Agar aap 12th ke baad higher studies ke liye education loan lena chahte hain lekin samajh nahi aa raha kaise apply karein, kaunse documents lagenge aur kis bank se loan milega toh tension mat lo. Education loan lena aaj ke time me kaafi easy ho gaya hai bas sahi tarike se rules follow karna hota hai. Is blog me hum step by step dekhenge ki kaise aap bina kisi confusion ke apne dream college ke liye loan le sakte hain, kaunse options best hain aur kis tarah se approval jaldi mil sakta hai.
Education loan lene ke liye kuch basic eligibility requirements hote hai
1. Indian Citizen Hona Zaroori Hai
Agar aap ek student hai aur aapko loan lena hai toh aapko Bharat ka nagrik (citizen) hona bahut jaruri hai. Agar aap kisi doosre desh ke citizen (nagrik) hai toh aapko loan nahi milega.
2. 12th Pass Hona Chahiye
Agar Aapne apni baarvi (12th class) ki padhai puri ki hai jo kisi recognized board se ho. Recognized ka matlab hota hai ki CBSE, ICSE ya state board jo government ne approve kiya ho. Agar aap 12th pass nahi karte toh aapko loan nahi mil sakta.
3. College ya University Mein Admission Hona Chahiye
Agar aapko Kisi acche college ya University mein admission Mil Gaya Ho Jo government ki najar me approved ho. Jaise ki agar aapko engineering ya medical ki padhaai karni hai to uss college ka government se registration hona bahut jaruri hai tabhi jakar aapko loan milane ke chance ho sakte hai.
Aur Agar aapko loan chahiye toh aapke pass vaha ke padhaai karne ka admission later hona chahiye. Chahe aap India me padhaai Kare ya Bahar desh me aapko dono hi Desh ke liye loan Mil sakta hai. [how to get education loan after 12th]
4. Kaunse Courses Ke Liye Loan Milta Hai?
aapko Sabhi courses ke liye loan nahi milta hai. aapko sirf Professional ya job dene wale courses ke liye hi loan lena aasaan hota hai. Jaise:
| Engineering (engineer banne ke liye) |
| Medical (doctor banne ke liye) |
| Management (MBA ya business ki padhai ke liye) |
| Law (wakil banne ke liye) |
Agar aap in me se kisi bhi course mein padhai karna chahte hain toh bank aapko loan dene mein madad karti hai.
Kitna Loan Mil Sakta Hai
Agar aap 12th ke baad apni padhai ke liye education loan lena chahte ho toh aapko ye jaan kar accha lagega ki bank aapki madad karte hain. India mein agar aapko kisi acchi college ya university mein admission mil gaya hai toh aapko ₹10 lakh tak ka loan mil sakta hai.
Wahi agar aap abroad (videsh) mein padhai karna chahte ho toh ye amount ₹20 se 50 lakh tak ja sakta hai ye depend karta hai ki aap kaunsa bank select karte ho aur aapka course kya hai. Toh, tension lene ki zaroorat nahi, agar sapne bade hain toh bank se loan lekar unhe pura karna aasaan ho sakta hai. [how to get education loan after 12th]
Required Documents
Agar aapko apni padhai ke liye education loan chahiye to bank aap se kuch zaroori kagaz (documents) maangta hai. In kagazon ki madad se bank yeh check karta hai ki aap sach mein padhai kar rahe ho aur aap loan wapas kar sakte ho ya nahi.
1. 12th Ka Marksheet Aur Certificate
Iska matlab hai ki aapko apni baarvi class (12th) ka result aur pass hone ka certificate dena hoga, jisse bank ko pata chale ki aapne 12th pass kar liya hai.
2. Admission Letter
Jab aapko kisi college ya university mein padhai karne ke liye admission milta hai toh wo ek letter (patra) dete hain. Ismein yeh likha hota hai ki aapko unke yahan padhne ki permission mil gayi hai. Bank ko yeh letter isliye chahiye taaki wo confirm kar sake ki aap sach mein padhai kar rahe ho. [how to get education loan after 12th]
3. Identity Proof
Bank ko yeh dekhna padta hai ki aap kaun ho. Iske liye aapko apna Aadhaar Card ya PAN Card dena hoga, jisse aapki asli pehchaan sabit ho.
4. Address Proof
Iska matlab hai ki bank ko yeh bhi jaanna hota hai ki aap kahan rehte ho. Iske liye aapke ghar ka bijli ka bill, ration card ya Aadhaar card ka use kiya ja sakta hai.
5. Income Proof
Bank ko yeh check karna hota hai ki aapke mummy-papa ki kitni income (kamai) hai, taki wo loan dene ka faisla le sakein. Iske liye bank salary slip ya Income Tax Return (ITR) ki copy maangta hai.
6. Fees Structure Aur Course Ki Detail
Aap jis college mein ja rahe ho, uski fees kitni hai aur course kitne saal ka hai, yeh sab bank ko bataana padta hai. Yeh isliye zaroori hai taaki bank decide kar sake ki aapko kitna loan dena hai. Yeh sabhi documents ready rakhne se aapka loan process jaldi ho jata hai. [how to get education loan after 12th]
Kaunse Bank Ya Institutions Se Loan Le Sakte Hain
Agar aapko education loan chahiye toh kai jagah se loan mil sakta hai. Chalo, inko simple tarike se samajhte hain:
1. Public Sector Banks (Sarkari Bank)
Yeh woh bank hote hain jo sarkar (government) ke under aate hain. In banks ka loan lene ka fayda yeh hai ki yeh kam interest rate (sudkh) par loan dete hain aur bharosemand hote hain. Yeh banks India mein padhai ke liye bhi loan dete hain aur agar aap videsh (abroad) mein padhna chahte ho, tab bhi madad karte hain. Kuch bade sarkari bank yeh hain jaise:
| SBI (State Bank of India) |
| PNB (Punjab National Bank) |
| Bank of Baroda |
2. Private Banks
Yeh bank private companies ke hote hain. Inka loan process fast hota hai, lekin kabhi-kabhi interest rate thoda zyada ho sakta hai. Agar aapko jaldi loan chahiye to private banks accha option ho sakte hain.
| ICICI Bank |
| ICICI Bank |
| Axis Bank |
3. NBFC (Non-Banking Financial Companies)
Yeh bank jaise hi kaam karte hain, lekin technically bank nahi hote. Yeh un students ko bhi loan dete hain jinhe normal bank se loan milna mushkil ho. Kuch popular NBFC hain, Agar aapko sarkari ya private bank se loan lene mein dikkat ho toh aap yeh try kar sakte ho.
| Credila |
| Avanse |
| Avanse |
4. Government Schemes (Sarkari Yojana)
Sarkar ne aise students ki madad ke liye special yojana (schemes) shuru ki hain, jahan se loan lena aasan hota hai. agar aapko loan nahi mil raha hain toh in options ko dekhkar apne liye select kar sakte ho. jaise ki,
| 1. Vidya Lakshmi Portal: Ek online platform jahan aap ek hi jagah se alag alag banks ke loan ke liye apply kar sakte ho. |
| 2. PM Credit Guarantee Fund Scheme: Is scheme mein bina kisi guarantee (collateral) ke gareeb ya middle-class students ko loan milta hai. |
Process to Apply for Education Loan
Agar aapko education loan lena hai toh uske liye kuch simple steps follow karne padte hain. jaise ki:
1. Bank select Karo
Sabse pehle aapko decide karna hoga ki kis bank se loan lena hai. Har bank ka interest rate alag alag hota hai. Ye rate 8% se 14% ke beech mein hota hai. Iska matlab, agar aap ₹1 lakh ka loan lete ho toh aapko 1 lakh se zyada wapas karna hoga jitna interest hoga, utna extra dena padega. Isliye, saste wale bank ka loan lena better hota hai. [how to get education loan after 12th]
2. Application Form Bharo
Jis bank se loan lena hai uska application form bharna padta hai. Ye form aap Online ya Bank ki branch mein jaake bhar sakte ho.
Form mein aapko apna naam, address, padhai ka course, kitna loan chahiye ye sab likhna hoga.
3. Documents Submit Karo
Form ke saath kuch zaroori kagaz (documents) bank ko dene hote hain, jaise:
- 12th ka marksheet ye bataane ke liye ki aap pass ho.
- Admission letter jo college ne aapko diya hai.
- Aadhaar card/PAN card aapki pehchaan ke liye.
- Parents ki income proof jisse bank ko lage ki aap loan wapas kar sakte ho.
4. Verification Process
Jab aap sabhi documents jama kar doge toh bank inhe check karega. Bank ye dekhta hai ki:
- Aapne sahi documents diye hain ya nahi.
- Aapka admission genuine hai ya fake.
- Aapke mummy papa ki income itni hai ki loan wapas kar sakein.
- Ismein thoda waqt lag sakta hai (1-3 hafte tak).
5. Loan Approval
Agar bank ko sab kuch sahi lage toh wo aapka loan approve kar dega. Loan milne ke baad, Paisa seedha aapke college ke account mein bheja jata hai. aur ha Aapko cash ya haath mein paisa nahi milta.
Iske baad aapki fees bank chuka deta hai aur aap aaraam se apni padhai shuru kar sakte ho.
Repayment (Wapas Kaise Karen)
Jab aap education loan le lete ho toh bank ko yeh paisa wapas bhi karna padta hai. Lekin bank aapko yeh paisa turant wapas nahi maangta. [how to get education loan after 12th]
1. Kab Se Wapas Karna Padta Hai?
Bank aapse tab tak paisa wapas nahi maangta jab tak aapki padhai chal rahi ho. Aapko loan wapas karna do tarah se shuru karna padta hai:
1. Padhai Khatam Hone Ke 6 Mahine Baad: Jab aapka course khatam ho jaye aur agar aapko job nahi mila toh bhi 6 mahine baad aapko loan ki EMI deni shuru karni padegi.
2. Job Lagne Ke 1 Saal Baad: Agar aapko padhai khatam karne ke baad job mil jaye toh 1 saal ke andar loan wapas karna shuru karna padta hai.
Iska matlab hai ki bank aapko job dhundhne ka samay deta hai.
2. EMI Kya Hota Hai?
EMI ka matlab hai Equated Monthly Installment yaani har mahine ek chhoti chhoti kist mein loan ka paisa wapas karna.
Maan lo ki aapne ₹5 lakh ka loan liya hai toh aap bank ko ek saath ₹5 lakh nahi doge. Iski jagah, aap har mahine thoda thoda paisa bank ko doge. jaise ₹5,000 ya ₹10,000
3. Kitne Saal Tak Wapas Karna Padta Hai?
Bank aapko 5 se 15 saal ka samay deta hai loan wapas karne ke liye. Iska matlab:
- Agar aap jaldi wapas karna chahte ho toh aap 5 saal mein pura loan chuka sakte ho.
- Agar aapko aaraam se wapas karna hai toh 15 saal tak ka samay le sakte ho.
- Jitne zyada saal loge, har mahine ki EMI kam hogi, lekin total paisa zyada dena padega.
Example:
- Agar aap ₹10 lakh ka loan lete ho:
- 5 saal mein wapas karoge toh EMI ₹20,000 ke aaspaas hogi.
- 10 saal mein wapas karoge toh EMI ₹10,000 ke aaspaas hogi.
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Conclusion
is post me bataya gaya hain ki, education loan lena utna bhi mushkil nahi hota hai jitna lagta hai. Bas aapko sahi bank select karna padta hain aur zaroori documents ready rakhne padte hain aur jo bhi terms & conditions hain hain unhe follow karna padta hain isliye unko dhyan se samajhe. Agar aapko loan lena hai aur aapko padhai karni hi hai toh bank bhi aapko support karega. isliye Jaldi se research karo aur apply karo aur apne sapne ki taraf aage badhao.