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Found 10 results

  1. T.Edwin Eranius

    education loan

    Hello,if I study any professional course in aborad what are the facilities given by govt.My father is an ex-service man ,consider on these basis also
  2. Hello, I am a Software Engineer working in small IT sector, I got education loan for my BE studies. I belong to SC caste. Bank manager said that I have to pay interest for my loan. I said that sir Central govt ordered to cut interest then why are you asking interest. He said that till now we haven't got any conformation. so that I need help Please send me some proof documents that interest free for education loan.
  3. Hello, My name is Anup S nair I have a question which is related to y education loan, i have a education loan from SBI, i herd government has introduced a new rule according to which interest on educational loans has been waved and only the principle amount has to be paid, is that true? And can i pay my loan from any bank branches even if it out of Delhi? i asked several bank managers but every second person is giving me a different answer hence i joined this forum, please help me and guide me.
  4. Hi all. I took an education loan in 2007 in a nationalised bank. Recently, I was not able to pay the EMIs regularly due to family circumstances and it is now in NPA category. My father's friend is willing to pay off the loan as One Time Settlement. So we approached the bank for it but the bank is not ready to waive the interest off to even a particular extent, considering our situation. What we heard from other bank manager is, a bank manager has the privileges to waive off a good sum in terms of one time settlement of education loan. What should I do now? We are planning to raise the concern to Regional Office. I am not willing to lose the opportunity as the good hearted friend of my father is willing to settle my loan and is ready to get it back from me without any interest. Kindly suggest me a solution people!
  5. kan_karma

    Education loan

    Dear freind, recently i have taken admission in mba ist year through madhya pradesh management entrance exam. When i went to state bank of india, indore gpo branch the loan officer said to me that you have less percentage in 10th and so you don't have eligibility for geting loan. Before 15-20 days there was an order of high court stating that those persons who have less percentile in there academics should also be given education loan. After knowing this i again went to bank and asked to them about the same. But still they are saying same thing. Freinds i want to know that what are the criteria of education loan. When we go personly bank officer don't response positively and therefore i want to use rti. Please help me what should i do.
  6. Khushbusrivastava

    SBI Education Loan

    Hi, I have a foreign education loan of 11 lacs from SBI, Delhi. I started my repayment in Jan 2009 from USA. I got back to India in 2010 and called my home branch to ask for my installments. By then, i had already paid 50% of my loan amount, so they said that there is no restriction and you can keep paying whenever and whatever amount you have like 10-20 k. I kept paying off my EMIs. Now, suddenly, day before yesterday, my Dad gets a call from SBI that I have an arrears of 81K and they will be giving it for recovery if not paid immediately. Facts: 1) I had long discussion with SBI Tikrikalan Branch Manager, who, by the way, is not even the branch from where i borrowed but he's managing my account with ABSOLUTELY NO DOCUMENTS. 2) He told me that the Rate of Interest on my account is SBAR of 14.5% (which was applicable in 2007) but RBI introduced a base rate system in 2009 for which I got NO COMMUNICATION for renewal. In fact, in past 5 years, I have got zero communication from SBI except for the sudden recovery call. 3) After a long discussion, the manager realized that what he has in account as my EMI is 27k something which is WRONG. The calculation shows that it should be either 24468 or may be less. My Question: Am i liable to pay the arrears, which is calculated based on a wrong EMI?? And Shouldn't they have informed me about the RBI regulation changes in 2009, so that I had a choice to opt out or renew?? Looking for some guidance, please help! Thanks!
  7. Dear Members, I am lady student pursuing my Masters in Engineering from an AICTE and Pune university affiliated institute in Pune. I had applied for education loan from SBI at my native place before one and half months. After discussion with the bank officer we made my father-in-law as co-applicant (he is a govt. servant) as my husband has started a business recently so collecting all income proofs would have been a problem. We had also provided a guarantor with all necessary documents. However after a month the application was returned from District headquarter of the bank stating that 'Father-in-law as a co-applicant is not valid'. Due to delay in their reply, we missed the opportunities to apply any other bank. Please let me know 1. if there is any such rule/norms/Guidelines, can can I file RTI in this matter. 2. If yes, then can any action be taken against the bank office who accepted our application. 3. Can we held them accountable for delay in replying as Education has to be treated on priority. Kindly help me in framing a RTI for above at earliest as every passing day is precious and I might not be able to apply anywhere if this gets delayed. I look forward for your reply.
  8. Hi all of view, I went to SBI branch,which is located in kota(Rajasthan) for education loan of my cousine who got admission in an institute for MBA course which is recognized by M.D University,Rhotak,Haryana(UGC Recognized).SBI Branch Manager rejected this request saying that Institute for MBA course is not recognized by AICTE.As per rule of Indian Bank Association,Diploma/degree course should recognize from any body such as UGC/GOVT/AICTE etc.What should i do regarding this issue?Please help me out
  9. Even though education loan subsidy implementation has been finalized on june 24,2010 by ministry of education with iba...,yet there is no orders given at lower level implementation. Bank manager is denying to recieve any orders or to give any information regarding it. what can i do or from where can i get information how and by when this scheme will be made operational?
  10. gunasat09

    RTI on Loans

    Hi Team, Can i get details of Persons who are availed Education Loan and on what basis officials approved loans in Canara Bank through RTI? Thank You, Guna.
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