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Central Sector Interest Subsidy (CSIS) Scheme 2026 — 100% Interest Subsidy on Education Loans | vidyalakshmi.co.in

🏛️ Ministry of Education (Implementing through nodal banks)Last updated: 2026-05-18

💰 Benefit

100% interest subsidy on education loan up to ₹10 lakh (during study + 1 year moratorium) for EWS students

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Key Facts

Scholarship Amount: Interest subsidy on loan up to ₹10 lakh
Duration: Course duration + 1 year moratorium
Income Limit: Family annual income ≤ ₹4.5 lakh
Application Window: Year-round (during loan application)

Scholarship Amount	Interest subsidy on loan up to ₹10 lakh
Duration	Course duration + 1 year moratorium
Income Limit	Family annual income ≤ ₹4.5 lakh
Application Window	Year-round (during loan application)
Selection Process	Bank verifies eligibility → applies for subsidy → Ministry of Education disburses to bank

🎓 Apply via pmvidyalakshmi.co.in

https://pmvidyalakshmi.co.in

About CSIS Education Loan Subsidy

Central Sector Interest Subsidy Scheme (CSIS) provides 100% interest subsidy on education loans up to ₹10 lakh for students from economically weaker sections (family income ≤ ₹4.5 lakh) pursuing professional/technical courses in India. Subsidy applies during moratorium (study + 1 year). Implemented via PM Vidya Lakshmi portal and partner banks. Saves students ₹1-3 lakh in interest costs. Aim: ensure no poor student is denied education due to interest burden.

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✅ Eligibility

✓Indian citizen with family income ≤ ₹4.5 lakh
✓Pursuing professional/technical UG/PG course at NAAC-accredited Indian institution
✓Taken education loan from approved scheduled commercial bank under IBA model loan scheme
✓Admitted via entrance test or merit
✓Aadhaar mandatory

📄 Documents Required

📄Aadhaar Card
📄Income Certificate (≤ ₹4.5 lakh)
📄Education loan sanction letter from approved bank
📄Course admission letter (NAAC-accredited institute)
📄Class 12 / Bachelor's marksheet
📄Bank statements

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❓ FAQs — CSIS Education Loan Subsidy

▶CSIS kya hai 2026?

Central Sector Interest Subsidy Scheme — Ministry of Education provides 100% interest subsidy on education loans up to ₹10 lakh for students from families earning ≤ ₹4.5 lakh/year. Subsidy paid during moratorium (study duration + 1 year). After moratorium, student pays regular EMIs but no interest accumulated during study period.

▶CSIS eligibility 2026?

(1) Indian citizen with family income ≤ ₹4.5 lakh; (2) Pursuing professional/technical UG/PG at NAAC-accredited Indian institution; (3) Took education loan from approved scheduled commercial bank; (4) Admission via entrance test or merit; (5) Loan amount up to ₹10 lakh; (6) Aadhaar mandatory.

▶CSIS apply kaise karein 2026?

Step 1: Get admission to NAAC-accredited Indian institution. Step 2: Apply for education loan at pmvidyalakshmi.co.in (PM Vidya Lakshmi portal) or directly at SBI/HDFC/Canara Bank/PNB. Step 3: Declare CSIS eligibility in loan application. Step 4: Bank submits CSIS claim to Ministry. Step 5: Interest subsidy auto-applied to your loan account during study + 1 year.

▶CSIS vs PM Vidya Lakshmi vs Padho Pardesh — kya fark hai?

PM Vidya Lakshmi: Loan PORTAL (compare loans from multiple banks). CSIS: INTEREST SUBSIDY on education loan (₹10 lakh, India only, ≤ ₹4.5 lakh income). Padho Pardesh: Interest SUBSIDY for MINORITY students going ABROAD (₹20 lakh, ≤ ₹6 lakh income). Choose based on situation: General + India = CSIS. Minority + Abroad = Padho Pardesh.

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Central Sector Interest Subsidy (CSIS) Scheme 2026 — 100% Interest Subsidy on Education Loans | vidyalakshmi.co.in

Key Facts

About CSIS Education Loan Subsidy

✅ Eligibility

📄 Documents Required

❓ FAQs — CSIS Education Loan Subsidy

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