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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.

648 Comments
    danielsmith011
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    danielsmith011Wed, 29 Apr 2015 19:38:33 -0000

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    GAHYA45
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    GAHYA45Mon, 20 Apr 2015 06:24:44 -0000

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    henryloanSat, 18 Apr 2015 05:56:51 -0000

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    juliansam133
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    juliansam133Tue, 14 Apr 2015 09:41:59 -0000

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    GOUTAM74
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    GOUTAM74Sun, 12 Apr 2015 23:16:20 -0000

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    juliansam13
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    juliansam13Sat, 11 Apr 2015 05:27:03 -0000

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    Courtney220
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    Courtney220Fri, 10 Apr 2015 02:50:04 -0000

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    hoffmanfianace
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    hoffmanfianaceWed, 01 Apr 2015 18:05:57 -0000

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    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.

    Post Comments

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    Rosssy
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    RosssyFri, 27 Mar 2015 07:43:44 -0000

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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
    please i will like to talk about the goodness of GOD in my life after
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    as well, So thanks as you read the greatest testimony of my life story
    and thanks be to GOD almighty for his goodness upon my life.

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    Reply to This
    marcusgreen
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    marcusgreenMon, 23 Mar 2015 18:41:01 -0000

    Vogliamo dare credito a chi mai che ha bisogno di un prestito a basso
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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,

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

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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

    • Full Name: ……………………………
    • Required Loan amount: …………..
    • Length: ……………………….
    • Country: ………………………………..
    • Phone: ……………………………..
    • Profession: …………………………..
    • Monthly income: ……………………

    Your satisfaction and financial success is our goal
    Email us via :jamesmorganhelps2015@gmail.com

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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
    credit.here comes your help we are introduced our private loan company
    we gave out loan of 1000000euro to 1000,000usd any currency our firm
    with reference in getting a loan with low interest rate of 3% and
    better repayment plans and schedule, to assist those in financial
    difficulties You can contact her through his email
    {kevinloanfirm12@gmail.com} to get a genuine loan offer today.

    name:
    country:
    duration:
    amount:
    phone:
    next of kids:

    best regard
    Mr Devi

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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.

    I am Mr. Austin, a private money lender. I give out loans with an interest rate of 3% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL : austin_gift@yahoo.com

    Attention!!!

    Do you have a bad credit?
    Do you need money to pay bills?
    Do you need to start up a new business?
    Do you have unfinished project at hand due to bad financing?
    Do you need money to invest in some area of specialization which will profit you? and you don't know what to do.

    We offer the following loans below,
    personal loans[secure and unsecured]
    business loans[secure and unsecured]
    combination loans
    students loans
    consolidation loans and so many others.

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

    Email austin_gift@yahoo.com

    Best Regards,

    Mr Austin

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

    HELLO,
    Good Day

    Are you looking for a business loan, personal loans,
    mortgage loans, car loans, loans
    student loans, consolidation loans, unsecured
    guarantee, venture capital, etc … Or simply refuse
    loan from a bank or financial institution for one or more reasons?
    You are the right solutions for the credit! We are a
    private lender, we offer loans to businesses and individuals with
    low and affordable interest rate of 2%. So if you are
    interested in a quick and easy loan. Email
    Contact: domwilsonloancompany@gmail.com

    NAME:…………….
    AGE:……………..
    SEX:……………….
    MARITAL STATUS:………………..
    CONTACT PHONE NUMBER:…………….
    ADDRESS:………………….
    CITY:……………….
    STATE:………………..
    COUNTRY:……………….
    ZIP CODE:…………………
    OCCUPATION:…………………..
    MONTHLY INCOME:………………..
    AMOUNT NEEDED:………………….
    FULL BANK DETAILS:………………..
    WHEN NEEDED:…………………….
    PURPOSE OF LOAN:……………………
    BANKRUPT OR NOT:……………………..
    REPAYMENT DURATION:…………………..

    We await your swift reply to this e-mail: domwilsonloancompany@gmail.com

    Regards,
    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,

    Are you in any kind of financial problem and you need loan to pay off your debts we offer all kinds and types of loans with easy Repayment at the lowest rate of 3%. We offer loans in all currencies and We give out loans from the lowest amount of $1000 to the maximum amount of$50,000,000usd for our first timers. You are advised to fill the application form so that we can proceed further with your loan proceedings.Interested applicants should fill in the form below.

    {{{ BORROWERS INFORMATION }}}

    NAME……….
    SEX……….
    AGE……….
    CONTACT……….
    COUNTRY……….
    PHONE……….
    AMOUNT NEEDED……….
    LOAN DURATION:………
    PURPOSE OF LOAN……….
    OCCUPATION……….
    GENDER……….
    YOUR MONTHLY INCOME……….
    MODE OF REPAYMENT:……….

    Contact us via Email: kershawleonardloancompany@gmail.com

    Mr Kershaw Leonard

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