{"id":4826,"date":"2021-12-24T09:37:55","date_gmt":"2021-12-24T09:37:55","guid":{"rendered":"https:\/\/varthana.com\/student\/?page_id=4826"},"modified":"2022-11-24T11:59:10","modified_gmt":"2022-11-24T11:59:10","slug":"education-loan","status":"publish","type":"page","link":"https:\/\/varthana.com\/student\/education-loan\/","title":{"rendered":"Student-Education Loan"},"content":{"rendered":"<p>[vc_section full_width=&#8221;stretch_row_content&#8221;][vc_row bg_type=&#8221;image&#8221; parallax_style=&#8221;vcpb-default&#8221; bg_image_new=&#8221;id^4906|url^https:\/\/varthana.com\/student\/wp-content\/uploads\/2021\/12\/Education-loan-banner.jpg|caption^null|alt^null|title^Education loan banner|description^null&#8221;][vc_column width=&#8221;2\/3&#8243;][vc_row_inner][vc_column_inner][vc_column_text css=&#8221;.vc_custom_1640670334136{padding-top: 30px !important;}&#8221;]<\/p>\n<h1 style=\"color: white; margin-top: 110px; text-align: left; margin-left: 10%; letter-spacing: 1px;\">Education Loan<\/h1>\n<h2 style=\"color: white; text-align: left; font-size: 20px; margin-left: 10%;\">An education loan, also known as a student loan, is a sum of money that you can borrow from a bank or a financial institution to attend an academic institute to pursue a degree or course.<\/h2>\n<p>[\/vc_column_text][vc_btn title=&#8221;Apply for a Loan&#8221; style=&#8221;custom&#8221; custom_background=&#8221;#48a247&#8243; custom_text=&#8221;#ffffff&#8221; align=&#8221;left&#8221; link=&#8221;url:https%3A%2F%2Fvarthana.com%2Fstudent%2Fcontact-us%2F||target:%20_blank|&#8221; css=&#8221;.vc_custom_1639823456404{padding-left: 10% !important;}&#8221;][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=&#8221;36px&#8221;][\/vc_column][vc_column width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1639823353499{margin-top: 40px !important;margin-bottom: 40px !important;}&#8221;]<div role=\"form\" class=\"wpcf7\" id=\"wpcf7-f5295-o1\" lang=\"en-US\" dir=\"ltr\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/student\/wp-json\/wp\/v2\/pages\/4826#wpcf7-f5295-o1\" method=\"post\" class=\"wpcf7-form init\" novalidate=\"novalidate\" data-status=\"init\">\n<div style=\"display: none;\">\n<input type=\"hidden\" name=\"_wpcf7\" value=\"5295\" \/>\n<input type=\"hidden\" name=\"_wpcf7_version\" value=\"5.6\" \/>\n<input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/>\n<input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f5295-o1\" \/>\n<input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/>\n<input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<input type=\"hidden\" name=\"_wpcf7cf_hidden_group_fields\" value=\"[]\" \/>\n<input type=\"hidden\" name=\"_wpcf7cf_hidden_groups\" value=\"[]\" \/>\n<input type=\"hidden\" name=\"_wpcf7cf_visible_groups\" value=\"[]\" \/>\n<input type=\"hidden\" name=\"_wpcf7cf_repeaters\" value=\"[]\" \/>\n<input type=\"hidden\" name=\"_wpcf7cf_steps\" value=\"{}\" \/>\n<input type=\"hidden\" name=\"_wpcf7cf_options\" value=\"{&quot;form_id&quot;:5295,&quot;conditions&quot;:[],&quot;settings&quot;:{&quot;animation&quot;:&quot;yes&quot;,&quot;animation_intime&quot;:200,&quot;animation_outtime&quot;:200,&quot;conditions_ui&quot;:&quot;normal&quot;,&quot;notice_dismissed&quot;:false,&quot;notice_dismissed_update-cf7-5.6.4&quot;:true}}\" \/>\n<\/div>\n<h3 style=\"text-align:center;\">GET IN TOUCH<\/h3>\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"leadsquared-FirstName\"><input type=\"text\" name=\"leadsquared-FirstName\" value=\"\" size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Your Name\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"leadsquared-EmailAddress\"><input type=\"email\" name=\"leadsquared-EmailAddress\" value=\"\" size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Email Address\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"leadsquared-Phone\"><input type=\"tel\" name=\"leadsquared-Phone\" value=\"\" size=\"40\" maxlength=\"10\" minlength=\"10\" class=\"wpcf7-form-control wpcf7-text wpcf7-tel wpcf7-validates-as-required wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Phone Number\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"leadsquared-mx_Institution_Name\"><input type=\"text\" name=\"leadsquared-mx_Institution_Name\" value=\"\" size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Institute Name\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"leadsquared-mx_State\"><input type=\"text\" name=\"leadsquared-mx_State\" value=\"\" size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"State\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"leadsquared-mx_City\"><input type=\"text\" name=\"leadsquared-mx_City\" value=\"\" size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"City\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"leadsquared-mx_Zip\"><input type=\"tel\" name=\"leadsquared-mx_Zip\" value=\"\" size=\"40\" maxlength=\"6\" minlength=\"6\" class=\"wpcf7-form-control wpcf7-text wpcf7-tel wpcf7-validates-as-required wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Pincode\" \/><\/span><\/p>\n<div class=\"g-recaptcha-wrap\" style=\"padding:10px 0 10px 0\">\n<div  class=\"g-recaptcha\" data-sitekey=\"6LfTMOwrAAAAAPpUJAkWeKuc1FsyXAQ7vYLjaVNA\"><\/div>\n<\/div>\n<p><span class='wpcf7-form-control-wrap' data-name='aiowps-captcha'><\/span><input type=\"submit\" value=\"Submit\" class=\"wpcf7-form-control has-spinner wpcf7-submit\" \/><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"leadsquared-mx_Sub_Source\"><input type=\"text\" name=\"leadsquared-mx_Sub_Source\" value=\"Get In Touch - Education Loan\" size=\"40\" class=\"wpcf7-form-control wpcf7-text\" id=\"formsource\" aria-invalid=\"false\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"leadsquared-mx_Website_URL\"><input type=\"url\" name=\"leadsquared-mx_Website_URL\" value=\"https:\/\/varthana.com\/student\/education-loan\" size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-url wpcf7-validates-as-url formurl\" aria-invalid=\"false\" \/><\/span><\/p>\n<input type='hidden' class='wpcf7-pum' value='{\"closepopup\":false,\"closedelay\":0,\"openpopup\":false,\"openpopup_id\":0}' \/><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div><\/form><\/div>[\/vc_column][\/vc_row][vc_row][vc_column]<div id=\"ultimate-heading-69536a7010bece378\" class=\"uvc-heading ult-adjust-bottom-margin ultimate-heading-69536a7010bece378 uvc-3555 \" data-hspacer=\"no_spacer\"  data-halign=\"center\" style=\"text-align:center\"><div class=\"uvc-heading-spacer no_spacer\" style=\"top\"><\/div><div class=\"uvc-sub-heading ult-responsive\"  data-ultimate-target='.uvc-heading.ultimate-heading-69536a7010bece378 .uvc-sub-heading '  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  style=\"font-weight:normal;\"><\/p>\n<h2 style=\"text-align: center; color: #48a247; margin-top: 3%;\"><strong>Education loan in India<\/strong><\/h2>\n<p><\/div><\/div>[vc_column_text css=&#8221;.vc_custom_1640862555179{margin-top: 35px !important;}&#8221;]<\/p>\n<p style=\"color: #555555; margin-left: 9%; margin-right: 9%; text-align: left;\">All India survey on higher education 2020-21 suggested that India&#8217;s student population in higher education grew by over 11% in the last 5 years and there are now 1,000 universities and 40,000 colleges in the country. The continuous rise in gross enrollment ratio and the number of institutions are a part of our country\u2019s major move towards improving access, equity, and quality. Varthana feels that having a higher education is a very important factor in the economic development of any country. And, a student should never compromise the quality of education because of financial constraints.<\/p>\n<p style=\"color: #555555; margin-left: 9%; margin-right: 9%; text-align: left;\">You can easily get an education loan in India (with no collateral) from Varthana. This loan will get you a step closer to your dream career, besides offering several other advantages that will allow you to focus on your studies without worrying about money. To make responsible, effective decisions about funding your education, you must fully understand the application process, disbursement, and repayment requirements.<\/p>\n<p>[\/vc_column_text][vc_btn title=&#8221;Enquire Now&#8221; style=&#8221;flat&#8221; color=&#8221;green&#8221; align=&#8221;center&#8221; el_class=&#8221;home-enquire&#8221; link=&#8221;url:%23|||&#8221;][vc_empty_space height=&#8221;36px&#8221;][vc_empty_space][\/vc_column][\/vc_row][\/vc_section][vc_section full_width=&#8221;stretch_row&#8221; full_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1640861136742{padding-top: 90px !important;padding-bottom: 60px !important;background-color: #ededed !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_row css_animation=&#8221;fadeInUp&#8221; css=&#8221;.vc_custom_1640860803571{background-color: #ededed !important;}&#8221;][vc_column]<div id=\"ultimate-heading-46606a7010bece5cc\" class=\"uvc-heading ult-adjust-bottom-margin ultimate-heading-46606a7010bece5cc uvc-8709 \" data-hspacer=\"image_only\"  data-halign=\"center\" style=\"text-align:center\"><div class=\"uvc-sub-heading ult-responsive\"  data-ultimate-target='.uvc-heading.ultimate-heading-46606a7010bece5cc .uvc-sub-heading '  data-responsive-json-new='{\"font-size\":\"desktop:43px;\",\"line-height\":\"desktop:48px;\"}'  style=\"font-family:&#039;Poppins&#039;;font-weight:700;color:#333333;margin-bottom:15px;\"><\/p>\n<h2><strong style=\"color: #48a247;\">Varthana Education Loan<\/strong><\/h2>\n<h4><span style=\"font-weight: 400;\">Varthana\u2019s education loan can be used for these courses\/programs<\/span><\/h4>\n<p><\/div><div class=\"uvc-heading-spacer image_only\" style=\"margin-bottom:30px;\"><img src=\"https:\/\/varthana.com\/student\/wp-content\/uploads\/2018\/09\/linea-zig-zag.png\" class=\"ultimate-headings-icon-image\" alt=\"null\" style=\"width:60px\"\/><\/div><\/div>[vc_row_inner gap=&#8221;25&#8243; css=&#8221;.vc_custom_1640863500050{margin-top: -30px !important;}&#8221;][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1640769184979{background-color: #ededed !important;}&#8221;]<div class=\"aio-icon-component    style_1\"><div id=\"Info-box-wrap-1702\" class=\"aio-icon-box top-icon\" style=\"\"  ><div class=\"aio-icon-top\"><div class=\"ult-just-icon-wrapper  \"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon-img \" style=\"font-size:90px;display:inline-block;\" >\n\t<img class=\"img-icon\" alt=\"null\" src=\"https:\/\/varthana.com\/student\/wp-content\/uploads\/2021\/02\/Loan-for-PUC.png\"\/>\n<\/div><\/div><\/div><\/div><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component -->[vc_column_text]<\/p>\n<h3 style=\"text-align: center;\">1. Loan for Degree and PG Courses<\/h3>\n<p>This form of education loan is available for undergraduate studies. Students who have completed high secondary school\/PUC\/+2 and wish to continue a three-year or longer course in order to better their work prospects are eligible to apply for this loan. These are the best education loans as they have simple payback terms and no collateral.[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1639807294243{background-color: #ededed !important;}&#8221;]<div class=\"aio-icon-component    style_1\"><div id=\"Info-box-wrap-2705\" class=\"aio-icon-box top-icon\" style=\"\"  ><div class=\"aio-icon-top\"><div class=\"ult-just-icon-wrapper  \"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon-img \" style=\"font-size:90px;display:inline-block;\" >\n\t<img class=\"img-icon\" alt=\"null\" src=\"https:\/\/varthana.com\/student\/wp-content\/uploads\/2021\/02\/Loan-for-Degree.png\"\/>\n<\/div><\/div><\/div><\/div><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component -->[vc_column_text]<\/p>\n<h3 style=\"text-align: center;\">2. Loan for PUC 1 and PUC 2<\/h3>\n<p style=\"text-align: center;\">PUC\/1+2+ education loans are available to students who have completed 10th grade and plan to enroll in a two-year pre-university college program. Students seeking a Pre-university College Degree might benefit from these top education loans, which have affordable EMIs. This is a loan with no collateral.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1639807302283{background-color: #ededed !important;}&#8221;]<div class=\"aio-icon-component    style_1\"><div id=\"Info-box-wrap-8084\" class=\"aio-icon-box top-icon\" style=\"\"  ><div class=\"aio-icon-top\"><div class=\"ult-just-icon-wrapper  \"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon-img \" style=\"font-size:90px;display:inline-block;\" >\n\t<img class=\"img-icon\" alt=\"null\" src=\"https:\/\/varthana.com\/student\/wp-content\/uploads\/2021\/02\/Loan-for-Certification.png\"\/>\n<\/div><\/div><\/div><\/div><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component -->[vc_column_text]<\/p>\n<h3 style=\"text-align: center;\"><span class=\"ILfuVd\"><span class=\"hgKElc\">3. Loan for Certification Courses<\/span><\/span><\/h3>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">Students can apply for education loan for certification courses if they want to attend career-oriented certification programs. These programs can be vocational, technical, or upskill courses offered by institutes. These are unsecured loans with no collateral.<\/span><\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner][vc_btn title=&#8221;Enquire Now&#8221; style=&#8221;flat&#8221; color=&#8221;green&#8221; size=&#8221;lg&#8221; align=&#8221;center&#8221; link=&#8221;url:%23||target:%20_blank|&#8221; el_class=&#8221;home-enquire&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][\/vc_section][vc_section full_width=&#8221;stretch_row&#8221; full_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1640945705911{padding-top: 70px !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_row css=&#8221;.vc_custom_1640863718386{background-color: #ffffff !important;}&#8221;][vc_column css=&#8221;.vc_custom_1640860208549{background-color: #ffffff !important;}&#8221;]<div id=\"ultimate-heading-93986a7010becfe6c\" class=\"uvc-heading ult-adjust-bottom-margin ultimate-heading-93986a7010becfe6c uvc-3132 \" data-hspacer=\"no_spacer\"  data-halign=\"center\" style=\"text-align:center\"><div class=\"uvc-heading-spacer no_spacer\" style=\"top\"><\/div><div class=\"uvc-sub-heading ult-responsive\"  data-ultimate-target='.uvc-heading.ultimate-heading-93986a7010becfe6c .uvc-sub-heading '  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  style=\"font-weight:normal;\"><\/p>\n<h2 style=\"text-align: center; color: #46a746;\">How Is Varthana Different From Others<\/h2>\n<p><span style=\"font-weight: 400;\">\u00a0 If you apply for education loan from Varthana, these are some of the benefits you will enjoy:<\/span><\/div><\/div>[\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1640860268021{background-color: #ffffff !important;}&#8221;][vc_column width=&#8221;5\/12&#8243;][vc_column_text]<\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">The education loan is repaid during the course<\/span><\/li>\n<\/ul>\n<ul>\n<li><span style=\"font-weight: 400;\">Fully digital process<\/span><\/li>\n<\/ul>\n<ul>\n<li><span style=\"font-weight: 400;\">Tele assistant<\/span><\/li>\n<\/ul>\n<ul>\n<li><span style=\"font-weight: 400;\">Doorstep service<\/span><\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_btn title=&#8221;Apply Now&#8221; style=&#8221;flat&#8221; color=&#8221;green&#8221; el_class=&#8221;student-loan-home&#8221; css=&#8221;.vc_custom_1640864961686{margin-left: 9% !important;}&#8221; link=&#8221;url:%23|||&#8221;][\/vc_column][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1640860218416{background-color: #ffffff !important;}&#8221;][vc_single_image image=&#8221;4847&#8243; img_size=&#8221;large&#8221;][\/vc_column][\/vc_row][\/vc_section][vc_section full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1640946012241{margin-top: -70px !important;background-color: #ededed !important;}&#8221;][vc_row css=&#8221;.vc_custom_1640861397393{background-color: #ededed !important;}&#8221;][vc_column][vc_row_inner equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1640861292086{background-color: #ededed !important;}&#8221;][vc_column_inner css=&#8221;.vc_custom_1640861425710{background-color: #ededed !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1640861324270{background-color: #ededed !important;}&#8221;]<\/p>\n<h2 style=\"text-align: center; color: #46a746;\"><b>Expenses Covered In Education Loan<\/b><\/h2>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=&#8221;.vc_custom_1640861352805{padding-top: 3% !important;background-color: #ededed !important;}&#8221;][vc_column_inner width=&#8221;1\/5&#8243;]<div class=\"aio-icon-component    style_1\"><div id=\"Info-box-wrap-7732\" class=\"aio-icon-box top-icon\" style=\"\"  ><div class=\"aio-icon-top\"><div class=\"ult-just-icon-wrapper  \"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon-img \" style=\"font-size:70px;display:inline-block;\" >\n\t<img class=\"img-icon\" alt=\"Tuition fees\" src=\"https:\/\/varthana.com\/student\/wp-content\/uploads\/2021\/12\/Tuition-fees.png\"\/>\n<\/div><\/div><\/div><\/div><div class=\"aio-icon-header\" ><p class=\"aio-icon-title ult-responsive\"  data-ultimate-target='#Info-box-wrap-7732 .aio-icon-title'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  style=\"\">Tuition fees<\/p><\/div> <!-- header --><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component -->[\/vc_column_inner][vc_column_inner width=&#8221;1\/5&#8243;]<div class=\"aio-icon-component    style_1\"><div id=\"Info-box-wrap-2843\" class=\"aio-icon-box top-icon\" style=\"\"  ><div class=\"aio-icon-top\"><div class=\"ult-just-icon-wrapper  \"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon-img \" style=\"font-size:70px;display:inline-block;\" >\n\t<img class=\"img-icon\" alt=\"Hostel: Food and accommodation expenses\" src=\"https:\/\/varthana.com\/student\/wp-content\/uploads\/2021\/12\/Hostel-Food-and-accommodation-expenses.png\"\/>\n<\/div><\/div><\/div><\/div><div class=\"aio-icon-header\" ><p class=\"aio-icon-title ult-responsive\"  data-ultimate-target='#Info-box-wrap-2843 .aio-icon-title'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  style=\"\">Hostel: Food and accommodation expenses<\/p><\/div> <!-- header --><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component -->[\/vc_column_inner][vc_column_inner width=&#8221;1\/5&#8243;]<div class=\"aio-icon-component    style_1\"><div id=\"Info-box-wrap-7305\" class=\"aio-icon-box top-icon\" style=\"\"  ><div class=\"aio-icon-top\"><div class=\"ult-just-icon-wrapper  \"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon-img \" style=\"font-size:70px;display:inline-block;\" >\n\t<img class=\"img-icon\" alt=\"Classroom: Books and uniforms expenses\" src=\"https:\/\/varthana.com\/student\/wp-content\/uploads\/2021\/12\/Classroom-Books-and-uniforms-expenses.png\"\/>\n<\/div><\/div><\/div><\/div><div class=\"aio-icon-header\" ><p class=\"aio-icon-title ult-responsive\"  data-ultimate-target='#Info-box-wrap-7305 .aio-icon-title'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  style=\"\">Classroom: Books and uniforms expenses<\/p><\/div> <!-- header --><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component -->[\/vc_column_inner][vc_column_inner width=&#8221;1\/5&#8243;]<div class=\"aio-icon-component    style_1\"><div id=\"Info-box-wrap-6645\" class=\"aio-icon-box top-icon\" style=\"\"  ><div class=\"aio-icon-top\"><div class=\"ult-just-icon-wrapper  \"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon-img \" style=\"font-size:70px;display:inline-block;\" >\n\t<img class=\"img-icon\" alt=\"Others: Laptops and training materials\" src=\"https:\/\/varthana.com\/student\/wp-content\/uploads\/2021\/12\/Others-Laptops-and-training-materials.png\"\/>\n<\/div><\/div><\/div><\/div><div class=\"aio-icon-header\" ><p class=\"aio-icon-title ult-responsive\"  data-ultimate-target='#Info-box-wrap-6645 .aio-icon-title'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  style=\"\">Others: Laptops and training materials<\/p><\/div> <!-- header --><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component -->[\/vc_column_inner][vc_column_inner width=&#8221;1\/5&#8243;]<div class=\"aio-icon-component    style_1\"><div id=\"Info-box-wrap-8161\" class=\"aio-icon-box top-icon\" style=\"\"  ><div class=\"aio-icon-top\"><div class=\"ult-just-icon-wrapper  \"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon-img \" style=\"font-size:70px;display:inline-block;\" >\n\t<img class=\"img-icon\" alt=\"Expenses covered for study tours etc\" src=\"https:\/\/varthana.com\/student\/wp-content\/uploads\/2021\/12\/Expenses-covered-for-study-tours-etc.png\"\/>\n<\/div><\/div><\/div><\/div><div class=\"aio-icon-header\" ><p class=\"aio-icon-title ult-responsive\"  data-ultimate-target='#Info-box-wrap-8161 .aio-icon-title'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  style=\"\">Expenses covered for study tours etc<\/p><\/div> <!-- header --><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component -->[\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row][vc_column][vc_empty_space][\/vc_column][\/vc_row][\/vc_section][vc_section full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1640774116481{background-color: #ffffff !important;}&#8221;][vc_row css=&#8221;.vc_custom_1640865311521{margin-top: -20px !important;}&#8221;][vc_column css=&#8221;.vc_custom_1640774097273{background-color: #ffffff !important;}&#8221;][vc_row_inner][vc_column_inner css=&#8221;.vc_custom_1640773988999{background-color: #ffffff !important;}&#8221;][vc_column_text]<\/p>\n<h2 style=\"text-align: center; color: #46a746;\"><b>Varthana Education Loan Eligibility Process<\/b><\/h2>\n<p style=\"text-align: center; font-size: 20px;\">Our student loan process is divided into 3 steps:<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\"><strong>1. Apply<\/strong><\/h3>\n<p>[\/vc_column_text]<div class=\"aio-icon-component    style_1\"><div id=\"Info-box-wrap-1688\" class=\"aio-icon-box top-icon\" style=\"\"  ><div class=\"aio-icon-top\"><div class=\"ult-just-icon-wrapper  \"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon-img \" style=\"font-size:67px;display:inline-block;\" >\n\t<img class=\"img-icon\" alt=\"null\" src=\"https:\/\/varthana.com\/student\/wp-content\/uploads\/2021\/02\/2.-Apply.png\"\/>\n<\/div><\/div><\/div><\/div><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component -->[vc_column_text]<\/p>\n<p style=\"text-align: center;\">To apply for education loan for higher studies, visit www.varthana.com. Fill out and submit the contact form or give us a call at 080-68455777. Our customer service team will contact you within 4 hours of the business day (Mon-Fri, from 9.30 am to 6.30 pm) seeking detailed information. After that we will assign a dedicated relationship manager to fulfil your education loan needs.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\"><strong>2. Get approval<\/strong><\/h3>\n<p>[\/vc_column_text]<div class=\"aio-icon-component    style_1\"><div id=\"Info-box-wrap-8153\" class=\"aio-icon-box top-icon\" style=\"\"  ><div class=\"aio-icon-top\"><div class=\"ult-just-icon-wrapper  \"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon-img \" style=\"font-size:84px;display:inline-block;\" >\n\t<img class=\"img-icon\" alt=\"null\" src=\"https:\/\/varthana.com\/student\/wp-content\/uploads\/2021\/02\/3.-Get-approval.png\"\/>\n<\/div><\/div><\/div><\/div><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component -->[vc_column_text]<\/p>\n<p style=\"text-align: center;\">Our dedicated relationship manager will call you or write you a mail, and fix up an appointment to understand your requirements. We will also advise you on the necessary documents required to avail an education loan in India. Upload the loan application document with the help of telecallers. Get your loan approved within 72 hours after verification.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_column_text]<\/p>\n<h3 style=\"text-align: center;\"><strong>3. Loan Disbursement<\/strong><\/h3>\n<p>[\/vc_column_text]<div class=\"aio-icon-component    style_1\"><div id=\"Info-box-wrap-3079\" class=\"aio-icon-box top-icon\" style=\"\"  ><div class=\"aio-icon-top\"><div class=\"ult-just-icon-wrapper  \"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon-img \" style=\"font-size:68px;display:inline-block;\" >\n\t<img class=\"img-icon\" alt=\"null\" src=\"https:\/\/varthana.com\/student\/wp-content\/uploads\/2021\/02\/4.-Loan-disbursed.png\"\/>\n<\/div><\/div><\/div><\/div><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component -->[vc_column_text]<\/p>\n<p style=\"text-align: center;\">After necessary due diligence and education loan eligibility calculation, the education loan would be approved in principle. The education loan for higher education will be disbursed to the institute while you pay flexible EMIs.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_btn title=&#8221;Request a Call Back&#8221; style=&#8221;flat&#8221; color=&#8221;green&#8221; size=&#8221;lg&#8221; align=&#8221;center&#8221; link=&#8221;url:%23||target:%20_blank|&#8221; el_class=&#8221;student-loan-home&#8221;][vc_empty_space height=&#8221;36px&#8221;][vc_empty_space][\/vc_column][\/vc_row][\/vc_section][vc_section full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1640861815355{background-color: #ededed !important;}&#8221;][vc_row][vc_column css=&#8221;.vc_custom_1640774296731{background-color: #ededed !important;}&#8221;][vc_empty_space height=&#8221;20px&#8221;]<div id=\"ultimate-heading-41746a7010bed2338\" class=\"uvc-heading ult-adjust-bottom-margin ultimate-heading-41746a7010bed2338 uvc-88 \" data-hspacer=\"image_only\"  data-halign=\"center\" style=\"text-align:center\"><div class=\"uvc-sub-heading ult-responsive\"  data-ultimate-target='.uvc-heading.ultimate-heading-41746a7010bed2338 .uvc-sub-heading '  data-responsive-json-new='{\"font-size\":\"desktop:43px;\",\"line-height\":\"desktop:48px;\"}'  style=\"font-family:&#039;Poppins&#039;;font-weight:700;color:#333333;margin-bottom:15px;\"><\/p>\n<h2><strong style=\"color: #46a746;\">Documents required for student loan<\/strong><\/h2>\n<p><\/div><div class=\"uvc-heading-spacer image_only\" style=\"margin-bottom:30px;\"><img src=\"https:\/\/varthana.com\/student\/wp-content\/uploads\/2018\/09\/linea-zig-zag.png\" class=\"ultimate-headings-icon-image\" alt=\"null\" style=\"width:60px\"\/><\/div><\/div>[vc_row_inner gap=&#8221;30&#8243;][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1639806881966{background-color: #ededed !important;}&#8221;][vc_column_text]<\/p>\n<h4 style=\"color: #46a746;\">Documents we need from you<\/h4>\n<ul class=\"bullet\">\n<li class=\"list\">KYC documents<\/li>\n<li class=\"list\">Proof of admission to the course (Offer letter\/Bonafide letter from the institution)<\/li>\n<li class=\"list\">Schedule of expenses (Fee Structure)<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1639806891063{background-color: #ededed !important;}&#8221;][vc_column_text]<\/p>\n<h4><strong style=\"color: #46a746;\">Co-borrower (Parent\/Spouse\/Guardian) &#8211; General Documents<\/strong><\/h4>\n<ul>\n<li>KYC Documents<\/li>\n<li>Proof of current residence (Gas Bill, Rental Agreement or any KYC)<\/li>\n<li>Income Documents<\/li>\n<\/ul>\n<p style=\"margin-top: -20px;\"><b>Note:<\/b> For retired Co-borrowers we need only their ID\u2019s, residential proof, 6 months bank statement and pension order<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1639806905886{background-color: #ededed !important;}&#8221;][vc_column_text]<\/p>\n<h4><strong style=\"color: #46a746;\">Co-borrower (Parent\/Spouse\/Guardian) &#8211; Income Proof Documents<\/strong><\/h4>\n<p><b>For Salaried:<\/b><\/p>\n<ul>\n<li>3 months salary slips \/ Salary Certificates.<\/li>\n<li>Salary a\/c statement for the last 3 months with credited salary banking.<\/li>\n<\/ul>\n<p style=\"margin-top: -10px;\"><b>For Business:<\/b><\/p>\n<ul>\n<li style=\"margin-top: -10px;\">Latest 1-year full ITR set (Computation of income + P\/L Statement &amp; Balance Sheet)<\/li>\n<li>Savings and current a\/c statement for last 6 months<\/li>\n<li>Business proof<\/li>\n<li>Special Programs for Business Individuals without ITR<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_empty_space][\/vc_column][\/vc_row][\/vc_section][vc_section full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1640775321465{background-color: #ffffff !important;}&#8221;][vc_row css=&#8221;.vc_custom_1639995774320{background-color: #ededed !important;}&#8221;][vc_column css=&#8221;.vc_custom_1640775338866{background-color: #ffffff !important;}&#8221;][vc_empty_space height=&#8221;36px&#8221;][vc_row_inner equal_height=&#8221;yes&#8221;][vc_column_inner][vc_column_text]<\/p>\n<h2 style=\"text-align: center; color: #46a746;\"><b>Why Varthana?<\/b><\/h2>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner gap=&#8221;35&#8243; css=&#8221;.vc_custom_1640771383699{padding-top: 3% !important;}&#8221;][vc_column_inner width=&#8221;1\/3&#8243;]<div class=\"aio-icon-component    style_1\"><div id=\"Info-box-wrap-3965\" class=\"aio-icon-box top-icon\" style=\"\"  ><div class=\"aio-icon-top\"><div class=\"ult-just-icon-wrapper  \"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon-img \" style=\"font-size:70px;display:inline-block;\" >\n\t<img class=\"img-icon\" alt=\"Varthana is India\u2019s fastest-growing education loan company. \" src=\"https:\/\/varthana.com\/student\/wp-content\/uploads\/2021\/12\/Varthana-is-Indias-fastest-growing-1-1.png\"\/>\n<\/div><\/div><\/div><\/div><div class=\"aio-icon-header\" ><p class=\"aio-icon-title ult-responsive\"  data-ultimate-target='#Info-box-wrap-3965 .aio-icon-title'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  style=\"\">Varthana is India\u2019s fastest-growing education loan company.<\/p><\/div> <!-- header --><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component -->[\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;]<div class=\"aio-icon-component    style_1\"><div id=\"Info-box-wrap-6080\" class=\"aio-icon-box top-icon\" style=\"\"  ><div class=\"aio-icon-top\"><div class=\"ult-just-icon-wrapper  \"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon-img \" style=\"font-size:70px;display:inline-block;\" >\n\t<img class=\"img-icon\" alt=\"We are helping students achieve their education goals.\" src=\"https:\/\/varthana.com\/student\/wp-content\/uploads\/2021\/12\/We-are-helping-students-1.png\"\/>\n<\/div><\/div><\/div><\/div><div class=\"aio-icon-header\" ><p class=\"aio-icon-title ult-responsive\"  data-ultimate-target='#Info-box-wrap-6080 .aio-icon-title'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  style=\"\">We are helping students achieve their education goals.<\/p><\/div> <!-- header --><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component -->[\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;]<div class=\"aio-icon-component    style_1\"><div id=\"Info-box-wrap-3527\" class=\"aio-icon-box top-icon\" style=\"\"  ><div class=\"aio-icon-top\"><div class=\"ult-just-icon-wrapper  \"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon-img \" style=\"font-size:70px;display:inline-block;\" >\n\t<img class=\"img-icon\" alt=\"We operate in 10 cities and are recognised as one of the top education loan companies in India.\" src=\"https:\/\/varthana.com\/student\/wp-content\/uploads\/2021\/12\/We-operate-in-10-cities.png\"\/>\n<\/div><\/div><\/div><\/div><div class=\"aio-icon-header\" ><p class=\"aio-icon-title ult-responsive\"  data-ultimate-target='#Info-box-wrap-3527 .aio-icon-title'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  style=\"\">Expenses covered for study tours etc<\/p><\/div> <!-- header --><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component -->[\/vc_column_inner][\/vc_row_inner][vc_row_inner gap=&#8221;35&#8243; css=&#8221;.vc_custom_1640771419404{padding-top: 3% !important;}&#8221;][vc_column_inner width=&#8221;1\/3&#8243;]<div class=\"aio-icon-component    style_1\"><div id=\"Info-box-wrap-6262\" class=\"aio-icon-box top-icon\" style=\"\"  ><div class=\"aio-icon-top\"><div class=\"ult-just-icon-wrapper  \"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon-img \" style=\"font-size:70px;display:inline-block;\" >\n\t<img class=\"img-icon\" alt=\"400+ partner institutions and growing\" src=\"https:\/\/varthana.com\/student\/wp-content\/uploads\/2021\/12\/400-partner-institutions.png\"\/>\n<\/div><\/div><\/div><\/div><div class=\"aio-icon-header\" ><p class=\"aio-icon-title ult-responsive\"  data-ultimate-target='#Info-box-wrap-6262 .aio-icon-title'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  style=\"\">400+ partner institutions and growing<\/p><\/div> <!-- header --><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component -->[\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;]<div class=\"aio-icon-component    style_1\"><div id=\"Info-box-wrap-3408\" class=\"aio-icon-box top-icon\" style=\"\"  ><div class=\"aio-icon-top\"><div class=\"ult-just-icon-wrapper  \"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon-img \" style=\"font-size:70px;display:inline-block;\" >\n\t<img class=\"img-icon\" alt=\"null\" src=\"https:\/\/varthana.com\/student\/wp-content\/uploads\/2021\/12\/Varthana-has-flexible-EMI.png\"\/>\n<\/div><\/div><\/div><\/div><div class=\"aio-icon-header\" ><p class=\"aio-icon-title ult-responsive\"  data-ultimate-target='#Info-box-wrap-3408 .aio-icon-title'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  style=\"\">Varthana has flexible EMI options and we provide doorstep service<\/p><\/div> <!-- header --><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component -->[\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;]<div class=\"aio-icon-component    style_1\"><div id=\"Info-box-wrap-3117\" class=\"aio-icon-box top-icon\" style=\"\"  ><div class=\"aio-icon-top\"><div class=\"ult-just-icon-wrapper  \"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon-img \" style=\"font-size:70px;display:inline-block;\" >\n\t<img class=\"img-icon\" alt=\"Full-fledged online process, quick and simple. Fast track approval\" src=\"https:\/\/varthana.com\/student\/wp-content\/uploads\/2021\/12\/Full-fledged-online-process.png\"\/>\n<\/div><\/div><\/div><\/div><div class=\"aio-icon-header\" ><p class=\"aio-icon-title ult-responsive\"  data-ultimate-target='#Info-box-wrap-3117 .aio-icon-title'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  style=\"\">Full-fledged online process, quick and simple. Fast track approval<\/p><\/div> <!-- header --><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component -->[\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][\/vc_section][vc_row][vc_column][vc_empty_space height=&#8221;56px&#8221;][vc_empty_space height=&#8221;36px&#8221;][\/vc_column][\/vc_row][vc_row][vc_column]<div id=\"ultimate-heading-49326a7010bed3d3f\" class=\"uvc-heading ult-adjust-bottom-margin ultimate-heading-49326a7010bed3d3f uvc-1086 \" data-hspacer=\"no_spacer\"  data-halign=\"center\" style=\"text-align:center\"><div class=\"uvc-heading-spacer no_spacer\" style=\"top\"><\/div><div class=\"uvc-sub-heading ult-responsive\"  data-ultimate-target='.uvc-heading.ultimate-heading-49326a7010bed3d3f .uvc-sub-heading '  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  style=\"font-weight:normal;\"><\/p>\n<h2 style=\"text-align: center; color: #48a247;\">Frequently asked questions of student loan<\/h2>\n<p><\/div><\/div>[vc_empty_space][\/vc_column][\/vc_row][vc_row][vc_column][vc_tta_accordion color=&#8221;white&#8221; active_section=&#8221;1&#8243; collapsible_all=&#8221;true&#8221;][vc_tta_section title=&#8221;What is the procedure for applying for an education loan?&#8221; tab_id=&#8221;1639810427263-d81883d5-323b&#8221; el_class=&#8221;accord&#8221;][vc_column_text]<span style=\"font-weight: 400;\">Apply for an <\/span><span style=\"font-weight: 400;\">education loan for higher studies<\/span><span style=\"font-weight: 400;\"> by visiting <\/span><a href=\"http:\/\/www.varthana.com\"><span style=\"font-weight: 400;\">www.varthana.com<\/span><\/a><span style=\"font-weight: 400;\">. Fill out an enquiry form or reach us at 080-68455777<\/span>[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;In India, how long does it take to get an education loan?&#8221; tab_id=&#8221;1639810427300-ec3db43d-cfa8&#8243;][vc_column_text]<span style=\"font-weight: 400;\">The whole <\/span><span style=\"font-weight: 400;\">education<\/span><span style=\"font-weight: 400;\"> loan process could take up to two weeks.<\/span>[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;What are my options for repaying my education loan?&#8221; tab_id=&#8221;1639818775908-3a49b693-6861&#8243;][vc_column_text]<span style=\"font-weight: 400;\">You can repay the education loan for higher studies to the lender. Over the loan&#8217;s term, these will be paid in Easy Monthly Installments (EMIs). Repayment options include the Electronic National Automated Clearing House (e-NACH) or Post-Dated Cheques (PDCs).<\/span>[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;What are the education loan interest rates?&#8221; tab_id=&#8221;1639819121680-b06b46d0-74c0&#8243;][vc_column_text]<span style=\"font-weight: 400;\">The interest rate is calculated using a variety of factors such as the loan amount requested, the type of education loan selected, the loan tenure chosen, the student\/co-future borrower&#8217;s cash inflow, loan repayment history etc.<\/span>[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;What is the maximum amount of education loan you can get in India?&#8221; tab_id=&#8221;1639819207493-4dd9826b-9223&#8243;][vc_column_text]<span style=\"font-weight: 400;\">The maximum loan amount for an education loan can be decided and made available depe\u1e6dnding on the course, loan type, eligibility criteria and creditworthiness, loan repayment history.<\/span>[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;What is a guardian\/parent\u2019s role in an education loan?&#8221; tab_id=&#8221;1639819243976-7f450458-513f&#8221;][vc_column_text]<span style=\"font-weight: 400;\">The guardian or parent will be required to provide KYC and income-proof documentation in order to obtain the loan as your co-borrower.<\/span>[\/vc_column_text][\/vc_tta_section][\/vc_tta_accordion][vc_empty_space height=&#8221;36px&#8221;][vc_empty_space][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<br \/>\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [{\n    \"@type\": \"Question\",\n    \"name\": \"What is the procedure for applying for an education loan?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"Apply for an education loan for higher studies by visiting www.varthana.com. 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