Dena Vidya Laxmi Educational Loan Scheme


The Topper for your children€™s Higher Education

Ensure a bright future for your children. Provide them with the best of higher education in India or abroad. Avail Dena Vidya Laxmi Educational Loan.

You are eligible if:

  • ·You are an Indian national and have secured admission to a professional or technical course in an Indian or Foreign university.
  • ·Simply walk in with the marksheet of the qualifying exam. and proof of admission.

Course Eligibility

Study in India:

Graduation courses, Post-Graduation courses, Masters & PhD, Professional courses.

Study Abroad:

Graduation for professional/ technical courses offered by reputed universities; Post Graduation (MCA, MBA, MS)

Loan Amount

  • ·Upto Rs.10 lakhs for studies in India.
  • ·Upto- Rs. 20 lakhs for studies abroad.

Loan takes care of :

  • ·Fee payable to colleges/ schools/ hostels
  • ·Examination/ Library/ Laboratory fees.
  • ·Purchase of books, equipment, instruments and uniforms.
  • ·Passage fare for travel abroad.
  • ·Purchase of computers needed to complete the course.
  • ·Any other expense to complete the course like study tours, project work, thesis etc.



  • €¢Upto Rs. 4 lakhs- NIL for study in India and abroad.
  • €¢Above Rs. 4 lakhs- 5% for study in India and 15% for study abroad.

 Rate of Interest

Please Check out the Interest Rates Section to find latest Interest Rates applicable.

1% p.a. interest concession if interest is serviced during study period.

For loans above Rs. 4 lacs, 1% p.a. interest concession for girl students including as applicable in Dena Shakti.

For loans above Rs. 4 lacs, 1% p.a. interest concession for IIM / IIT / ISB (Indian School of Business, Hyderabad) students.

Total concessions for loans above Rs. 4 lacs, excluding 1% interest concession for interest payment during moratorium period shall not exceed 2% p.a.


Process Fees

Rs.1000/- for studies abroad.


Moratorium- Course period + 1 year or 6 months after getting a job, whichever is earlier.

Repayment period- 5-7 years after start of repayment.

Click Here To Download Application Form

For any query, Please contact : Email:

Source : DENA BANK

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