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23 february 2024 current affairs in hindi

23 february 2024 current affairs in hindi

यहां प्रमुख एग्जाम की तैयारी के लिए 23 feb के current affairs today in hindi की महत्वपूर्ण जानकारी दी जा रही है। जिसके माध्यम से आप अपनी एग्जाम की तैयारी के लिए डेली करंट अफेयर्स के बारे में जान सकते हैं|

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‘भारतीय आवास परियोजना’ के अंतर्गत कहाँ 1,300 घरों के निर्माण का औपचारिक शुभारंभ हुआ है?

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आगामी लोकसभा चुनाव के लिए पंजाब के ‘स्टेट आइकॉन’ कौन बने है?

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‘हिमालयन बास्केट’ किस राज्य में लॉन्च किया गया है?

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फ्रांस के सर्वोच्च नागरिक सम्मान ‘शेवेलियर डे ला लीजन डी होनूर’ से किस भारतीय को सम्मानित किया गया है?

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उत्तर प्रदेश में 'अंतर्राष्ट्रीय पर्यटन एक्सपो' का आयोजन कहां किया जा रहा है?

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how to take education loan

Education Loan Eligibility

Education loans, sometimes known as student loans, are advances made to students by banks or other financial institutions to help cover the costs of their higher education. High-achieving students are provided financial aid to attend universities in India and abroad under this unique loan program. To qualified applicants, many Indian banks offer these loans at cheap interest rates with flexible terms and conditions. In order for students to get their loan money as soon as possible, the documentation process is also kept to a minimum.

The vital education loan eligibility criteria that the candidates need to fulfil to get approval for the loan are listed here:

  • The candidate applying for the loan must be a resident of India.
  • He/she must have confirmed admission to recognised educational institutes in India or abroad.
  • The age of the candidate must fall within the bracket of 18 to 35 years during loan application.
  • He/she must be undergoing a graduate/postgraduate degree or a PG diploma.
  • The applicant should have secured admission to a college or university affiliated with University Grants Commission (UGC)/All India Council for Technical Education (AICTE)/Govt. etc.
  • Students pursuing full-time courses need to have a co-applicant who can be either a parent/guardian or spouse/parent-in-law (in the case of married candidates).
  • The co-applicant must have a regular income source.
  • A strong academic record facilitates speedy loan approval.    

Education Loan Eligibility Tabular Representation

AgeMinimum- 18 years Maximum- 35 years
Academic recordProven- good
QualificationPursuing graduate/postgraduate degree or a PG diploma.
Income sourceParents/Guardians
University Applied toRecognised – In India/Abroad
Admission StatusConfirmed
SecurityTangible collateral or guarantor- depending on the loan amount and income source.
Minimum Interest Rate8.30% p.a.

Education Loan Documentation Required Documents 

Here are the mandatory documents that a student needs to provide to the banks while applying for a student loan:

  • Duly filled in and signed application form with affixed photographs
  • Two photographs 
  • 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 Licence

Identity proof

  • Copy of Voter ID 
  • Aadhaar Card 
  • Driving Licence 
  • 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 
  • Six months bank statement of the borrower or updated passbook of the bank 
  • Updated ITR (Income Tax Return with income computation) of two 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 

What Will Improve Your Eligibility for an Education loan?

To ensure that students receive financial aid, banks are vigilant while evaluating a candidate’s eligibility. The general academic standing of the applicants, their intended course of study, and their present admission status are taken into account before authorizing a loan.

  • Scoring high grades/ranking in the qualifying exams
  • Displaying good academic record
  • Getting admission to a reputed/top-tier institute or university
  • Strong financial background of parents/guardians/co-borrower
  • Displaying good prospects for future employment/income generation

How to Know Your Eligibility for an Education Loan?

Before applying, you can determine whether you qualify for an education loan from one of the major banks. You can find out if you qualify by conducting an online check on the BankBazaar website. All you need to do is provide basic, essential background information to BankBazaar in order to be eligible for an educational loan. Based on this information, results for approved school loan offers are presented in an easy-to-compare manner. Afterwards, you may submit an online application for the enticing offer and benefit from special discounts provided by BankBazaar as a result of affiliations with partner institutions.

Procedure to Check Eligibility

Follow the steps mentioned below to check your eligibility for an education loan:

Step 1: Visit the official website of BankBazaar.

Step 2: Go to the ‘Loan’ section and click on ‘Education Loan’ from the dropdown menu.

Step 3: Click on ‘Education Loan Eligibility’

Step 4: Based on your particulars, the site will then show you suitable loan offers from their bank partners.

Step 5: You can choose the most advantageous offer from the given options and then apply for the same through the BankBazaar portal.