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Punjab Bank
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Since the rules, regulations, eligibility conditions, repayments and interests rates etc are revised by the banks from time to time. students and parents are advised to check thoroughly the terms and conditions of educational loan scheme of respective bank on offer at the time of application.

Punjab National Bank


Vidya Lakshyapurti Education Loan Scheme

Purpose :

PNB's Education Loan Scheme is designed to provide better educational opportunities to bright and needy students and brings within their reach all types of education (general, professional, technical and vocational courses).

The scheme enables all types of needy students of plus 2 stage, graduation courses, post graduation courses, Masters & PhDs, professional, technical , engineering, medical, veterinary, law, dental, management, computer, vocational courses, courses like ICWA,CA,CFA, courses conducted by IIMS,IIT,IISc,NIFT, courses offered in India by reputed foreign universities and all other types of courses offered by Govt./Semi-Govt/private institutions in order to meet the costs for their studies in India and abroad.

Such courses would include regular, part time and correspondence courses. The costs include admission fees, books & stationery, instruments required for the course, monthly fees, examination fees, insurance premium for policy on life of the borrowing student, caution deposit/building fund/refundable deposit supported by bills/receipts, expenses like study tours/project work/thesis etc.

Eligibility :

1) Indian nationals, in the age group of 16-40 years. For part time computer courses, applicants in the age group of 16-45 years are eligible. Applicants, whose guardians have been appointed by the court, should not be less than 21 years; such students should have already passed at least one public examination.

2) Students who have scored pass marks in their last qualifying examination and have secured admission in the courses mentioned above.

3) The parents/guardian should have regular source of income to the extent that they are able to repay the loan in case of need/unforeseen circumstances. There is no stipulation of ceiling on annual income of the parents/guardians.

4) Employed persons intending to better their prospects can also avail loan for improving their educational qualifications and/or receive training in modern technology in India / abroad provided the education/training received by them in India/abroad affords prospects for their better employment. For such persons, 'NO OBJECTION CERTIFICATE' from their employers is a pre-requisite.

Amount of Loan :

This is co-related to expenses involved in taking up the course and the expected earnings after qualifying, subject to a maximum of……..

For studies in India :             Rs. 7.50 lacs,

For studies abroad :               Rs.15.00 lacs.



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