ఐబీఏ మోడల్ విద్యా రుణ పథకం

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

ఇండియన్ బ్యాంక్స్ అసోసియేషన్ · India and overseas

ఈ వివరాలు ప్రస్తుతం ఆంగ్లంలో ఉన్నాయి. అనువాదం కొనసాగుతోంది.

ఇప్పుడు తెరిచి ఉంది, ముగింపు తేదీ ప్రకటించలేదు

The common rulebook every public sector bank follows. You apply at a branch or through Vidya Lakshmi.

ఇది ఎందుకు ముఖ్యం

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.

tuition, hostel, examination fees, books, equipment, travel. ఏ స్థాయిలకు: undergraduate, postgraduate, phd.

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

తిరస్కరించబడిన చాలా దరఖాస్తులు అనర్హుల వి కావు. అవి ఒక్క అడుగు తప్పిపోయిన అర్హుల వి.

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.

నమోదు స్థితి: needs_verification. చివరిసారి పరిశీలించినది: ఇంకా లేదు. తేదీలు, మొత్తాలు ధ్రువీకరణ తర్వాతే చూపిస్తాము. మూలం: https://www.iba.org.in/