How overseas study is actually funded, and the two decisions that change what it costs you.
Public sector banks and non-banking lenders · Overseas
இந்த விவரங்கள் தற்போது ஆங்கிலத்தில் உள்ளன. மொழிபெயர்ப்பு நடந்து வருகிறது.
இப்போது திறந்திருக்கிறது, முடிவுத் தேதி அறிவிக்கப்படவில்லை
Applied for after admission, usually against a confirmed offer letter and fee schedule.
இது ஏன் முக்கியம்
This is where the largest sums and the worst advice meet. Agents earn from lender referrals, so the loan you are steered toward is not always the cheapest one available to you.
இதில் என்ன அடங்கும்
tuition, living costs, travel, visa fees. எந்த நிலைகளுக்கு: undergraduate, postgraduate.
நிபந்தனைகள்
Public sector banks lend collateral-free only up to Rs 7.5 lakh under CGFSEL, and require security above that
Some banks run premier-institution lists allowing much larger collateral-free loans for specific universities
Non-banking lenders lend larger amounts without collateral, at higher interest
Neither PM Vidyalaxmi nor CSIS covers overseas study
யார் விண்ணப்பிக்கலாம்
நீங்கள் இந்தியா குடிமகனாக இருக்க வேண்டும்
விண்ணப்பங்கள் எங்கே தோல்வியடைகின்றன
நிராகரிக்கப்படும் பெரும்பாலான விண்ணப்பங்கள் தகுதியற்றவர்களுடையவை அல்ல. ஒரு படி தவறவிட்ட தகுதியுள்ளவர்களுடையவை.
Send money through the education loan, not as a personal transfer. Tax is collected at source on foreign remittances, and remittances funded by an education loan from a financial institution are treated far more favourably than transfers from your own funds.
Section 80E lets you deduct all interest paid, but only on a loan from a financial institution recognised for this purpose. Loans from unregistered lenders may not qualify, and nobody checks this for you.
Check whether your university appears on your bank's premier institution list before assuming collateral is unavoidable. That check belongs at the start of loan planning, not after you have pledged property.
Non-banking lenders approve faster and lend more without security, at a materially higher rate. Over a ten-year repayment that gap is large, and the convenience is expensive.
A tax collected at source is an advance tax, not a cost. It can be set against your liability or refunded when returns are filed, so it should not be treated as money lost.
இது உங்களுக்கு இல்லை என்றால்
ஒரு திட்டத்தில் தகுதி இல்லை என்பது வழியே இல்லை என்பதல்ல. இன்னும் என்ன திறந்திருக்கிறது என்பது இங்கே.
No collateral and no premier-list university? Non-banking lenders will lend larger amounts unsecured at a higher rate. Expensive, but it is not a closed door.
Need more than the bank will give unsecured? Ask about CGFSEL by name — it can extend collateral-free cover that branches do not volunteer.
Category-eligible? The Ambedkar overseas scheme and several state overseas schemes fund foreign study where the central loan schemes do not.
பதிவு நிலை: needs_verification.
கடைசியாகச் சரிபார்த்தது: இன்னும் இல்லை.
Remittance and deduction rules change with each finance act. Confirm current rates with a chartered accountant before relying on them.
ஆதாரம்: https://www.vidyalakshmi.co.in/