Sunday, September 18, 2011
Saturday, September 17, 2011
Thursday, September 15, 2011
Wednesday, September 14, 2011
Tuesday, September 13, 2011
Monday, September 12, 2011
Sunday, September 11, 2011
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Education Loan in India
State Bank of India provide different types of educational loan to the students.
To extend financial assistance to all eligible/ deserving/ meritorious students
for pursuing higher education in India as well Abroad. Here we discuss about
the three different type of SBI Study Loan - SBI Student Loan Scheme, SBI
Career Loan Scheme and SBI Education Plus Scheme. All three Education Loan
offered by State Bank of India.
To extend financial assistance to all eligible/ deserving/ meritorious students
for pursuing higher education in India as well Abroad. Here we discuss about
the three different type of SBI Study Loan - SBI Student Loan Scheme, SBI
Career Loan Scheme and SBI Education Plus Scheme. All three Education Loan
offered by State Bank of India.
1. SBI Student Loan Scheme
Loan scheme by SBI (State Bank of India) is very flexible and allows the borrower
to take loan for all kind of courses offered by recognized colleges/
institutions, including part- time and correspondence courses in India or abroad
to take loan for all kind of courses offered by recognized colleges/
institutions, including part- time and correspondence courses in India or abroad
Eligibility as per this Scheme
All courses having employment prospectus are eligible
Graduation courses/ Post Graduation courses/ professional courses
Other courses approved by UGC/ Government/ AICTE etc
All courses having employment prospectus are eligible
Graduation courses/ Post Graduation courses/ professional courses
Other courses approved by UGC/ Government/ AICTE etc
Expenses Considered for Education Loan
- Fees payable to college / school/ hostel
- Examination/ Library/ Laboratory fees
- Purchases of books/ Equipment/ Instrument/ Uniforms Caution Deposit/ Building Fund/ Refundable deposit (maximum 10% tution fees for the entire course).
- Travel Expenses/ Passage money for studies abroad
- Purchase of Computer considered necessary for completion of course
- Cost of a Two- wheeler up to Rs.50,000/-
- Any other expenses required to complete the course like study tours, Project work. Etc
Amount of Loan : For studies in India, maximum Rs.10.00 lacs and Studies Abroad, maximum Rs.20 lacs.
Interest Rate
- For loan up to Rs.4 lac –0.50% below SBAR i.e 11.75% p.a
- For loan above Rs.4 lac and up to 7.50 lacs 1.00% above SBAR 13.25% p.a.
- For loan above Rs.7.50 lacs –SBAR – 12.25% p.a 1% concession if interests is serviced during the moratorium period.
Processing Fees
No processing fee/ upfront charges. A deposit of Rs.5000/- for education loan for studies abroad which will be adjusted in the margin money.
No processing fee/ upfront charges. A deposit of Rs.5000/- for education loan for studies abroad which will be adjusted in the margin money.
Repayment Tenure
5 to 7 years (Repayment will commence one year after completion of the course or 6 months after securing a job, which ever is earlier).
5 to 7 years (Repayment will commence one year after completion of the course or 6 months after securing a job, which ever is earlier).
Loan Security
- Up to Rs. 4 lacs- No Security
- Above Rs.4 lacs to RS.7.50 Lacs- Collateral security in the form of suitable third party guarantee. The Bank may, at its discretion, in exceptional, cases weive third party guarantee if satisfied with the net- worth/ means of parent/ s who would be executing the documents as “joint borrower”
- Above Rs.7.50 lacs- Tangible collateral security of suitable value, along with the assignment of future income of the student for payment of installments.
All loans should be secured by parent(s)/ guardian of the student borrower. In case of married person, co-obligation can be either spouse or the parent(s)/ parent-in-law
Loan Margin
- For loans up to Rs.4.0 lacs : No margin
- For loan above Rs.4.0 lacs
- Studies in India: 5% and Studies abroad: 15%
Documentation Required for Study Loan
- Completed Education Loan Application Form.
- Mark sheets of last qualifying examination
- Proof of admission scholarship, studentship etc
- Schedule of expenses for the specified course
- 2passport size photograph
- Borrower’s Bank account statement for the last six months
- Application bank account statement for the last six months.
- Acknowledge copy of Income Tax Returns of last 2years of the parent.
- Income tax assessment order, of last2years
- Brief statement of assets and liabilities , of the Co-borrower
- Proof of Income (i.e. Salary slips/ Form 16 etc)
- Proof of Residence.
2. SBI Career Loan Scheme
Eligibility as per this SBI Scheme
Individuals who undertake a course for training/ skill development. Initially this
scheme will be restricted to person joining Commercial Pilot training courses
in India and abroad, from institutes recognized by the Ministry of Civil
Aviation/ DGCA. Applicant Minimum 18 years old.
Individuals who undertake a course for training/ skill development. Initially this
scheme will be restricted to person joining Commercial Pilot training courses
in India and abroad, from institutes recognized by the Ministry of Civil
Aviation/ DGCA. Applicant Minimum 18 years old.
Nature of Facility: Term Loan with the applicant and parent/ guardians/
spouse as co-borrowers.
spouse as co-borrowers.
Co-borrower: Maximum 60 years
Quantum of Loan : Maximum of Rs.20 lacs
Repayment
36 months in Equated Monthly Installments. Maximum moratorium period
one year after completion of course. No penal charges would be levied
in case of early repayment of loan by borrowers. Accrued interest during
the moratorium to be added to the principal.
36 months in Equated Monthly Installments. Maximum moratorium period
one year after completion of course. No penal charges would be levied
in case of early repayment of loan by borrowers. Accrued interest during
the moratorium to be added to the principal.
Interests
Type of Security: Land/ Building Rate of Interest: 0.25% of the loan amount
to be recovered upfront
Type of Security: Land/ Building Rate of Interest: 0.25% of the loan amount
to be recovered upfront
Security of Loan
Equitable Mortgage of non-encumbered residential house/ flat, non-agricultural
urban immovable property, commercial or industrial property in the name and
possession of the borrower co-borrower, i.e Either Self-occupied or vacant.
Where equitable mortgage is not feasible and the customer and the customer
is wiling to execute Registered mortgage deed, it can also be accepted.
Equitable Mortgage of non-encumbered residential house/ flat, non-agricultural
urban immovable property, commercial or industrial property in the name and
possession of the borrower co-borrower, i.e Either Self-occupied or vacant.
Where equitable mortgage is not feasible and the customer and the customer
is wiling to execute Registered mortgage deed, it can also be accepted.
3. SBI Education Plus Scheme
Name of the Scheme
To finance employed persons to pursue Distance Education Programmes and
Part Time Courses (evening, etc) For career development in india.
To finance employed persons to pursue Distance Education Programmes and
Part Time Courses (evening, etc) For career development in india.
Eligibility as per this Scheme
Permanent employees of State/ Central/ PSUs/ Reputed Private Sector
Companies/ Reputed Institutions with a minimum service of 2 years and
who have secured seat for pursuing higher studies in the Distance Education
and also Part Time Courses (evening etc). A letter of Clearance/ cosent
letter from the employer for pursuing the proposed courses should be obtained.
Permanent employees of State/ Central/ PSUs/ Reputed Private Sector
Companies/ Reputed Institutions with a minimum service of 2 years and
who have secured seat for pursuing higher studies in the Distance Education
and also Part Time Courses (evening etc). A letter of Clearance/ cosent
letter from the employer for pursuing the proposed courses should be obtained.
Eligible Courses of SBI Education Plus Scheme
Distance Education and Part Time Courses Leading to Diploma/ Degree
Post Graduation conduced by colleges/ universities approval by UGC/ Govt
./ AICTE/ AIBMS/ ICMR. IGNOU, etc , and other reputed institutions
approved by GM(Network) falling with in his area of operation.
Distance Education and Part Time Courses Leading to Diploma/ Degree
Post Graduation conduced by colleges/ universities approval by UGC/ Govt
./ AICTE/ AIBMS/ ICMR. IGNOU, etc , and other reputed institutions
approved by GM(Network) falling with in his area of operation.
Quantum Of Loan: 15 times net monthly income, Max: Rs.1,00,000 and
Min: Rs.25,000
Min: Rs.25,000
Repayment of Loan
60 months in Equated Monthly Installments commencing from the month
from the date of disbursement. No penal charges will be levied in case
of early repayment of loan by borrowers.
60 months in Equated Monthly Installments commencing from the month
from the date of disbursement. No penal charges will be levied in case
of early repayment of loan by borrowers.
More Information Contact State Bank of India (SBI) Zonal office
11, Sansad Marg, New Delhi - 110001
Phone : 9910378444, 8445, 8446, 8447
11, Sansad Marg, New Delhi - 110001
Phone : 9910378444, 8445, 8446, 8447
Education Loan from Banks and Trust
- Student Loans
- Student Loan Consolidation
- Federal Student Loans
- Allahabad Bank Education Loan
- Andhra Bank Education Loan
- Bank of Baroda Education Loan
- Bank of Maharashtra Education Loan
- Bank of Punjab Education Loan
- Bank of Rajasthan Education Loan
- Canara Bank Education Loan
- Catholic Syrian Bank Loan
- Central Bank of India Loan
- Corporation Bank Education Loan
- Dena Bank Education Loan
- Development Credit Bank Loan
- Fedral Bank Education Loan
- HDFC Bank Education Loan
- HSBC India Education Loan
- ICICI Bank Education Loan
- IDBI Bank Education Loan
- Indian Bank Education Loan
- Indian Overseas Bank Loan
- ING Vyasa Bank
- J&K Bank Education Loan
- Karnataka Bank Education Loan
- Lakshmi Vilas Bank Loan
- Nedungadi Bank Education Loan
- Oriental Bank of Commerce Loan
- Punjab National Bank Loan
- Punjab and Sind Bank Loan
- Sbbj Education Loan
- State Bank of Hyderabad Loan
- State Bank of India Education Loan
- State Bank of Indore Education Loan
- State Bank of Mysore Loan
- State Bank of Saurashtra Loan
- State Bank of Travancore Loan
- Syndicate Bank Education Loan
- UCO Bank Education Loan
- United Bank of India Loan
- Union Bank of India Loan
- Vijaya Bank Education Loan
STUDY IN AUSTRALIA
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