Foreign Education ke liye Best Education Loan Providers in India

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Foreign Education ke liye Best Education Loan Providers in India

Bhut se student ka ek dream hota hai ki vahe bhar dusari country me jake padhai kare lekin yadi koi student kisi achii country me jake kisi university me padhai kare toh bhut kharcha ata hai isliye bhut se student ka yah dream pura nhi hota .lekin aaj bhut se bank Foreign Education ke liye loan provide karte hai kyoki pichle kuch years se india se bhut se student Foreign country ke andar Education ke liye gye hai aur din bhar jyada se jyada student bhar ja rahe .

Isliye aaj hme iss artical me kuch achee education provider ke bare me btayenge kyoki aaj bhut se banks education loan provide karte hai kuch low interest pe loan provide karte hai lekin kuch bhut high interest pe loan provide karte hai hme yanha kuch low interest loan provider ke bare me btayenge. aur apko btayenge ki education loan ke kya kya benifit hai. aur kisi bhi bank se education loan lete time me kya kya dekhna chahiye aur kya kya document ki jarurat padti hai.

Features of Education Loans

  •  Koi bhi individual person jiski age 18  se 35 years hai vahe kisi bhi approved university abroad me education ke liye loan le sakta hai.
  • Student kisi bhi course ke liye jaise;management courses, engineering courses, medicine, and graduate and post graduate degrees, arts, architecture, pure science, hotel management, etc.ke liye loan le sakta hai.
  • Loan ke andar bhut education expenses coverege milti hai jaise; tuition fees, exam fees, lab and library fees, caution deposit, travel, books and equipment, projects and study tours.
  • Foreign studies ke liye gye loan pe 5% to 15% margin dena padta hai.
  • Moratorium period me student ko interest, pay karna padta hai
  • Banks maximum Rs. 20 lakhs moratorium period ke sath provide karta hai aur bina moratorium period maximum Rs. 10 lakhs provide karte hai.
  • Rs. 4 lakhs tak ke loan ke liye koi security nhi lagti hai lekin yadi Rs. 4 lakhs se Rs. 7.5 lakhs tak ke liye security ki jarurat padti hai.

Top education loans providers in India

State Bank of India (SBI)

State Bank of India india ka sabse bada public sector bank hai aur yah bank Indian students jo higher education ke liye foreign country me jana chahte hai unko education loan provide karta hai. yah bank job-oriented technical and professional graduate and post-graduate degree courses like MBA, MCA, MS, etc ke liye loan provide karta hai State Bank of India education loan me bhut si expense ke liye coverge deta hai jaise;  tuition fees, Examination, Laboratory and Library fees, caution deposit, cost of books and equipment, travel costs and other necessary expenses etc.

Aur loan ke liye maximum amount Rs. 30 lakhs,hai aur isme 15% margin hota hai State Bank of India se 15 years ke liye loan liya ja sakta hai aur 2% interest rate pe loan milta hai.

HDFC Bank

HDFC bank bhi india ka ek bhut bada private sector bank hai HDFC Bank  flexible repayment tenures education loans provide karta hai yah bank 950 courses ke liye 36 countries me loan provide karta hai  HDFC Bank  without margin ke 100% education loan provide karta hai aur 15 se 35 years tak ka koi bhi person education loan le sakta hai

Aur HDFC  bank education loan me processing fees charged loan amount ka 1.5% hai isliye yah ek best education provider hai aur low interest ke sath achaa loan provide karta hai.

 Axis Bank

Axis Bank bhi ek private sector bank hai aur yah competitive interest rates pe Indian students ko education loan provide karta hai yah bank technical or professional courses, career-oriented courses, etc ke liye loan provide kata hai aur yadi koi bhi student dusri country me jake study karna chahta hai toh uske liye bhi loan provide kiya jata hai  Axis Bank maximum loan Rs. 20 lakhs provide karta hai jiske andar bhut se kharche ke liye coverage milti hai jaise; hostel fees, tuition fees, book costs, etc.

Rs. 50,000  tak ki minimum loan amount ke liye koi margin nhi hai lekin yadi 4 lakh se uper ki amount ka loan lete hai toh margin dena padta hai aur women applicants bhut se achee achee offer milte hai woman applicants ke liye 16.50% se 17.50% rates ke hisab se loan provide kiya jata hai.isliye yadi koi bhi student kisi dusari country me jake study karna chahta hai toh loan ke liye apply kar sakta hai.

Punjab National Bank

Punjab National Bank ek public sector bank hai aur yah bank bhi bhut hi achee interest pe loan provide karta hai  “PNB Udaan” education loan scheme ke under koi bhi student study ke liye loan le sakta hai yah bank post-graduate courses. Diplomas, job-oriented professional and technical courses, CIMA/CPA courses, etc. course ke liye loan provide karta hai.aur PNB education loan ke under bhut si expenses ke liye coverage milti hai

jaise; university fees, travel, exam fees, lab fees, library fees, book/equipment fees and other related expenses.
Punjab National Bank education loan Rs. 4 lakhs tak ke loan ke liye koi bhi margin nhi lagta hai aur PNB  world ki 200 se jyada universities me studey ke liye loan provide karta hai.

Canara Bank

Canara Bank bhi ek achaa education loan provider hai yah bank expanses ki wide range coverage ke sath with aur without margin ke sath loan provide karta hai yah bank professional and technical courses, graduate and post-graduate courses sabhi course ke liye loan provide karta hai Canara Bank education loan university fees, travel, exam fees, lab fees, library fees, book/equipment fees and other related expenses ko covers karta hai.
Canara Bank education Rs. 4 lakh tak koi margin nhi leta hai lekin Rs. 4 lakh above ke liye 15% margin requirement hota hai aur third party guarantee ke sath maximum Rs. 7 lakh tak ka loan liya ja sakta hai.

Bank of Baroda

“Baroda Scholar” scheme bhi student ko education ke liye loan provide karta hai yah bank bhut si reputed foreign universities me education ke liye loan provide karta hai yah bank with margin Rs. 20 lakh tak ka loan provide karta hai aur ek best loan provider hai.

IDBI Bank

IDBI Bank bhi ek private sector bank hai aur IDBI Bank bhi Foreign country me education ke liye loan provide karta hai yah bank bhut si reputed foreign universities me professional and technical graduate courses, post-graduation courses, diploma, and CPA/CIMA courses ke liye loan provide karta hai IDBI Bank education loan me covers university fees, travel, exam fees, lab fees, library fees, cost of computers, book/equipment fees and other related expenses ke liye coverage milti hai hai aur maximum loan amount Rs. 20 lakh hai.

Avanse Financial Services

Avanse Financial Services bhi education loan provide karti hai iske under me world ki 1600 foreign universities ati hai aur yah company  Avanse offers pre-visa disbursement loans, fast-track loans, pre-admission loans and certificate of availability of funds provide karti hai Avanse Financial Services graduate and post graduate courses ke liye loan provide karta hai Avanse education loan me tuition fees, travel, living expenses, books /equipment fees and other related expenses ke liye coverage milti hai.isme margin required nhi hai aur koi bhi student loan le sakta hai.

Education Loan Eligibility Details In Hindi

Education Loan Eligibility
Particulars Eligibility
Nationality Indian
Age Minimum- 18 years
Maximum- 35 years
Academic record Proven- good
Qualification Pursuing graduate/postgraduate degree or a PG diploma.
Income source Parents/Guardians
Income Stable
University Applied to Recognised – In India/Abroad
Admission Status Confirmed
Security Tangible collateral or guarantor- depending on the loan amount and income source.

Education Loan Documentation

Required Documents

  • Duly filled and signed application form with affixed photographs
  • 2 photographs of passport size
  • Copy of exam mark sheets of 10th/12th or latest education certificate
  • Statement of course expenses/cost of study
  • Aadhaar Card and Pan Card of the student and Parent/ Guardian

Age proof

  • Copy of Aadhaar Card /Voter ID/Passport/Driving License

Identity proof

  • Copy of Voter ID/Aadhaar Card/Driving License/Passport

Residence proof

  • Rental agreement/Bank statement of 6 months of the student or co-borrower/guarantor/Copy of Ration card/Gas Book/Electricity Bill/Tel Bill

Income proof

  • Most recent salary slips or Form 16 of the parent/ guardian/co-borrower
  • 6 months bank statement of the borrower or updated passbook of bank
  • Updated ITR (Income Tax Return with income computation) of 2 years or IT assessment order of last 2 years of parent/co-borrower/guardian
  • Documents stating the assets and liabilities of the parent/co-borrower/guardian

Toh aap iss trah se bank se education loan le sakte hai apne dream pure kar sakte hai .umeed hai hmare dewara provide ki gyi jankari apke kaam ayegi aur jankari achii lage toh apne dosto ko bhi share comment kare.

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