How it works
From “we can't afford it” to “I'm enrolled.”
Four clear steps — and we're beside you for each one.
1
Check eligibility
Tell us your course, college and fees. We'll see what's possible, free.
2
We match your bank
We find a nationalised bank that fits your college and guide the terms.
3
We guide your forms
Documents and paperwork, checked before you submit at your branch.
4
You get funded
The bank sends the loan directly to your college. You focus on studying.
What you do vs what we do
- You: share your details, gather documents, and submit at your branch.
- We: confirm eligibility, pick the right bank, prepare your checklist, and check everything first.
- The bank: approves the loan and disburses it directly to your college.
Documents checklist (preview)
Admission letter, fee structure, mark sheets, ID/address proof, income proof, and a co-applicant. We give you the exact list when you apply.
Typical timeline
Approval usually takes a few weeks, depending on the bank and branch. We help you plan around your admission deadline.
Vidhyapay is a loan facilitator, not a lender. Final approval and terms rest with the bank. The bank disburses the loan directly to your college.