Eligibility:

The student should be an Indian National.

Age :

Not Applicable

Maximum Amount of Finance :

Rs.75.00Lakh (Depending upon Course & Place of Study)

Margin :

Loan Amount
	Minimum Margin for Study in India	Minimum Margin for Study Abroad
For loan up to Rs. 4.00 Lakh	NIL	NIL
Above Rs. 4.00 Lakhs and up to Rs. 7.50 Lakhs	5%	15%
Above Rs. 7.50 Lakhs	15%	15%

Features :

Concession of 0.25% to 0.50% depending upon collateral security coverage.

Repayment period of 10Years for loans upto Rs.7.5Lakh and 15Years for laon above Rs.7.5Lakh.

No security & processing fee for loan amount upto Rs.4.00Lakh.

Concessional Rate of Interest for Female Students.

Processing & Other Charges :

As per banks' Service Charges Booklet

Processing Charges:

Loan Amount	Applicable Charges
Up to Rs.4.00 lakh	Nil
From Rs.4.00 Lakh to Rs.7.50 Lakh	1.00% in addition to documentation charges.
From Rs.7.50 Lakh to Rs.10.00 Lakh	0.50% in addition to documentation charges.
Above Rs.10.00 Lakh	0.50% in addition to documentation charges.

Documentation Charges:

Loan Amount	Applicable Charges
Up to Rs.25000/-	Nil
Above Rs.25000/- to Rs.2.00 Lakh	Rs.500/-
Above Rs.2.00 Lakh to Rs.5.00 Lakh	Rs.1000/-
Above Rs.5.00 Lakh to Rs.25.00 Lakh	Rs.4000/-
Above Rs.25 Lakh to Rs.50.00 Lakh	Rs.6000/-
Above Rs.50.00 Lakh to Rs.75.00 Lakh	Rs.8000/-

EDUCATION LOAN GYANI : Floating Rate of Interest

	For Term Loan (floating)
For Male Students
Up to 7.50 Lakh	NRLLR+2.00
Above 7.50 Lakh	NRLLR+1.75
For Female Students
Up to 7.50 Lakh	NRLLR+1.50
Above 7.50 Lakh	NRLLR+1.25

EDUCATION LOAN GYANI : FIXED ROI

	For Term Loan (fixed)
For Male Students
Up to 7.50 Lakh	NRLLR+4.00
Above 7.50 Lakh	NRLLR+3.75
For Female Students
Up to 7.50 Lakh	NRLLR+3.50
Above 7.50 Lakh	NRLLR+3.25

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