How Does an Advisor Help Write a Medical School Personal Statement That gets Accepted

Medical school admission is a tricky process that requires several things to be right to make an applicant get accepted, and a medical school personal statement is one of them. In fact, the essay can make or break the game for an applicant. A poorly written one by a candidate with high scores is rejected, while one that glues interviewers can help an average student secure a place in a medical school.

 Each year, thousands of people apply for medical schools to start their educational journey in the field. All of them write a personal statement to make schools aware of their story, research topics, and work. However, only a handful of them grab the attention of interviewers and increase their chances of getting selected in a school. They are the ones who wrote the best medical school essays.

How to Write a Noticeable Personal Statement

Although many applicants know what they should write in a personal statement, most of them aren’t aware of how to make it noticeable. For example, the essay needs to tell the interviewer basic personal information of an applicant, history, and research done in the field.

 However, many of the personal statements are ignored by medical schools, and they also include individuals with high scores. It is because these applicants fail to elaborate their story in a way that it could glue interviewers and make them consider students for admission.

 According to experts, a personal statement should be a unique piece from traditional essays. It must reflect an applicant’s story in a manner that an interviewer is hooked to it and finds it difficult to overlook the candidate.


Medical School Application Consultant for Personal Statement

From choosing perfect words to the right medical school personal statement length, there are many things that need special attention. A medical school consultant is a knowledgeable and passionate advisor who can give a voice to an applicant’s personal statement.

Through unmatched expertise and relentless tailored commitment, the best consultant helps write an essay that maximizes an applicant’s chance of acceptance. In the case of a personal statement, below are some services applicants can expect from the advisor:

  • Brainstorming Ideas

 To tell a simple story in the medical field, it is essential to frame it in an exciting way. The best advisor brainstorm ideas and examples to help write a great personal statement that makes one get accepted by a medical school.

  • Right Tone and Word Choice

 To get noticed, it is necessary to set the right tone and choose catchy words or phrases to explain the experience of an individual. An advisor analyses a personal statement’s tone, content, and corrects it to convey a powerful message to a reader.

  • Grammar

 For a medical school personal statement, a knowledgeable advisor works closely with an applicant and picks apart grammar. The consultant examines an individual’s experience and helps frame a piece that admission officers love to read.

  • Creating the Draft

 Some students know what to add to a personal statement, while others have no idea what goes into it. The best medical school application consultant will have services for all kinds of students. The expert helps in crafting the first draft and brainstorms how to customize an essay to increase an individual’s chances of getting selected in a medical school.


  • Application Editing

 In addition to helping a student in writing a catchy personal statement, an experienced consultant offers the services of application editing. Here, an applicant’s CV and application are reviewed to ensure that everything is right about them.


How to Choose a Consultant for Medical School Personal Statement

 Writing an impressive personal statement is a tricky process, but applicants can make it easier by hiring the services of an experienced medical school application consultant. The best advisor is a knowledgeable individual who works closely with students to write great personal statements and offer them advice on how to proceed with the process.

 A medical school application advisor can be a great help for students who want to secure admission in a medical school but don’t know how to frame their story in the form of a personal statement.


Win the Heart of Your Special Someone with Personalised Gifts

When you are thinking of giving a gift to someone then the person must hold a special place in your heart. We do not give gifts to random people. Now, if you are investing your time and money on a gift that you think your loved one would like, you should consider personalised gifts in the UK. Gifting a personalised gift to someone will show that you are aware of their choices and also care about them enough to get them a customized gift. In this era, when everything is available so easily, getting a customized gift for your loved one will definitely impress him/her as your effort will be visible.

If you are looking for custom gifts in the UK then you will have to keep a few things in mind. The first thing that you need to understand is that the market is now overflowing with companies and shops that claim to be the best provider of personalised gifts at the most affordable rates. However, this is clearly a marketing technique. It would be very foolish on your part if you believe these companies without doing any proper research. Given the fact that you will be spending your money on a gift you think your loved one will like, you should not hesitate in doing a proper research before selecting a particular shop or company.

The first step of finding the right store for getting customized gifts is preparing a list of companies and stores within your accessible area that deal with such products. It might sound to be a daunting task but with the help of the internet you will be able to do this quit easily. You will simply have to apply the right filters and the rest will be done by the internet. You can also ask for recommendations from your known circle of people who have experience of buying personalised gifts. They will be able to provide you with genuine information about the store from where they got their products. If you are relying only on the internet then you will have to eliminate the ones that are offering their products at extremely cheap rates. Such companies generally compromise on the quality of their products and thus offer such cheap rates. Your aim should be to find a company or store that offers high quality products and also demands the normal market rate.

Once you are done with preparing the list, you will have to start comparing the listed companies in terms of their years of experience, expertise and quality of provided services. These are all important factors to consider when selecting a company and when you combine these factors and make a comparison, you are most likely to find a company that will stand out among the rest. This store or company will probably be your best choice among the lot.

However, you should do some more research on this one company to ensure that you have made the right choice. Make sure to visit their website for details on their products.

Express Your Charm Confidently With Trending Pleated Skirts

For the 90s kids, a pleated skirt would remind them of their school uniform. But since then, a pleated skirt has been dominating every sphere of fashion. It is a style statement which not a lot of people would experiment with but should be done more. If you’re unsure of how to wear your pleated skirt, let us help you out.

Types Of Pleated Skirt

According to the placement and the number of pleats, these skirts are differentiated. Trending pleated skirts range from standard to box pleats. 

Read the article to find out more.  

  • Normal Pleated Skirt

It is the most common type of pleated skirt. The pleats start from the waist till the hem, and it has a lot of carefully placed, narrow pleats. It can be worn as party wear or casual wear according to the colour and material. Pair a shiny gossamer skirt with a metallic hue with a tight top or camisole set with beads, rhinestones and pearls for a party look. Add pumps to match your top and further accessorise with jewellery to match the beads.

For casual wear, go for a skirt with a toned-down hue. Pair with a top with a neutral colour, preferably a shade lighter than the skirt, and slip into either heels or sneakers.

  • Medium Kick Pleated Skirt

It is a straight, pencil skirt with pleats at the very end. The function of the pleats here is to aid leg movement. It is mostly formal wear, but like with everything else it can be worn casually depending on the colour of the skirt. Pair a black, white, blue, grey or green skirt in formal hues with a white skirt or opt for striped or checkered ones.

For a casual look go for a bolder hue and pair with a casual tee or camisole and sneakers. Finish with pretty shades and loosely worn hair for a complete look.

  • Inverted Pleats Skirt

This type of skirt has an inverted box pleat starting for the waist till the hem. Such skirts are available in printed designs in a variety of colours at Sabhyata Clothing. It can be paired with almost anything since the design is neither too tight nor too loose. This type of skirt looks best on pear-shaped or hourglass-shaped bodies, as they cinch in the waist and the design accentuates the bodyline. Can be accessorised with sneakers for a casual look. This skirt is often considered the go-to look for formal events and as such is the design for uniforms in many schools.

  • Box Pleated Maxi Skirt

These pleats face away from each other. It is a very vogue skirt design with a flared base. Although an effortless design, it looks uber fashionable and chic. Very minimalistic design, and can be paired with a simple camisole and covered shoes. 

  • Mini Pleated Skirt

A mini skirt with school-like pleats, this skirt makes for a very casual & fashionable style statement. Pair it with whatever is in your wardrobe, and sneakers. Complete the look with two French braids and a cap & accessorise it with hoop earrings.

Oops! Forget Her Birthday

Love is the most precious feeling of this world. When we are in love, it feels like heaven. In today’s world, it’s very difficult to find someone who truly loves you. When you get someone who truly loves you. Then that person’s happiness becomes your first priority, especially, special day. For girls, these things matter a lot. She expects that her boyfriend or husband remember each and everything about her. And, her expectations are common. Because, since childhood, every girl gets extra attention, love, from her family. We all know, every girl is the princess of her father. So, if you forget her any special day, she will be very upset, especially, her birthday. So, if you also forget your sweetheart’s birthday. And, she is not talking to you, she is upset from you. Then, I am going to give you some ideas to make her happy. After that, she will definitely forgive you.


Send Her A Lovely Red Rose Bouquet

I don’t need to tell about rose magic. Every couple knows it very well, especially boys. Because whenever you or she expressed love to each other. That time definitely rose made it easy for you. So this time also rose with l save you. Send her online red rose bouquet or you can give it to yourself also.  When she will a beautiful birthday bouquet in front of herself. She will be very happy and if you add chocolate with the bouquet. It will work just like icing on cake.


Bake Cake To Yourself

Whenever you do a little effort for her. It makes her happy millions of times than your effort. So, bake a beautiful and delicious birthday cake for her.  If you don’t know how to bake a cake, then you can take the help of a recipe book. There are lots of online tutorials videos are also available. But, if you don’t have time to do these things, then don’t be sad. When will these e-commerce sites work, take their help? Go any trusted e-commerce sites, the website for example Bloomsvilla. Order online cake delivery in Bangalore from that site. And, your problem gets solved. If you want anything special on the cake or any special icing. You just need to put your briefs and the Bloomsvilla makes it in reality. She will be surprised after seeing the cake. What if the birthday has gone, you can celebrate it after a week also.  You just need a cake and birthday girl or boy, that’s it.


Apologies Her In A Romantic Way

When your beloved is upset with you. Because of your irresponsible behavior. Then make her smile in a romantic way. Because only your love can make her smile again. Arrange a romantic night for her, you can say it a romantic date. Everything should be exotic and romantic in it from top to bottom. The most important thing, everything should be according to her choice. On this date, you can celebrate her birthday also. Make her feel the luckiest girl in this world. Make her feel like your queen, not only for saying. Let her feel that not only you say, but also you mean it. Express her how much you love her and how bad you are feeling. Give her a beautiful sorry card. Say sorry to your lips and promise her, that it will not happen again in the future.



Gift her something romantic and special. Online you will get lots of options. Like a cute romantic message cushion, I love you airtight balloons or heart-shaped cushion, a gift box, and so many things.  You can send flowers to delhi & gift her a red giant Teddy Bear.  You can gift her pendant, ring, necklaces or any other jewelry also. Remember one thing, whatever you gift her, it should be best.


Propose Her Again

Propose her once again and this time in a totally different way. On your romantic date, you can propose her for marriage also. If you are ready to do tie knot with her. Trust me, this will be her best birthday ever. She will cuddle you tightly and her face starts shines like a glowing bulb. write for us & share more blogs here.

Just try it, her anger will vanish. In fact, her anger will change into love.

Your Premium Guide to Buying and Leasing Golf Course Equipment

Maintaining a fleet of golf course equipment can be a tough job. It’s all in your hands. As a superintendent, you should have the basic knowledge of how each equipment is utilized. However, with the cost being high, only primary education is not enough. The competition doesn’t help with the decision making either. It poses some burden on your facility to perform as well as it can. The only thing it does is Providing the footprints to follow.

For all the beginner Golf course facilities out there, you can definitely run through the maintenance schedule of those established ones. As one of the keen observers of golf courses, we can definitely say that turf equipment plays a huge role. Consequently, how you accumulate all these equipment makes or breaks your Golf course facility.

In this article, we will discuss the methods of accumulating and maintaining Golf course equipment. As mentioned above, it’s essential to analyze these practices for future decision-making.

A brief comparison between buying new and used Turf Equipment

As you know that Golf course equipment can be bought in a brand new or second-hand condition. It totally depends upon the budget and the requirements of the golf course. Not only that, but you can also factor in other pieces of information in this decision-making process. For example, resale value, the sustainability of the facility, the brand name, long-term purpose fulfillment, etc.

If you have a low budget and limited requirements, the best bet is buying used turf equipment. However, if you think that your golf course can maintain brand-new equipment as it is for long, you can go for the brand new. However, in most cases, the used turf equipment proved to be more profitable. When it comes to other factors, the resale value is also much more in proportion in case of used equipment. Also, the brand name influences your decision. The used turf equipment from only reputed brands is recommended. You cannot just trust any other seller in terms of the durability of used equipment.

In conclusion, it totally depends on your requirements. Your current financial situation has a huge say in this decision. In fact, if you have a low budget, used turf equipment are a great way to adjust.

A brief comparison between leasing and buying Golf course equipment

One question that you might ask is to lease or buy the equipment. Yes, it’s a valid question. Again it depends upon your financial budget and the amount of capital expenditure you want to do. Leasing Golf course equipment can give you the flexibility of investing your budget somewhere else. Whereas, when you buy the brand new equipment, you are tied to one place. You can spread the same budget on several periods if you lease the equipment. It’s a very productive option as Golf course maintenance goes unhindered.

You just have to take care of the leasing terms. Moreover, leasing gives you an option to replace the equipment as and when required, without wasting much of your resources. Whereas when brand new equipment are sold, their value differs significantly due to depreciation.

So, you can simply improve your golf course maintenance quality with leased equipment. The golfers in your facility will have a better experience for sure.

In conclusion, you are better off with used turf equipment and leased tools. You have to strike a balance between your budget and the quality of Golf course maintenance. Keep in mind that used equipment are when you need the equipment for longer, whereas leased equipment are suitable when there’s a chance of replacement. That’s what it takes to assess your current situation.

Signs You Need to Get Burst Pipe Repaired

Freezing can sometimes lead to bursting in pipes. So you need to catch it on time; otherwise it can make the other pipes leak as well. Along with this, it may experience severe physical damage, rust, and other installation issues that can develop a hole in the pipeline. Remember, even a small dribble of water can also damage the drywall or either ruin the floor tiles. And this might cost you hundreds of dollars to get the burst pipe repaired. That is going to be a significant issue.



Often, pipes can begin to run just behind the drywall area, leaving shabby marks or dampness around the same. In a multi-storey property, pipes running towards upstairs, bathrooms, or laundry areas can bring down leakage to the ceiling. If you see any visible signs, then you can quickly locate the leaking spot. Indeed, it depends on the location, and there can be chances that you might need to remove a particular portion of the ceiling or drywall to repair the burst pipe.


Pressure changes

Any hole in the pipe indicates that water may come through the attached faucets. It sometimes causes a decrease in water pressure. It can be noticed while washing hands, taking a shower, or filling the sink. Whereas low water pressure can increase clogging in sinks and toilets. In case of a sudden drop, it means that leakage is happening.


Water odours

Discolourations in the water, when released through the faucets, is a clear clue that leakage is there. There can be brownish water that indicates the pipe has rust internally. On the other hand, odours can also be the reason behind the pipe leaks, and they can make the sewage hard to push out of the home. It can again pose a severe plumbing issue.


Standing water

When the leakage becomes severe or remains on for a more extended period, you may observe drips or gushing water coming out of the holes. Here, follow the source to know where the pipe is bursting. If ignored, then it can create uneven puddles near the leaking source. To get rid of sudden sinkholes or puddles, better call a professional right away to investigate and repair the burst pipe.


Strange sounds

Unusual sounds are also one of the reasons behind a leaking plumbing system. Bubbling or whistling sounds can be there when the air gets in the sewer line. Burst pipes that are dented may also produce whistling sounds when the water tries to enter through the contracted section.


Pipe problems

Generally, exposed pipes that pass through the base area of the sink can also exhibit signs that the tube has burst. Condensation or frost also indicates that water inside the pipe is frozen. Bulges in the hose often mean that water inside is expanding and frozen, and may also lead to a pipe burst.


Hefty water bills

Wondering why your water bills are high all of a sudden? The massive bill can also be a clue that the water pipe is leaking or burst. Even though you don’t consume water, when you find the water meter running rapidly, then treat it as an indicator that you need to repair the burst pipe.


Locating the leak

Sometimes, the burst water pipes are not easy to identify. You may only be able to trace when you source a leak or drip, or either stain on the drywall area. Rest of the holes or dribbles are hidden behind the walls and might not be that obvious.


If you trace a leak, the first thing you need to do is to figure out the water mains. Then switch off the appliances that utilise any faucets, toilets, or relevant sources. Now carefully examine the water meter, and after a period of half an hour check again if it moves back or not. If it does, then surely there is severe leakage. So once you notice the leak, look for any professional plumber nearby for burst pipe repair.

Top Tips for Crystal Healing: The Complete Practitioner’s guide

Crystal healing isn’t new to the world; it’s a sacred science that humans have been using for millennia to harness the healing abilities of crystals. Although many people weren’t aware of these stones earlier, they became popular worldwide in the last few years as their immense power was rediscovered. These gemstones are known as healing crystals that can improve health on three different levels: Physical, mental, and spiritual.


In this crystal healing: the complete practitioner’s guide, you are going to learn the working of crystal healing, its types, methods to use, and the right way to choose a gemstone. First of all, one needs to know the basics of the ancient practice.


What is Crystal Healing

In the 21st-century, it is an alternative medical technique that helps cure some kinds of ailments using crystals. Here, negative energy or disease-causing energy of the body is replaced with positive energy. There are many types of stones used in this process. Each of these gemstones is filled with unique energy and healing abilities for body, mind, and soul.

However, transferring energy into the human body isn’t easy. There are experienced practitioners who harness energy from these stones and transfer it into the body.


How Does Crystal Healing Work

 As per science, everything in the universe has energy. From humans to objects and everything in between, all of them have vibrations of energy at different levels. Crystals have energy, which is similar to the energy in human body cells. It is why these stones are effective in treating ailments by transferring energy.

 There are studies in the past that have identified energy in crystals that help in various kinds of activities. For example, small quartz crystals are used in watches and gadgets like smartphones and computers. People do not realize, but healing crystals have energetic properties that are used to power modern technology.

 When it comes to the use of these earthly elements in the medical world, many pharmaceuticals are the most obvious example. Minerals inside these crystals are used to make different types of pharmaceutical products.

 This crystal healing guide also confirms the use of crystals to attract or repel energy, similar to a magnet. When a crystal is placed on the body, it transforms energy through vibrations to remove negative energy. However, it is necessary to place the crystal at the right place on the body for its healing abilities.


What Type of Healing to Expect from Healing Crystals

 Crystals can help heal a human on a physical, mental, and spiritual level. It can cure some sort of pains, anxiety, headache, depression, and other ailments. Also, it makes a wonderful help to accelerate meditation practices.

 Whether someone wants to use these gemstones for body, mind, or spirit, they can help resolve an issue in three ways.



 In this type, the stones are used to remove certain energy from the body and replace it with positive energy. Similar to a magnet, these minerals attract negative energy to absorb it. One can learn the art of using crystals for removing and absorbing energy by joining a crystal healing course, which is different from a free course that tells the basics of the practice.


2. Energizing


In addition to eliminating the unwanted energy from the body, the practice can be used to transfer positive energy. Here, resonant frequencies are induced to transfer energy to the mind, body, and soul. A crystal collects energy from the surroundings and transfers it to a body.


3. Balancing

Sometimes, a body needs its energy to be balanced. It is the time when an individual’s energy is misaligned. Experienced healers use these colorful stones to infuse energy into the body and make the perfect balance of it.


How to Use Crystals

There are different types of crystals, and each of them has its own healing abilities. Also, they can collect energy from the universe and transfer them. It means there is an enormous amount of healing energy out there waiting to be collected. This crystal healing: the complete practitioner’s guide tells different methods to collect that energy and use it.


  • Wear a Crystal

Crystals are beautiful, colorful gemstones that people can wear similar to a jewelry piece. Apart from that, they can be kept in a pocket to reap their energy-healing benefits all the time.


  • Place a Crystal on the Body

 Experienced crystal healers know how and where to put crystals on the body to avail their benefits.


  • Meditate with Crystals

It is said that crystals hold information about the universe, and a quartz crystal can have as much data as more than 22,000 iPhones. By using a gemstone during the meditation process, one can have life-changing insights.


In this way, healing crystals become useful gemstones that help people on different levels. One can choose a crystal after considering its properties and healing abilities.


Prevent Yourself from Getting Dengue: Symptoms, Treatment of Mosquito-Borne Diseases

The year 2019 recorded 48 lives being claimed due to dengue by mid-October. More than 67,000 individuals had been diagnosed with the ailment, as has been reported by the National Vector Borne Disease Control Programme (NVBDCP.) These numbers reflect how the ailment has become one of the biggest health concerns across the country. The endemic conditions of the disease can be attributed to the hot and humid climate of India, suitable as breeding grounds for the Aedes aegypti mosquito. This breed of mosquito is the root cause vector of dengue fever that might turn fatal if dengue fever symptoms are not treated at the earliest.

One of the primary steps to deal with dengue is to identify its symptoms and avail the correct medical measures.

Dengue symptoms

Dengue still continues to have a global impact, affecting approximately 390 million individuals each year. The dengue fever symptoms may vary as per the stage of disease.

  1. Typical symptoms

The initial dengue symptoms are mild and can be treated without much hassle if diagnosed at the earliest. It comprises –

  • Joint pain.
  • High fever.
  • Lower WBC count.
  • Severe headache.
  • Mild gum or nose bleeding.
  • Severe eye pain.
  • Easy bruising.
  • Bone and/or muscle pain.
  1. Dangerous symptoms

Considering that the infection gets complicated, the symptoms vary –

  • Vomiting blood.
  • Difficulty in breathing.
  • Severe abdominal blood.
  • Pale, clammy, and cold skin.
  • Patches or red spots on skin.
  • Drowsiness or irritability.

Irrespective of whether the symptoms are that of mild or severe dengue infection, it is imperative to approach for medical treatment immediately. Considering that the expenses to avail such treatments can be substantial, you can opt for a Dengue Insurance Cover offered by Bajaj Finserv under its Pocket Insurance & Subscriptions. This insurance plan covers the expenses related to medication and hospitalisation charges against a minimal premium of Rs.299 per annum. Such covers bring with it the convenience of multiple payment options that include –

  • Credit or debit cards.
  • Online account transfers.
  • Mobile Wallets, etc.

While such insurance plans cover the financial aspect for the treatment of the disease, it’s essential to have a comprehensive idea about the treatment procedure as well.

Treatment of dengue fever

As of yet, there is no given dengue treatment procedure considering that cures are specific to the cases. Doctors often recommend higher liquid intake to prevent dehydration from high fever and vomiting.

However, in case of severe dengue infection, individuals would need to opt for –

  1. Supportive care in hospital.
  2. Regular blood pressure monitoring.
  3. IV fluid and electrolyte replacement.
  4. Blood transfusion.

Such thorough medical treatment needs individuals to approach efficient healthcare options. While this ensures suitable treatment, availing them often involves high-end expenditures. Such financial requirements are well met by a hospital cash cover insurance policy that comes with an easy application process, coupled with an adequate sum insured. It makes the insurance cover an ideal way to deal with regular expenses while undergoing treatment at a hospital.

While dengue fever symptoms can be treated well with proper medical care, preventing the disease from occurring would be the best approach. Along these lines, it is essential to adhere by a few tips to prevent the disease.

Dengue fever prevention tips

Dengue can be avoided considering that individuals adopt a few healthy measures that include –

  • Wearing long-sleeved clothes to ensure the least skin exposure.
  • Use mosquito nets, screens, window-nets to prevent the mosquito from entering the room.
  • Emptying items that hold water in the surroundings to act as a breeding ground of mosquitoes, or the causes of dengue.
  • Use mosquito-repellents.

With such tips in practice, the chances of being affected by mosquito-related diseases like dengue are narrowed down. However, dengue is not the only monsoon disease that an individual should be aware of. With increased chances of falling sick or getting into accidents during the monsoon, owing to an escalated presence of bacteria and viruses, it is even advisable to have a monsoon insurance cover in place. Prevention starts with taking necessary precautions, which now should include a comprehensive health insurance policy.

All About Vidyalakshmi Scheme and Education Loans Under It

According to reports from the Vidyalakshmi website, almost 54% of the total population of India is below the age of 25, and less than 5% of the entire workforce receives appropriate training to stay employed.

The Vidyalaksmi scheme aims to provide a way for such students to continue their higher studies and learn proper employable skills. As an initiative, the program offers a website where students can search, apply and keep track of availed educational loans and scholarships.

Features and benefits of Vidyalakshmi scheme

Here are a few features provided by the online Vidyalakshmi scheme portal –

  • Up to date information on educational loans offered by financial institutions. Details regarding eligibility, loan amount, repayment tenor etc. are listed on the website.
  • Availability of the Common Educational Loan Application Form (CELAF) issued by the Indian Banks Association (IBA). It is a universal form accepted by financial institutions all across India.
  • Applicants can apply to a maximum of 3 lenders via a single Vidyalakshmi loan application form or CELAF.
  • Financial lenders can download information submitted by applicants for verification. They can also inform students of the loan processing status via the website.
  • Applicants can address any grievances by directly sending an email to the financial institution.
  • The website offers a total of 99 different types of educational loans.

However, educational loans are only known to cover tuition fees. Daily and accommodation expenses associated with studying in a different state or abroad can be expensive and can be easily covered by a simple loan against property for higher education.

Besides these features, the Vidyalakshmi scheme also offers some crucial benefits, such as:

  • The website lists all information related to loans, scholarships, and lenders. This assures complete transparency between the lender and the applicant.
  • The exclusion of any hidden charges.
  • Students can keep track of their loans without having to visit the financial institution.


In order to apply for the Vidyalakshmi program, the applicant must fulfill these criteria:

  • They should be an Indian citizen.
  • Parental income up to Rs.4.5 lakh p.a.
  • They should already have secured admission in their preferred educational institute. Similar terms apply for overseas education. If you wish to pursue your graduation in one of the best American universities, you would have to qualify in the entrance examinations before applying for the loan.
  • Applicable for courses accredited by National Assessment and Accreditation Council (NAAC) and National Board of Accreditation NBA. Institutes that are not accredited have to be approved by respective regulatory bodies.

Application process

Created and maintained by the National Securities Depository (NSDL) e-Governance Infrastructure, here are the steps to apply for the Vidyalakshmi program –

  • Account registration

Account registrations require the applicant’s name, email address and a phone number. After filling up the details, an email is sent to the registered email containing an activation code which is valid for 24 hours.

  • Scheme selection

Applicants are advised to browse through these schemes before selecting a lender. They can also create a budget sheet to manage finances better if studying abroad or in a different part of the country.

  • Form fill-up

The application process consists of these seven sections:

  • Basic information.
  • Personal information.
  • Banker details.
  • Course details.
  • Cost of financial details.
  • Upload documents.

Processing starts once you have successfully submitted all necessary details.

  • Application status

The application status page allows applicants to follow up with lenders regarding the application status. They can email them or contact them directly through details listed on the website.

Necessary documents

Documents required for Vidyalakshmi loan are as follows:

  • Mark sheets.
  • Proof of admission to a particular course.
  • Income proof.
  • List of expenses as provided by the institution.
  • Form 16.
  • Latest IT return.
  • Copy of land records.
  • Undertaking letter in absence of PAN and Aadhaar number.
  • Photos of applicant, parent, co-applicant/guarantor.

The Vidyalakshmi website lists some of the top financial institutions offering educational loans to prospective students. However, educational loans do not cover daily expenses. Lenders, therefore, have introduced educational loans against property to ensure students can financially support themselves when they are studying away from home.

Bajaj Housing Finance Limited is an HFC that provides such loans with attractive rates on interests.

The company also provides pre-approved offers that simplify the process of availing a loan against property. Check your pre-approved offers simply in exchange for your name and mobile number.

The Vidyalakshmi scheme provides favourable solutions to students who do not have the means of acquiring appropriate educational funds. The information provided should help apply for the programme with relative ease.

Why Axis Long Term Equity Fund is best investment in 2020

Axis Bank is supported by the country’s largest financial institutions, UTI, LIC, GIC, and its subsidiaries. The bank was established in 1993 with a capital of Rs. One hundred fifteen crores, with UTI at Rs. 100 crores, LIC-Rs. 7.5 crores and GIC and its four subsidiaries each Rs. 1.5 crores Rs.

Hence the Axis Bank and Axis Mutual Fund are considered private sector entities and run by PSUs despite being promoted.

Among the many funds and their successive series, the Axis Long Term Equity Fund is excellent.

Axis Mutual Fund is a financial service offered by Axis Bank Limited. Many mutual funds start with equity funds, hybrid series, ELSS funds, mid-cap funds, large-cap funds, and many more.

It is also different from evolution, derivation, etc. The Axis Long Term Equity Fund is an excellent fund out of various funds and their successive series.

The fund is a SIP fund with a lock of 36 months, but all risks are covered by units earned every month according to the NAV value in the SIP.

But if taken for long-term investment, this fund has been able to give outstanding returns.

Why it is the best investment in 2020

  • It also gives tax benefits under 80C. Yet Axis customer service is very saturated. 
  • They are suggesting better plans and future funds.
  • There are dedicated employees to answer questions about each fund.
  • There are daily SMS and telephone feedbacks about the operation of mutual funds, and they also enlighten the better funds.
  • Almost all mutual fund firms now offer online platforms to make investing in mutual funds easier.
  • It is the Axis Mutual Fund, which is going a step ahead. If you have already invested in a share or mutual fund, investing in Axis through the website will good.
  • Even if you are a new investor, the site is easy to register and use.
  • For KYC, their customer care staff is more than willing to help.
  • Axis is a company that takes online/mobile connectivity very seriously.

So an outstanding service provider, satisfied. A must invest.

How to invest in Axis Long Term Equity Fund scheme

Depending on the year you wish to invest and the corpus you want to accumulate, you will have to keep a separate portfolio of mutual funds in midcap, large-cap, specific sectors, diversified, debt, etc.

Axis Fund House is doing well in ELSS, and it appreciates new funds in other categories, and some are only two years old. By comparing with other peers, you can invest and track funds.

At ELSS, for the last five years, Axis’ long-term equity fund has generated around 20 percent return and ranked as No.1.

Why you should invest

The fund has an outstanding outperformance track record. In its stock picks, it emphasizes quality and performance, prioritizing companies with better cash flow and higher earnings visibility. While the fund continues to maintain a compact portfolio, in recent times, it has sharply reduced the number of shares in response to current market conditions where only a select few stocks are doing well.

In some high-conviction bets, the fund manager is comfortable taking a broader position to achieve higher outperformance. The fund is more successful than its peers in reducing the downside. For a long time, this kept it in good standing; even he avoided matching peers during the market boom. The fund has proved to be a reasonable bid in this category.

Note: In my view, Axis Mutual Fund is successful on particular criteria like any other asset management firm in India. If you feel that the Axis Fund is suited to your horizons, goals and risk appetite, then you can invest in it or any other fund of your choice or as per your advisory recommendations.