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Bank of IndiaCourses Approved: Graduate and Postgraduate courses in engineering, computer technology, medicine etc.All vocational courses/job oriented diploma courses, recognised by govt and universities.Similar courses pursued in universities abroad. Full time post graduate research in any of the aforesaid subjects.

Eligibility: Should be a citzen of India. For vocational training courses and job oriented course age of the individual should be between 15-28 years,and 18-30 in case of post graduate courses and/or studies abroad.The applicant should have a good academic record. For studies abroad, the candidate should have secured admission in a particular university after having appeared in the specific entrance examinations. The applicant should have secured a minimum of 50% marks in the major subject.In case of SC/STcandidates eligibility norms may be relaxed.

Amount of Loan: In India Rs. 7.5 Lakhs and for Study Abroad Rs. 15 lakhs.

Interest Rate: For upto Rs. 4 lakhs the interest rate is PLR and above Rs. 4 lakhs the interest rate is PLR + 1%.
Central Bank of IndiaCourses Approved: For pursuing Graduate/Post-Graduate, Management/Job-oriented courses, Professional Courses of recognised Universities / reputed Institutes, Computer courses conducted by NIIT, APTECH, CMC, C-DAC with duration of one year and more.

For pursuing Post-Graduate course in Science, Technology, Medicine, Engineering, Management courses, Law, Accountancy leading to Master's degree or Post-Graduate Diploma in recognised University abroad.

Eligibility: Should have consistent good academic record in previous examinations with marks over 60 % in 10th.& 12th or first grade in other cases.
(For SC/ST Second class will be sufficient). Amount of Loan: In India Rs. 7.5 Lakhs and for Study Abroad Rs. 15 lakhs.

Interest Rate: For upto Rs. 4 lakhs the interest rate is PLR and above Rs. 4 lakhs the interest rate is PLR + 1%.
Dena BankCourses Approved:
  • School education including plus 2 stage.
  • Graduation courses : BA, B.COM., B.Sc.,etc.
  • Post Graduation courses : Masters & PhD.
  • Professional courses : Engineering, Medical, Agriculture, Veterinary, Law, Dental, Management, Computer etc.
  • Computer certificate courses of reputed institutes accredited to Dept. of Electronics or institutes affiliated to university.
  • Courses like ICWA, CA, CFA etc
  • Courses conducted by IIM, IISc, IIT, XLRI NIFT etc.
  • Courses offered in India by reputed foreign universities.
  • Evening courses of approved institiutes.
  • Other courses leading to diploma/ degree etc. conducted by colleges
    Universities approved by UGC/ Govt/AICTE/ AIBMS/ICMR etc.
  • Courses offered by National Institutes and other reputed private institutions. [Banks may have the system of appraising other institution courses depending on future prospects/recognition by user institiutions.]

Study Abroad :

  • Graduation: For job oriented professional technical courses offered by reputed universities.
  • Post graduation: MCA, MBA, MS, etc.
  • Courses conducted by CIMA- Loanon, CPA in USA etc.
.
Eligibility: The student should be:
  • An Indian National
  • Have secured admission to professional/ technical courses through Entrance Test /Selection process.
  • Secured admission to foreign university/Institutions.

Amount of Loan: In India Rs. 7.5 Lakhs and for Study Abroad Rs. 15 lakhs.

Interest Rate: For upto Rs. 4 lakhs the interest rate is PLR and above Rs. 4 lakhs the interest rate is PLR + 1%.

Punjab National BankCourses Approved: PNB's Education Loan Scheme is designed to provide better educational opportunities to bright and needy students and brings within their reach all types of education (general,professional,technical and vocational courses).

The scheme enables all types of needy students (viz.students of plus 2 stage,graduation courses, post graduation courses, Masters & Ph.Ds, professional, technical , engineering, medical, veternary, law, dental, management, computer, vocational courses, courses like ICWA,CA,CFA, courses conducted by IIM,IIT,IISc,NIFT, courses offered in India by reputed foreign universities and all other types of courses offered by Govt./Semi-Govt/private institutions in order to meet the costs for their studies in India and abroad. Such courses would include regular, part time and correspondence courses. The costs include admission fees, books & stationery, instruments required for the course, monthly fees, examination fees,insurance premium for policy on life of the borrowing student,caution deposit/building fund/refundable deposit supported by bills/receipts, expenses like study tours/project work/thesis etc. required to complete the course, boarding and lodging expenses, and travel expenses/passage money including air fare for joining the course abroad..

Eligibility: 1) Indian nationals, in the age group of 16-40 years.For part time computer courses, applicants in the age group of 16-45 years are eligible. Applicants whose guardians have been appointed by the court, should not be less than 21 years; such students should have already passed atleast one public examination.

2) Students who have scored pass marks in their last qualifying examination and have secured admission in the courses mentioned above.

3) The parents/guardian should have regular source of income to the extent that they are able to repay the loan in case of need/unforeseen circumstances.There is no stipulation of ceiling on annual income of the parents/guardians.

4) Employed persons intending to better their prospects can also avail loan for improving their educational qualifications and/or receive training in modern technology in India/ abroad provided the education/training received by them in India/abroad affords prospects for their better employment.For such persons, 'NO OBJECTION CERTIFICATE' from their employers is a pre-requisite.

Amount of Loan: In India Rs. 7.5 Lakhs and for Study Abroad Rs. 15 lakhs.

Interest Rate:

Loan upto Rs. 4 lac                            12.00% p.a. *
Loan over Rs. 2 lac upto Rs. 15 lac    13.00% p.a. *
Loan over Rs. 15 lac                          15% p.a.*

*This is subject to change from time to time.
The Interest shall be charged at simple rate from the date of disbursement till the commencement of repayment of loan and thereafter, compound Interest will be charged on reducing balance basis. 1/2% interest concession may be provided for the loanees if the interest is serviced during the study period.
State Bank of HyderabadCourses Approved: For pursuing studies in recognised schools/ colleges/ institutions to meet: - Tution and other fees

- Maintenance costs, books and equipment etc.

- Cost of passage (for studies abroad)

Eligibility: For School / College education in India.

a) Minimum second division (Pass marks for SC/ST)

b) Parents / guardians (Including persons engaged in agriculture / allied activities having independent regular source of income.

Amount of Loan: (I) School / College education in India: (Upto 6 times the monthly net (take home) income of the parents / guardian. Minimum loan of Rs. 4,000/- Maximum Rs. 1lac.

(ii) Technical / Professional higher studies in India and Abroad 90% of the cost of study, subject to maximum of Rs. 8lacs.

Interest Rate: At competitive rates on reducing balance only. Please check-up for latest rates at your nearest branch Interest is compounded at quarterly basis.
State Bank of IndiaCourses Approved: You can take a loan for pursuing studies in recognised schools/colleges/ institutions to meet:
  • Tuition and other fees
  • Maintenance costs, books & equipments,etc.
  • Cost of passage (for studies abroad)
  • Caution fund/building fund/refundable deposit
Eligibility: * Should be an India National
* Secured admission to professional/ technical courses through Entrance Test/ Selection process
* Secured admission to foreign university/ Institution

Amount of Loan: In India Rs. 7.5 Lakhs and for Study Abroad Rs. 15 lakhs.

Interest Rate:
Loans upto Rs.4 lacs SBMTLR presently 12.00 %p.a.
Loans over Rs.4 lacs 1% above SBMTLR presently 13.00 % p.a
Allahabad BankCourses Approved: You can avail of the attractive education loan scheme if you have secured admission to or are already studying in any of the country's IIMs or IITs or in any of the designated institutes

Eligibility: You are eligible for the education loan if you fulfill the following criteria: A student who has secured admission or is already studying in any IIM, IIT, Indian Institute of Science, Bangalore, Jamnalal Bajaj Institute of Management, Mumbai, XLRI Jamshedpur, Roorkee Engineering College or Indian School of Mines, Dhanbad.


Amount of Loan: The loan will be in the form of a package which will cover entire tuition fees, hostel and mess charges, library fees or any other fees / charges payable to the institution subject to a maximum of Rs 2.50 lacs.

Interest Rate:
Loans upto Rs.4 lacs (In India) 12.5% pa, SBMTLR presently 12.00 %p.a.
Loans above Rs 4 lacs 1% above SBMTLR presently 13.5 % p.a
Tenures: Minimum of 12 months to a maximum of 48 months

Andhra BankCourses Approved: After getting Admission in college/institute

Eligibility: 1st class marks in previous exams and selected for proffesional course
Repayment 1 year after completion of course or 3 months after getting a job whichever is earlier.

Amount of Loan: Visit your nearest branch.

Interest Rate:

Interest Rate in India
Upto 400000 : 12%
Above Rs 400000 : 13.5% pa.
Interest Rate for Overseas
Loans Upto 400000 : 12%
Above Rs 400000 : 13.5% pa.
Collateral and Third Party Guarantee are required

Karnataka BankCourses Approved: After getting Admission in college/institute

Eligibility: Admission approval with previous satisfactory academic record.


Amount of Loan: Visit your nearest branch.

Interest Rate:

Interest Rate in India
Upto 400000 : 12%
Above Rs 400000 : 13.5% pa.

Interest Rate for Overseas
Loans Upto 400000 : 12%
Above Rs 400000 : 13.5% pa.
Collateral and Third Party Guarantee are required

Bank of BarodaCourses Approved: Tuition feesLibrary/Other institution charges Hostel/Mess charges Travel expenses abroad (one way only)

Eligibility: Visit your nearest branch.

Amount of Loan: For studies in India: Rs. 550,000
For studies abroad: Rs.1.5 million

Interest Rate: Depending on the loan amount with maximum of 13.77%

Bank of RajasthanCourses Approved: Visit your nearest branch.

Eligibility: Good academic records and selection for the course


Amount of Loan:

Maximum Amount for India : Rs 150000
Maximum Amount Overseas : Rs 300000

Interest Rate:

In India
Upto Rs 25000: 12.75%
From Rs 25000 to Rs 200000 : 14%
Above Rs 200000 : 16%.

For Overseas
Upto Rs 25000 : 12.75%
From Rs 25000 to Rs 200000 : 14%
Above Rs 200000 : 16%.

Bank of MaharashtraCourses Approved: Visit your nearest branch.

Eligibility: Should have secure admission for in School/College/Institute

Amount of Loan:

Maximum Amount for India : Rs 200000
Maximum Amount Overseas : Rs 750000

Interest Rate:

India: 13.75%
Overseas: 13.75%
Collateral and Third Party Guarantee required

Indian Overseas BankCourses Approved: Visit your nearest branch.

Eligibility: Should have a good academic record.

Amount of Loan:

Maximum Amount for India : Rs 200000
Maximum Amount Overseas : Rs 600000

Interest Rate:
In India
Upto Rs 400000 : 12% pa
Above Rs 400000 : 13% pa.

For Overseas
Upto Rs 400000 : 12% pa
above Rs 400000 : 13% pa.
Collateral and Third Party guarantee required.
HDFC BankCourses Approved: HDFC gives loans to students to partly meet their educational expenses / costs for pursuing specific higher educational courses at institutes approved by HDFC. Loans are given to students who are citizens of India. The student should have a consistently good academic record, and admission to an approved Educational Institute for pursuing a recognized course.

Eligibility: Students enrolled with an approved Educational Institute and desirous of availing the education loan can make an application, with the earning parent / guardian being the co-applicant to the loan. Currently, new entrants and existing students of only select leading national educational institutions are eligible to apply for education loans. Please check with your nearest HDFC Office for the list of approved institutions.

Amount of Loan: Loans can be availed upto a maximum of 90% of the total cost as determined by HDFC. The costs would generally cover expenses incurred towards the course fee, library charges, hostel and mess charges, cost of books and equipment. HDFC lends upto a maximum of Rs. 2,00,000 on an Education Loan.

Interest Rate:
Loan Amount (Rs.)
Rate of Interest - % p.a.
Upto 2,00,000
14.0

UCO BankCourses Approved: The scheme extends a helping hand to a meritorious student desirous of pursuing higher studies either in India or abroad.

Eligibility:

Study in India

  • Graduation Courses in recognised universities leading to degrees like B.A., B.Sc, B.Com, B.Tech, B.E., MBBS etc.
  • Diploma/Certificate courses from recognised universities or Govt. recognised institutes in disciplines of Engineering, Medicine, Agriculture, Computer, Tourism, Hotel Management and such other technical/professional courses.
  • Chartered Accountancy and Cost & Work Accountancy from the Institute of Chartered Accountants of India and Institute of Cost & Works Accountants of India respectively.
    Post Graduate Courses leading to degrees like M.A., M.Sc., M.E., M.Tech, MBA, M.S. M.D. etc.
  • Post Graduate Research studies in Pure & Applied Sciences, Economics and other Social Sciences etc. in a recognised university leading to Doctoral Degree.

Study Abroad
Full time Post Graduate or Doctoral Programmes in Engineering, Medicine, Technology (Pure & Applied Sciences), Agriculture, Computer Science, Business Administration, Economics and other Social Sciences.


Amount of Loan: Actual Loan Amount will be determined as per requirements of the student subject to maximum of Rs.4 lakh. The loan amount under the scheme would consider meeting the following expenses:

Interest Rate: Visit your nearest branch..
IDBI BankCourses Approved: IDBI has structured a loan facility for Professional / Management / Foreign University education.

Eligibility:

Indian Universities
For Professional Courses i.e. B.E., B.Tech., M.B.B.S. Post Graduate Courses i.e. M.E., M.Tech., M.S., M.D., M.B.A., M.C.A., etc. recognized by AICTEFor part time / on-line distance learning courses (subject to terms & conditions)

Foreign Universities
For Graduate/Post Graduate/Research/Doctorate studies that insist on TOEFL, GRE, GMAT scores.

Age of the applicant should not be more than 30 years for Indian Universities and 35 for Foreign Universities. Age of the parent / Guarantors should be below 55 Years. The annual income of the family should not be less than Rs. 3 lakhs.


Amount of Loan:

For Indian Universities, actual tuition and other fees, but not exceeding Rs. 5 Lakh for the entire duration of the course.

For Foreign Universities, considering that in addition to fees, there are travel / preparatory expenses, the loan amount shall not exceed Rs. 15 Lakh, in all.



Interest Rate:
  • Long term Prime Lending Rate + 1% p.a. + taxes
  • Processing Fees: Rs. 1000 at application, and Rs. 500 p.a. thereafter
  • Cost of documentation / legal expenses at

Vijaya BankCourses Approved: Full time courses (Diploma, Teachers' Training, graduation or Post graduation and Doctorate studies) in all branches of medicine, engineering, agriculture, CA/ICWA/ACS, Computer Science, Architecture, Business Administration, Law, Arts, Science, Commerce, Hotel Management, Nursing and Pharmacy (except Foreign University Degree courses offered in India)

Eligibility: For studies in IndiaA student of Indian Nationality is eligible to apply for the loan provided he/she has secured admission to the institution/college/university.

Amount of Loan: The bank provides a loan of Rs.10000/- for a student's education at a junior college; teacher's training course and other short-term courses that are approved by the Government.Loans worth Rs.50000/- are also offered to students who wish to do a polytechnic course/computer course, or desire to pursue graduation/post-graduation in any discipline, such as arts, commerce, science, pharmacy, agriculture & fisheries.A maximum amount of Rs.4 lakhs for graduation/post-graduation in engineering, architecture, dental science, medicine, chartered/cost accountancy & business administration courses, offered by a reputed institution.

Interest Rate: Visit your nearest branch..
Indian BankCourses Approved: For pursuing Graduate/Post-Graduate, Management/Job-oriented courses, Professional Courses of recognised Universities / reputed Institutes, Computer courses conducted by NIIT, APTECH, CMC, C-DAC with duration of one year and more.

Eligibility: Should have consistent good academic record in previous examinations with marks over 60 % in 10th.& 12th or first grade in other cases.

Amount of Loan: In India Rs. 7.5 Lakhs and for Study Abroad Rs. 15 lakhs.

Interest Rate: For upto Rs. 4 lakhs the interest rate is PLR and above Rs. 4 lakhs the interest rate is PLR + 1%.
Federal BankCourses Approved: Computer Courses:Part-time/Full-time in Institutes approved by Government of India (Department of Electronics)
Duration of the course: Minimum - 12 monthsMaximum - 48 months

Amount of loan: For Computer Courses: Maximum : Rs.1.00 lac
For other professional courses:Maximum : Rs.3.50

Eligibility: Visit your nearest branch..

Amount of Loan: Maximum - Rs.10.00 lacs

Interest Rate: PLR + 1.5% (i.e. 14%

Oriental Bank of CommerceCourses Approved: Visit your nearest branch.

Eligibility: Must have obtained admission in a reputed institute in india or abroad. Repayment : After completion of course

Amount of Loan: In India Rs. 7.5 Lakhs and for Study Abroad Rs. 15 lakhs.

Interest Rate:

In India
Upto Rs 400000 : 11.5%
Above Rs 400000 : 12.5%

For Overseas
Upto Rs 400000 : 11.5%
Above Rs 400000 : 12.5%
Collateral and Third Party Guarantee required.
Mysore BankCourses Approved: Visit your nearest bank.

Eligibility:

(i). Admission offer from any Recognized University.

(ii).Details of income of Parent / Guardian

Amount of Loan: Visit your nearest bank..

Interest Rate: Compounded at quarterly intervals on reducing balance
Syndicate BankCourses Approved: Visit your nearest branch.

Eligibility: The Candidate of the candidate's guardian should hold an account in the bank. The candidate should be from the same place as the bank to avail the loan otherwise has to open an account in the bank of his choice and avail loan 6 months hence.

Amount of Loan: Visit your nearest branch.

Interest Rate: 14.5%
Canara BankCourses Approved: Visit your nearest branch.

Eligibility: Open to applicants who have 60% minimum marks in basic qualification and who have confirmed admission in a university in the UK. Interview is required. For bans up to and inclusive of Rs. 1,00,000, co-obligation from suitable person is required. For loans beyond Rs. 1,00,000, collateral security of property or other approved securities whose value is equal to the loan amount is required.

Amount of Loan: 75% of the requirements of the course (maximum Rs. 10,00,000 for entire course), covering airfares, fees and maintenance.

Interest Rate: Visit your nearest branch.

Punjab & Sind BankCourses Approved: Visit your nearest branch.

Eligibility: Visit your nearest branch.

Amount of Loan:

Maximum Amount for India : Rs 500000
Maximum Amount Overseas: Rs 500000

Interest Rate:

In India
Upto Rs 200000 : 12%
Above 200000 : 13.5%
For Overseas
Upto Rs 200000 : 12%
Above 200000 : 13.5%
Collateral and Third Party Guarantee required.

State Bank of IndoreCourses Approved: Visit your nearest branch.

Eligibility: Should have first class marks and have received admission. Repayment After completion of course.

Amount of Loan:

Maximum Amount for India : Rs 400000
Maximum Amount Overseas: Rs 400000

Interest Rate:

In India
Upto Rs 200000 : 12% pa,
Above Rs 200000 : 13.5% pa.
For Overseas
Upto Rs 200000 : 12% pa
Above Rs 200000 : 13.5% pa.
Third Party Guarantee required.

United Western BankCourses Approved: Visit your nearest branch.

Eligibility: Should have a good academic record..

Amount of Loan: In India Rs. 7.5 Lakhs and for Study Abroad Rs. 15 lakhs.

Interest Rate:

In India
Upto 400000 : 13%
Above 400000 : 13.5% pa.

For Overseas
Upto 400000 it is 13%
Above 400000 : 13.5% pa.
Collateral and Third Party Guarantee required.

ING Vysya BankCourses Approved: Visit your nearest branch.

Eligibility: Admission approval .

Amount of Loan: In India Rs. 7.5 Lakhs and for Study Abroad Rs. 15 lakhs.

Interest Rate:

In India - 16.5%
For Overseas - 16.5%

State Bank of SaurashtraCourses Approved: Visit your nearest branch.

Eligibility: Graduation with 65% marks

Amount of Loan: In India Rs. 7.5 Lakhs and for Study Abroad Rs. 15 lakhs.

Interest Rate:

In India
Upto Rs 25000 : 12%
From Rs 25000 to Rs 200000 : Rs 12.25%
Above Rs 200000 : 14.50%

For Overseas
Upto Rs 25000 : 12%
From Rs 25000 to Rs 200000 is Rs 12.25%
Collateral and Third Party Guarantee required.

United Bank of IndiaCourses Approved: Visit your nearest branch.

Eligibility: Visit your nearest branch.

Amount of Loan:

Maximum Amount for India : Rs 1500000
Maximum Amount Overseas: Rs 1500000

Interest Rate:

In India
Upto Rs 200000 : 12%
Above Rs 200000 : 15.5%

For Overseas
Upto Rs 200000 : 12%
Third Party Guarantee required.
ICICI BankCourses Approved: For pursuing Graduate/Post-Graduate, Management/Job-oriented courses, Professional Courses of recognised Universities / reputed Institutes, Computer courses conducted by NIIT, APTECH, CMC, C-DAC with duration of one year and more.

Eligibility: Should have consistent good academic record in previous examinations with marks over 60 % in 10th.& 12th or first grade in other cases.

Amount of Loan: In India Rs. 7.5 Lakhs and for Study Abroad Rs. 15 lakhs.

Interest Rate: For upto Rs. 4 lakhs the interest rate is PLR and above Rs. 4 lakhs the interest rate is PLR + 1%.

*These informations may not be perfect and may change with time to time. You are requested to consult with the respective Bank.
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