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Education Bank Loan in India : Dhanalakshmi Bank

Dhanam Vidya Credit is the most convenient way of supporting your child's education. You can now easily fund most education-related expenses including fees, boarding & lodging, air travel, insurance premiums, and computers etc.

Vidya Credit



  • Student should be Indian Nationality (for studies in India)
  • Student must be of Indian National having age greater than 18 years (for studies abroad).
  • Student should pass the qualifying examination for securing the admission.


  • For Higher studies in the India
    • Graduation and Post-graduation diploma or degree courses:
      • Computer Science or Computer Application.
      • Engineering courses.
      • Medical science, Pharmacy, Dental science.
      • Veterinary Sciences and Agriculture.
    • Post-graduation courses in General Science, Arts, Commerce offered by standard universities or colleges.
    • Post Graduation diploma in Computer Application from reputed universities.
  • Studies in abroad:
    • Under-graduate courses in Natural and Biological sciences, computers and engineering.
    • Post-graduation courses in as explained above and Business Administration.

Duration of course:

The course duration should not be more than five years in India and not more than three years for those studies abroad.

Details of Loan

Exposure of expenses:

  • Fees payable to the school, college or hostel
  • Laboratory, Examination, or Library fee
  • Fees required for purchasing equipments, books, uniforms or instruments.
  • Building funds, caution deposit, or the deposit which is refundable supported by the institution receipts or bills.
  • Passage money or travel expenses for those studies in abroad.
  • Buy the computers which are useful for the course.
  • Other expenses required for completion of course such as study tours, thesis, project work, etc.

Loan Amount:

Discipline Quantum of loan Period of loan include I.H Repayment
Engineering Rs.50,000 - 3,00,000 10 Years 60 M.I
Computer Application or Science Rs.50,000 - 2,00,000 8.5 Years 60 M.I
Medical,Pharmacy,Ayurvedic,Dental Rs.1,00,000 - 4,00,000 12 Years 78 M.I
P.G courses Rs.25,000 - 50,000 6.5 Years 48 M.I
Veterinary or Agricultural science Rs.50,000 - 1,50,000 10 Years 60 M.I
P.G.Diploma in Computers Rs.10,000 - 25,000 4.5 Years 35 M.I
Management Rs. 50,000 - 2,00,000 7.5 Years 60 M.I
Courses Abroad Rs.2,00,000 - 7,50,000 12 Years 84 M.I


  • No security is needed for the loan up to Rs. 4 lakh.
  • For the loan greater than Rs.4 lakh - Guarantee of third party, approved shares, NSC, bank deposit, IVP, insurance policy, etc is needed.

Documents Required:

  • Photo copies of all the previous exam certificates. Start from SSC examination.
  • Certificate from university or college which proves that student continuing education and must be submitted every year.


Moratorium or repayment period is 6 months after completion of course or getting job, whichever is earlier.

Details & Contact

Head Office
Thrissur 680 001, Kerala
Phone - (0487) 2335104, 2335131, 2335190, 2335177
Fax - (0487) 2335580, 2335367
Website -

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