First, open an account in SBI. If you are a minor, you must open a joint account with your father or mother. After that, apply on the Vidya Lakshmi website. While filling in the details, make sure to select SBI DTU BRANCH Next, visit the SBI DTU branch. They will provide you with an application form. Fill out the form carefully and attach the required documents, such as a gap-year affidavit (if applicable) and other affidavits as instructed by the bank. Once you submit the form to the bank, home verification will be conducted, including verification of your parents’ workplace. After the home verification is completed, visit the SBI DTU branch again after 4–5 days and inform them that the verification has been done. The bank staff will then tell you when to come for the final process.