இந்த ஆண்டு மாணவர்களுக்கு கல்விக் கடனை ஆன்லைன் மூலம் வழங்க ஏற்பாடு செய்யப்பட்டுள்ளது.
அத்துடன் இந்தியன் வங்கி சார்பில் புதிதாக 200 தானியங்கி பணப்பட்டுவாடா இயந்திரங்கள் நிறுவப்படும் என்று இந்தியன் வங்கி சேர்மனும் மேலாண்மை இயக்குநருமான எம்.எஸ்.சுந்தர்ராஜன் தெரிவித்தார்.
சென்னையில் நேற்று செய்தியாளர்களுக்கு பேட்டியளிக்கையில், இந்த ஆண்டு மாணவர்களுக்கு கல்வி கடனை விரைந்து வழங்க நடவடிக்கை எடுக்கப்பட்டுள்ளது.
வங்கியின் வைப்புத்தொகை இப்போது ரூ.72 ஆயிரத்து 582 கோடி யாக உயர்ந்துள்ளது. இது சென்ற ஆண்டை விட 19 விழுக்காடு அதிகம்.
சென்ற நிதி ஆண்டில் ஆண்டில் ரூ. 51,466 கோடி கடன் வழங்கப்பட்டுள்ளது. இது முந்தைய ஆண்டைவிட 29 விழுக்காடு உயர்வு.
வீட்டுவசதி கடன் ரூ.5 ஆயிரத்து 96 கோடியே 58 லட்சம் வழங்கப்பட்டுள்ளது.
விவசாயக்கடன் ரூ.7,837 837 கோடி கொடுக்கப்பட்டுள்ளது. இது முந்தைய ஆண்டுடன் ஒப்பிடுகையில் 25% அதிகமாகும்.
இந்தியன் வங்கி ரத்து செய்த விவசாயக்கடனில் 40% மத்திய அரசு தந்துள்ளது.
இந்த நிதி ஆண்டில் (2009 ஏப்ரல் முதல் 2010 மார்ச்)அனைத்து கடன்களும், 20 விழுக்காடு அதிகரிக்கப்படும்.
இந்தியன் வங்கி 1,642 கிளைகளுடன் செயல்படுகிறது. இந்த ஆண்டில் மேலும் 100 புதிய கிளைகள் திறக்கப்படும். தற்போது வங்கிக்கு 755 தானியங்கி பணப்பட்டுவாடா இயந்திரங்கள் (ஏ.டி.எம்) உள்ளன. இந்த வருடம் புதிதாக 200 ஏ.டி.எம்கள் திறக்கப்படும்.
படிக்க மாணவ-மாணவிகள் உயர் கல்வி கல்விக்கடன் வழங்கப்பட்டு வருகிறது. சென்ற நிதி ஆண்டில் ரூ.540 கோடியே 17 லட்சம் கல்விக்கடனாக வழங்கப்பட்டுள்ளது. 66 ஆயிரத்து 280 மாணவ-மாணவிகளுக்கு கல்வி கடன் வழங்கப்பட்டது.
இந்த வருடமும் சிறப்பாக கல்விக்கடன் வழங்க ஏற்பாடு செய்யப்பட்டுள்ளது. மாணவர்கள் கல்விக்கடனுக்கு விண்ணப்பங்களை ஆன்லைன் மூலம் பெற்று, ஆன்லைன் மூலமே விண்ணப்பிக்கலாம். கல்வி கடனை விரைந்து வழங்க உத்தரவிட்டுள்ளேன். கல்விக்கடன் வழங்குவதில் காலதாமதம் ஏற்படாது என்று எம்.எஸ்.சுந்தரராஜன் தெரிவித்தார்.
HOW TO APPLY A LOAN?
sir,how to apply a loan pls send message
“All eligible students who wish to avail the benefits should approach the respective bank branch from where they availed of the education loan and complete the necessary formalities, including obtaining the certification in respect of annual family income from the competent authority at the local level,” the official said.
3. APPLICABILITY OF THE SCHEME:
The scheme detailed below could be adopted by all Commercial Banks. The scheme provides broad guidelines to the banks for operationalising the educational loan scheme and the implementing bank will have the discretion to make changes suiting to the convenience of the students/parents to make it more customer friendly.
The scheme details are as under:
4. ELIGIBILITY CRITERIA:
4.1 Courses Eligible
1. Studies in India:
School education including plus 2 stage.
Graduation courses: BA, B.Com., B.Sc., etc.
Post Graduation courses: Masters & Ph.D.
Professional courses: Engineering, Medical, Agriculture, Veterinary, Law, Dental, Management, Computer etc
Computer certificate courses of reputed institutes accredited to Deptt. of Electronics or institutes affiliated to university.
Courses like ICWA, CA, CFA etc.
Courses conducted by IIM, IIT,IISc,XLRI,NIFT ETC.
Courses offered in India by reputed foreign universities.
Evening courses of approved institutes
Other courses leading to diploma /degree etc. conducted by colleges/universities approved by UGC/Govt./AICTE/AIBMS/ICMR etc.
Courses offered by National Institutes and other reputed private institutions. Banks may have the system of appraising other institution courses depending on future prospects/recognition by user institutions.
b. Studies abroad:
* Graduation For job oriented professional/technical courses offered by reputed universities.
* Post graduation MCA, MBA, MS, etc.
* Courses conducted by CIMA – London, CPA in USA etc.
4.2 Student eligibility
Should be an Indian National.
Secured admission to professional/technical courses through Entrance Test/Selection process.
Secured admission to foreign university/institutions
Should have scored minimum 60% (50% for SC/STs) in the qualifying Examination for admission to graduation courses.
4.3 Expenses considered for loan:
Fee payable to college/school/hostel
Examination /Library/Laboratory fee.
Purchase of books/equipments/instruments/uniforms
Caution deposit/building fund/refundable deposit supported by institution bills/receipts
Travel expenses/passage money for studies abroad
Purchase of computers – essential for completion of the course.
Any other expense required to complete the course – like study tours, project work, thesis, etc.
5 QUANTUM OF FINANCE:
Need based finance subject to repaying capacity of the parents/students with margin and the following ceilings.
Studies in India – Maximum Rs.7.50 lacs
Studies abroad – Maximum Rs.15 lacs
Up to Rs.2 lacs Nil
Above Rs.2 lacs : Studies in India 15%
: Studies Abroad 25%
Scholarship/assistantship to be included in margin
Margin may be brought-in on year-to-year basis as and when disbursements are made on a pro-rata basis.
Up to Rs.2 lacs No security
Above Rs.2 lacs Collateral security equal to 100 % of the loan Amount of guarantee of third person known to bank for 100% of the loan amount.
The document should be executed by both the student and the guardian.
The security can be in the form of land /building /Govt.securities /Public Sector Bonds/Units of UTI,NSC,KVP,LIC policy, gold, shares/debentures, bank deposit in the name of student parent/guardian or any other third party with suitable margin.
Wherever the land/building is already mortgaged, the unencumbered portion Can be taken as security on 11-charge basis provided it covers the required Loan amount.
In case the loan is given for purchase of computer the same to be Hypothecated to the Bank.
Banks who wish to support highly meritorious/deserving students without security may delegate such powers to a fairly higher-level authority.
8 RATE OF INTEREST:
Up to Rs. 2 lacs PLR
Above Rs.2 lacs PLR + 1%
The interest to be debited quarterly/half yearly on simple basis during the Repayment holiday/ Moratorium period.
Penal interest @ 2% be charged for above Rs.2 lacs for the overdue amount and overdue period.
The loan to be sanctioned as per delegation of powers preferably by the Branch nearest to the place of domicile.
No application for educational loan received should be rejected without the concurrence of the next higher authority.
The loan to be disbursed in stages as per the requirement/demand directly to the institutions/Vendors of books/equipments/instruments to the extent possible.
Repayment holiday/Moratorium Course period + 1 year or 6 months after getting job, whichever is earlier.
The loan to be repaid in 5-7 years after commencement of repayment If the student is not able to complete the course within the scheduled time extension of time for completion of course may be permitted for a maximum period of 2 years. If the student is not able to complete the course for reasons beyond his control, sanctioning authority may at his discretion consider such extensions as may be deemed necessary to complete the course.
The accrued interest during the repayment holiday period to be added to the principal and repayment in Equated Monthly Installments (EMI) fixed.
1-2% interest concession may be provided for loanees if the interest is serviced during the study period when repayment holiday is specified for interest/ repayment under the scheme.
11. FOLLOW UP:
Banks to contact college/university authorities to send the progress report at regular intervals in respect of students who have availed loans.
12 PROCESSING CHARGES:
No processing/upfront charges may be collected on educational loans.
13. CAPABILITY CERTIFICATE
Banks can also issue the capability certificate for students going abroad for higher studies. For this financial and other supporting documents may be obtained from applicant, if required.
(Some of the foreign universities require the students to submit a certificate from their bankers about the sponsors solvency/financial capability, with a view to ensure that the sponsors of the students going abroad for higher studies are capable of meeting the expenses till completion of studies.)
14. OTHER CONDITIONS:
No due certificate need not be insisted upon as a pre-condition for considering educational loan. However. Banks may obtain a declaration/an affidavit confirming that no loans are availed from other banks.
Loan applications have to be disposed of within a period of 15 days to 1 month, but not exceeding the time norms stipulated for disposing of loan applications under priority sector lending.
In order to bring flexibility in terms like eligibility, margin, security norms, banks may consider relaxation in the norms on a case to case basis delegating the powers to a fairly higher level authority.
Sir, how to apply a loan.. please send message…
தோழி பிரியா ,
இந்த சுட்டியை பார்க்கவும்
sir,i completed my UG in first class and i had admission for MBA through anna university counselling i applied the loan in indian bank at my nearest Branch. The manager didnt accept my application and said no loan for you.they tell the reason in b/w my ug i had arriers but now i cleared and get first class. in this me and my mom hurted more i hoped inthis way only i pay my fee now what can i do?plz send me the best way.my SSLC 86% And HSC 75% and my UG 64%.
Almost a year and a half after the Maharashtra ATS arrested Sadhvi Pragya and a serving officer in the Indian Army, Lt. col. Purohit, for their alleged involvement in the Malegaon bomb blasts of 2008, the Rajasthan ATS arrested Devendra Gupta and Chandrashekhar Barod, men with close links to the RSS and its assorted organizations, as key suspects in the Ajmer Sharif blasts of 2007. The CBI has now revealed that in fact Hindutva groups may have been behind all the blasts that rocked the country that year—from the Samjhauta Express (February 2007) to Mecca Masjid in Hyderabad (May 2007) to the Sufi shrine in Ajmer (October 2007). The CBI joined the dots between the three blasts on the basis that all bombs had the same arming devices, which were procured from Indore; further the nature of phone timer devices, kinds of explosives used, common identity proofs used to obtain sim cards point to the links between these blasts.
ut to return to the recent revelations, this is not the first time that such a link between the three blasts has been suggested. In November 2008 itself, soon after Hemant Karkare’s ATS made these daring arrests, Mahant Amritanand alias Dayanand Pande, an aide of Pragya and Purohit, had been questioned in connection with the Samjhauta Express blasts by the Haryana ATS. There were other clues too: the suitcase in the Samjhauta Express was traced to Indore—the epicenter of Hindutva activities (along with Dangs); in 2008 itself the Maharashtra ATS had communicated to the Hyderabad police the sensational claim by Purohit that he had provided the RDX used in Mecca Masjid blast (Times of India, May 06, 2010). Purohit had been chargesheeted for procuring the RDX from the army inventory when he was posted in Jammu and Kashmir in 2006. However, there was no willingness to question and disturb the neat and easy connections between ‘terrorism’ and ‘Jihadist’ groups.
The Hyderabad police, already having arrested, illegally detained and tortured scores of Muslim men at private farm houses was in no mood to investigate the Purohit angle. It refused even to take custody of the man for questioning (contrast this with the manner in which various blasts accused linked to a shadowy organization called Indian Mujahideen were made to shuttle between states, as various state police vied to question them). The blame for the Mecca Masjid blasts was conveniently laid at the doors of Harkat-ul-Jihad-e-Islami (HUJI). Indeed, the Maharashtra ATS was asked not to make this public. Similarly, the attack on the dargah in Ajmer was shown to be the handiwork of hardline jihadists waging war against popular Islam. This is likely where the Pune blasts investigations are headed. After pursuing the Hindutva angle for a month, facing heat from an angry opposition, the Maharshtra Home Minister dropped Raghuvanshi as the ATS chief in favour of Rakesh Maria, who since has faithfully deflected the investigation back to the usual track of Indian Mujahideen. Maria, it will be recalled is the man accused by Vinita Kamte, widow of the slain ATS officer Ashok Kamte, of ignoring the then ATS chief Hemant Karkare’s calls for reinforcement on the night of 26/11. The trumpeting of the IM angle in Pune is all the more suspect given that the recent chargesheets filed by the NIA in the Goa blast case of 2009 lead to the radical saffron outfit Sanatan Sansthan in Pune.
As the details of the extensive network of Hindutva terror emerge as also the reality that there has been willful suppression of their activities by the investigating agencies – helped along no doubt by the prevailing political climate – all previous investigations need to be revisited. In particular the Malegaon blasts of 2006, where all contrary evidence such as the recovery of fake beard by a local tailor from the dead bodies, were ignored; the ATS’ claim at that time that “RDX is only available to Islamic terrorist outfits” was also belied by Purohit’s access to RDX. In a severe and damaging rebuff to the prosecution in the Jaipur blasts case of 2008, as many as eleven witnesses have turned hostile, accusing the Rajasthan police of pressuring them to sign statements under duress.
What is required urgently is a thoroughgoing enquiry into all the bomb blasts that have taken place in the last few years: from the blasts in UP, Mumbai train blasts, Delhi, Jaipur, Ahmedabad, Hyderabad as well as Modasa and Nanded, and a strict scrutiny of the Hindutva organizations and their links to the RSS. But above all, there must be an end to impunity. All those who have falsely framed innocents in terror cases, inflicted torture, forged evidence, bullied witnesses, and misrepresented facts in chargesheets ought to be prosecuted. The Special Cells, the ATS, STFs and police departments must be made to realize – through punishments and convictions – that they simply have not been handed a blank cheque, which they can encash every time they spot a Muslim after a bomb blast.
ஆமாம் பா, யாராக இருந்தாலும் சரி குண்டு வைக்காதீங்க !