If you want to make a career in interesting and rapid emerging fields like Forensic Science, but worry of fees and expenses is stopping you, do not panic. Most banks and financial institutions in India are now facilitating education loans for professional courses like Forensic Science. Students studying in this field can easily get loans ranging from Rs 4 lakh to Rs 20 lakh, that too on very simple conditions.

What is forensic science?

Forensic science is a scientific field associated with investigation of crimes. In this, things of the crime sites like blood, fingerprint, DNA, weapons, electronic devices etc. are helped to reach the culprit. After this course, students can get jobs in police, investigative agencies, court, lab and private sector.

How much can you get education loan?

The education loan amount for studies in forensic science depends on many things like which university you have taken admission, how much is the course fee, you are studying in the country or abroad. Some banks also offer more money based on the merit of the student and the reputation of the institute. Large banks like SBI, HDFC, ICICI, Axis Bank and Bank of Baroda provide facilities for education loans.

For studies in India: Loans of 4 lakh to 10 lakh can be easily available.
For studies abroad: A loan of 20 lakh or more can also be found.

What things do the loan amount get?

• College fees
• Hostel expenses
• Books and stationery
• Lab fees
• Examination fees
• Travel expenses (for studies abroad)

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What is eligibility?

• There should be admission in a recognized institute in India or abroad
• Admission should be based on merit or entrance test
• Course should be professional or technical

Paying period and process

Most banks start repaying the loan after 6 months of completion of studies or after getting a job. The duration of loan repayment can range from 5 to 15 years. The student has to apply for the first loan. For this, documents like college admission letter, course fee structure, Aadhaar card, PAN card, marksheets, guarant’s details and income certificates are necessary.

Also read- How much can you get education loan for BDS? Know the important things for students

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If you are dreaming of studying BDS (Bachelor of Dental Surgery), but due to money, you can become a big support for you. In today’s time, both government and private banks are providing education loans for medical, dental and other professional courses. In such a situation, let us know how much education loan can be found for BDS course and what is its process.

How much is education loan?

Banks usually provide education loans up to Rs 10 lakh for studies in India and up to Rs 20 lakh for studies abroad. Although some banks also provide more money than this, but it may require guarantee or collateral (land, houses etc.).

Dental courses like BDS usually range from 1.5 to 6 lakh rupees annually. In such a situation, the total expenditure for four to five years course can reach 6 to 25 lakh rupees. Banks can cover this entire expenditure, including tuition fees, hostel expenses, books, lab fees, uniforms and other necessary expenses.

Which banks give loans?

Apart from government banks like SBI, Bank of Baroda, Punjab National Bank, Union Bank, private banks like ICICI, AXIS, HDFC and many non-banking finance companies (NBFC) also provide education loans.

What are the necessary documents?

• Admission letter received from college
• Marksheet of last exam
• Aadhar card, PAN card
• Fee structure
• Income proof (of guarantor)
• Passport Size Photo
• Bank account statement

When and how to repay the loan?

After taking education loan, the bank gives you the time of 6 months to 1 year after the course is over, which is called a moretorium period. During this time you do not have to pay the installment. After this, one has to start repaying the loan in the form of EMI, which can be duration from 5 to 15 years.

What is interest rate?

The interest rate depends on the bank and your profile. The interest rate in public sector can be between 8% to 10%, while in private banks and NBFC this rate may be slightly higher.

You can also take advantage of government scheme

The government has given the facility to students to inform and apply for the loan schemes of various banks through Vidya Laxmi Portal. Apart from this, interest exemption is also available in some states for female students or financially weaker sections.

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If you want to enroll in professional courses like BSC Computer Science but are worried about filling the fees, then you do not need to panic. Nowadays education loan has become an easy option from which millions of students are completing their dreams. The special thing is that banks and NBFC companies are now giving good loans for graduation courses like BSC.

BSC Computer Science is a three-year undergraduate course, which can vary according to the college. If you enroll in a private university, then the annual fees can be from about 1 lakh to 2.5 lakh rupees. That is, the total cost of the entire course can be between about 3 to 7 lakh rupees.

Banks usually give loans ranging from 4 lakh to 10 lakh rupees for courses like BSC. If you enroll in a top university or government institution (eg DU, BHU, or IISC), then the possibility of loan approval is even more.

What costs the loan covers?

Hostel fees
Books and study materials
Laptop/Computer (if necessary)
Exam fees and lab charges
Travel expenses (if college is in another city)

How is EMI and repair?

The best thing in education loan is that its EMI course starts only after completion. That is, as long as you are studying, only interest has to be paid or in some cases it does not have to be given. The loan EMI starts from 6 months or 1 year after completion of studies.

Suppose you have taken a loan of 6 lakh rupees and the interest rate is 9%. So in a period of 7 years your monthly EMI will be around Rs 9,600. However, the amount of EMI depends on your total loan, interest and period of repayment.

What documents are required?

College admission letter
Fee structure
Previous academic certificate
Aadhar card, PAN card
Parents/Guardian income proof

How to apply?

Now it has become very easy to apply for education loan. If you want, you can apply online by going directly to the bank branch or on their website. Also, many colleges themselves help the students to get loans by tying up from the bank.

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Medical studies in India are as honorable, as much as expensive. Especially when it comes to MD i.e. post graduate medical course, college fees are in millions. In such a situation, it is not easy for every student to bear such a big expense. But there is not a matter of concern, because nowadays banks and financial institutions provide education loan to medical students for education. Let us know how much loan can be found for MD’s studies, how its EMI is formed, and what is the easy way to repay the installment.

How much amount can you get education loan?

Medical students can usually get education loans from 20 lakh to 50 lakhs. Some banks also offer loans up to 75 lakh or more for studying abroad. At the same time, some banks also give loans up to Rs 1 crore. The loan amount depends on how much your college fees are. You are studying in India or abroad. How is your previous education and academic record. How much is the income of co-applicant (eg parents).

How is EMI formed?

After taking a loan, EMI means monthly installment. But it is a matter of relief that most of the bank students do not have the compulsion to fill EMI during their studies. After taking a loan, a Mortorium period is given, in which students can start paying EMI after completing their studies and getting a job.

Easy payment method

• Auto Debit Facility: The bank directly cuts EMI from your account. This makes timely payment and no penalty is seen.
• Part payment option: If you ever have extra money, you can pay some amount in the middle, which reduces interest.
• Online portal and app: Banks now provide mobile apps and online banking facilities for tracking EMI and payment.

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What documents will be needed?

• Admission letter
• Detail of course fees
• Identity card (base/pan)
• Previous studies marksheets
• Income proof of co-applicant
• Bank statement

Also read- How much can you get education loan for M.Tech’s studies? Know EMI and Easy Payment Way

Education loan information:
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