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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.

696 Comments
    bastard12345
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    bastard12345Mon, 24 Aug 2015 22:11:40 -0000

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    morgansteev220
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    morgansteev220Mon, 24 Aug 2015 08:19:00 -0000

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    Owen Davidson Copper
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    Owen Davidson CopperSun, 23 Aug 2015 12:09:41 -0000

    DO YOU NEED A LOAN!!! Hi,

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    Owen Davidson Copper
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    Owen Davidson CopperSun, 23 Aug 2015 12:09:17 -0000
    NOTICE!!!

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    abasaboh
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    abasabohFri, 21 Aug 2015 07:25:40 -0000

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    MichealBen
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    MichealBenMon, 17 Aug 2015 05:45:09 -0000
    To properly introduce myself, I'm Mr. Micheal Benson a private lender,i Give out loans at 3% interest rate, this a financial opportunity. at your door step, get your loan quickly. There's so much people out There looking for financial opportunities or help around the corner, and Places, and still they are not able to get one, but here it is. Financing opportunities on your door step and as such you can not afford To miss this opportunity This service is made to Individuals, companies, businessmen and women, and loans.The availability of any amount of your choice for more information. Contact us via email: michealbensonloanagency@gmail.com.

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    donaldcoch
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    donaldcochMon, 10 Aug 2015 11:03:32 -0000
    Hi everybody, I am Mr Donald Coch,Am From Europe but currently living in Australia now.Am married at the moment with three kids and i was struck in a financial situation and i needed to refinance my business and also pay for my daughter medical 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 private loan lender by a friend and i got a loan sum of 150,000USD and today am a business owner and my kids are doing well at the moment. So dear,if you must contact any firm with reference to securing a loan with low interest rate of 3% and better repayment plans and schedule,please contact Mr Warren Buffett 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 companies and also i want God to bless him more. You can contact his company through this email.warrenbuffettloanfirm01@gmail.com

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    larryjeff
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    larryjeffMon, 10 Aug 2015 04:51:15 -0000

    Hello,

    Are you in need of loan?? you can get your problems solve when you run to him . Am Mrs Anna . From U.S.A , last week Monday, I was looking for loan to pay for my bills , so i get myself into the hand of different scams and i was scams by different lender, If not for Mrs ,Mercy who is my good friend introduce me to Mr Larry Jeff (C.E.O) Larry Jeff Loan Company, and he help me with a loan of $20.000 without stress . So My good people of U.S.A , you can contact him via Email: larry.jeffloan3@gmail.com And don't forget to tell him,that i introduce you to his company

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    MichealBenson
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    MichealBensonSat, 08 Aug 2015 13:21:08 -0000
    To properly introduce myself, I'm Mr. Micheal Benson a private lender,i

    Give out loans at 3% interest rate, this a financial opportunity.
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    Yours truly

    Micheal Benson

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    Mr William Burn
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    Mr William BurnSat, 08 Aug 2015 09:28:47 -0000

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    FlowerLoan
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    FlowerLoan Thu, 06 Aug 2015 18:07:40 -0000

    Do you need a loan @ 3% rate? If yes get back with your Full Name Amount Needed Country Duration Phone# : (flower.loan@yahoo.com)

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    Mercy Sheeler
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    Mercy SheelerThu, 06 Aug 2015 05:03:42 -0000

    Hello Every One, I am Mrs Mercy Sheeler , I want to use this medium to share a testimony on how i got a Legit loan lender online where i got my loan and i have also introduce friends and family to her who have gotten their loan also and can testify to that. After so many months of trying to get a loan online and was scammed the sum of $7,200 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 Lyn Veronica Loan Company where she got her loan also So i applied for a loan sum of (85,000.00USD) with low interest rate of 2%, the loan was approved easily without stress and all the preparations where made concerning the loan transfer and in less than two(3) days the loan was deposited into my bank so i want to advice any one in need of guarantee loan to contact her via email: lynveronicaloancompany@yahoo.com, she is a nice and God fearing woman and also she is kind hearten thanks, Mrs Mercy . lynveronicaloancompany@yahoo.com …

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    Kathie_roper
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    Kathie_roperTue, 04 Aug 2015 20:44:48 -0000

    Good Day !!

    I am Mr. George, Working with a Reputable, Legitimate & an accredited money
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    ======
    Services Rendered include:
    ======
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    *Inventor Loans
    *Car Loans
    *Debt Consolidation Loan
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    *Second Loan
    *Business Loans
    *Personal Loans
    *International Loans.

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    Owen Davidson Copper
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    Owen Davidson CopperTue, 04 Aug 2015 08:40:55 -0000

    GREETINGS TO THE GENERAL PUBLIC

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    Owen Davidson Copper
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    Owen Davidson CopperTue, 04 Aug 2015 08:39:08 -0000

    DO YOU NEED A LOAN!!!

    Hi,

    My name is Mr Owen Davidson I am a private

    lender who give out loan to private and corporate individuals. Have
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    establish your business? Do you need finance for the expansion of you
    business? Or do you need a personal loan? My loan ranges from personal
    to business loan. My interest rate is very affordable and our loan
    process is very fast as well. I am very willing to make all your
    financial troubles a thing of the past. If you are really ready to get
    your financial problems solved,Then search no further and apply for a
    loan today. If you are interested fill the DATA FORM so that i can
    give you my terms and conditions. BORROWERS DATA FORM
    1)YOUR NAME……………………………
    2)YOUR COUNTRY……………………..
    3)YOUR OCCUPATION………………..
    4)YOUR MARITAL STATUS…………..
    5)PHONE NUMBER…………………….
    6)MONTHLY INCOME…………………
    7)ADDRESS……………………………….
    8)PURPOSE……………………………….
    9)LOAN REQUEST………………………
    10)LOAN DURATION…………………..
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    My email address is stated below: I look forward to doing business
    with you. ==== Reply Email:
    {owendavidsonloancompany1@gmail.com}

    And be ready to receive your loan in
    less than 24 hours.

    Mr Owen Davidson

    C.E.O

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    Reply to This
    Owen Davidson Copper
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    Owen Davidson CopperTue, 04 Aug 2015 08:38:46 -0000

    Dear Sir/Madam,

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    Owen Davidson Copper
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    Owen Davidson CopperTue, 04 Aug 2015 08:36:20 -0000

    DEAR ESTEEMED LOAN SEEKER,

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    johncash
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    johncashSat, 01 Aug 2015 21:27:18 -0000

    if you need a loan of any kind, whether long term, short term or medium term loan, contact me now via email with luckycreditfinance@gmail.com ,if you need financial assistance, contact me and i will help you out.

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    Alexader Dennis
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    Alexader DennisSat, 01 Aug 2015 04:15:44 -0000

    DO YOU NEED A LOAN?
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    Alexader Dennis
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    Alexader DennisSat, 01 Aug 2015 03:44:15 -0000

    DO YOU NEED A LOAN?
    Mr Alexader Dennis now offers loans such as follow.. Home Loans, Business Loans, Personal Loans, Car Loans, Company Loans, Student Loans, Commercial Loans Etc,, Have you been rejected by other banks or other brokers? Do you have bad credit scores and no one is willing to give you loan? Contact us today for urgent and easy loan. We give out loan from $1,000 To $2,000,000 with a very low rate of 3% From the period of 1 to 5 years duration. Note:

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    (2) Borrower should be above 18 years of age
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    (4) Borrower will start paying back the loan three months after the loan approval Contact: alexaderdennisloans@gmail.com

    • Appointments in the amount ranging from $1,000 to $50,000, 000.00
    • The interest rate is at 3%
    • Choose between 1 and 40 years of repayment.
    • Choose between Monthly and annual repayment plan.
    • Terms and conditions of the loans flexibility.

    All these plans and more, please contact us.

    1. Full Names:……………………….
    2. Contact Address:…………………..
    3. Loan Amount Needed:………………..
    4. Duration of the Loan……………….
    5. Direct Telephone Number:……………
    6. Country…………………………..

    Email:(alexaderdennisloans@gmail.com)

    Best Regards,

    Mr Alexader Dennis

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    harrod king
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    harrod kingFri, 31 Jul 2015 05:51:10 -0000

    Hello,

    Do you need a loan to change your life style, business or to buy a car and start up a business? Then Mr Harrod is the best person to contact for a good loan cheap and affordable loan rate @2% interest rate. contact him today on email: harrodkingcompanygmail.com

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    creditconsultant
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    creditconsultantMon, 27 Jul 2015 17:18:04 -0000

    Attention Please: Are You Financially down ? Do you need a loan to pay off bills or buy a home Or Increase your Business ? Apply for a loan now and get approved. We offer all kinds of loan at a reduced interest rate of 2%. Our loan program is direct and flexible and your financial aim is our success. IF INTERESTED, for more info contact us now via Email: creditconsultance890@outlook.com

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     jgreen1
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    jgreen1Sat, 25 Jul 2015 14:17:37 -0000

    Do you need an urgent loan?
    have you been looking for a legit loan lender?
    have your banks refuse to offer you a loan?
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    Amazing Loans Limited offers loan ranging from 5,000 euros Minimum to 200,000,000.00 euros Maximum to individuals and companies in need of loan at low interest rate of 3% : If you really need a loan contact us Via Email: [ amazingfinance1@outlook.com ]:

    Regards
    Mr. Eric Oje
    M/D

    Send Your Reply to : amazingfinance1@outlook.com

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    luckyjade
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    luckyjadeSat, 25 Jul 2015 04:38:22 -0000
    if you need a loan or financial assistance of any kind, contact me now with my email address :luckycreditfinance@gmail.com

    Your problem of getting a loan will be solved, we offer short,medium and long term loans, contact us now and get your loan.
    await your response.
    contact us on email with :luckycreditfinance@gmail.com

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    John-Rog-ers
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    John-Rog-ersThu, 23 Jul 2015 10:26:07 -0000

    Hello Every One, I am Mr John Rogers From Carlifonia U.S.A, I quickly want to use this medium to share a testimony on how God directed me to a real loan lender who have transformed my life from from being poor to a rich man 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 $10,000 i became so desperate in getting a loan from a real loan lender online who will not add to my stress, 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 Aliton Bernard Jones who is the C.E.O of BERNARD INVESTMENTS LIMITED So i applied for a loan sum of (400,000.00USD) with low interest rate of 2%, so the loan was approved easily without stress and all the preparations where done concerning the loan transfer and in less than three(3) days the loan was deposited into my bank so i want to advice any one in need of a loan to quickly contact him via: (bernardinvestmentlimited@hotmail.com) he does not know am doing this i pray that God will bless him for the good things he has done in my life,and that of my family.

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    Morgan Steev
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    Morgan SteevFri, 17 Jul 2015 02:28:23 -0000

    HOW I GOT MY LOAN FROM HERMAN CEIN LOAN FINANCE (CEINLOANFINANCE@YAHOO.COM)

    Hello everyone, My name is Morgan Steev white, I am from the New Jersey, United State, am here to testify of how i got my loan from Mr Herman Cein { ceinloanfinance@yahoo.com} after i applied Two times from various loan lenders who claimed to be lenders right here this forum,i thought their lending where real and i applied but they never gave me loan until a friend of mine introduce me to Mr Herman Cein the C.E.O of Herman Cein Loan Finances 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 Herman Cein, who really helped me with my loan and changed my life for the better. I don't know if you are in need of an urgent loan also, So feel free to contact Mr Herman Cein on his email address: { Ceinloanfinance@yahoo.com}or call (201) 720-8275 for help.

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    paulloanfundshelp
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    paulloanfundshelpSun, 12 Jul 2015 14:37:23 -0000

    Hello Am Mr Paul Green,Am Legitimate and reliable loan lender.I give out loans on a clear and understandable terms and conditions at 3% interest rate. From $8000 to $7000000 USD, Euro And Pounds Only. I give out Business Loans, Personal Loans, Student Loans,Car Loans And Loans To Pay Off Bills. If you need a loan what you have to do is for you to contact me directly immediately now at: paulloanfundshelp@hotmail.com

    God Bless You.

    Regards,

    Mr Paul Green

    Email: paulloanfundshelp@hotmail.com

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    MAXWELL LOAN
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    MAXWELL LOANFri, 17 Jul 2015 01:47:30 -0000

    Are you looking for a very genuine loan?
    Do you want financial assistance in your business?
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    worry no more because we give out loan At an affordable interest rate of 2%? Processed within 24 hours.and a repayment

    duration period of 1year to 10years to any part of the world.We give out loans within the range of 5,000 to 100,000,000 USD

    Just for only one fee, which is the Registration fee while the company will be paying all other fees, Any loan company asking

    for more than one fee is a scam and bewear of that company. Our loans are well insured and maximum security is our

    priority.contact us today at(maxwellloans24@outlook.com) where your needs are meet and your worries are over.

    Reply to This
    Stephiene
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    StephieneSun, 12 Jul 2015 03:13:56 -0000

    Hello friends!!! My name is Stephiene Chandler. i want to testify of the good Loan Lender who showed happiness to me after been scammed by 2 different Internet international lender, they all promise to give me a loan after making me pay alot of fees which yield nothing and amounted to no positive result. i lost my hard earn money and it was a total of 4,000USD. One day as i was browsing through the internet looking frustrated when i came across a testimony woman called Susan Allen who was also scammed and eventually got linked to a legit loan company called Lyn Veronica Loan Company and email (lynveronicaloancompany@yahoo.com ) where she finally got her loan, so i decided to contact the same loan company and then told them my story on how i have been scammed by 2 different lenders who did nothing but to course me more pain. I explain to the company by mail and all they told me was to cry no more because i will get my loan in their company and also i have made the right choice of contacting them. i filled the loan application form and proceeded with all that was requested of me and to my shock I was given a loan amount of $60,000.00 Dollars by this great Company (Lyn Veronica Loan Company} she was the Savior GOD sent to rescue my family and at first i thought it was not going to be possible because i have been scammed by 2 different lenders until i received my loan of $60,000.00 USD and now i and my family are back on feet, i will advise anyone who is in genuine need of a loan to contact Mrs Lyn Veronica a God Fearing Woman via email at: { lynveronicaloancompany@yahoo.com } because she is the most understanding and kind hearten lender.

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    morgansteev
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    morgansteevFri, 10 Jul 2015 04:10:21 -0000

    HOW I GOT MY LOAN FROM HERMAN CEIN LOAN FINANCE (CEINLOANFINANCE@YAHOO.COM)

    Hello everyone, My name is Morgan Steev white, I am from the New Jersey, United State, am here to testify of how i got my loan from Mr Herman Cein { ceinloanfinance@yahoo.com} after i applied Two times from various loan lenders who claimed to be lenders right here this forum,i thought their lending where real and i applied but they never gave me loan until a friend of mine introduce me to Mr Herman Cein the C.E.O of Herman Cein Loan Finances 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 Herman Cein, who really helped me with my loan and changed my life for the better. I don't know if you are in need of an urgent loan also, So feel free to contact Mr Herman Cein on his email address: { Ceinloanfinance@yahoo.com}or call (201) 720-8275 for help.

    Post Comments

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    stevenjosh121
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    stevenjosh121Wed, 08 Jul 2015 11:13:27 -0000

    Hello do you need a short term or long term loan? with just 2%percent interest rate… Avoid been turned down by bank or other loan firms. Request for a loan from us today at Steven Josh Loan Firm apply now.. All mails with your details and how much you need should be written to our company email: stevenjoshloanfirm@gmail.com

    1)Full Name:………………………
    2)Country:………………………
    3)Address:………………………
    4)State:………………………
    5)Sex:………………………
    6)Marital Status:………………………
    7)Occupation:………………………
    8)Phone Number:………………………
    9)Currently position in place of work:…………………
    10)Monthly income:………………………
    11)Loan Amount Needed:………………………
    12)Loan Duration:………………………
    13)Purpose of Loan:………………………
    14)Have you applied before……….

    Thanks,

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