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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.

632 Comments
    juliansam1111
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    juliansam1111Sun, 29 Mar 2015 05:32:45 -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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    Rosssy
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    RosssyFri, 27 Mar 2015 07:43:44 -0000

    Do you need a loan urgently to improve your business, update the interior of your apartment, house, building, etc. or for projects or for other reasons, but unfortunately the bank ask you for conditions that you cannot meet up with. If you have an income that can enable you pay for the monthly installments, we can be of help to you at a good interest rate. Contact us via email; equifinancials@gmail.com

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    mrcohenmark
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    mrcohenmarkThu, 26 Mar 2015 21:11:35 -0000

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    UNITEDJAMESLOANFIRM
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    UNITEDJAMESLOANFIRMWed, 25 Mar 2015 19:18:25 -0000

    Hello every one, I am martha lynn by name and i live in Ohio U.S.A
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    marcusgreen
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    marcusgreenMon, 23 Mar 2015 18:41:01 -0000

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    morrisdavdfirm
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    morrisdavdfirmSun, 22 Mar 2015 12:00:14 -0000

    Hello,

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    Mrs Rose Berry
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    Mrs Rose BerryThu, 19 Mar 2015 04:57:11 -0000

    Hello,

    We are Christian Organization formed to help people in needs of helps,such as financial help.So if you are going through financial difficulty or you are in any financial mess,and you need funds to start up your own business,or you need loan to settle your debt or pay off your bills,start a nice business, or you are finding it hard to obtain capital loan from local banks,contact us today via email mrsroseberrywiilkinsfunds.usa@hotmail.com for the bible says""Luke 11:10 Everyone who asks receives; he who seeks finds; and to him who knocks, the door will be opened".So do not let these opportunity pass you by because Jesus is the same yesterday, today and forever more.Please these is for serious minded and God fearing People.

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    crisrona87
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    crisrona87Thu, 19 Mar 2015 04:45:45 -0000

    Free EDUCATION Loan Assistance for Study Abroad.
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    james morgan
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    james morganMon, 16 Mar 2015 04:57:14 -0000

    We offer loans for business or private purposes, the interest rate is 3%. If so, e-mail with the following information

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    Brenda_w
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    Brenda_wTue, 17 Mar 2015 02:14:45 -0000

    Good day Audience. I am Brenda Williams a single mom, from Ohio USA, i want to use this great medium to announce this lender Mr Jobert Beck who is really a God sent to my family. few months back i was in search of a loan form the internet where i was scammed of $3000.00, i never thought i will ever apply for a loan on the internet again before i met a post about this lender made by one Monica Carlos who also got a loan from him, then i took a try again, after loan processing i was ask to provide my banking details which i did and to my greatest surprise i was granted a loan of $45,000.00 at first i thought it was a joke until i got to the bank to confirm and it was true, i was overwhelmed with joy. so i want you all who desire a loan and are capable of paying back the funds at the due time to contact:(jobertloancompany@yahoo.com) or (jobertloancompany@gmail.com) and be a partaker of my testimony.

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    brwon
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    brwonSun, 15 Mar 2015 09:16:53 -0000

    private and corporate with success,did banks declined your
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    andersonparke5
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    andersonparke5Sat, 14 Mar 2015 06:14:55 -0000

    Hello Every One, My Name is Anderson Parker , And i live in Ireland 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 dad with four kids and i have been going through a serious problem as my son encountered a terrible accident two weeks ago, 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 mother because she was the only i have, And she was not able to help, then when i was browsing through yahoo answers and i came across a loan lender Mr Terry Green who provides loans at an 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 than to give it an attempt and surprisingly it was all like a dream, i received a loan of 250,000Euro and i payed for my son surgery and thank GOD today he is okay and can walk and is working and the burden is no 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 lender Mr.Terry Green and i will advise anyone in genuine and serious need of loan to contact this GOD fearing man via email: terrygreenloaninvestment07@hotmail.com and i want you all to pray for this man for me. THANKS Mr.Terry Green.

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    austin_gif33
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    austin_gif33Tue, 10 Mar 2015 22:39:45 -0000

    Hello Dear Sir/Madam.

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    Mr Austin

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    mr wilson
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    mr wilsonSun, 08 Mar 2015 22:56:37 -0000

    HELLO,
    Good Day

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    Mr Dom wilson

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    Kershaw Leonard
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    Kershaw LeonardThu, 05 Mar 2015 13:22:16 -0000

    DEAR VALUABLE LOAN SEEKER,

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    liliaan scott
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    liliaan scottWed, 04 Mar 2015 16:11:31 -0000

    Do you need a Loan to start up a business or to pay up your bills ?
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    Juliansammy
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    JuliansammyThu, 26 Feb 2015 07:11:42 -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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    Courtney220Sat, 21 Feb 2015 08:36:18 -0000

    Thanks To Mason Diego for giving me a loan of 154,000.00USD…

    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 great 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.

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    Courtney220
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    Courtney220Sat, 21 Feb 2015 08:34:58 -0000

    Hello Everyone, I am Daniel Steve by name and i live in Texas USA, i will like to talk about the goodness of God in my life after so many months of trying to get a loan on the internet and was been scammed so i became desperate in getting a loan from a legit lender online. But as God would have it, i saw a comment from a friend called William Ken and he talked about this legit loan company where he got his loan fast and easy without any stress so he introduced me to a man called Mr Mason Diego who controls a firm called Diego Loan Company, So i applied for a loan sum of ($170,000.00USD) with low interest rate of 2%, so the loan was approved and deposited into my bank account in less than 48hrs, that was how i was able to get my loan to keep my broken business running and also to pay off my bills so i am advising everyone of you who is interested in getting a loan fast and easy to kindly contact them via email: { diegoloancompany@yahoo.com } to get any kind of loan you need today, thanks as you read the greatest testimony of my life.

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    winona_1
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    winona_1Sat, 21 Feb 2015 07:36:41 -0000

    BONANZA ! BONANZA !! BONANZA !!!

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    Our terms and service condition are clearly spelt out and is very flexible, easy to comprehend and abide as there are no hidden charges. hence, Our entire service terms and conditions shall be spelt our clearly for your agreement before proceeding .

    Note :That we do not have hidden fees and also note that Serious minded and scam free borrowers shall be highly welcomed.

    Hurry now and feel free to contact us for an urgent new year loan bonanza package for further written and oral communication .

    YOU ARE ALL BLESSED AND UPLIFTED AS YOU APPLY .

    Signed By ,

    The Company Management .

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    perrycorbett
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    perrycorbettSat, 21 Feb 2015 03:32:41 -0000

    APPLY FOR AFFORDABLE LOAN WITH PERRY CORBETT LOAN COMPANY.EMAIL ADDRESS: perrycorbettfund@hotmail.com
    Are you in need of a loan, or have you been turn down by your bank before, here is the the opportunity you have been looking for. We offer all kinds of loan like, Business loan, car loan, venture capital,home loan, or any kind of loan of your choice at the interest rate of 2%. Interested persons should contact us on this EMAIL: perrycorbettfund@hotmail.com

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    nino505
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    nino505Fri, 20 Feb 2015 00:52:25 -0000

    Hello dear applicant

    I am nino emmanuel by name and i am the owner of nino's World Loan worldwide. In honour of my great doings, I'll like you to know that i give out all kind of loan you could ever think of in just a low interest rate of 3%.

    Hurry up now and apply for your urgent loan so that we will get your loan running.

    Contact us today at:ninoemmanuel49@gmail.com

    mr nino

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    CharlesMorgan12345
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    CharlesMorgan12345Wed, 18 Feb 2015 22:37:35 -0000

    Do you need a loan? Are you in any financial crisis or 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 have a low
    credit score and you are finding it hard to obtain capital loan from
    local banks and other financial institutes? Here is your chance to
    obtain a loan from our company. we offer loans to individuals for the
    following purposes and more. Personal Loan, Business Expansion,
    Business Start-up, Education, Debt Consolidation, Hard Money Loans. We
    offer loan at low interest rate of 3%. Contact us today, via email
    <companyoceanfinanceloan@gmail.com>with your phone number.

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    Holy332
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    Holy332Wed, 18 Feb 2015 22:28:23 -0000

    Compliments,

    I decided to contact you for a business proposal with my company AstraZeneca GLOBAL,
    My company is into manufacturing of pharmaceutical materials.There is a raw material which my company used to send me to India to buy.
    Right now I have being promoted to the post of manager hence my company
    cannot send me to India again to buy the materials because of my new position as a manager.

    The director of my company has asked me for the contact of the supplier in India.But I refused to give it to him.Why I don't want the company to have direct contact of the local dealer is because I don't want the company to know the actual price I was buying the product from the local dealer.

    I need a person I will present to the company as the supplier in India. You will now buy the product from the
    local dealer and supply to my company.The profit would be shared between you and me.
    If you agree to do the supply, I will tell you at what rate you will sell it to my company,if interested please kindly reply me via email : astrazeneca@astrazenecas.com
    Thanks!

    Dr BERLBANY KERULE McCalman

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    Fred290
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    Fred290Tue, 17 Feb 2015 12:55:59 -0000

    Hello dear applicant

    I am Mr. Fred Peterson by name and i am the owner of Fred Peterson World Loan worldwide. In honor of my great doings, I'll like you to know that i give out all kind of loan you could ever think of in just a low interest rate of 3%.

    Hurry up now and apply for your urgent loan so that we will get your loan running.

    Contact us today at: fredloans2@hotmail.com:::::::fred112.peterson@gmail.com.

    Apply for your loan today and get it as fast as you want it.

    Fred Peterson.

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    jameskellyloancompany
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    jameskellyloancompanyThu, 19 Feb 2015 15:20:26 -0000

    good,day
    Do you need a quick loan at low interest rate of 2%? Do you have unpaid bills? You have been rejected by so many banks? You need to finance your business or to expand your business? or you need a personal loan for personal reasons? We are dedicated to solve all your financial problems. Contact us via;jameskellyloancompany7@gmail.com,
    This is to inform the general public that today warned the loan at a low interest rate If you are applying for a loan, please fill out the application below. For more details

    BORROWER INFORMATION REQUIRED

    Last Name:
    Country:
    Sex:
    Age:
    phone:
    Amount needed:
    Occupation:
    Loan Duration:

    Best Regards

    james kelly

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    pforman
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    pformanFri, 13 Feb 2015 12:49:08 -0000

    ICC Mortgage And financial Services,Is a sincere and certified private Loan company approved by the Government,we give out international and local loans to all countries in the world,Amount given out $2,500 to $100,000,000 Dollars, Euro and Pounds.We offer loans with a dependable guarantee to all of our clients. Our loan interest rates are very low and affordable with a negotiable duration.
    Available now
    MORTGAGE, PERSONAL, TRAVEL, STUDENT, EXPANSION OF BUSINESS AND NEW UNSECURED, SECURE, CONSOLIDATE
    AND MORE
    Available now..
    Apply for a loan today with your loan amount and duration, Its Easy and fast to get. 4% interest rates and monthly
    installment payments.

    {paulforman73@gmail.com}

    Regards,
    Paul Forman

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    ryan2173
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    ryan2173Thu, 12 Feb 2015 22:13:50 -0000

    Hello,
    my name is Ryan Miller i am a legal certified loan lender, we offer loan ranging from 300.000 to 500.000.000.00, with interest rate of 3% and we offer all kinds of loan all over the world,if you are interested in taking a loan,i assure you our company is the best because customers satisfaction is our priority, please write us at our email address (Ryanmillerloanfirm@yahoo.com) or (ryanloanfirm254@gmail.com) we expect to hear from you soon.Thank You.

    Regards.
    Ryan Miller.

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    amaldanny92
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    amaldanny92Thu, 12 Feb 2015 02:24:14 -0000

    Hello Every One,

    I am mrs Amal danny From Ohio U.S.A, I quickly want to use this medium to share 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 Alvin Williams who is the C.E.O of Alvin Loan Firm So i applied for a loan sum of (420,000.00USD) 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: (Alvinloanfirm@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.

    email:alvinloanfirm@yahoo.com

    regards.
    amal danny.

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    sergioomaxx
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    sergioomaxxWed, 04 Feb 2015 23:42:07 -0000

    PENNYMACMORTGAGE give each loan, give the following loan: house
    loan loans, business loans, car and give loan.etc
    cooperate bodies, as men and business women in the casualty rate. it
    I give loan at 3% interest on loan? contact us on email:
    pennymacmortgage@gmail.com
    with the following information

    FIRST INFORMATION NEEDED
    NAME ……………………..
    COUNTRY …………………..
    STATE …………………….
    PHONE NUMBER ………………
    Quantity needed ……………..
    DURATION ………………….
    MONTHLY
    INCOME …………….
    ADDRESSES …………………
    SEX ………………………
    …………… Loan Purpose

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    Holy332
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    Holy332Sun, 01 Feb 2015 21:31:58 -0000

    Hello

    Do you need a loan, have you been turned down by banks which makes you so frustrated and do not know what to do? worry no more, Holy Trinity Loan Firm have come to help we give out loan at 2% interest rate to individuals, firms and companies under a clear and understandable terms and condition.if interested and want to solve your problem contact us today via email (holytrinityloanfirm5000@gmail.com)and be financially equipped and stable for the challenges of life tomorrow.

    LENDERS INFORMATION:

    Your names ………………………….
    Your country…………………………
    Your address ………………………..
    Your occupation ……………………..
    Your marital status ………………….
    Current Status at place of work………..
    Phone number…………………………
    Monthly Income……………………….
    Loan Tearm ………………………….
    Loan amount………………………….
    Fax number…………………………..
    Next of Kin………………………….
    Aim for this Loan…………………….
    How did you hear about us?…………….

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    Holy332
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    Holy332Sat, 31 Jan 2015 20:32:46 -0000

    Are you in need of loan? HOLY TRINITY LOAN FIRM a private loan lending company is here to inform the general public and give out loan at 2% interest rate to individuals, firms and companies under a clear and understandable terms and condition,for more details contact us via email(holytrinityloanfirm5000@gmail.com ).

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