EDUCATION

Loans Without Collaterals for Bright Students

Students with financial difficulties who want to study now have an easier option. The Indian Banks Association has set a committee headed by TM Bhasin, Chairman and Managing Director of Indian Bank. As per the committee, the structure of educational loan needs to undergo a change. The committee will be sending its recommendations to the Reserve Bank of India and the Centre.

The list of recommendations includes a demand to provide an uncollateralised loan to students based on merit. Cut-off marks will be decided upon for such loans. Students’ employment potential and repayment capabilities will also be considered before granting loans. Currently, students applying for an educational loan below Rs.4 lakh are free from the burden of collaterals. This amount is soon likely to be increased.

Volume 1 Issue 1

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