BANK's Providing Education Loan For Students In All Over Maharashtra


Allahabad Bank[Goverment]
Main Branch Kolkata
Address 2, N. S. Road, Kolkata -700 001
Phone No 020 2557 5000
ROI N/A
Andhra Bank[Goverment]
Main Branch Hyderabad
Address AG Office Rd, Saifabad, Khairatabad, Hyderabad, Telangana 500004
Phone No 040 23234313, 23252000
ROI
  • Up To Rs. 7.50 Lakhs- Base Rate+2.75%     
  • Above Rs. 7.50 Lakhs- Base Rate+1.50%
Main Branch Axis Bank Deccan, Pune
Address Indraprushti Opp. F.C. F.C. Road, 2, Law College Rd, Deccan Gymkhana, Pune, Maharashtra 411004
Phone No N/A
ROI
  1. Upto 4 lacs - 15.00%
  2. Loans greater than Rs.4 lacs and upto Rs. 7.5 lacs -14.50%
  3. Loans greater than 7.5 lacs -13.50%                     
  4. Marginal Cost Based Lending Rate (MCLR) – 8.15%
Bank Of Baroda[Government]
Main Branch Bank of Baroda
Address Suraj Plaza 1, Sayaji Ganj, Baroda 390005
Phone No (0265) 2361852
ROI
  • Baroda Gyan:
  1. Loans upto Rs.4 lakhs : Base Rate + 2.50%
  2. Loans from Rs.4 lakhs to Rs.7.50 lakhs : Base Rate + 2.50%
  3. Loans above Rs.7.50 lakhs : Base Rate + 1.75%
  4. Baroda Education Loan for Vocational Education & Training : Base Rate + 2.00%
  • Baroda Education Loan for Vocational Education & Training:
  1. Loans upto Rs.4 lakhs : Base Rate + 2.50%
  2. Loans from Rs.4 lakhs to Rs.7.50 lakhs : Base Rate + 2.50%
  3. Loans above Rs.7.50 lakhs : Base Rate + 1.75%
  4. Baroda Education Loan for Vocational Education & Training : Base Rate + 2.00%
Bank Of India[Government]
Main Branch BOI Bandra (East), Mumbai
Address BANK OF INDIA STAR HOUSE C - 5, "G" Block, Bandra Kurla Complex, Bandra (East), Mumbai 400 051.
Phone No (022) – 40919191 / 1800 220 229
ROI
  1. Up to Rs.7.50 lakhs
  2. 3% above the base rate
  3. Above Rs.7.50 lakhs
  4. 2.50% above the base rate
  5. Women Beneficiaries
  6. Concession of 0.5% per annum for limits up to Rs.50,000 and 1% for limits over Rs.50,000
  7. Loan for Professional courses
  8. Concession ranging from 0.5% to 1%
  9. If interest is serviced during moratorium
  10. 1% concession
Main Branch Shivajinagar, Pune
Address 1501, Lokmangal, Near Sancheti Hospital, Narveer Tanaji Wadi, Shivajinagar, Narveer Tanaji Wadi, Shivajinagar, Pune, Maharashtra 411005
Phone No 020 - 25532731, 733, 734, 735, 736020 - 25532728020 - 25514501 - 12020 - 25513781
ROI
  1. 12.75% for loan amounts of Rs 4 lakhs or below
  2. 12.25% for loan amounts between Rs 4 and Rs 7.50 lakhs
  3. 11.50% for loan amounts above Rs 7.50 lakhs
Main Branch BJS Bank Yerwada, Pune
Address Bharatiya Jain Sanghatana, Muttha Towers, Loop Road, Near Don Bosco Church, Yerawada, Pune -411006
Phone No 020-41200600, 41280011, 41280012, 41280013
ROI N/A
Canara Bank[Goverment]
Main Branch Bengaluru, Karnataka
Address 112, Mysore Road, Kumbaragundi, Sampangi Rama Nagar, Bengaluru, Karnataka 560002
Phone No 080 2222 1581
ROI

less than INR 4 lakhs, no interest will be levied. For loan sum more than that, 5 percent interest will be levied

Main Branch Central Bank Of India, Aundh, Pune
Address Survey No. 246/4, House No 1872, Saket Society, Vaishvil Building, Vidhate Vasti, Aundh, Shambhu Vihar Society, Aundh, Pune, Maharashtra 411007
Phone No 1800221911
ROI

1) Male Students

    Base Rate + 2.00%

2) Female, SC, ST & students admitted to IIM/IIT

    Base Rate + 1.50%

 

City Union Bank[Nationalise]
Main Branch City Union Bank, Rastapeth, Pune
Address 309, FIRST LANE, RASTAPETH, OPP K.E.M HOSPITAL, Pune, Maharashtra 411011cityunionbank.com
Phone No 093710 44746
ROI
  • Upto Rs. 4 lakh:-
  1. Male student13.75%
  2. Female student-13.25%                     
  • Above Rs. 4 lakh:-                     
  1. Male student- 14.50%
  2. Female student-14.00%
Corporation Bank[Government]
Main Branch Corporation Bank, Somwar Peth, Pune
Address Kapoor Heights, FP NO.27, TPS PUNE NO.11, SPNO.(3+4A)+(4B+5), Mali Maharaja Road, Somwarpeth, Near MSEB Power House, Somwar Peth, Pune, Maharashtra 411011
Phone No 0824 242 6416
ROI
  1. 12.10% for loan amounts of Rs 4 lakhs or below
  2. 13.10% for loan amounts of Rs 4 lakhs – 7.50 lakhs
  3. 12.60% for loan amounts above Rs 7.50 lakhs
  4. Only simple interest is charged during the repayment holiday or moratorium period.
  5. Girl students get a concession of 50 bps on the interest rate (which includes 25 bps for SC, ST and women students) for all education loans. Physically challenged students get a concession of 0.50% for all education loans.
Dena Bank[Government]
Main Branch Dena Bank, Shivajinagar, Pune
Address 348, Machar Chamber, Senapati Bapat Rd, Harihareshwar, Shivajinagar, Pune, Maharashtra 411016
Phone No 1800 233 6427
ROI

1) Loan amounts of Rs 4 lakhs or below

2) 11.80% p.a. (to be repaid within 3 years)

3) Loan amounts above Rs 4 lakhs 11.80% p.a. (to be repaid within 3 years)                          

4) During the moratorium period only simple interest is charged on the loan amount. The students get a concession of 1% on the interest rate when the payments for the interest charged are made on time, during the repayment holiday period.

5)For the following institutes, the actual rate applicable is the base rate. The base rate changes from time to time, depending on RBI’s guidelines. Currently the base rate is 10.25% and so the interest rate for these institutions is also 10.25%

Main Branch Dhanlakshmi Bank, Camp, Pune
Address East St Road, Juna Pulgate, Camp, Pune, Maharashtra 411001
Phone No 0824 242 6416, 020 6450 0220
ROI
  1. With interest subsidy: Base rate + 2 percent, which comes up to 13.50 percent
  2. Without interest subsidy: Base rate + 3.75 percent, which comes up to 15.25 percent
HDFC Bank[Private]
Main Branch HDFC Bank, Mumbai
Address HDFC Bank House, Senapati Bapat Marg, Mumbai-400013
Phone No N/A
ROI N/A
Main Branch HDFC Credila Bank, Jangali maharaj road, Pune
Address Office No. D-0, 3rd Floor, Renuka Complex, Junglee Maharaj Road, Opposite McDonalds, Pune, Maharashtra 411004
Phone No 1800 209 3636
ROI N/A
IDBI Bank[Private]
Main Branch IDBI Bank, Mumbai
Address IDBI Tower, WTC Complex, Mumbai, Maharashtra-400005
Phone No N/A
ROI

1) Non Vocational Courses

  • Priority Sector Lending (PSL)
  1. Up to Rs. 10 lakhs for studies in India
  2. 11.00% (BR+1.00%)
  • Not Priority Sector Lending
  1. Above Rs. 10 lakhs for studies in India
  2. 12.00% (BR+2.00%)

Rates for students in Premier Education Institutes (including ISB) is 10.00% (BR+0.00%)

For those students who secured admission under Management Quota the rate of interest is 13.50% (BR+3.50%).

2) Vocational Courses

    11.00% (BR+1.00%).

Indian Bank[Private]
Main Branch Indian Bank - Wanwadi Branch, Pune
Address Natraj Enclave Society, Fatima Nagar, Wanowrie, Pune, Maharashtra 411040
Phone No 020 2026 0800
ROI N/A
Main Branch Indian Overseas Bank, Camp, Pune
Address Wonderland, 7, MG Road, Hulshur, Camp, Pune, Maharashtra 411001
Phone No 020 2613 0998
ROI

Up to Rs. 4 Lacs

12.25%

Above Rs. 4 lacs to Rs. 7.50 lacs

13.50%

Above Rs. 7.50 lacs

13.25%

Vocational Courses

12.25%

Ward of Staff

12.00%

Female applicants can enjoy an additional discount of 0.50% 

Main Branch Jammu and Kashmir Bank, Camp, Pune
Address 284,Ist Floor,Radiant Raheja Millinium Complex, MG Road, Camp, Pune, Maharashtra 411001
Phone No 020 2634 1952
ROI

The interest rate charged for Jammu and Kashmir Bank Education Loan depends on the tenure of the loan. Fixed interest rate is charged on loans with tenure up to 5 years as follows:

  1. 12.25% for loans up to Rs 5 lakhs
  2. 13.25% for loans above Rs 5 lakhs, up to a maximum amount of Rs 10 lakhs
  3. 14.00% for loans above Rs 10 lakhs, up to a maximum amount of Rs 20 lakhs

Floating interest rate is charged on loans with tenure of more than 5 years as follows:

  1. Bank Rate + 1.5% OR Prime Lending Rate – 3.00% for loans up to Rs 5 lakhs.
  2. Bank Rate + 2.5% OR Prime Lending Rate – 2.00% for loans above Rs 5 lakhs, up to a maximum amount of Rs 10 lakhs.
  3. Bank Rate + 3.75% OR Prime Lending Rate – 0.75% for loans above Rs 10 lakhs, up to a maximum amount of Rs 20 lakhs.
Main Branch Karnataka Bank, Dhankawadi, Pune
Address Shop No-7 To 11,Rajdhani Complex,Next To Shree Maharaj Matt,Dhankawadi, Satara Rd, KK Market, Mangawadi, Pune, Maharashtra 411043
Phone No 020 2436 3709
ROI

The interest charges incurred on education loan differs on the basis of merit, gender of the applicant and the loan amount. The breakdown has been provided below for reference.

  1. Normal Student
  2. Meritorious Student
  3. Normal Girl Student
  4. Meritorious Girl Student

Akin to its public sector counterparts, Karnataka bank follows the nomenclature of base rate linked system of computing the applicable interest rate on education loans.

Therefore, there are two components, Base rate + Fixed Rate (Scheme).

The applicable rates and fees are subject to periodic change based on market conditions and decision of the bank.

Main Branch Karur Vysya Bank, Kothrud, Pune
Address Warje Malwadi Rd, Mayur Colony, Kothrud, Pune, Maharashtra 411004
Phone No 1860 200 1916
ROI
  • Up to 7.50 Lacs                             
  1. Male Students-Base Rate + 3%    
  2. Female Students-Base Rate + 2.50%                                       
  •  Above 7.50 Lacs(Priority Sector)
  1. Male Students-Base Rate + 3.50%
  2. Female StudentsBase Rate + 3%
  • Above 7.50 Lacs(Non Priority Sector)
  1. Male Students-Base Rate + 4%
  2. Female StudentsBase Rate + 3.50%

 

Main Branch Lakshmi Vilas Bank, Chakala, MUMBAI
Address MUMBAI Sterling Centre, 2nd Floor,Andheri - Kurla Road,Chakala, MUMBAI - 400 093 Maharashtra
Phone No Ph:022-28270236, 28270237
ROI
  • Up to Rs.4 lacs                                
  1. Male Students- Base Rate + 3.25%  
  2. Female Students-Base Rate + 2.75% 
  • Loans above 4 lacs                                  
  1. Male Students-Base Rate + 4.25%  
  2. Female Students-Base Rate + 3.75%
Main Branch Oriental Bank Of Commerse, Sion, Mumbai
Address # 175, Ground Floor, Meen Deep, Gujarat Society, Opp Jain Society, Gujarati Society, Jain Society, Sion, Mumbai, Maharashtra 400022
Phone No 022 2402 8898
ROI
  • Up to Rs.4 lacs                                              
  1. For Male Student- 12.75%(B.R + 2.50)                                                   
  2. For Female Student- Concession of 0.50%                                                 
  • Above Rs.4 lacs:- but not exceeding 7.50 lacs with Third party Guarantee                                           
  1. For Male Student- 13.25%(B.R + 3.00)                                                 
  2. For Female Student- Concession of 0.50%                                           
  • Above Rs.4 lacs:- but not exceeding 7.50 lacs with Immovable property or tangible assets                             
  1.  For Male Student- 12.00%(B.R + 1.75)                                                  
  2. For Female Student- Concession of 0.50%                                                                                        
Main Branch Punjab & Sind Bank, Vikroli, Mumbai
Address Mumbai Fitwell House, L.B.S. Marg, Vikhroli(West), Mumbai - 400083
Phone No 9833556405, Fax- (022) 25771618
ROI

General Public - ROI- 13.25% for up to 4 Lakhs, 13.50% for 4 to 7 Lakhs & 12.75% for above 7.50 lakhs 

Co-borrower- ROI- 12.25% for up to 4 Lakhs, 12.50% for 4 to 7 Lakhs & 11.75% for above 7.50 lakhs                                                     

Main Branch Saraswat Bank, Prabhadevi, Mumbai
Address Saraswat Coop Bank Ltd,Saraswat Bank Ekanath Thakur Bhawan953, Appasaheb Marathe Marg PrabhadeviMumbai- 400 025
Phone No Tel: 022-6600 5555
ROI

For IBA approved courses, Saraswat Bank sanctions loans amounting up to Rs 20 lakhs at a floating interest rate of 14.50% per annum and a fixed interest rate of 14% per annum. Female applicants are eligible to get a concession of 0.50% on the interest rate and students applying to premier institutions like IIMs, IITs, XLRI or ISB get an additional discount of 0.25%.

SBH Bank[Government]
Main Branch SBH Bank, Bibwewadi, Pune
Address SHOP NO 1&2, ADINATH SHOPPING CENTRE, PUNE-SATARA ROAD,BIBWEWADI,PUNE, Maharashtra
Phone No 1800 4254055
ROI

The interest accrued during the moratorium period is added to the principal and when the moratorium period is over, repayment is fixed in the form of EMI. The current interest rates that are applicable are:

For loans up to Rs. 4.00 Lacs - 11.50%
Loans ranging from Rs. 4.00 Lacs up to Rs.10.00 Lacs – 12.50%
Loans above Rs.10.00 Lacs - 13.00%

SBI Bank[Government]
Main Branch SBI Andheri East, Mumbai
Address Seepz Sez, Behind Sez Office, Andheri East, Bhim Nagar, Andheri East, Mumbai, Maharashtra 400093
Phone No 022 2829 1352, 18004253800, 1800112211
ROI

1) SBI Student Loan Scheme

Up to Rs.4 lakhs

3.50% above base rate

Above Rs.4 lakhs and up to Rs.7.5 lakhs

3.75% above base rate

Above Rs.7.50 lakhs

1.75% above base rate

The base rate is fixed at 9.85%. Do make an enquiry with the bank about the prevailing base rates. A concession of 0.50% is provided for girl students and a 1% concession is offered for full tenure of loan, if the interest is serviced promptly during moratorium and course period.

2) SBI Scholar Loan Scheme

List AA

25 bps above base rate (10.10% at present)

List A

25 bps above base rate (10.10% at present)

List B

For unsecured loan up to Rs.20 lakhs, 50 bps above base rate (10.35% at present)

List C

175 bps above base rate (11.60% at present)

For list B institutions, the interest rate is 25 bps if the collateral security provided is equal to or greater than the loan amount or if the applicant’s work experience is greater than two years. Do contact the bank for a comprehensive classification of the educational institutions as per the type AA, A, B or C.

3) Loan Scheme for Vocational Education and Training

The rate of interest is fixed at 3.50% above the base rate of 9.85%

Main Branch South Indian Bank, Navi Mumbai
Address SHOP No.9, AMBIKA TOWERS, AGADI NAGAR, PUMP HOUSE, ANDHERI EAST, Sher E Punjab Colony, Andheri East, Navi Mumbai, Maharashtra 400093
Phone No 022 2825 7418
ROI

1) Vitjnan Pradhan Scheme

Base rate is 10.20%                        

Loan amount up to Rs. 4 lakh

Base rate + 5.80%

Loan amount more than Rs. 4 lakh

Base rate + 6.30%

2) SIB-Excellence

Base rate is 10.20%                               

SIB-Excellence up to Rs. 10 lakh

Base rate + 1.10%

SIB-Excellence above Rs. 10 lakh

Base rate + 2.10%

3) Vidyanidhi Scheme

Base rate is 10.20%                              

Vidyanidhi loan scheme

Base rate + 5.20%

Main Branch State Bank Of Bikaner & Jaipur, Borivali, Mumbai
Address Vallabhbhai Patel Rd, Pai Nagar, Borivali, Mumbai, Maharashtra 400091
Phone No 1800 180 6005
ROI

Interest rates are subject to changes from time to time. Currently for a girl student the interest rate is 0.50% lower than that offered to regular customers. If the student wishes to pursue his/her studies in prime institutions, the rate of interest will be up to 1.00% lower. A 1% concession on interest may be offered by the bank, provided that the interest is paid back during the study period. The minimum interest charged on a loan of up to 4 lac is 11.25 % per annum.

Main Branch Bengaluru, Karnataka
Address 18, Avenue Rd, Cubbonpete, Nagarathpete, Bengaluru, Karnataka 560002
Phone No 18004253800, 1800112211
ROI

The interest accrued during the moratorium period is added to the principal and when the moratorium period (Holiday Period) is over, repayment is fixed in the form of EMI.

The current interest rates that are applicable are:-

  1. For loans up to Rs. 4.00 Lacs - 11.50%
  2. Loans ranging from Rs. 4.00 Lacs up to Rs.10.00 Lacs – 12.50%
  3. Loans above Rs.10.00 Lacs - 13.00%
Syndicate Bank[Government]
Main Branch Syndicate Bank, Karnataka
Address Eshwar Nagar, Manipal, Karnataka 576104
Phone No 078995 90200
ROI
  1. Prime Lending Rate is currently 13.25 percent
  2. For Syndicate Bank education loans up to INR. 4 lakhs, the interest rate is Prime Lending Rate (PLR) minus 1.50 percent.
  3. For SB education loans above INR. 4 lakhs, the interest rate is PLR minus one percent.
  4. Girl students and students belonging to SC/ST group are entitled for a deduction of 0.50 percent on the aforementioned rates.
  5. Girl students under SC/ST group are qualified for an additional rebate of .25 percent on the said rates and together they get a concession of .75 percent.
Main Branch The Hasti Co - Op Bank Ltd, Kothrud, Pune
Address Navlakha Complex, Plot No 26, Near Durga Mata Mandir, Paud Road, Shila Vihar Colony, Kothrud, Pune, Maharashtra 411038
Phone No 020 2546 3464
ROI N/A
TJSB Bank[Private]
Main Branch TJSB Bank, Vile Parle, Mumbai
Address PM Road, Park Rd, Vile Parle East, Mumbai Suburban, Navpada, Park Road, Vile Parle, Mumbai, Maharashtra 400057
Phone No 022 2616 5333
ROI

SBI Education Loan interest is 11.60 per annum.

Main Branch TMB Bank, Pune
Address 13 Solapur Bazar Road Opp Pune New Bazar Posr Office, Off East street Pulghate Camp Branch Post Box No 175, Hulshur, Camp, Pune, Maharashtra 411001
Phone No 020 2636 0781
ROI

1) Upto Rs. 4 Lakhs - BR + 3.50% (13.60% p.a.).

2) Above Rs. 4 Lakhs upto Rs. 7.50 Lakhs - BR + 3.50% (13.60% p.a.)*.

3) Above Rs. 7.50 Lakhs upto Rs. 20 Lakhs (With 100% Collateral Only) - BR + 3.00% (13.10% p.a.).

4) * Interest Rate Concession by 0.50% if covered by 100% and above collateral security.

5) Additional Incentive of 1% in R.O.I for servicing the interest during study and moratorium period.

6) Current Base Rate for Lending (BR) is 10.10% p.a.

UCO Bank[Government]
Main Branch UCO Bank, Pimpri, Pune
Address Near Pimpri P. F. Post Office, Kharalwadi, Hindustan Antibiotics Colony, Pimpri Colony, Pune, Maharashtra 411018
Phone No 020 2742 3550
ROI

1) UCO Educational Loan

Up to Rs.7.50 lakhs

Base rate + 2.50%

Effective rate-11.20%

Above Rs.7.50 lakhs

Base Rate + 225%

Effective rate- 12.20%

UCO Bank offers a floating rate of interest linked to base rate. The rates are subject to change depending on the base rate. The latest interest rates can be found on the bank’s website. The interest accrued during the moratorium period will be added to the principal and repayment in EMI to be fixed.

2) UCO Premier Educational Loan

The UCO Bank rate of interest is the base rate + 1.00% i.e. currently 11.20% p.a.

Main Branch Union Bank Of India, Baner, Pune
Address Near Chakkakmala, Baner - Balewadi Rd, Dasar, Baner, Pune, Maharashtra 411045
Phone No 020 2729 2800
ROI

Quantum of Loan

Interest Rate (Male students)

Interest Rate (Female students)

Up to Rs 7.50 lakh

12.25% (fixed)

11.75% (fixed)

Above Rs 7.50 lakh

12.00% (fixed)

11.50% (fixed)                                            

For Vocational Education & Training

Male students

11.75% (fixed)

Female students

11.25% (fixed)

 

Main Branch United Bank Of India, Powai, Mumbai
Address Shop 1 To 5, Blue Nile, Pacific Enclave Co Operative Housing Society Ltd, Near Hiranandani Hospital, Powai Internal Rd, BSNL Colony, Powai, Mumbai, Maharashtra 400076
Phone No 1800 345 0345
ROI

1) UBI Education Loan:

UBI offers education scheme loan at affordable rates of interest for the convenience of students and parents. Borrowers can enjoy a 1% concession on the regular interest rates, during the moratorium period, if the interest is serviced monthly and regularly during this period.

Parents with an income of up to Rs. 4.5 lakhs p.a enjoy an interest subsidy by the government, during the moratorium period. The interest rate table below explains the rate of interests in detail.

Up to Rs. 4 lakhs

Base Rate + 2% = 12.00% (at present)

Above Rs. 4 lakhs to Rs. 7.50 lakhs

Base Rate + 2.75% = 12.75% (at present)

Above Rs. 7.50 lakhs

Base Rate + 2% = 12.00% (at present)

Please note that the above mentioned rates are floating rates of interest, and are subject to change.

2) UBI Superb Education Loan Scheme:

The rate of interest charged depends on the category of the institute and the gender of the student. Please refer to the table below for a detailed account of the same.

‘A’ List Institutes (male/female students)

Base Rate = 10.25% (at present)

‘B’ List Institutes (male students)

Base Rate + 0.50% = 10.75% (at present)

‘B’ List Institutes (female students)

Base Rate + 0.25% = 10.50% (at present)

Vijaya Bank[Government]
Main Branch Vijaya Bank, Ville parle west, Mumbai
Address Plot No.5 TPS 3rd Land Mark Building, Opposite To Railway Station, Besant Road, Kamala Nagar, Ville Parle West, Vasant Vihar, Navpada, Kamala Nagar, Vile Parle West, Mumbai, Maharashtra 400056
Phone No 022 2618 2025
ROI

1) Education Loan

Up to Rs.4 lakhs

Base Rate + 1.80 = 12.05%

Rs.4 lakhs and above

Base Rate + 2.25 = 12.50%

For other loans, the rate of interest is fixed irrespective of the loan amount.

Management Quota (Non IBA)

Base Rate + 2.55% = 12.80%

ISB

11.75% ( Fixed)

Premier Institutions such as IIMs, IITs, etc.

11.75% ( Fixed)

2) Education Loan for Vocational & Training Course:

Loan is offered at a floating rate of interest of Base Rate + 1.8% = 12.05% p.a.

VM3 Bank[Private]
Main Branch VM3 Bank, Wagholi
Address Wagholi
Phone No 9960578123
ROI N/A
Main Branch Zoroastrian Co-operative Bank ltd, Camp, Pune
Address Mordern House 634, Sachapir St, Camp, Pune, Maharashtra 411001
Phone No 020 2611 9177
ROI
  1. ROI @ 10.90 % p.a. (As applicable from time to time)
  2. Effective ROI @ 6.03% # p.a.
  3. For Girl Student – Concessional ROI at 0.25% lower than actual.
  4. For Study in Prime Institutions - Concessional ROI at 0.25% lower than actual.
  5. For Meritorious Student (above 90 percentile) - Concessional ROI at 0.50% lower than actual..
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