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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.

570 Comments
    juliansams1
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    juliansams1Mon, 15 Dec 2014 06:53:43 -0000

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    harry soctt
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    carlos001
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    carlos001Mon, 08 Dec 2014 08:42:30 -0000

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    fred56
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    fred56Fri, 05 Dec 2014 22:18:29 -0000

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    urgentloan
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    Mrraj12345
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    ponyee
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    pastorken
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    pastorkenSat, 29 Nov 2014 04:59:37 -0000

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    malsawma
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    malsawmaSat, 06 Dec 2014 08:51:48 -0000

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    Greci
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    GreciFri, 28 Nov 2014 22:34:13 -0000
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    ukman
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    ukmanThu, 27 Nov 2014 09:43:25 -0000

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    globalloancompany
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    Juliansam01
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    Juliansam01Tue, 25 Nov 2014 08:09:41 -0000

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    Jorge Becker
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    Jorge BeckerSat, 22 Nov 2014 07:05:37 -0000

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    cbfinancialinvestment
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    cbfinancialinvestmentFri, 21 Nov 2014 05:59:08 -0000

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    zafikeloan
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    zafikeloanThu, 20 Nov 2014 20:08:14 -0000

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    zafikeloan
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    zafikeloanThu, 20 Nov 2014 19:57:10 -0000

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    Dorenezeller
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    DorenezellerWed, 19 Nov 2014 14:51:12 -0000

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    Dorenezeller
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    DorenezellerWed, 19 Nov 2014 14:50:35 -0000

    MY TESTIMONY FROM A LEGITIMATE MONEY LENDER
    Have you been looking for a loan?Do you need an urgent personal or business loan?contact Dennis Hopkins Finance Home he help me with a loan of $300.000 some days ago after been scammed of $2500 from a woman claiming to been a loan lender but i thank God today that i got my loan worth $300.000.Feel free to contact the company for a genuine financial service. Email: dennishopkins_financehome@live.com or dennishopkins69@yahoo.com or www.dennishopkinsfinance.de.vu Tel: USA +12404374240 .He is a trust worthy man.

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    Dorenezeller
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    DorenezellerWed, 19 Nov 2014 14:50:13 -0000

    MY TESTIMONY FROM A LEGITIMATE MONEY LENDER
    Have you been looking for a loan?Do you need an urgent personal or business loan?contact Dennis Hopkins Finance Home he help me with a loan of $300.000 some days ago after been scammed of $2500 from a woman claiming to been a loan lender but i thank God today that i got my loan worth $300.000.Feel free to contact the company for a genuine financial service. Email: dennishopkins_financehome@live.com or dennishopkins69@yahoo.com or www.dennishopkinsfinance.de.vu Tel: USA +12404374240 .He is a trust worthy man.

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    Dorenezeller
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    DorenezellerWed, 19 Nov 2014 14:37:17 -0000

    MY TESTIMONY FROM A LEGITIMATE MONEY LENDER
    Have you been looking for a loan?Do you need an urgent personal or business loan?contact Dennis Hopkins Finance Home he help me with a loan of $300.000 some days ago after been scammed of $2500 from a woman claiming to been a loan lender but i thank God today that i got my loan worth $300.000.Feel free to contact the company for a genuine financial service. Email: dennishopkins_financehome@live.com or dennishopkins69@yahoo.com or www.dennishopkinsfinance.de.vu Tel: USA +12404374240 .He is a trust worthy man.

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    juliansam1
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    juliansam1Wed, 19 Nov 2014 02:29:37 -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 $3,210 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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    magarete
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    magareteTue, 18 Nov 2014 06:24:04 -0000

    Good day everyone. I am Mrs magarete gram, a citizen of Georgia USA, I will love to share this great testimony that took place in my life for everyone to know it and be partaker of it that is why I always place it on answer, I want to thank (Mr.Jobert Beck) for his kindness upon my family. Just a few months Back, I was in search of a loan of $65,000.00 as I was running out of money for my business and i could not pay my bills anymore. I was scammed $8,500 and I decided not to get involve in such business again I never knew that a real lender like (Mr.Jobert Beck) still exist on internet and on earth here. until a Friend of mine introduced me to (jobertloancompany@yahoo.com) due to my appearance and doings. At first I told him I was not interested in any loan deal anymore then he assured me that (Mr.Jobert Beck) is a genuine lender, though i never believed him, I made a trial and I am glad i did, I was given a loan amount of $65,000.00, by this Company (Jobert Loan company) managed by (Mr.Jobert Beck) If you are in need of a genuine, legit loan or any financial assistance and you can be reliable, trusted and capable of paying back at the due time of the funds I will advice you to contact:(jobertloancompany@yahoo.com) and you be free from scams in the internet. All thanks to Mr.Jobert Beck for restoring life unto my business.

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    juliansams12
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    juliansams12Tue, 18 Nov 2014 02:21:05 -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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    ehijie
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    ehijieSun, 16 Nov 2014 04:22:30 -0000

    Good Day Sir/ Madam

    Do you have a low credit score and you are finding it hard to obtain capital loan from local banks/other financial institutes? Do you need a loan or funding for any reason such as :

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    We offer loan from $2,000.00 to $500,000,000.00 at affordable interest rate and with no credit check ,we offer Personal loans, debt consolidation loans, venture capital, business loans, education loans, home loans or "loans for any reason!".

    However, Our method, offers you the chance to state the amount of loan needed and also the duration you can afford , This gives you a real chance to get the funds you need! Any interested Applicants should get back to us via email: interbiucreditunion60@gmail.com for application info

    E-mail: interbiucreditunion60@gmail.com

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    cornell
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    cornellSat, 15 Nov 2014 07:49:14 -0000

    Good day,

    We offer private, commercial and personal loans with very low annual interest rates as low as 3% in one year to 50 years repayment period and to anywhere in the world. We offer loans of any amount.

    Our loans are well insured for maximum security is our priority. Are you losing sleep at nights worrying how to get a legit loan lender? Are you biting your nails to the quick? Instead of betting your nails, contact Cornell Destiny Loan Firm (Loan Services) now, the specialists who help stop loans bad credit history, to find a solution that victory is our mission.

    Those interested should contact me by email:
    Name of creditor: Cornell Destiny.
    Lender E-mail: cornelldestiny@live.com

    Best Regard,
    Mr. Cornell Destiny.

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    Mr Ramonddy
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    Mr RamonddyFri, 14 Nov 2014 22:43:23 -0000

    Good Day Sir/Madam:

    Do you need an urgent loan to finance your business or in any purpose? we are certified and legitimate and international licensed loan lender We offer loans to Business firms, companies and individuals at an affordable interest rate of 2% , It might be a short or long term loan or even if you have poor credit, We shall process your loan as soon as we receive your application.

    we are an independent financial institution. We have built up an excellent reputation over the years in providing various types of loans to thousands of our customers. We Offer guaranteed loan services of any amount to citizens and non-citizens we offer easy personal loans, commercial/business loan, car loan, leasing/equipment finance, debt consolidation loan, home loan, for all citizens and non-citizens with either a good or bad credit history. If you are interested in our above loan offer you are advice to filling the below information and return to us for more details,You can contact us with this email { ramondscottloanfirm@gmail.com } We shall respond to you as soon as we receive your loan application details.

    Our aims is to provide the best to our customers and give them a secure service OUR PACKAGES INCLUDE:

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    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. ( RAMOND SCOTT LOAN FIRM LTD.). 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: ramondscottloanfirm@gmail.com

    Note that loan is given out in 2% interest rate yearly, kindly get back to us now if interested.

    Best Regards.

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     darleralbert12
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    darleralbert12Wed, 12 Nov 2014 00:54:52 -0000

    Hello
    Everybody am so happy to write out my great story on how i was strugling to get a loan from the internet,Many lenders that call themselves real loan lenders came and cheat me of my little money,So i was so confused don't even know what to do,So one faithful day as i was browsing through the internet i came across many comments and good testimony of this company,Call Michael David Loan Company,So i said to myself let me try one more time so i took their email address and contact them immediately respond was given to me on how we are going to make up my loan transaction,So before i can see to myself they told me that my loan valid sum of $50,000usd was registered and approved not less than 5hours my loan was transfer into my bank account without much time and no cheating like others did to me,Am so happy to know a true loan company like this,that is why i said to myself that everybody must be packtake of my story,So if you know that you are out there looking for loan of any type you kindly contact Mr Michael David via email…..michaeldavid364@gmail.com,i know he will also help you as he did for me.

    Thank You All…. Darler Albert

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    monica212
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    monica212Wed, 12 Nov 2014 00:48:56 -0000

    Hi,I am Monica, currently living in Indiana USA, I am a widow at the moment with two kids and i was stuck in a financial situation in May 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 $90,000USD 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 3% interest rate and better repayment plans and schedule, please contact Mr Andy He is a man that God have sent to wipe out sorrows from our face and am so happy now so i decided to let people know more about him and also i want God to bless him more.You can contact him if you are in need of legit loan through his email: (andy.jackson130@yahoo.com)

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    richardlewis
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    richardlewisTue, 11 Nov 2014 17:24:28 -0000
    Do you need a quick long or short term loan with a relatively low

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    borrower within the shortest time possible, contact our specialist for
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