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 Date : 5/28/2018 
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Corp Vidya- Education Loan Scheme

Student Eligibility
Applicant should be an Indian National.
Should have completed previous qualifying exam.
Secured admission to professional/ technical courses through Entrance test/ Selection process.
Secured admission to Foreign University / Institutions.

Eligible courses
A. Studies in India
  Graduation courses : BA, B Com, B Sc.,etc.
  Post Graduation courses : Masters & Phd
  Professional courses : Engineering, Medical, Agriculture, Veterinary, Law, Dental, Management, Computer, etc.
  Courses like ICWA, CA, CFA, etc.
  Courses conducted by IIM, IIT, IISc, XLRI, NIFT, etc.
  Other courses leading to diploma / degree etc., conducted by colleges/ universities approved by UGC/ Govt/ AICTE/ AIBMS etc.
B. Studies abroad
  Graduation : For job oriented professional/ technical courses offered by reputed universities
  Post graduation : MCA, MBA, MS etc.
  Courses conducted by CIMA - London, CPA in USA etc.


Expenses Eligible for Finance
Fee payable to College/ School/ Hostel , Purchase of books/ equipment/ instruments/ uniforms, Caution deposit/ Refundable deposit supported by bills/receipts, Travel expenses/ Passage money for studies abroad.
Any other expense required to complete the course - like study tours, project work, thesis etc.

Quantum of Finance
  Need based finance subject to repaying capacity of the parents/ student with following ceilings:
  Studies in India - Rs 7.50 lakh
  Studies abroad - Rs 15.00 lakh

Upto Rs 4.00 lakh -                                              NIL
Above Rs 4.00 lakh-                               Studies in India - 5 %
                                                             Studies abroad -15 %

Upto Rs 4.00 lakh -         No security
Above Rs 4.00 lakh -Collaterals of approved securities valued at
    100 % of the loan amount OR guarantee of third person acceptable to the bank with net worth not less than 100 % of the loan amount

 Rate of Interest
Upto Rs 4.00 lakh - 11.00 % p.a.
Above Rs 4.00 lakh - 10.50 % p.a.

Repayment Holiday
  Course period + one year or 6 months after getting job, whichever is earlier.

  The loan to be repaid in 5 - 7 years after commencement of repayment

Since the rules, regulations, eligibility conditions, repayments and interests rates etc. are revised by the banks from time to time in keeping pace with the changing capital market conditions, students and parents are advised to thoroughly check the terms and conditions of educational loan scheme on offer at the time of application.

Head Office
Mangaladevi Temple Road, Pandeshwar
Mangalore - 575 001
Gen: 0824-426416-20, Fax: 0824-441208(D), 425213


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