ISSN2320-2882
Impact Factor9.17
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ESTD2013
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Paper Title
Awareness and Perceived Benefits of the PM-Vidyalaxmi Scheme among Higher-Education Students
Authors
Dr. R. Natarajan , Dr. M. Vasan
Keywords
PM-Vidyalaxmi Scheme, Higher Education Financing, Education Loans, Financial Inclusion, Student Beneficiaries.
Abstract
Financial constraints remain a major barrier to higher education for students from disadvantaged backgrounds in India. The Pradhan Mantri Vidyalaxmi (PM-Vidyalaxmi) Scheme was introduced to provide collateral-free, income-linked education loans to support higher-education access. This study assessed the effectiveness of the PM-Vidyalaxmi Scheme among beneficiaries in Tamil Nadu. Using a descriptive and analytical research design, primary data were collected from 230 student beneficiaries across arts and science, engineering, medical and allied health, and teacher education institutions through a structured questionnaire. Descriptive statistics and single-sample t-tests were employed for data analysis. The findings revealed high levels of awareness and effective utilisation of the scheme among students. The scheme significantly reduced financial stress, supported continuity of education, and improved academic focus. The study concluded that the PM-Vidyalaxmi Scheme functions as an important policy instrument for promoting inclusive higher education and financial inclusion among student populations in Tamil Nadu.
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IJCRT — journal style
"Awareness and Perceived Benefits of the PM-Vidyalaxmi Scheme among Higher-Education Students", IJCRT - International Journal of Creative Research Thoughts (www.ijcrt.org), ISSN:2320-2882, Vol.14, Issue 3, page no.b402-b408, March 2026, Available :https://ijcrt.org/papers/IJCRT2603172.pdf
APA — 7th edition
Natarajan, R., & Vasan, M. (2026). Awareness and Perceived Benefits of the PM-Vidyalaxmi Scheme among Higher-Education Students. International Journal of Creative Research Thoughts, 14(3), b402-b408. https://ijcrt.org/viewpaperforall.php?paper=IJCRT2603172
MLA — 9th edition
Natarajan, R., and M. Vasan. "Awareness and Perceived Benefits of the PM-Vidyalaxmi Scheme among Higher-Education Students." International Journal of Creative Research Thoughts, vol. 14, no. 3, 2026, pp. b402-b408, https://ijcrt.org/viewpaperforall.php?paper=IJCRT2603172.
Chicago — 17th, bibliography
Natarajan, R., and M. Vasan. "Awareness and Perceived Benefits of the PM-Vidyalaxmi Scheme among Higher-Education Students." International Journal of Creative Research Thoughts 14, no. 3 (2026): b402-b408. https://ijcrt.org/viewpaperforall.php?paper=IJCRT2603172.
Harvard — author–date
Natarajan, R. and Vasan, M. (2026) 'Awareness and Perceived Benefits of the PM-Vidyalaxmi Scheme among Higher-Education Students', International Journal of Creative Research Thoughts, 14(3), pp. b402-b408. Available at: https://ijcrt.org/viewpaperforall.php?paper=IJCRT2603172
IEEE — numbered reference
R. Natarajan and M. Vasan, "Awareness and Perceived Benefits of the PM-Vidyalaxmi Scheme among Higher-Education Students," IJCRT, vol. 14, no. 3, pp. b402-b408, Feb. 2026.
Vancouver — biomedical
Natarajan R, Vasan M. Awareness and Perceived Benefits of the PM-Vidyalaxmi Scheme among Higher-Education Students. IJCRT. 2026 Feb;14(3):b402-b408.
AMA — 11th edition
Natarajan R, Vasan M. Awareness and Perceived Benefits of the PM-Vidyalaxmi Scheme among Higher-Education Students. IJCRT. 2026;14(3):b402-b408. Accessed at https://ijcrt.org/viewpaperforall.php?paper=IJCRT2603172
BibTeX — Zotero, Mendeley, LaTeX
@article{IJCRT2603172,
author = {R. Natarajan and M. Vasan},
title = {Awareness and Perceived Benefits of the PM-Vidyalaxmi Scheme among Higher-Education Students},
journal = {International Journal of Creative Research Thoughts},
volume = {14},
number = {3},
pages = {b402-b408},
year = {2026},
month = {February},
issn = {2320-2882},
url = {https://ijcrt.org/viewpaperforall.php?paper=IJCRT2603172}
}
RIS — EndNote, RefWorks
TY - JOUR
AU - Natarajan, R.
AU - Vasan, M.
TI - Awareness and Perceived Benefits of the PM-Vidyalaxmi Scheme among Higher-Education Students
T2 - International Journal of Creative Research Thoughts
JA - IJCRT
VL - 14
IS - 3
PY - 2026
SN - 2320-2882
UR - https://ijcrt.org/viewpaperforall.php?paper=IJCRT2603172
SP - b402-b408
ER -
Issue
Volume 14 Issue 3,
February-2026
Pages : b402-b408
Article Information
- Published In
- International Journal of Creative Research Thoughts — Volume 14, Issue 3, February 2026
- Pages
- b402-b408
- Published
- February 2026
- Registration ID
- IJCRT_301863
- Published Paper ID
- IJCRT2603172
- Research Area
- Management All
- Author Type
- Indian Author
- Location
- Tiruchirappalli, Tamilnadu, India
- Peer Review
- Request Peer Review Report
- Licence
- CC BY 4.0 · Open Access
- ISSN & Impact Factor
- 2320-2882 · IF 9.17
- Downloads
- 163
- Permanent Link
- https://ijcrt.org/viewpaperforall.php?paper=IJCRT2603172
- Published Paper PDF
- https://ijcrt.org/papers/IJCRT2603172.pdf
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International Journal of Creative Research Thoughts
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The authors would like to thank the reviewers and the editorial board of International Journal of Creative Research Thoughts for their careful reading and constructive comments, and all colleagues who supported the preparation of this manuscript.
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