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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.

752 Comments
    jasson_wildu
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    jasson_wilduWed, 10 Feb 2016 09:10:11 -0000

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    wilonawalker1
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    Dave_cartyWed, 20 Jan 2016 04:43:00 -0000

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    MrsTonyMichelle
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    MrsTonyMichelleSun, 17 Jan 2016 10:21:26 -0000

    My Friends be very careful of Africa scammer, How i got my loan from Mr David Koch from United Sate, I am Mrs Tony Michelle an American who base in United Kingdom, i am so confidence to say that one's in my life time i can experience legitimacy in person on the Internet world wide, if i was directed by somebody else to this person, i wouldn't have written them because i have been fooled several times by online loan firm from Africa 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 get Xmas gift from 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 testimony and i was scammed of $3,500 in my attempt of obtaining a loan from one company located in Africa and i almost committed suicide and i ask my self is the end of my life because i am a dieing mother of 4 kids to take care of, where will i get money to Xmas gift and the oncoming school resumption and also pay my bills? all this are the questions that kept running inside my mind and became frustrated in mind,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 their is know hope for me any longer. And i went online that very moment and i came across a post by one (Mrs Vicker Janet) saying that he has never seen a real person like Mr David Koch and instantly i consulted the company by the email which he place on the post and in that same day i got response from company manager ( Mr Tommy Hook ) 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 this loan on urgent because of money needed for Xmas gift and i lost my job and he said it will take us one or two weeks if i am fast in replying their message. I asked him, I hope i am not going to send any money because i was told here in my country that i shouldn't send any money to get a loan and he replied back saying that it surprise him when i said that because their is no transaction can be down without charges 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 is words that i should go on with them and he will took me by surprise that they are truly for real and Mr David Koch the C.E.O hate lies and scam activities,i went on and apply for a hug amount including a business loan total amount of 53,000 Proud s,for the duration of 6 years 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 i got from this company, it was then i knew that there are still real company here in united State on the internet otherwise i wouldn't have known here is the consultation address: davidkochlendingfirm.usa@gmail.com if you want to consult them for more information

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    andyfish101
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    andyfish101Sun, 17 Jan 2016 03:00:58 -0000

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    andyfish101
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    andyfish101Sun, 17 Jan 2016 02:49:46 -0000

    We offer a variety of loans to individuals (personal loan) and
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    herlinda
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    herlindaFri, 15 Jan 2016 00:38:40 -0000

    Attention Everyone: I am Herlinda Gibson, i live in Texas USA, I am using this medium to inform the general public about how my life got transformed I was in search of a business loan of $35,000.00 as I was running out of money for my business and money to pay bills because recently i got scammed out of $4,560 and i said to myself that i will never apply for a loan on the internet again, little did i know that a lender like Mr Oscar James Beck could still be found on the internet. Until a Friend of mine introduced me to Ocean Loan Company. At first I told her I was not interested in any loan deal anymore then she assured me that the company is a genuine one, though i never believed her, I made a trial and I am glad i did, I was given a loan of $35,000.00, by this Company. My advice to anyone who requires a genuine, legit loan or any financial assistance and can be reliable, trusted and capable of paying back at the due time of the funds to contact him via ( oceanfinancials.uk.net@gmail.com ) Or you can vista there website http://oceanfinancialsloanfirm.webs.com/

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    MrsWalterCyprian
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    MrsWalterCyprianFri, 15 Jan 2016 00:05:46 -0000

    My Name is Mrs Walter Cyprian, I live in USA 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 mum with three kids and i have been going through a serious problem as my husband encountered 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 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 me, then when i was browsing through yahoo answers and i came across a business man Mr David Koch who provides loans at an affordable interest rate and i have been hearing about so many scams on the internet mostly Africa,but at this my desperate situation, i had no choice than to give it an attempt due to the fact that the company is from United State of America, and surprisingly it was all like a dream, i received a loan of $61,000 USD and i payed for my husband surgery and thank GOD today he is OK and can walk and is working and the burden is 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 business man Mr David Koch and i will advise anyone in genuine and serious need of loan to contact this GOD fearing man via davidkochlendingfirm.usa@gmail.com from usa, and i want you all to pray for this man for me.

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    Mrs Walter Cyprian

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    ThomasMathew
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    ThomasMathewThu, 14 Jan 2016 15:26:24 -0000

    Good day.
    I am Mrs,Thomas Mathew by name, I live in California, United State Of America, I want to thank (Mr.David Kochn) 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 loan of $45,000,00USD as I was running out of money for feeding and rent. I was scammed $3,900 Dollars and I decided not to involve my self in such business again but a Friend of my introduced me to a loan firm due to my appearance and doings.And I told him that I am not interested of any loan deal anymore but he told me that there is still a nice lender who he will recommend me to, and I made a trial and I am most grateful lucky am I today, I was given a loan amount of $45,000.00usd, by this great Company (David Koch Loan Company) managed by (Mr Tommy Hook) 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: ( davidkochlendingfirm.usa@gmail.com ) And you will be free from scams in the internet.All thanks to Mr.David Koch, You are the one who remove me and my family out of poverty. The reason why i am doing this is that, i promise Mr.David Koch that if i truly got my loan, i will advertize his company and bring customers to his company. Contact him via ( davidkochlendingfirm.usa@gmail.com )for the Loan you have been looking for..

    Mrs.Thomas Mathew

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    felecia106
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    felecia106Mon, 11 Jan 2016 23:10:10 -0000

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    COWLEYHUDSON
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    COWLEYHUDSONFri, 08 Jan 2016 09:11:11 -0000
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    COWLEYHUDSONFri, 08 Jan 2016 09:10:28 -0000

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    BEST REGARDS

    COWLEY HUDSON

    LOAN CONSULTANT

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    Sevdil
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    Sevdil Thu, 07 Jan 2016 21:16:44 -0000

    Are you in need of urgent loans. Do you want to pay off your debt,
    Expansion of business or personal loan, you can contact us for your fast and
    Reliable loan at a low interest rate of 2.0%, and Affordable repayment plan,
    with good credit conditions.
    Please, contact us for more information: dedeoglu.kocar@consultant.com
    Kindly write us back with the loan information;
    - Complete Name:
    - Loan amount needed:
    - Loan Duration:
    - Purpose of loan:
    - City / Country:
    - Telephone:
    - Name of the Site:
    Please, contact us for more information:
    dedeoglu.kocar@consultant.com
    Yours Sincerely,
    Mrs. Sevdil Yildirim
    dedeoglu.kocar@consultant.com

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    Khan62378
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    Khan62378Fri, 01 Jan 2016 21:58:05 -0000

    Hello everyone

    I am Mr. Khan, a well know good investor, i will grant you all kinds of loans you need because our services are reliable.

    I give out loans at 3% interest rate and from a duration of 6 months to 25 years.

    My work is trusted and guarantee, reliable and quick, fast and understanding. So i urge you now to apply because application is open to those above 18+.

    Contact us through our email today at rockstarfirm2@yahoo.com
    I await your swift application so that we can help you out with what you want.

    Pelle Khan

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    jessiemorgan
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    jessiemorganWed, 30 Dec 2015 13:16:12 -0000

    Hello Every One, I am mrs Jessie 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 $3,500 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 Smith Morgan who is the C.E.O of Morgansmith Loan Company So i applied for a loan sum of (150,000.00USD) 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 that needs a loan to quickly contact him via: (morgansmithloanlenders@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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    jessiemorgan
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    jessiemorganMon, 28 Dec 2015 08:54:29 -0000

    Hello Every One, I am mrs Jessie 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 $3,500 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 Smith Morgan who is the C.E.O of Morgansmith Loan Company So i applied for a loan sum of (150,000.00USD) 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 that needs a loan to quickly contact him via: ( morgansmithloanlenders@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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    craigbbbb
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    craigbbbbSat, 26 Dec 2015 12:51:14 -0000

    How i got my xmas loan
    Good day to everyone.
    My name is Craig Bernard
    I want to share this moment of joy with everyone seeking for loan.
    I just received a loan of €80,000 with the GEORGE EDWARD'S LOAN HOME company.
    I had a total satisfaction from the company.
    Currently, I am the happiest man in the world.
    And this thanks goes to one man REV, GEORGE EDWARD.
    It is God who has placed the GEORGE EDWARD'S LOAN HOME company in my path.
    And I want to share this testimony with everyone seeking for loan.
    The company name is: GEORGEWARD LOAN HOME
    This is a man who is always respected its commitments.
    REV, GEORGE EDWARD is a man of his word.
    He is a unique and legit loan lender.
    If you are in need to borrow money or seeking for loan?,
    I ask you to contact REV, GEORGE EDWARD of GEORGEWARD LOAN HOME company.
    He is a very effective and reliable man.
    I only just made a once payment before getting my credit.
    For more information about this man,
    contact the lender directly via email: georgewardloanhome@outlook.com
    THANK YOU

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    william jame
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    william jameTue, 22 Dec 2015 03:42:17 -0000

    Get an Affordable 2% loan from transfer today it is easy and fast no must paper work cash can be deposited into your account in less than 24 hours for more information Email quickcatchloan@gmail.com

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    wilonawalker
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    wilonawalkerSun, 20 Dec 2015 02:10:01 -0000

    How i got my Desired Loan Amount from a Reliable Loan Company ( ceinloanfinance@yahoo.com)

    Hello everybody, I am Wilona Walker currently living in Texas U.S.A. I am a widow at the moment with three kids and i was stuck in a financial situation by September 2015 and i needed to refinance and pay my bills and start up a Business. I tried seeking for 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 by a friend named Morgan Steev and i got a loan sum of $600,000.00 and today am a business owner and my kids are doing well at the moment. So my friend, 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 Herman Cein ( ceinloanfinane@yahoo.com) 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 him through his email via: [ ceinloanfinance@yahoo.com] Tel: +13168545818

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