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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.

480 Comments
    ujjalmukherjee2008
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    ujjalmukherjee2008Sat, 23 Aug 2014 04:42:54 -0000

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    shornisaac
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    shornisaacFri, 22 Aug 2014 18:48:16 -0000

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    pastordavid
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    pastordavidFri, 22 Aug 2014 09:30:57 -0000

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    iccmortagageFri, 22 Aug 2014 05:00:23 -0000

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    MrsShiela MaeDequina
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    MrsShiela MaeDequinaThu, 21 Aug 2014 06:15:02 -0000

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    pastor david
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    pastor davidWed, 20 Aug 2014 21:57:50 -0000

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    zopadepartment
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    zopadepartmentTue, 19 Aug 2014 09:04:05 -0000

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    ponder234
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    ponder234Tue, 19 Aug 2014 01:11:29 -0000

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    MARK PAUL
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    MARK PAULMon, 18 Aug 2014 08:25:49 -0000

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    S_mithttt
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    S_mithtttSun, 17 Aug 2014 23:30:34 -0000

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    RL LENDER
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    RL LENDERSun, 17 Aug 2014 22:28:05 -0000

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    NicoleMorgan
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    NicoleMorganSat, 16 Aug 2014 05:26:08 -0000

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    DERENIK
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    DERENIKFri, 15 Aug 2014 18:01:09 -0000

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    Wilecia
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    WileciaFri, 15 Aug 2014 00:18:57 -0000

    What an incredible story in my life, I am Mrs Wilecia Berbana,currently living in New York City, USA. I am a widow at the moment with three kids and i was stuck in a financial situation. Last two months i needed to refinance and pay my bills and some others serious debt. I was looking for a loan of $ 650,000.00 USD then I apply for a loan in one of the on-line loan company where i was scam about $3,800,00 usd in lending in the UK, but when I put the complain my good friend told me that the only place to get a loan on-line is MARY LOAN FIRM the company is 100% guarantee that if I apply in a business loan I am to get the loan without any delay in the transaction, so i did, with a great fear in my heart not to loose money for the second time. My brothers and sister i want to let you know that there are still good people in the world we can trust and have faith on. With the advice of my friend in which I ask the company for a loan last week and to my greatest surprise i just got my loan yesterday. My hope and trust was all gone but now i new there are real loan firm we can trust. Am using this opportunity to inform you all that if you are in need of a loan, do not go else where so sick for a loan. i have found a real loan lender that can help you because he told me that the success of the societies is his pride i want you to sick for a loan in MARY LOAN FIRM. Here are the company email: maryjamesloanfirm3@gmail.com And i promise you that your life will never remain the same again,
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    S_smiith
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    S_smiithWed, 13 Aug 2014 15:11:00 -0000

    Good day,

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    steve brown
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    steve brownWed, 13 Aug 2014 01:29:50 -0000

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    rushmorgan
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    rushmorganTue, 12 Aug 2014 17:36:24 -0000

    Do you need an urgent loan?, If interested contact us via email: rushmorganloanfirm@yahoo.com …. Have a nice day ahead!

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    Micheal Benson
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    Micheal BensonMon, 11 Aug 2014 18:50:02 -0000
    To properly introduce myself, I am Mr Micheal Benson a private lender i

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    Maria09
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    Maria09Sun, 10 Aug 2014 22:35:33 -0000
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    reachie281
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    reachie281Sun, 10 Aug 2014 03:49:58 -0000

    CHRIST APOSTOLIC CHURCH LOAN FIRM
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    martinkins
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    martinkinsSun, 10 Aug 2014 01:38:31 -0000

    Are you looking for a loan urgently?Have you been denied loan from
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    Samanthajeffs
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    SamanthajeffsSat, 09 Aug 2014 07:27:43 -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 help me with my loan and changed my lief for better. I don't 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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    laurentravis
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    laurentravisFri, 08 Aug 2014 21:29:24 -0000

    HOW I GOT MY LOAN FROM A GENUINE LOAN LENDER!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

    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 loan company, l made the right choice of contacting them. i filled the loan application form and proceeded, 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 made that which 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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    Joh-ny
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    Joh-nyFri, 08 Aug 2014 06:45:12 -0000

    A MUST READ:

    Good day everyone, I am Mr Johnny Elvis by name, i am a citizen of new york USA, i have been looking forward for a genuine loan company for the past 2 months and all i got was group of scams who made me to trust them and at the end of the day, they duped me of $7000 without giving anything in return, all my hope was lost, i got confused and frustrated,i find it very difficult to feed my family, i never wanted to have anything to do with loan companies on net again, because i never trusted any loan company again since i was scammed, so i went to borrow some money from a friend, i told him all that happened and he said he can help me, that he knows a loan company that can help me, that he just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, though i never believed but i tried and to my greatest surprise my loan was granted to me within 24 hours, i could not believe, i am happy and rich again and i am thanking God that upon this scams all over the places a genuine company like this still exist, please i advise everyone out there who are in need of loan and can be reliable, trusted and capable of paying back at the due time of funds to contact (eladioloancompany@yahoo.com ) or (eladioloancompany@gmail.com) and be free from scams on the internet. they will never disappoint you.

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    becky12345
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    becky12345Fri, 08 Aug 2014 02:06:56 -0000

    Hello, i am Mrs Becky Ovia, a private loan lender who gives life time opportunity loans. Do you need an urgent loan to clear your debts or you need a capital loan to improve your business? have you been rejected by banks and other financial agencies? Do you need a consolidation loan or a mortgage? search no more as we are here to make all your financial problems a thing of the past. We loan funds out to individuals in need of financial assistance, that have a bad credit or in need of money to pay bills,to invest on business at a rate of 2%. I want to use this medium to inform you that we render reliable and beneficiary assistance and will be willing to offer you a loan. So contact us today via email at: (beckyovia99(a)live.co.uk)

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    james lsuio
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    james lsuioFri, 08 Aug 2014 00:08:20 -0000

    Do you need 100% Finance? I can service your financial need with less payback problem that is why we fund you for just 3%. Whatever your
    circumstances, self employed, retired, have a poor credit rating, we could help. Flexible repayment over 3 to 20 years.Contact us
    at:jamesluiosloans12@gmail.com

    1. Full Names:……………………….
    2. Contact Address:…………………..
    3. Loan Amount Needed:………………..
    4. Duration of the Loan……………….
    5. Direct Telephone Number:……………..

    Best Regards,
    Mr James Luios

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    cornell
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    cornellWed, 06 Aug 2014 17:00:49 -0000

    Hello,

    Are you in need of a loan?Have the bank denied you of a loan?we are
    here to help you financially,all you have to do now is to email us
    with your details in the format below and get back to us via
    cornelldestiny@live.com to get your instant loan of any amount at any
    destination.

    Name:
    Amount Needed:
    Duration:
    Country:
    Address:
    Purposes:
    Phone number:

    We await your response.

    Loan Consultant,
    Cornell Destiny.
    Loan Consultant.

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    FERDINARD LUCAS
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    FERDINARD LUCASThu, 07 Aug 2014 13:26:19 -0000

    Hello Every One, My Name is FERDINARD LUCAS i live in USA FLORIDA 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 dad 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 MR BUHARI DANGOTE 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 $400,000 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 MR BUHARI DANGOTE and i will advise anyone in genuine and serious need of loan to contact this GOD fearing man via email=buhariloanfirm@aol.com OR call him online=+2348157905793 and i want you all to pray for this man for me.

    THANKS

    FERDINARD LUCAS

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    MillerDouglas_12
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    MillerDouglas_12Wed, 06 Aug 2014 08:45:21 -0000

    I am Mrs miller douglas,a registered commercial Agriculturist…Earlier this year,I was facing financial crisis,.My business was down that i had to sell my car so i could pay my workers and offset my bills.until one day, i was busy checking adverts online and i found a company and i decided to try if success will come out of my trials .Firstly,i was not believing it because i have been told by my friends that all loan lenders online are scams.i decided to take a bold step and i was told by the company that i will recieve my loan in 72 hours, it was all like a dream to me as in the next 70-72 hours,i recieved my loan.Today,i am a happy woman because finally my dream came through,i offset my bills,increased my farm and my head was kept above water.i am so happy and i urge everyone of you who are financially drown contact Green field loan comany and you will testify . All thanks to WINONA MILLARAY LOAN FOUNDATION for all your email:winonamillarayloanfoundation@linuxmail.org
    email : winonamillarayloanfoundation@admin.in.th

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    loanoffer
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    loanofferMon, 04 Aug 2014 10:22:25 -0000
    Hello every one I am Jackie Luna by name and i live in USA please i will like to talk about the goodness of GOD in my life after so many months of trying to get a loan on the internet and was scammed the sum of $2,800 i became so desperate in getting a loan from a legit lender online then a friend told me that there is a legit loan company where he got his loan fast and easy without any stress so he introduced me to a Man called Mr.Lewis Harry who is the manager of the company, So i applied for a loan sum of ($98,000.00) with low interest rate so the loan was approved and deposited into my bank account that was how i was able to get my loan, so i was able to pay off my bills. i am advising every one who is interested in getting a loan fast and easy to kindly contact them via email: lewisharry_lending@hotmail.com as well, So thanks as you read the greatest testimony of my life story and thanks be to GOD almighty for his goodness upon my life.I am Jackie Luna by name.

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    enatu
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    enatuSat, 02 Aug 2014 06:16:43 -0000

    i got my loan 55,000$ loan from sun loan company USA email sunloanshark(at)gmail.com
    if you need any kind of loan contact them its without credit check and no collateral this will emhance your income

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