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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.

281 Comments
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    slimcee8978Wed, 02 Apr 2014 03:35:42 -0000

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    Perry Loans
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    Perry LoansFri, 28 Mar 2014 20:09:13 -0000

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    mongan
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    monganWed, 26 Mar 2014 00:05:39 -0000

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    johnson_williams
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    johnson_williamsMon, 24 Mar 2014 22:32:53 -0000

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    bbutty
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    bbuttyThu, 20 Mar 2014 20:26:40 -0000

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    bestoffer
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    bestofferTue, 18 Mar 2014 19:15:48 -0000

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    morristhomas1
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    morristhomas1Wed, 12 Mar 2014 18:15:54 -0000

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    slimcee8979
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    slimcee8979Wed, 12 Mar 2014 00:17:45 -0000

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    Mark Johnson
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    Mark JohnsonTue, 11 Mar 2014 04:40:27 -0000

    Hello,i am Mark Johnson, 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 email us today on : johnsonloancompany2@gmail.com

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    rafue
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    rafueSat, 01 Mar 2014 12:02:52 -0000

    Welcome to investment company India, we offer loan to clients who are in serious need of financial assistance you need to borrow money to invest , and pay bills . We have received your email about applying for your loan , we want you to know that we have all kinds of loans with interest below 3% , so we offer loans denominated in euro , pound. and dollars .. The loans are well insured for maximum security . Is our priority Contact us via email : investimentcompanyindia@gmail.com or call +919650553766 .

    Loan application forms 1 ) Full Name : 2 ) Country : 3 ) Address: 4 ) states: 5 ) Gender : 6 ) status : 7 ) Occupation :: 8 ) Telephone Number : 9 ), while at the workplace . 10 ) monthly income . 11) Loan Amount Needed: . 12) Loan Duration Waiting for your response with program details . Please do not hesitate to contact us Email : investimentcompanyindia@gmail.com or call +919650553766 , for more information.

    India Investment Company
    Sir Rafue Shatida

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    loan offer
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    loan offerFri, 28 Feb 2014 05:50:20 -0000

    Hello Everybody,

    My name is cbilly francovich, and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to her, he gave me happiness to me and my family, i was in need of a loan of $20,000 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing Woman loan lender that help me with a loan of $20,000, him is a GOD fearing Woman, if you are in need of loan and you will pay back the loan please contact him tell him that it cbilly francovich that refer you to him. Contact him on via email address: Ladymarianloanfunds@aol.com
    Thanks
    Regard,
    cbilly francovich

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    jgarcia
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    jgarciaThu, 27 Feb 2014 10:30:04 -0000

    Hello,
    I am Garcia from Spain I live in Madrid. I want to thank God for directing a Mrs. Flora a friend of mine who introduce me to a loan lender after many attempt they all scammed me. When my friend introduce me to chizzy Williams loan firm I taught it was until I receive my money in 48 hours. I want to say this man is a true lender. Don't fall victim to any loan lender who claimed to be genuine, chizzywilliamsloanfirm@gmail.com are the only loan company that can change your life. No matter how much you need they we give it to you.

    Thank you chizzywilliamsloanfirm@gmail.com you are the best I love ya

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    jgarcia
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    jgarciaThu, 27 Feb 2014 10:24:42 -0000

    Hello,
    I am Garcia from Spain I live in Madrid. I want to thank God for directing a Mrs. Flora a friend of mine who introduce me to a loan lender after many attempt they all scammed me. When my friend introduce me to chizzy Williams loan firm I taught it was until I receive my money in 48 hours. I want to say this man is a true lender. Don't fall victim to any loan lender who claimed to be genuine, chizzywilliamsloanfirm@gmail.com are the only loan company that can change your life. No matter how much you need they we give it to you.

    Thank you chizzywilliamsloanfirm@gmail.com you are the best I love ya

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    BLEMAIN FINANCE
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    BLEMAIN FINANCEThu, 27 Feb 2014 04:04:06 -0000

    Do you need personal loan to start your business or expand your business? Does your firm, company or industry need financial assistance? We give out loan to interested individuals who are seeking loan with good faith and God fearing. This Finance Agency lending to customers who are interested @ 3% rate. It's s programs are design to fit your budget, Are you seriously in need of an urgent loan contact us now at (blemain1@gmail.com) for more information.

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