                              276 |                                   33.89 |                              249 |                                   8.15 |
| 7       | Dr. B.R. Ambedkar Konaseema |                               35 |                                    3.51 |                               27 |                                   0.49 |
| 8       | East Godavari               |                              477 |                                   56.94 |                              412 |                                   9.15 |
| 9       | Eluru                       |                               45 |                                    4.55 |                               41 |                                   0.78 |
| 10      | Guntur                      |                              538 |                                   55.03 |                              436 |                                   9.16 |
| 11      | Kakinada                    |                               85 |                                   10.36 |                               70 |                                   1.67 |
| 12      | Krishna                     |                              380 |                                   40.73 |                              312 |                                   6.71 |
| 13      | Kurnool                     |                              216 |                                   24.98 |                              183 |                                   4.72 |
| 14      | Nandyal                     |                               48 |                                    5.21 |                               39 |                                   0.77 |
| 15      | Ntr                         |                               87 |                                    9.37 |                               73 |                                   1.75 |
| 16      | Palnadu                     |                               45 |                                    5.24 |                               38 |                                   0.9  |
| 17      | Parvathipuram Manyam        |                               23 |                                    2.68 |                               21 |                                   0.58 |
| 18      | Prakasam                    |                              212 |                                   25.32 |                              186 |                                   3.84 |
| 19      | Spsr Nellore                |                              135 |                                   12.92 |                              120 |                                   2.52 |
| 20      | Sri Sathya Sai              |                               95 |                                    9.79 |                               78 |                                   2.01 |
| 21      | Srikakulam                  |                              255 |                                   30.3  |                              229 |                                   5.22 |
| 22      | Tirupati                    |                              113 |                                   12.43 |                              102 |                                   2.75 |
| 23      | Visakhapatanam              |                              602 |                                   82.53 |                              541 |                                  14.16 |
| 24      | Vizianagaram                |                              236 |                                   28.71 |                              210 |                                   4.45 |
| 25      | West Godavari               |                              313 |                                   32.01 |                              282 |                                   5.85 |
| 26      | Y.S.R.                      |                              158 |                                   16.79 |                              147 |                                   3.63 |
|         | Total                       |                             5059 |                                  579.76 |                             4405 |                                 102.93 |

CATEGORY-WISE LOANS RECEIVED UNDER PM VIDYALAXMI SCHEME IN ANDHRA PRADESH FROM 25.02.2025 TO 31.01.2026

| Sr No   | Student Category   |   No. of Applications Sanctioned |   Total Sanctioned Amount ₹ (in crores) |   No. of Applications Disbursed |   Total Amount Disbursed ₹ (in crores) |
|---------|--------------------|----------------------------------|-----------------------------------------|---------------------------------|----------------------------------------|
| 1       | EWS                |                              856 |                                   94.61 |                             744 |                                  15.3  |
| 2       | GEN                |                             1461 |                                  186.82 |                            1264 |                                  37.2  |
| 3       | NCOBC              |                              636 |                                   87.19 |                             577 |                                  13.84 |
| 4       | OBC                |                             1493 |                                  144.36 |                            1282 |                                  25.5  |
| 5       | SC                 |                              477 |                                   49.41 |                             411 |                                   8.24 |
| 6       | ST                 |                              136 |                                   17.37 |                             127 |                                   2.85 |
|         | TOTAL              |                             5059 |                                  579.76 |                            4405 |                                 102.93 |

GENDER-WISE  LOANS  RECEIVED  UNDER  PM  VIDYALAXMI  SCHEME  IN  ANDHRA PRADESH FROM 25.02.2025 TO 31.01.2026

| Sr No   | Student Gender   |   No. of Applications Sanctioned |   Total Sanctioned Amount ₹ (in crores) |   No. of Applicatio ns Disbursed |   Total Amount Disburse d ₹ (in crores) |
|---------|------------------|----------------------------------|-----------------------------------------|----------------------------------|-----------------------------------------|
| 1       | Female           |                             1459 |                                  172.06 |                             1256 |                                   30.43 |
| 2       | Male             |                             3600 |                                  407.7  |                             3149 |                                   72.5  |
|         | TOTAL            |                             5059 |                                  579.76 |                             4405 |                                  102.93 |

## BANK-WISE AND YEAR-WISE INFORMATION RELATED TO EDUCATION LOANS OF PUBLIC SECTOR BANKS CLASSIFIED AS NPAs DURING THE LAST FIVE YEARS

| Sr. No .   | Bank Name             |   2020- 2021 | 2021- 2022   |   2022- 2023 |   2023- 2024 |   2024- 2025 |
|------------|-----------------------|--------------|--------------|--------------|--------------|--------------|
| 1          | Bank of Baroda        |          142 | 216          |           63 |           98 |          121 |
| 2          | Bank of India         |          309 | 297          |          291 |          273 |          233 |
| 3          | Bank of Maharashtra   |           56 | 23           |           17 |            9 |            3 |
| 4          | Canara Bank           |          240 | 288          |          843 |          789 |          322 |
| 5          | Central Bank of India |          591 | 574          |          358 |          124 |          129 |
| 6          | Indian Bank           |          991 | 1,206        |          919 |          579 |          277 |
| 7          | Indian Overseas Bank  |          724 | 519          |          944 |          343 |          123 |
| 8          | Punjab and Sind Bank  |           18 | 15           |           13 |           12 |            5 |
| 9          | Punjab National Bank  |          968 | 941          |          893 |          733 |          431 |
| 10         | State Bank of India   |          728 | 544          |          372 |          382 |          336 |
| 11         | UCO Bank              |           89 | 111          |           97 |           28 |           21 |
| 12         | Union Bank of India   |          503 | 564          |          637 |          644 |          336 |
|            | Total                 |         5359 | 5298         |         5447 |         4014 |         2337 |

## ANNEXURE-III

## STATE-WISE DATA OF GRIEVANCES RECEIVED ON PM VIDYALAXMI PORTAL FROM 25.02.2025 TO 31.01.2026

| S. no   | STATE                                        |   RECEIVED |   RESOLVED |   PENDING |
|---------|----------------------------------------------|------------|------------|-----------|
| 1       | Andaman And Nicobar Islands                  |         15 |         15 |         0 |
| 2       | Andhra Pradesh                               |       1033 |        974 |        59 |
| 3       | Arunachal Pradesh                            |         15 |         15 |         0 |
| 4       | Assam                                        |        287 |        277 |        10 |
| 5       | Bihar                                        |       1767 |       1665 |       102 |
| 6       | Chandigarh                                   |         24 |         19 |         5 |
| 7       | Chhattisgarh                                 |        189 |        176 |        13 |
| 8       | Delhi                                        |       1025 |        955 |        70 |
| 9       | Goa                                          |         59 |         58 |         1 |
| 10      | Gujarat                                      |        555 |        486 |        69 |
| 11      | Haryana                                      |        825 |        780 |        45 |
| 12      | Himachal Pradesh                             |        100 |         97 |         3 |
| 13      | Jammu And Kashmir                            |        176 |        173 |         3 |
| 14      | Jharkhand                                    |        700 |        657 |        43 |
| 15      | Karnataka                                    |       2196 |       2061 |       135 |
| 16      | Kerala                                       |        966 |        897 |        69 |
| 17      | Ladakh                                       |          4 |          4 |         0 |
| 18      | Madhya Pradesh                               |       1131 |       1075 |        56 |
| 19      | Maharashtra                                  |       2533 |       2348 |       185 |
| 20      | Manipur                                      |         30 |         28 |         2 |
| 21      | Meghalaya                                    |         28 |         27 |         1 |
| 22      | Mizoram                                      |          2 |          2 |         0 |
| 23      | Nagaland                                     |         35 |         31 |         4 |
| 24      | Odisha                                       |        549 |        527 |        22 |
| 25      | Puducherry                                   |         28 |         26 |         2 |
| 26      | Punjab                                       |        299 |        283 |        16 |
| 27      | Rajasthan                                    |        998 |        930 |        68 |
| 28      | Sikkim                                       |          9 |          9 |         0 |
| 29      | Tamil Nadu                                   |       1954 |       1744 |       210 |
| 30      | Telangana                                    |        792 |        748 |        44 |
| 31      | The Dadra And Nagar Haveli And Daman And Diu |          9 |          8 |         1 |
| 32      | Tripura                                      |         48 |         46 |         2 |
| 33      | Uttar Pradesh                                |       3263 |       3054 |       209 |
| 34      | Uttarakhand                                  |        278 |        260 |        18 |
| 35      | West Bengal                                  |        841 |        795 |        46 |
| 36      | Not Available Due To Technical Glitch        |       2893 |       2893 |         0 |
|         | Total                                        |      25656 |      24143 |      1513 |