₹7.5L
Without collateral
Fees never decide
your future.
Won a seat at a Karnataka college but the fees feel out of reach? We help Kerala students get an education loan from a nationalised bank — up to ₹7.5 lakh, even without collateral. We guide every step; the bank pays your college directly.
Free · No obligation · About 2 minutes
Facilitator, not a lender Zero platform fee Approved colleges only
Check eligibility2 min
Please fill in your name, state, course, Plus Two mark and fees.
Vidhyapay is a loan facilitator, not a lender. Final approval and terms rest with the bank.
Nationalised
Banks across India
Kerala
Apply from home
₹0
Platform fee
Where your loan comes from
Funded by trusted banks across India. Your loan comes from an established bank — not from us. We help you reach the right one and get approved.
We've got you
Worried it won't work for you?
The honest answers to what students ask us most.
? My college is in Karnataka, but I'm in Kerala.
That's exactly who we help. An approved Karnataka college (RGUHS / INC / AICTE) is fully loan-eligible, and you can apply from your home bank in Kerala.
? I have nothing to pledge as collateral.
Nationalised banks offer education loans up to ₹7.5 lakh with no collateral — nothing to pledge, no property needed.
? My family income is low.
That's okay. You can still get a collateral-free loan from a nationalised bank — we help you present your case clearly.
? I'm the first in my family to do this.
We walk you through every form and document in plain language. You won't figure it out alone.
Here to help 👋
Your guide
Meet Loan Buddy.
Doing this for the first time? Loan Buddy is the person in your corner — one guide who explains every form in plain language, checks your documents before the bank sees them, and answers on WhatsApp whenever you're stuck. You never figure it out alone.
Chat with Loan BuddyHow we help
Three ways we get you funded
From the first question to the money reaching your college.
Check your eligibility
In two minutes, see if you qualify for a loan up to ₹7.5L without collateral. Free.
Check eligibility →Loan application support
We match you to the right nationalised bank and guide every form until it's approved.
How it works →Counselling
Not sure which course, college, or loan is right? Talk to someone who's guided students like you.
Book a session →How it works
Four steps, and we're beside you
Our role is the application. The bank approves and sends the loan directly to your college.
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.
Up to ₹7.5 lakh — without collateral.
Nationalised banks across India offer education loans up to ₹7.5 lakh with no collateral — nothing to pledge, no property needed. We help you get it.
Check your eligibility- No collateralUp to ₹7.5L, nothing to pledge
- Learn today, pay laterRepay after your course, once you're earning
- Free guidanceNo platform fee — real people to help
“
I got a nursing seat in Mangalore but we couldn't arrange the fees. Vidhyapay found me a collateral-free loan through our bank in Kochi and helped with every form. I'm in my second year now.
Anjali M. · from Kochi, studying B.Sc Nursing in Mangalore
Don't let fees stop your future.
Checking is free and takes about two minutes. Let's see what's possible for you.
See if you qualifyVidhyapay is a loan facilitator, not a lender. Final approval and terms rest with the bank, and the bank disburses the loan directly to your college.