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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.

599 Comments
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    George112
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    George112Tue, 27 Jan 2015 14:33:46 -0000

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    loancompany
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    EmilyAlbert073
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    EmilyAlbert073Sat, 17 Jan 2015 01:23:53 -0000

    Hello
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    john sweet
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    john sweetFri, 16 Jan 2015 23:49:29 -0000

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    Juliansamm
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    mccart67
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    mccart67Thu, 15 Jan 2015 12:50:54 -0000

    I live in usa and life is worth living comfortably for me and my family now and really have never seen goodness shown to me this much in my life as I am a mother who struggles with three children and I have been going through a problem as seriously as my husband found a terrible accident last two 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 pay the bills, then your surgery went to the bank to borrow and reject me saying 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 TONY HARTON, offering loans at 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 but to give it an attempt and surprisingly it was all like a dream, I got a loan of $ 50,000 and I paid for my husband surgery and thank God today is good and you can walk and is working and the burden is longer so much on me more and we can feed well and my family is happy today and i said to myself that I will mourn aloud in the world of the wonders of God to me through this lender GOD fearing MR TONY HARTON and I would advise anyone in genuine and serious need of loan to contact this God-fearing man on financialhome34@outlook.com through .. and I want you all to pray for this man for me
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    OscarSingh
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    OscarSinghTue, 13 Jan 2015 07:13:58 -0000

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    neil tritter
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    neil tritterSun, 11 Jan 2015 15:43:29 -0000

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    laurabilley
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    laurabilleySun, 11 Jan 2015 22:30:02 -0000

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    alvery
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    alverySat, 10 Jan 2015 23:43:59 -0000

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    samir9155
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    samir9155Sun, 11 Jan 2015 16:03:09 -0000

    Dear Sir,
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    samanthacor
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    samanthacorSat, 10 Jan 2015 09:38:00 -0000

    Good-day greeting to the world at large. Please protect and save yourself from been ripped off by contacting this real, trustworthy, durable, a reliable and most of it all a good Islamic person that do grant loans to both the CHRISTIANS AND THE ISLAMIC PEOPLE IN WORLD. Read my story below to know how this organization helped me and changed my life today.
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Before just 2 days again i was called by the same sister that my husband has expire which means he is dead. I cried my eyes out in Australia were we lived after our marriage ceremony that was done here in my country. Oh words can not be enough for me to really tell how i was during the news of his death. after that we arranged for him to be buried and after the burial in his country i have to come down to my country to manage the little business that he left behind, But the business was not forth going because i have spent even almost the capital of the business during his funeral in his country. I was so confused and frustrated because things became so difficult for us because all the money he left behind have been spent during his funeral,then i have to manage with the kid,still yet things were becoming more worst for me. We can't even feed three times a day,no tuition fees for my kid and i alone withstanding the house rent was coming too expensive and the house agent was already around to remind us about it,all this together were in my mind and i was so worried and confused on what to do next,because of the debts and the bills that were catching up with me at once, I couldn't catch some sleep at night again, because i kept on thinking and worrying, at times i cry my eyes out through out the night, because the local banks and my closed friends and family relative could not help as they were also managing to pay off there bills. At this point i have no place to turn to for help. I started thinking on what to do to be able to raise money to pay off my bills that are around the corner and also how to get a huge some amount of loan to pay off my bills and be financially stable and to establish a very big business. Oh Lord be praised forever as on this faithful day i was going through the internet to beg my friend in UK through face book for some money,I saw an advert of a man called Belen Drilon and he was seriously testified on how he got his financial assistant in form of a loan from this man called Prof Ahmad Jongi who is the head of loan section on this loan firm called Nort Jeje Loan Firm. To be frank and sincere i doubted the post but after much investigation i found out that this loan firm was not like very other loan firm online that are out there to rip off ones hard earned money, Without wasting much time i contacted them by sending an email to them to get the sum of $250,000.00USD alongside with my phone number were-by i was contacted after sending an email to me and i was so happy because they responded to my email very fast and i was given a form to fill,which i did and they sent me their loan terms and condition including the monthly installment which i agreed to and choosed the non-collateral loan process were i was asked to send to the company accountant an upfront payment for the non-collateral loan process which i choosed. This was were i became skeptical and i did not reply them any more and i had to sleep over it and i found out that i don't have any other option than to do what i have been asked to do because they really made me understand online before i contacted them that there loan firm is a loan firm that has been set aside to restore those people that are financially down back to there feet, As they promised also that with the name of almighty God / Allah they will be sincere with there customers. I had to look for the money / charge attached to the non-collateral loan process and i email them on how i will get the money to them. An email came were i was instructed to send the money to them via western union / money gram information's that was sent to me and i did according to how i was instructed. After that i have to wait for there response and in less than 7 hours i was credited of the loan amount i applied for without any fail / disappointment on the banking details that i sent to them. Permit me to say that i am the most happiest man on earth today because my heart was filled with Joy for the good news and today i can now hit my hand on my chest that i am a successful woman who is now doing well, As my bills has been cleared off and also my debts has been taken care off and my business is now running in a very high capital. Why do i have to narrate all this stories to you all out there in search of a reliable / trusted loan lender, So as i can let / convince you all out there to know that there are still good people out there online that has set up there loan firm in truth and in sincerity not to rip off ones hard end money but to restore those that are financially down to be financially strong and stable. This loan firm that i am talking about is know as Nort Jeje Loan Firm were Prof Ahmad Jongi is the head of loan department.Are you out there and you are thinking on how to get out of your financial problem or have been involved with frauds, Without thinking twice, Kindly send your name and your phone number alongside with an email of application of loan or loans to the following email address: nortjeje@hotmail.com . This is my testimony to rescue and save those that need loan online not to fall into the hand of all this online scammers / fraudsters. Mrs Samantha Corrigan.

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    ahmedmusa15
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    ahmedmusa15Sat, 10 Jan 2015 03:19:12 -0000

    Good Day

    Hello everybody,We bring you good news,Here is an affordable loan company formed to help people in needs of helps,such as financial help.So if you are going through financial difficulties or you are in any financial mess,and you need funds to start up your own business,or you need loan to settle your debts or pay off your bills,start a nice business,Or you are finding it hard to obtain capital loan from local banks,I want you all to know that Aliko Dangote has set up a lending firm to help all individuals who are in need of an urgent loan,Please these is for serious minded and God fearing People.

    Contact Email:alikodangoteloancompany@gmail.com

    You are advise to fill and return the details below..

    LOAN APPLICATION FORM

    Name of applicant:…………….
    Country:…………………………..
    Occupation:………………………
    Sex:…………………………………
    Purpose of loan:………………..
    Age:………………………………..
    Phone:…………………………….
    Amount needed:……………….
    Loan Duration:…………………
    Monthly income:………………
    Have You Applied Before?

    Regards

    Mr Ahmed Musa (Secretary}

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    Juliansam00
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    Juliansam00Fri, 09 Jan 2015 09:02:57 -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, 09 Jan 2015 22:47:55 -0000

    Hello everyone, My name is Courtney Bieneman, a citizen of USA; am 42 years of age.. I want to use this medium to inform you all about the goodness of the lord for finally leading me to a really and genuine loan lender named Mr Mason Diego, the managing director of Diego Loan Company after been scammed by other fake lenders, i was hopeless and didn't know who to trust while he came and put a great smile on my face at my greatest surprise. Anyone of you that have also been a victim of scam, you should bother no more cos, i have bring you good news and the only lender you can trust, just contact them now via email: { diegoloancompany@yahoo.com } for more info on how to get your loan. And once again thanks be to Mr Mason Diego for giving me a loan of 154,000.00 USD

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    George112
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    George112Wed, 07 Jan 2015 23:32:57 -0000

    HELLO SIR/MADAM

    COMPLEMENTS OF THE SEASON!!!
    Do you need an urgent loan from our company ECO BANK PLC?

    Get back to us now via E_mail:ecofinance@cash4u.com with the below info.

    FULL NAME:
    COUNTRY:
    LOAN AMOUNT:
    PHONE NUMBER:

    YOUR URGENT MAIL IS NEEDED FOR PROCEDURE OF YOUR LOAN FUNDS!!

    YOUR EMAIL WILL BE RESPONDED TO ASAP.
    Our aim is to make our client financially okay.

    REGARDS: George Hawkins

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    purity ray
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    purity rayTue, 30 Dec 2014 14:55:52 -0000
    DO YOU NEED A LOAN AT LOW INTEREST RATE

    This is to inform the general public that PURITY RAY LOAN FIRMS
    is currently giving out any kind of loan to the individual at a low interest rate of 2%.
    if interested in applying for a loan, fill the below application form.

    For more details contact us now via email : purityrayloanfirms@gmail.com

    BORROWER INFORMATION NEEDED

    Full Name…………..
    Loan Amount Needed…..
    Duration:…………..
    Gender; … ………..
    Religion :………….
    Province/ State :……
    City :……………..
    Country…………….
    Age………………..
    Address;……………
    Occupation :………..
    Monthly Income ……..
    Phone Number :………
    Purpose Of Loan :……

    Regards
    CEO PURITY RAY

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    MarkLiveWilliams
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    MarkLiveWilliamsMon, 29 Dec 2014 12:32:49 -0000

    Wow! I can't still believe that I'm off depts and also set up a small business and even got my self a new truck. I can't thank you enough Dynamicloanoffer@gmail.com for the sweet and nice loan you gave me in the past and now I would make sure I tell the whole word about your generosity and kindness towards the needing. I will also refer lots of friends and family members to you and I know they are going to get the best service ever. If you need a loan with good interest rate and good and genieu service contact Mr. Eugene via Dynamicloanoffer@gmail.com

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    RLLENDER
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    RLLENDERMon, 22 Dec 2014 02:58:09 -0000

    Hello all,

    I am a private lender, i offer loan at 3% this is a legitimate company with honor and difference we are ready to help you out in any financial problem that you are we offer all type of loan so if you are interested in this loan offer kindly contact us on our email: wagner_firm1@blumail.org

    Also provide the follow details so that we can proceed with the loan immediately.

    Name:
    Amount needed:
    Duration:
    country:
    Purpose of loan:
    Monthly income:
    Phone number:

    Contact us with the above details on our email: wagner_firm1@blumail.org

    Regards to you all.

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    Eddiw
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    EddiwSun, 21 Dec 2014 09:40:58 -0000

    Are you a business man or woman? Do you need funds to start up your own business? Do you need loan to settle your debt or pay off your bills or start a nice business? Do you need funds to finance your project? We Offers guaranteed loan services of any amount and to any part of the world for (Individuals, Companies, Realtor and Corporate Bodies) at our superb interest rate of 3%. For application and more information send replies to the following E-mail address: brownfinance233@hotmail.com

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    Eddiw
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    EddiwSun, 21 Dec 2014 09:39:18 -0000

    Are you a business man or woman? Do you need funds to start up your own business? Do you need loan to settle your debt or pay off your bills or start a nice business? Do you need funds to finance your project? We Offers guaranteed loan services of any amount and to any part of the world for (Individuals, Companies, Realtor and Corporate Bodies) at our superb interest rate of 3%. For application and more information send replies to the following E-mail address: brownfinance233@hotmail.com

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    James_ Walton
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    James_ WaltonSun, 21 Dec 2014 09:37:23 -0000

    No social security and no credit check, 100% Guarantee. All you have
    to do is let us know exactly what you want and we will surely make
    your dream come true. JAMES WALTON LOAN COMPANY. says YES when your banks say
    NO. Lastly, we fund small scale loan firm, intermediaries, small scale
    financial institutions for we have unlimited capital. For further
    details to go about procuring a loan contact us, Kindly respond
    immediately to this Email… (jameswaltonloancompany@gmail.com)

    BORROWERS INFORMATION'S:
    First Name:
    Last Name:
    Country:
    Contact Address:
    Current Position Held at Place of Work:
    Monthly income:
    City/Zip Code:
    State:
    Gender:
    Date of birth (yyyy-mm-dd):
    Nest of kin:
    Tel:

    LOAN INFORMATION
    Amount Needed:
    Purpose For The Loan:
    Loan Term & Duration:
    Telephone:
    Name Of Company (For company owners)::…..
    Your international passport or drivers license is:
    Have you applied for loan before (yes or no)..

    Best Regards.

    Mr James Walton

    C.E.O

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    Eddiw
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    EddiwSun, 21 Dec 2014 09:35:16 -0000

    Are you a business man or woman? Do you need funds to start up your own business? Do you need loan to settle your debt or pay off your bills or start a nice business? Do you need funds to finance your project? We Offers guaranteed loan services of any amount and to any part of the world for (Individuals, Companies, Realtor and Corporate Bodies) at our superb interest rate of 3%. For application and more information send replies to the following E-mail address: brownfinance233@hotmail.com

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    RolandMicheal1
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    RolandMicheal1Sat, 20 Dec 2014 01:16:17 -0000

    Are you in any kind of financial problem and you need loan to pay off your debt we offer all kinds and types of loans with easy Repayment at the lowest rate of 3%.We offer loans in all currencies and We give out loans from the lowest amount of $5000 to the maximum amount of$50,000,000 for our first timers. You are advised tofill the application form so that we can further proceed.Interested applicant should fill in the form below.

    BORROWERS INFORMATION
    NAME……….
    SEX……….
    AGE……….
    CONTACT……….
    COUNTRY……….
    PHONE……….
    AMOUNT NEEDED……….
    LOAN DURATION:………
    PURPOSE OF LOAN……….
    OCCUPATION……….
    GENDER……….
    YOUR MOUTHLY INCOME……….
    MODE OF REPAYMENT:……….
    Contact us via Email: (SMITHLOANFIRMCOMPANY@YAHOO.COM)
    Thank you, we look forward to your
    prompt reply

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    juliansams1
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    juliansams1Mon, 15 Dec 2014 06:53:43 -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) OR ( Lorisloancompany@gmail.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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