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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.

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    juliansam133Tue, 14 Apr 2015 09:41:59 -0000

    Hello Every One, I am mrs Julian Sam From Ohio U.S.A, I quickly want to use this medium to shear a testimony on how God directed me to a Legit and real loan lender who have transformed my life from grass to grace, from being poor to a rich woman who can now boast of a healthy and wealthy life without stress or financial difficulties. After so many months of trying to get a loan on the internet and was scammed the sum of $5,200 i became so desperate in getting a loan from a legit loan lender online who will not add to my pains, then i decided to contact a friend of mine who recently got a loan online, we discussed about the issue and to our conclusion she told me about a man called Mr Harrison Loris who is the C.E.O of Harrison Loris Loan Company So i applied for a loan sum of (320,000.00USD) with low interest rate of 2%, so the loan was approved easily without stress and all the preparations where made concerning the loan transfer and in less than two(2) days the loan was deposited into my bank so i want to advice any one i need of a loan to quickly contact him via: ( Lorisloancompany@yahoo.com) he does not know am doing this i pray that God will bless him for the good thing he has done in my life.

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    GOUTAM74
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    GOUTAM74Sun, 12 Apr 2015 23:16:20 -0000

    I am CAHYA GOUTAM an i live in UK. I wanted a loan badly to start a
    business of my own because I realize working for other people makes the
    owner of the business richer, I came across a post on a site were i can get
    a loan without any collateral or credit card. To cut the long story short i
    applied for the loan and i the company was able to give me a loan of
    $50,000 to start my business and now my business is growing well and have
    been able to pay half of the loan within the space of 2 years. My friends i
    decided to share this testimony with everyone if you want any type of loan
    please contact JULIA NAVARO at navaroloancompany@gmail.com, am very
    positive he will be willing to help.

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    juliansam13
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    juliansam13Sat, 11 Apr 2015 05:27:03 -0000

    Hello Every One, I am mrs Julian Sam From Ohio U.S.A, I quickly want to use this medium to shear a testimony on how God directed me to a Legit and real loan lender who have transformed my life from grass to grace, from being poor to a rich woman who can now boast of a healthy and wealthy life without stress or financial difficulties. After so many months of trying to get a loan on the internet and was scammed the sum of $5,200 i became so desperate in getting a loan from a legit loan lender online who will not add to my pains, then i decided to contact a friend of mine who recently got a loan online, we discussed about the issue and to our conclusion she told me about a man called Mr Harrison Loris who is the C.E.O of Harrison Loris Loan Company So i applied for a loan sum of (320,000.00USD) with low interest rate of 2%, so the loan was approved easily without stress and all the preparations where made concerning the loan transfer and in less than two(2) days the loan was deposited into my bank so i want to advice any one i need of a loan to quickly contact him via: ( Lorisloancompany@yahoo.com) he does not know am doing this i pray that God will bless him for the good thing he has done in my life.

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    Courtney220
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    Courtney220Fri, 10 Apr 2015 02:50:04 -0000

    Hello Everyone I am Daniel Steve from Texas, USA. I will like to share the goodness of God in my life after so many months of trying to get a loan on the internet and was been scammed so i became restless and desperate in getting a loan from a legit lender online. But as God would have it, i saw a comment from a friend called William Ken and he talked about this legit loan company where he got his loan fast and easy without any stress so he introduced me to a man called Mr Mason Diego who controls a firm called Diego Loan Company, So i applied for a loan sum of ($170,000.00USD) with low interest rate of 2%, so the loan was approved and deposited into my bank account in less than 48hrs, that was how i was able to get back on my feet to keep my broken business running and also to pay off my bills so i am advising everyone of you who is interested in getting a loan without collateral, no credit check, no co signer with just 2% interest rate and better repayment plans/ schedule, to please contact Mr Mason Diego. You can contact him through his email: diegoloancompany@yahoo.com

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    james12345
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    james12345Wed, 08 Apr 2015 01:45:32 -0000

    Hi everybody, I am OWEN JOAN,currently living in canada. I am married at the moment with two kids and i was struck in a financial situation and in needed to refinance and pay for my son medical bills. I tried seeking loans from various loan firms both private and corporate but never with a GOD son success,and most banks declined my credit. But as God would have it, i was introduced to a private loan lender by my friend (johnson) and i got a loan sum of (48,000USD) 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% and better repayment plans and schedule,please contact ( Mr moris) he doesn't know that am doing this but am so happy now and i decided to let people know more about him, he offers all kinds of loans to both individuals and company and also i want God to bless him more. You can contact his company through this email (morisloancompany6@gmail.com)

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    Camleo
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    Camleo Mon, 06 Apr 2015 21:07:24 -0000

    Dear Sir/Madam,

    We, Camleo Loan Financial Services Ltd.offers loan at a very low interest rate of 5.5 % ,we offer Personal loans, Debt Consolidation Loan, Venture Capital, Business Loan, Education Loan, Home Loan or "Loan for any reason!. Have you been turned down by your bank? Do you have bad credit? Do you have unpaid bills? Are you in debt? Do you need to set up a business? Worry no more as we are here to offer you a low interest loan. Our loan ranges from $10, 000.00 (Ten Thousand US Dollar) to $10, 000,000.00. (Ten Million US Dollar ) Loan duration is 1 to 10 years (Maximum). If you are interested do not hesitate to contact us with your details.
    Yours Sincerely,

    Mr. Klent Eugene
    Loan Service Controller,
    Contact Email: Camleofinancialservices@accountant.com

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    wilsonbrad
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    wilsonbradSun, 05 Apr 2015 13:27:57 -0000

    I am Mr. Wilson , a money lender accredited
    I offer loan to all individuals with low interest rate
    3% , a loan or funding is needed for any
    reason, such as : Personal loan, business loan,
    and student loan etc. contact us via: wilsonbrad.loan@gmail.com or via mobile: +447045775795/ +447045784914 and complete the
    loan application form below to able
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    Borrowers INFORMATION .
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    mike brown
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    mike brownSat, 04 Apr 2015 22:58:16 -0000

    Good Day !!

    I am Mike Brown, Working with ECO BANK PLC a Reputable, Legitimate & an accredited money
    Lending company. I want to use this medium to inform you that we render reliable beneficiary
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    fidelitybankloanoffer9@gmail.com

    *Home Improvement
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    Yours Sincerely,

    Mike Brown(MD).

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    juan59
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    juan59Fri, 03 Apr 2015 23:33:37 -0000

    FAST CLOSE DEAL FOR ANY TYPE OF LOAN APPLY TODAY !! @ ICC Mortgage And financial Services, Is a sincere and certified private Loan company approved by the Government, we give out international and local loans to all countries in the world,Amount given out $2,500 to $100,000,000 Dollars, Euro and Pounds.We offer loans with a dependable guarantee to all of our clients. Our loan interest rates are very low and affordable with a negotiable duration.

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    FOR MORE INFORMATION:

    Juan jones
    Email: juan.jones59@yahoo.com

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    mike brown
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    mike brownFri, 03 Apr 2015 14:55:32 -0000

    Good Day !!

    I am Mike Brown, Working with FIDELITY BANK PLC a Reputable, Legitimate & an accredited money
    Lending company. I want to use this medium to inform you that we render reliable beneficiary
    assistance as we'll be glad to offer loan at 2% interest rate to reliable individuals.

    Services Rendered include:

    *Home Improvement
    *Inventor Loans
    *Car Loans
    *Debt Consolidation Loan
    *Line of Credit
    *Second Loan
    *Business Loans
    *Personal Loans
    *International Loans.

    Please write back if interested.
    Upon Response, you'll be mailed a Loan application form to fill. (No social
    security and no credit check, 100% Guaranteed!) I Look forward permitting me to
    be of service to you. You can contact me via e-mail: fidelitybankloanoffer9@gmail.com
    Yours Sincerely,

    Mike Brown(MD).

    Post Comments

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