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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.

519 Comments
    lapoloan
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    lapoloanFri, 10 Oct 2014 21:30:58 -0000

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    faithboo
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    faithbooTue, 07 Oct 2014 06:00:44 -0000

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    waitertony
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    waitertonyTue, 07 Oct 2014 05:09:34 -0000

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    kelly222
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    kelly222Mon, 06 Oct 2014 07:20:27 -0000

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    am1211
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    am1211Sun, 05 Oct 2014 12:36:37 -0000

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    portter mark
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    SandraLemiter
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    SandraLemiterSun, 05 Oct 2014 03:59:49 -0000

    Hello every one, My Name is Mrs Sandra Lemiter
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    daidcole
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    daidcoleTue, 30 Sep 2014 07:48:05 -0000

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    paulinus
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    paulinusSat, 27 Sep 2014 01:02:06 -0000

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    kshamasunil
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    kshamasunilThu, 25 Sep 2014 11:51:49 -0000

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    Marispeter
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    MarispeterTue, 23 Sep 2014 00:18:17 -0000

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    easyfinancialcompany
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    easyfinancialcompanyMon, 22 Sep 2014 14:22:32 -0000

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    markree
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    markreeFri, 19 Sep 2014 02:24:33 -0000
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    kline
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    klineThu, 18 Sep 2014 00:34:32 -0000

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    Joygren
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    JoygrenWed, 17 Sep 2014 06:35:56 -0000

    my name is Mrs Joy 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 $3,700 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 Razaq Azeez who is the CEO of Razaq Azeez Loan Firm So i applied for a loan sum of ($70,000.00) with low interest rate 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 advice any one i need of a loan to quickly contact him via: (razaqazeezloanfirm@outlook.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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    mikeloanfirm23
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    mikeloanfirm23Mon, 08 Sep 2014 16:44:45 -0000

    Do you need a loan to start your business ? Do you need a loan to pay
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    mikeloanfirm23
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    mikeloanfirm23Mon, 08 Sep 2014 16:32:28 -0000

    Do you need a loan to start your business ? Do you need a loan to pay
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    samanthajeff11
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    samanthajeff11Mon, 08 Sep 2014 05:27:49 -0000

    Hello everyone,
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    mario_e
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    mario_eSun, 07 Sep 2014 02:39:10 -0000

    TESTIMONY ON HOW I GOT MY LOAN FROM
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    ======
    ======
    ======
    I can't hide this great testimony that take
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    ======
    ======
    ======

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    Lee Chang
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    Lee ChangFri, 05 Sep 2014 23:25:04 -0000

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    mikesmith
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    mikesmithThu, 04 Sep 2014 09:55:04 -0000

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    SamanthaJeff0
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    SamanthaJeff0Wed, 03 Sep 2014 07:17:20 -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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    maryjosphen
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    maryjosphenMon, 01 Sep 2014 14:21:26 -0000

    Good day to everyone todayI can't hide this great testimony that take place in my life I will love everyone to know it and be Parkin that is why I always place it on answer, I am Mrs Mary Josphen by name, I live in Mexico, United State Of America, I want to thank Mrs (Mr Lee Chang) for his kindness upon my family life. I never knew that there is still nice lender like this on internet and earth here. Just some Months Back, I was in search for a today, I was given a loan amount of $95,000.00USD, by this great Company ( Mr Lee Chang ) managed by (Mr Lee Chang) If you are in need of a genuine or legit loan or financial assistance and you can be reliable and trusted of capable of paying back at the due time of the funds I will advice you to, contact him via: leechangloancompany.ch@gmail.com And you will be free from scams in the Internet. My lovely Husband extend his greeting to the world also if not for Mr( Lee ) I can't imagine the way life should be for my family today.Please I am begging you to help me thank Mrs (Mr Lee Chang) you and I will always being sharing this great thing that happen in my life in answer everyday. You are the one who remove me and my family out of poverty, my family extends their greeting to you. please for any information's you can contact me on my email below:( leechangloanocompany.ch@gmail.com).com God bless you. Mr Lee Chang.

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    LEONARD121
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    LEONARD121Mon, 01 Sep 2014 08:27:45 -0000

    APPLY FOR AFFORDABLE LOAN AT 3% INTEREST RATE!!!

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    Are you looking for a loan to pay up your bill, or you are looking for a loan to stat up a business you are required to fill the information bellow.

    APPLICATION FORM
    Name:_ _ _ _ _ _ _ _
    Address:_ _ _ _ _ _ _ _
    Country:_ _ _ _ _ _ _ _
    Occupation:_ _ _ _ _ _ _ _
    Loan Request_ _ _ _ _ _ _ _
    Purpose of loan_ _ _ _ _ _ _ _
    Loan Duration_ _ _ _ _ _ _ _
    Monthly Income:_ _ _ _ _ _ _ _
    TELEPHONE:_ _ _ _ _ _ _ _
    LOAN DURATION_ _ _ _ _ _ _ _

    With this information your loan amount can be in process. you are to back to us as soon as possible.

    EMAIL US AT microfinanceinvesmentservice@outlook.com
    _________________________________________

    Best Regard
    Leonard Paul
    CEO/MD.

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    jane203
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    jane203Sat, 30 Aug 2014 11:51:57 -0000

    I NEVER THINK I WILL SUCCEED IN GETTING A LOAN FROM THE INTERNET
    Good day, My Friends be very careful, I am Mrs Jane wembli,an American who base in the czech republic,i am so confidence to say that one's in my life time i can experience legitimacy in loan company on the Internet world, if i was directed by somebody else to this company, i wouldn't have written them because i have been fooled several times by online loan firm on the Internet and i decided stay off applying for loan online until a time came when i was having financial problem due to the predicament i had in my place of work that leads to my sack off in my place of work and i have nobody to run to, my credit was very low,my rent was approaching it expiring dates and my kids have to been in school but due to my ex-sense spending before i got sack off from place of work i have nothing solve all this problem. I have no other option than to come online looking for online loan firm that will help me out of my financial problem and i came across a loan firm and i was scammed of $5000USD in my attempt of obtaining a loan from them and i almost committed suicide and i ask my self is this the end of my life because i am a dieing mother of three kids to take care of,where will i get money to finance their education and pay my bills? all this are the questions that kept running inside my mind and became frustrated in the process of doing that and a words of encouragement came into me instantly saying it is not over yet, keep trying and you will definitely got in touch with your helper very soon and i stood up and said i will give this a last try and if nothing happens that means there is no hope for me any longer. And i went online that very moment and i came across a post by one (Mrs Christiana Douglass) saying that she has never seen a real loan firm like ocean finance Loan Company and instantly i consulted the loan firm by the email which she place on the post and in that same day i got response from the manager(Rev Victor) and he forward to me all the Rules and Regulations that is guiding the company which will enable me to obtain the loan from them and i ask him how long will it take me to finish the process of my loan because i am planning of getting into business after i lost my job and he said it will take us three to four days if i am fast in replying their message. I ask him,hope i am not going to send any money to them because i was told here in my country that i shouldn't send any money in getting a loan and he replied by saying that it surprise him when i said that because their is no loan firm online who will render service to a loan seeker without him/her paying anything upfront. It sound very hurt to his hearing and he took it as a pain and explained everything to me and when i have a rethink about it i discovered it was true and that was were those false loan firm took advantage in defrauding people of their had earn money and he gave me his words that i should go on with them and he will took me by surprise that they are truly for real and i went on and apply for a business loan of $200,000.00 USD for the duration of 10years and i paid all the charges that are needed to be paid and like he said he is going to surprise me, that was what he did, it was then i knew that there are still real loan company on the internet otherwise i wouldn't have known.here is the consultation address:consumerloanfirm@gmail.com…,if you want to. consult them for more information
    Thanks
    MR Rev Victor

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    nicolemorgan123
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    nicolemorgan123Sat, 30 Aug 2014 04:40:56 -0000

    Hello everyone…

    I am Nicole Morgan by name, currently living in California, USA. I am a widow at the moment with two kids and i was stuck in a financial situation in August 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 $87,000USD 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 Jad Harb. 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: jadloandevelopers@hotmail.com

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    bush_GREEN
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    bush_GREENFri, 29 Aug 2014 16:54:11 -0000

    Hello,

    THIS EMAIL IS FROM BARRY BUSH LOAN FIRM

    How are you doing? this post was to inform you of our loan offer, we are a guaranteed, trusted and government approved loan firm, we offer fast and easy loan to applicant in need of loan, we offer any kind of loan, student loan, home loan, business loan, investment loan, company loan and individual loan, e.t.c. its very easy to apply and its stress free, we offer loan ranging from $1,000.00 to $1,000,000.00 with a very loan percent interest rate, with a quick internet transaction and bank wiring transfer. apply today and get your loan, you will be glad you did.

    CONTACT US VIA EMAIL: barrybushloanfirm@gmail.com

    Note: this offer is for serious minded applicant only.

    THANKS

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    SamanthaJeff04
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    SamanthaJeff04Thu, 28 Aug 2014 14:10:02 -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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    mikejohn
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    mikejohnThu, 28 Aug 2014 12:24:13 -0000

    The you need an urgent loan to pay your bills or to setup a business contact us for help on Email:mikejohnloancompany090@gmail.com. Full name ____________________ country____________ Age_______________________ sex___________________ phone number_______________ Amount loan__________________ monthly income ____________ loan purpose________________ occupation_________________ Contact us for help .Email:mikejohnloancompany090@gmail.com

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    loangree
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    loangreeThu, 28 Aug 2014 05:12:42 -0000

    DO YOU NEED AN URGENT GUARANTEE AND TRUSTED LOAN? OR FINANCIAL NEED WE
    OFFER LOAN AT THE INTEREST RATE AT 3%? CONTACT US IF YOU ARE INTERESTED
    WITH THE BELOW INFORMATION WITH

    YOUR NAME,
    AMOUNT NEEDED,
    DURATION,
    PHONE NUMBER,
    AGE,
    COUNTRY,
    STATE,
    REPLY TO THIS EMAIL: eaxtherjohnloanfirms@yahoo.com
    REGARDS
    EASTHER JOHN

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