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Educational Loan : Indian Students Going Abroad

by Deepa Mittal

Ask The Experts

You have got the skills and talent but lack of funds to pursue your ambition of studying abroad.
Why not consider an Study Abroad educational loan and turn your dream into reality!! Remember, choice is yours.
In an endeavor to grant privilege to all meritorious students to pursue their ambition of studying abroad, most large commercial banks have increased their educational loan portfolio.

To be eligible for loan, you should be an Indian resident having secured admission in any of the bank's list of approved course or universities.

The quantum and terms of loans vary from bank to bank. Currently, they lend up to a maximum of Rs 20 lakhs for studying abroad. It covers typically:

  • Tuition fees payable to college/school;
  • Examination /library /hostel charges;
  • Travel expenses;
  • Purchase of books /equipment /uniform;
  • Cost of two-wheelers (optional).
Repayment is in the form of equated monthly installments (EMIs) which commences one year after the course or six months after the graduate has got a job, whichever is earlier.
The tenure can be from 3-8 years. Most banks do not require any margin up to Rs 4 lakh and, beyond that, 15 per cent margins are charged.

SECURITY: Usually for loans up to Rs. 4 lakhs, no collateral security is required.

For loans ranging from Rs. 4 lakhs to Rs. 7.50 lakhs, collateral in the form of a satisfactory third party guarantee is required.

For loans above Rs. 7.50 lakhs, collateral security of suitable value or co-obligation of parents/guardian/third party guarantee along with the assignment of future income of the student for the payment of installments may be obtained.

Security can be in the form of :
  • Government Securities/ public sector bonds
  • Land/building
  • Units of UTI, NSC, KVP, LIC policy, gold, shares/debentures,
  • Bank deposit in the name of the student, parent/guardian or any other third party with suitable margin.
Generally, the interest charged is tied to the Prime Lending Rate (PLR). This rate is applicable for certain amounts of loans. If it is higher than this amount, you may be required to pay one per cent more or less.

The PLR is the rate at which a bank offers loan to prime borrowers.
Interest Rates for some banks in India follows as:
Bank Amount
(Max in lakhs)
Rate of Interest
Bank of Maharashtra 20 Upto 4 lakhs: 12%
Above 4 lakhs: 12.75%
Upto 4 lakhs:0.50% below SBAR* i.e.13.25% p.a. Floating
State Bank of India 20 4-7.5 lakhs:1.00% above SBAR 14.75 % Floating
Above 7.5 lakhs:SBAR 13.75% p.a. Floating
Punjab National Bank 20 Upto 4 lakhs: BPLR - 1.50%
Above 4 lakhs: BPLR - 0.75%
Allahabad Bank 20 Upto 4 lakhs: PLR-0.75%
Above 4 lakhs: PLR - 1.00%
Indian 20 Upto 4 lakhs: 12.50%
Above 4 lakhs:13.00 %
Dena Bank 20 Upto 4 lakhs: 11.25%
Above 4 lakhs: 14.25%
Union Bank of India 15 Upto 4 lakhs: PLR
Above 4 lakhs : PLR + 1%
  • The Benchmark Prime Lending Rate (referred to as SBAR) of State Bank of India.

    Steps to follow before filling out loan application form:

    STEP 1. Check if your course or institute is recognized by the bank.

    STEP 2. Figure out how much loan you would require.
    Roughly estimate your expenditures. Discuss with your family how much they can afford and the amount you would require to take as loan.

    STEP 3. Search out various loan options.

    STEP 4. Compare the different options and find out the optimum one.
    Make sure you go through all the terms and conditions from the bank before you opt for education loan.
    You might ask yourself following questions:
    • Which offers the lowest interest rate.
    • How long will I be paying the loan.
    • How long can I defer payments while studying.
    • Is there any option for deferring payments if faced into a financial problem.
    STEP 5. Apply for the loan to Study Abroad.

    Important Documents required for Loan Application.
    • Completed Education Loan Application Form.
    • Mark sheets of last qualifying examination
    • Proof of admission scholarship, studentship etc
    • Schedule of expenses for the specified course
    • 2 passport size photographs
    • Borrower's Bank account statement for the last six months
    • Income tax assessment order, of last 2 years
    • Brief statement of assets and liabilities, of the Co-borrower
    • Proof of Income (i.e. Salary slips/ Form 16 etc)
    Important things that bank scrutinize before granting loan:
    • The repayment capacity of the student's parents/family/Sponsor.
    • The value of Collateral Security. Bank usually got the valuation of the collateral done from an approved Valuator only then process the loan application.
    • Margin money: Usually in case of Overseas education loan the student family to contribute some margin money, usually its 25%. For example if a student is applying for Rs. 20 Lakh loan and the margin money is 25% then Rs.5 lakhs has to be contributed by Student's Family.
Most banks provide you with an online application form.

449 Comments
    Anderson790
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    Anderson790Wed, 30 Jul 2014 21:12:15 -0000

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    Samanthajefff2
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    Samanthajefff2Tue, 29 Jul 2014 09:39:20 -0000

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    Mr Bob Diamond
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    Mr Bob DiamondTue, 29 Jul 2014 06:35:37 -0000

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    elvisj
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    elvisjTue, 29 Jul 2014 04:55:33 -0000

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    claraandrews
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    Merrick Loan Institute
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    Merrick Loan InstituteTue, 29 Jul 2014 00:54:09 -0000
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    MarianGareth111
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    MarianGareth111Mon, 28 Jul 2014 05:46:16 -0000

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    WaiterKerteria
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    WaiterKerteriaMon, 28 Jul 2014 01:51:00 -0000

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    pottergreen
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    pottergreenSun, 27 Jul 2014 15:40:17 -0000

    Hello, I am Green Potter, currently living, USA. I am a businessman and i was stuck in a financial situation in April 2014 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit. But as God would have it, I was introduced to a Woman of God a private loan lender who gave me a loan of $85,000USD and today am a business owner and am doing well. If you must contact any firm with reference to securing a loan without collateral, no credit check, no co signer with just 3% interest rate and better repayment plans and schedule,

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    pastordavidloanoffer
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    pastordavidloanofferSun, 27 Jul 2014 11:50:53 -0000

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    Samanthajefff
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    SamanthajefffSun, 27 Jul 2014 06:49:51 -0000

    Hello, I am Samantha Jeff, currently living in Texas city, USA. I am a widow at the moment with Four kids and i was stuck in a financial situation in May 2014 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit. But as God would have it, I was introduced to a Man of God a private loan lender who gave me a loan of 350,000USD and today am a business owner and my kids are doing well at the moment, if you must contact any firm with reference to securing a loan without collateral , no credit check, no co signer with just 2% interest rate and better repayment plans and schedule, please contact Mr Andre Frank (Frankloancompany@yahoo.com). He doesn't know that am doing this but am so happy now and i decided to let people know more about him and also i want God to bless him more. You can contact him through his email . Frankloancompany@yahoo.com

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    frank morgan
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    frank morganSat, 26 Jul 2014 05:11:46 -0000

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    laurentravis
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    laurentravisFri, 25 Jul 2014 15:20:18 -0000

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    ttby09Fri, 25 Jul 2014 07:27:43 -0000

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    Mr Andrew Ethan
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    Mr Andrew EthanThu, 24 Jul 2014 09:31:46 -0000

    Hello everybody, I am Mr Andrew Ethan,currently living in canada,I am a married man at the moment with two kids and i was stuck in a financial situation by Octomber 2013 and i needed to refinance my business and pay my bills for my son medication.I tried seeking loans from various loan firms both private and corporate but never with success,and most banks declined my credit. But as God would have it, i was introduced to a woman of God a private loan lender by a friend named Mr.Joshua and i got a loan sum of $400,000USD and today am a business owner and my kids are doing well at the moment. So dear,if you must contact any firm with reference to securing a loan with low interest rate of 2.5% and better repayment plans and schedule,please contact Mrs. MARIA JOHNSON, she doesn't know that am doing this but am so happy now and i decided to let people know more about her,she offers all kinds of loans to both individuals and company and also i want God to bless her more. You can contact her company through this email mariajohnsonloancompany001@gmail.com

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    redwood234234
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    redwood234234Wed, 23 Jul 2014 19:42:07 -0000

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    jhwa
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    laurentravis
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    laurentravisWed, 23 Jul 2014 06:31:36 -0000

    Hello everyone!!!

    My name is MRS LAUREN TRAVIS A CITIZEN of USA. i have been scammed by 3 different Internet international lender, they all promise to give me a loan after making me pay several fees which yield nothing and amounted to no positive result. i lost my hard earn money and it was a total of 10,000USD. One day as i was browsing through the internet with tears on my eye i came across a testimony of man who was also scammed and eventually got linked to a legit loan company called ALVAROLOANCOMPANY where he finally got his loan, so i decided to contact the same loan company and then told them my story on how i have been scammed by 3 different lenders who did nothing but to course me more pain. I explain to the company by mail and all they told me was to cry no more because i will get my loan in their company and also i have made the right choice of contacting them. i filled the loan application form and proceeded with all that was requested of me and I was given a loan amount of $85,000 Dollars by this great Company (ALVAROLOANCOMPANY} managed by Mr.ALVARO AMARANTO and here i am today happy because ALVAROLOANCOMPANY has given me a loan so i made a vow to my self that i will keep testifying on the internet on how i got my loan. Do you need a loan urgently kindly and quickly contact ALVAROLOANCOMPANY now for your loan via email:ALVAROLOANCOMPANY@yahoo.com
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    MRS.LAUREN TRAVIS

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    Swanson
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    SwansonTue, 22 Jul 2014 19:19:52 -0000

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    GLASGLOW
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    GLASGLOWTue, 22 Jul 2014 18:57:59 -0000

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    Mr Fred Jaggerty
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    Mr Fred JaggertyMon, 21 Jul 2014 04:12:30 -0000

    Hello Every One, My Name is Mrs Gwen Thomson i live in USA and life is worth living comfortably for me and my family now and i really have never seen goodness shown to me this much in my life as i am a struggling mum with four kids and i have been going through a serious problem as my son encountered a terrible accident last weeks, and the doctors states that he needs to undergo a delicate surgery for him to be able to walk again, and i could not afford the bill for his surgery then i went to the bank for a loan and they turn me down stating that i have no credit card, from there i run to my father and he was not able to help, then when i was browsing through yahoo answers and i came across a loan lender Mrs Loveth William who provides loans at an affordable interest rate and i have been hearing about so many scams on the internet but at this my desperate situation, i had no choice than to give it an attempt and surprisingly it was all like a dream, i received a loan of $250,000 USD and i payed for my son surgery and thank GOD today he is okay and can walk and is working and the burden is no longer so much on me any more and we can feed well and my family is happy today and i said to my self that i will shout aloud to the world of the wonders of GOD to me through this GOD fearing lender Mrs Loveth William and i will advise anyone in genuine and serious need of loan to contact this GOD fearing woman via email..lovethwilliamloancompany002@gmail.com and i want you all to pray for this woman for me.

    THANKS

    Mrs Gwen Thomson

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    Mr Fred Jaggerty
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    Mr Fred JaggertySun, 20 Jul 2014 14:01:22 -0000

    I'm Mr Fred Jaggerty by name. I live in USA, i want to use this medium to alert all loan seekers to be very careful because there are scammers everywhere.Few months ago I was financially strained, and due to my desperation I was scammed by several online lenders. I had almost lost hope until a friend of mine referred me to a very reliable lender called Mrs Loveth William who lend me an unsecured loan of $50,000 under 9hours without any stress. If you are in need of any kind of loan just contact her via email…lovethwilliamloancompany002@gmail.com i am using this medium to alert all loan seekers because of the hell I passed through in the hands of those fraudulent lenders. And I don't wish even my enemy to pass through such hell that I passed through in the hands of those fraudulent online lenders,i will also want you to help me pass this information to others who are also in need of a loan once you have also receive your loan from Mrs Loveth William ,i pray that God should give her long life. God bless her forever for the good things she has done in my life.

    Mr Fred Jaggerty

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    malinda
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    malindaFri, 18 Jul 2014 19:04:57 -0000

    Dear Brother/Sister

    It is good to be inform than to be deformed, I'm Melinda Mcclauvsky the
    chief Accountant of Amiga Cooperation, Spain. Last year our company
    went down financially, so we needed a loan of 60, 000, 000 euro to
    finance our production to be able to meet up with the stock market due
    to our present predicament with the bank in Spain,we couldn't meet them for assistance because we are owing them a huge amount of money.

    There was a friend of mine who took a loan from lee chang loan company plc, an online firms, so she directed me to them. I told my boss about them, so he decided to discuss it with the management first, after their conclusion, they concluded they should give it a try because they have no any option left.

    So I was told to contact them and our application was approved and we got our loan that help us to get out of the mess we passed through the years and we cleared all our debts. One interesting thing about them is that they give 3,500 euro bonus at the end of they to any old customer who can refer 10 people to them. If you are here and in need of financial/loan assistance of any type contact the (CEO) Lee Chang on their email: leechangloancompany.ch@gmail.com

    Please try and mention us to them so
    that we can be able to get the yearly bonus at the end of the year.
    Thanks

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    LESLIE_FRANK
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    LESLIE_FRANKFri, 18 Jul 2014 18:51:56 -0000

    Leslie Frank is my name , OMG ,OMG OMG … I cant believe it that after contacting Queeneth Stark Loan Council 48 hours ago for a
    loan funds of $40,000.00 Dollars that i would receive this loan funds asap but i just wanna say it on here that i just got my loan funds and this still looks like a dream and a total magic to me …. QUEENETH STARK LOAN COUNCIL …. YOU ARE THE BEST AMONG THE REST .

    May God Bless You For This Surprise .
    You Can Have Them Contacted Via /// mrsstarkloans@aol.com

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    smithswanson63
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    smithswanson63Fri, 18 Jul 2014 07:24:07 -0000

    Hello, I Am smith swanson, a private loan lender i give out loan to tho se that are in need of loan, and Those that want to start a new business.I give out Personal Loans, Business Loans, Student Loans and Company Loans. EMAIL US NOW:::: smithswanson63@gmail.com

    Full Name:
    Sex:
    State:
    Country:
    Occupation:
    Monthly Income:
    Amount Needed:
    Duration:
    Phone Number +:
    Intrest Rate%:

    EMAIL US NOW:::: smithswanson63@gmail.com

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    kennety
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    kennetyFri, 18 Jul 2014 06:54:42 -0000

    To whom it may concern

    Are you financially down? Do you need a loan to start up business of pay off bills? we offer all kinds of financial assistance to every individuals "Business loan and personal loan, for investment, debt consolidation and house purchase etc." we will be willing to offer you the loan. Offer is affordable at an interest rate of 2%;this Funding program allows a client to enjoy low interest payback for as low as 2% per annum for a period of 2 months - 20 years. We can approve a loan/funding for a minimum of 5,000.00 up to 20,000,000.00 dollars/euros/pounds or more depending on the nature of business. but before we can proceed with the loan, you have to fill the loan application form below to enable us calculate for you the repayment schedule.

    Loan Application Form

    Borrower's name:
    Gender:………………………………..
    Marital status:…………………………
    Contact Address:………………………..
    Country:……………………………….
    Date of Birth:………………………….
    Amount Needed as Loan:…………………..
    Loan Duration:………………………….
    Monthly Income:…………………………
    Occupation:…………………………….
    Purpose for Loan:……………………….
    Phone number(s)……………………………
    Have you apply for a loan before?…………
    How did you hear about us?……………….
    =========
    Our mode of transfer is mainly bank to bank wire transfer, sometimes via western union money transfer, money gram, Ria transfer etc. pending on the amount of loan involved. All other details will be given to you as soon as the loan application form is filled and returned. Ensure you contact us with this email: paylessloanfirm@outlook.com

    Thanks for your patronage

    Mr. Evans Smith
    Email: paylessloanfirm@outlook.com

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    maryberryhooks
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    maryberryhooksWed, 16 Jul 2014 11:27:44 -0000

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    stevenloanfirm4@gmail.com,
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    Mr Steven Jones
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    Mr Steven JonesMon, 14 Jul 2014 02:56:59 -0000

    Hello Beloved People,

    I am Mrs. Donna Smith am writing this letter because am really grateful for what Mr. Steven Jones did for me and my family, when I thought there was no hope him came and make my family feel alive again by leading us loan of low interest rate of 3% I never thought that there are still genuine loan lenders in the Net but to my surprise i got my loan without wasting much time so if you are out there looking for a loan of any amount i would like you to email VIA (stevenjonesinvestment08@gmail.com) I wish you all success

    Regards
    Mrs Donna Smith

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    anitajones11
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    anitajones11Sun, 13 Jul 2014 04:16:55 -0000

    Hello,
    This is to inform the general public that Mrs Anita Jones, a private loan lender has open up a financial opportunity for everyone in need of any financial help. We give out loan at 2% interest rate to individuals, firms and companies under a clear and understandable terms and condition. contact us today by e-mail at: (anitajones154@gmail.com)

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    Samantha Jeff5
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    Samantha Jeff5Fri, 11 Jul 2014 04:31:31 -0000

    Hello everyone,
    My name is Samantha Jeff, I am from the Texas, United State, am here to testify of how i got my loan from Mr Andre Frank {frankloancompany@yahoo.com} after i applied Two times from various loan lenders who claimed to be lenders right in this forum,i thought their lending where real and i applied but they never gave me loan. I was in need of an urgent loan to start a business and i applied from various loan lenders who promised to help but they never gave me the loan.Until a friend of mine introduce me to Mr Andre Frank the C.E.O of Andre Frank Loan Company who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I never thought there are still reliable loan lenders until i met Mr Andre Frank, who really helpe me with my loan and changed my lief for better. I dont know if you are in need of an urgent loan, free feel to contact Mr Andre Frank on his email{ Frankloancompany@yahoo.com} for help

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