आईबीए आदर्श शिक्षा ऋण योजना

The standard terms all public sector banks follow, defining what they may and may not ask of you.

भारतीय बैंक संघ · India and overseas

यह विवरण अभी अंग्रेज़ी में है। अनुवाद जारी है।

यह क्यों मायने रखता है

Knowing the model scheme is what lets you push back. If a branch asks for collateral on a Rs 3 lakh loan, the model scheme says they should not.

इसमें क्या शामिल है

tuition, hostel, examination fees, books, equipment, travel. किन स्तरों के लिए: undergraduate, postgraduate, phd.

शर्तें

• No collateral, no margin money and no third-party guarantee on loans up to Rs 4 lakh
• Both parents normally required as co-borrowers
• Moratorium of the course period plus one year
• Interest accrues during the moratorium unless a subsidy scheme covers it
• Covers tuition, hostel, examination and library fees, books, equipment and travel for overseas study

कौन आवेदन कर सकता है

• आपको भारत का नागरिक होना चाहिए

आवेदन कहाँ विफल होते हैं

ज़्यादातर अस्वीकृत आवेदन अपात्र छात्रों के नहीं होते। वे पात्र छात्रों के होते हैं जिनसे कोई एक क़दम छूट गया।

• Interest builds during the moratorium even though you are not paying anything. A loan taken in year one is larger by graduation than the amount sanctioned.
• Paying even the simple interest during study, where you can, cuts the final debt substantially. Most banks offer a concession for doing so and few mention it.
• The sanction is not the disbursement. Money is released to the institution semester by semester, and a delayed release can mean a late fee at your college.
• A poor credit record for either parent can sink the application, and neither of them is the student.

प्रविष्टि की स्थिति: needs_verification. आख़िरी बार जाँचा गया: अभी नहीं. तारीख़ें और राशि पुष्टि के बाद ही दिखाई जाती हैं। स्रोत: https://www.iba.org.in/

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