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Home Education Education Loans

RBI Asks Commercial Banks to adopt Education Loan Scheme

India CSR by India CSR
June 24, 2019
in Education Loans
Reading Time: 2 mins read
India CSR
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MUMBAI (India CSR): The Reserve Bank of India (RBI) has advised all Scheduled Commercial Banks to adopt the Education Loan Scheme, formulated by the Indian Banks’ Association (IBA), vide Circular RPCD.PLNFS. BC. NO.83/06.12.05/2000-01 dated April 28, 2001.

Govt informed that IBA has formulated and circulated to all Member Banks including the State Bank of India (SBI) a ‘Model Education Loan Scheme’ for providing financial support to meritorious students for pursuing higher education in India and abroad.

Salient features of the Scheme inter-alia include:

  • Loan up to Rs 10 lakh for study in India and up to Rs 20 lakh for study abroad.
  • Collateral-free loans up to Rs 7.5 Lakh under the Credit Guarantee Fund Scheme for Education Loans (CGFSEL).
  • No Margin for loans up to Rs 7.50Lakh.
  • Repayment period of 15 years
  • One One-year moratorium for repayment after completion of studies in all cases,
  • Moratorium taking into account spells of unemployment/under-employment say two or three times during the life cycle of the loan
  • The moratorium for the incubation period if the student wants to take up a start-up venture after graduation.

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