{"id":4271,"date":"2025-01-25T15:15:58","date_gmt":"2025-01-25T09:45:58","guid":{"rendered":"https:\/\/fly.finance\/blog\/?p=4271"},"modified":"2025-01-25T15:16:00","modified_gmt":"2025-01-25T09:46:00","slug":"jito-education-loan","status":"publish","type":"post","link":"https:\/\/fly.finance\/blog\/education-loan\/jito-education-loan\/","title":{"rendered":"Jito Education Loan to Study Abroad: Rates, Eligibility, Process"},"content":{"rendered":"\n<p>The JITO education loan study abroad program is initiated by the Jain International Trade Organisation (JITO). It is designed to provide financial assistance specifically to Jain students pursuing higher education abroad. This program offers interest subsidies on loans taken from banks or non-banking financial companies (NBFCs), making it easier for eligible students to manage their educational expenses.<\/p>\n\n\n\n<p>Students can apply for loans up to INR 20 lakh for overseas studies and up to INR 10 lakh for studies within India. The minimum loan amount is set at more than INR 50,000. An interest subsidy of 4-6% also applies based on the loan amount. You can easily apply online with zero registration costs. In this blog, we will explore the details of the JITO education loan to study abroad and learn about the eligibility, application, and more.<\/p>\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2 id=\"table-of-contents\">Table of contents<\/h2><ul><li><a href=\"#h-jito-education-loan-to-study-abroad\" data-level=\"2\">Jito Education Loan\u00a0to Study Abroad<\/a><\/li><li><a href=\"#h-jito-education-loan-interest-rates\" data-level=\"2\">Jito Education Loan Interest Rates<\/a><\/li><li><a href=\"#h-eligibility-criteria-nbsp\" data-level=\"2\">Eligibility Criteria\u00a0<\/a><\/li><li><a href=\"#h-application-process-nbsp\" data-level=\"2\">Application Process\u00a0<\/a><\/li><li><a href=\"#h-documents-required-for-jito-abroad-education-loan\" data-level=\"2\">Documents Required for Jito Abroad Education Loan<\/a><\/li><li><a href=\"#h-how-to-claim-interest-subsidy-with-jito\" data-level=\"2\">How to Claim Interest Subsidy with Jito?<\/a><\/li><li><a href=\"#h-how-to-apply-for-jito-education-loan-to-study-abroad\" data-level=\"2\">How to Apply for Jito Education Loan to Study Abroad<\/a><\/li><li><a href=\"#h-faqs\" data-level=\"2\">FAQs<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-jito-education-loan-to-study-abroad\"><span id=\"jito-education-loan-to-study-abroad\">Jito Education Loan\u00a0to Study Abroad<\/span><\/h2>\n\n\n\n<p>The Jito education loan to study abroad program is exclusively for students belonging to the Jain community. Applicants must be competent, deserving, and needy, with a maximum age limit of 30 years. They should have secured admission to a recognized higher education program above the Higher Secondary Certificate (HSC) level.<\/p>\n\n\n\n<p>Students can apply for loans up to INR 20 lakh for overseas studies with a minimum loan amount of INR 50,000. There are no registration fees associated with applying for the JITO Education Loan. Students also benefit from a 6% interest subsidy, for loans up to INR 4 lakh. For loans exceeding INR 4 lakh, a 2% interest subsidy applies.<\/p>\n\n\n\n<p>This subsidy is available throughout the course, significantly reducing the financial burden on students. Applications must be submitted between April 1 and July 31 each year. Students need to fill out an application form and provide the necessary documentation, including proof of admission, income statements, and other identification documents.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><strong>Scheme&nbsp;<\/strong><\/td><td>JITO Education Loan Scheme<\/td><\/tr><tr><td><strong>Eligible Loan Amount&nbsp;<\/strong><\/td><td>More than INR 50,000<\/td><\/tr><tr><td><strong>Interest Rate<\/strong><\/td><td>10.25% p.a to 11.50% p.a<\/td><\/tr><tr><td><strong>Interest Subsidy&nbsp;<\/strong><\/td><td>Below INR 4 lakh \u2013 6%<br>Above INR 4 lakh \u2013 2%<\/td><\/tr><tr><td><strong>Cost of Registration&nbsp;<\/strong><\/td><td>Nil<\/td><\/tr><tr><td><strong>Duration&nbsp;<\/strong><\/td><td>Interest subsidy provided for the entire course duration&nbsp;<\/td><\/tr><tr><td><strong>Application Timeline&nbsp;<\/strong><\/td><td>April 1 to 31 July&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong>Also Read: <\/strong><a href=\"https:\/\/fly.finance\/blog\/education-loan\/nbfc-education-loan-for-studying-abroad\/\"><strong>NBFC EDUCATION LOAN FOR STUDYING ABROAD<\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-jito-education-loan-interest-rates\"><span id=\"jito-education-loan-interest-rates\">Jito Education Loan Interest Rates<\/span><\/h2>\n\n\n\n<p>The interest rate on the Jito Education Loan depends on various factors such as the loan amount and the applicant\u2019s gender. Here&#8217;s a breakdown:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>For loan amounts up to Rs. 1 lakh<\/strong>:\n<ul class=\"wp-block-list\">\n<li><strong>Male candidates<\/strong>: 5% annual interest on the loan amount.<\/li>\n\n\n\n<li><strong>Female candidates<\/strong>: 4.5% annual interest on the loan amount.<\/li>\n\n\n\n<li><strong>Additional Contribution by JITO<\/strong>: JITO will contribute the remaining interest (5.75% for males and 4.25% for females) to cover the full interest rate on the loan.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>For loan amounts between Rs. 1 lakh and Rs. 4 lakh<\/strong>:\n<ul class=\"wp-block-list\">\n<li><strong>Male candidates<\/strong>: 10.75% annual interest on the loan amount.<\/li>\n\n\n\n<li><strong>Female candidates<\/strong>: 10.25% annual interest on the loan amount.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>For loan amounts above Rs. 4 lakh<\/strong>:\n<ul class=\"wp-block-list\">\n<li><strong>Male candidates<\/strong>: 11.50% annual interest on the loan amount.<\/li>\n\n\n\n<li><strong>Female candidates<\/strong>: 11% annual interest on the loan amount.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Interest Reduction for Regular Payments<\/strong>:\n<ul class=\"wp-block-list\">\n<li>If interest payments are made regularly while studying, the interest rate will be reduced by 1% for both male and female candidates.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-eligibility-criteria-nbsp\"><span id=\"eligibility-criteria\">Eligibility Criteria&nbsp;<\/span><\/h2>\n\n\n\n<p>To be eligible for the JITO Education Loan, applicants must meet specific criteria aimed at supporting Jain students in their pursuit of higher education. This program is designed to assist those who are not only academically capable but also committed to the principles of the Jain faith. <\/p>\n\n\n\n<p>The eligibility requirements ensure that support is directed towards deserving candidates who demonstrate financial need and academic merit.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>The student must belong to the Jain community, and be a believer and follower of the faith and its principles.<\/li>\n\n\n\n<li>Moreover, the age limit is 30 years old. The student cannot be older than that.&nbsp;<\/li>\n\n\n\n<li>The student must secure admission to a recognised course and university.<\/li>\n\n\n\n<li>The student should have an academic record of scoring more than 50% after Class X results.&nbsp;<\/li>\n\n\n\n<li>The loan taken should be more than INR 50,000.&nbsp;<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-application-process-nbsp\"><span id=\"application-process\">Application Process&nbsp;<\/span><\/h2>\n\n\n\n<p>To apply for this scheme, note the steps below.&nbsp;<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Visit the JATF website.&nbsp;<\/li>\n\n\n\n<li>Download the registration form.&nbsp;<\/li>\n\n\n\n<li>Duly fill out the form and submit it before the mentioned date.&nbsp;<\/li>\n\n\n\n<li>You will be given a registration number on successful completion and submission of the form. If there are any discrepancies, they will be communicated to you via email.&nbsp;<\/li>\n\n\n\n<li>As there is no cost for registration, this process is free of any charges.&nbsp;<\/li>\n<\/ol>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong>Also Read: <\/strong><a href=\"https:\/\/fly.finance\/blog\/education-loan\/indian-bank-abroad-education-loan\/\"><strong>INDIAN BANK ABROAD EDUCATION LOAN<\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-documents-required-for-jito-abroad-education-loan\"><span id=\"documents-required-for-jito-abroad-education-loan\">Documents Required for Jito Abroad Education Loan<\/span><\/h2>\n\n\n\n<p>To apply for the JITO Education Loan, applicants must submit a variety of documents to ensure eligibility and facilitate the loan process. Here is a comprehensive list of required documents that students and guardians need to submit.<\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>Identity Documents<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Passport<\/strong>: A copy of your valid passport.<\/li>\n\n\n\n<li><strong>Photographs<\/strong>: Recent passport-sized photographs.<\/li>\n\n\n\n<li><strong>Aadhaar Card<\/strong>: A copy of your Aadhaar card (if applicable).<\/li>\n\n\n\n<li><strong>KYC Documents<\/strong>: Proof of identity and address (e.g., voter ID, driver\u2019s license, or utility bills).<\/li>\n<\/ul>\n\n\n\n<p class=\"has-medium-font-size\"><strong>Academic Documents<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Admission Letter<\/strong>: The letter confirming your admission to the university abroad.<\/li>\n\n\n\n<li><strong>Mark Sheets &amp; Transcripts<\/strong>: Copies of your latest academic records.<\/li>\n\n\n\n<li><strong>Degree Certificates<\/strong>: If you\u2019ve completed previous education, include the degree or certificate.<\/li>\n\n\n\n<li><strong>Standardized Test Scores<\/strong>: Copies of scores from exams like GRE, GMAT, IELTS, TOEFL, etc., if applicable.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-medium-font-size\"><strong>Income Documents<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Income Proof of Parent\/Guardian<\/strong>: Income tax returns, salary slips, or bank statements for the last 6 months to prove the income of your parent or guardian.<\/li>\n\n\n\n<li><strong>Bank Statements<\/strong>: Bank account statements of the borrower or co-borrower for the past 6 months.<\/li>\n\n\n\n<li><strong>Form 16 or IT Returns<\/strong>: Income tax returns of the co-borrower (parent\/guardian).<\/li>\n<\/ul>\n\n\n\n<p class=\"has-medium-font-size\"><strong>Other Documents<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Collateral Documents<\/strong>: If you&#8217;re pledging any assets as collateral (like property), provide the required documents (e.g., property title deed).<\/li>\n\n\n\n<li><strong>Co-borrower Details<\/strong>: If there is a co-borrower, provide their identity proof and income proof as well.<\/li>\n\n\n\n<li><strong>Visa<\/strong>: A copy of your student visa (once approved).<\/li>\n\n\n\n<li><strong>Course Fee Details<\/strong>: A breakdown of the course fee, including tuition, hostel, and other expenses.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-claim-interest-subsidy-with-jito\"><span id=\"how-to-claim-interest-subsidy-with-jito\">How to Claim Interest Subsidy with Jito?<\/span><\/h2>\n\n\n\n<p>After you have applied to avail of the interest subsidy with the Jito Education loan, here are the steps to claim the interest subsidy:&nbsp;<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>First, please note that the procedure to claim the interest subsidy starts from April 1 of every academic year<\/li>\n\n\n\n<li>Students can either download the application form from the website or send an email to <a href=\"mailto:jelp@jatf.in\">jelp@jatf.in<\/a><\/li>\n\n\n\n<li>Students must make sure to send the application form to claim the subsidy with duly filled out details and required documents to the JATF head office before or on July 31 of the academic year<\/li>\n\n\n\n<li>Furthermore, the application form must contain the signature of the student and the bank manager from where they have taken the loan.&nbsp;<\/li>\n<\/ol>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong>Also Read: <\/strong><a href=\"https:\/\/fly.finance\/blog\/education-loan\/student-loan-debt\/\"><strong>STUDENT LOAN DEBT: RELIEF, APPLICATION, CALCULATOR, PLAN<\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-apply-for-jito-education-loan-to-study-abroad\"><span id=\"how-to-apply-for-jito-education-loan-to-study-abroad\">How to Apply for Jito Education Loan to Study Abroad<\/span><\/h2>\n\n\n\n<p>To apply for a Jito education loan to study abroad, applicants must visit the official website of JITO JEAP. You need to fill out an application form and provide the necessary documentation, including proof of admission, income statements, and other identification documents. Check out the steps to apply for a Jito abroad education loan-<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Check your eligibility criteria for foreign education and keep the required documents ready.<\/li>\n\n\n\n<li>Fill out the application form and enter your personal details. Besides, you need to provide the details of family, education, funding, and guarantor.<\/li>\n\n\n\n<li>Upload the documents, review your application, and submit.<\/li>\n\n\n\n<li>If you have any questions or need assistance, you can email support.jitojeap@jito.org. They typically respond within 24 to 48 hours<\/li>\n<\/ul>\n\n\n\n<p>Remember, JEAP\u2019s working hours are 9 AM to 5 PM, Monday to Friday. Make sure you apply during these hours if you need support. <\/p>\n\n\n\n<p>Furthermore, the students who want to avail themselves of the Jito education loan scheme need to register themselves within three months of the loan being sanctioned or before March 31. If you want to apply for this then the period is from April 1 to July 31.<\/p>\n\n\n\n<p>This was all about Jito education loan to study abroad. This program not only facilitates access to higher education but also aims to empower the Jain community by promoting educational excellence. By alleviating financial constraints through interest subsidies, it enables students to focus on their studies without the added stress of high loan repayments.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs\"><span id=\"faqs\">FAQs<\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1737797823096\"><strong class=\"schema-faq-question\">What is the JITO Education Loan?<\/strong> <p class=\"schema-faq-answer\">The JITO Education Loan is an interest subsidy program designed to assist Jain students in pursuing higher education, particularly abroad, by providing financial support through interest subsidies on loans obtained from banks or NBFCs.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684913607044\"><strong class=\"schema-faq-question\"><strong>Who is eligible to apply for the JITO Education Loan?<\/strong><\/strong> <p class=\"schema-faq-answer\">Eligible applicants must be Jain students aged 30 years or younger, have secured admission to a recognized institution, and must have scored at least 60% in their examinations after Class 10.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684913620860\"><strong class=\"schema-faq-question\"><strong>What is the interest rate of JITO loan?<\/strong><\/strong> <p class=\"schema-faq-answer\">Jito Education Loan offers:<br\/>&#8211; 5% interest for male students and 4.5% for female students on loans up to Rs. 1 lakh, with JITO covering the remaining interest.<br\/>&#8211; For loans between Rs. 1 lakh and Rs. 4 lakh, males pay 10.75% and females pay 10.25%.<br\/>&#8211; For loans above Rs. 4 lakh, males pay 11.50% and females pay 11%.<br\/>&#8211; Regular interest payments while studying reduce the rate by 1%.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684913628993\"><strong class=\"schema-faq-question\"><strong>What is the education loan for Jain students?<\/strong><\/strong> <p class=\"schema-faq-answer\">Jain International Trade Organisation (JITO) Education loan is for students belonging to the Jain faith.\u00a0<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1737797873902\"><strong class=\"schema-faq-question\">What is the maximum loan amount available?<\/strong> <p class=\"schema-faq-answer\">Students can apply for loans up to INR 20 lakh for overseas studies and up to INR 10 lakh for higher education within India.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1737797908071\"><strong class=\"schema-faq-question\">What is the interest subsidy provided under this loan?<\/strong> <p class=\"schema-faq-answer\">The program offers a 6% interest subsidy for loans up to INR 4 lakh and a 2% subsidy for loans exceeding that amount, applicable for the duration of the course.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1737797927916\"><strong class=\"schema-faq-question\">Are there any fees associated with Jito education loan?<\/strong> <p class=\"schema-faq-answer\">There is no registration fee required to apply for the JITO Education Loan, making it accessible for eligible students.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1737798131443\"><strong class=\"schema-faq-question\">What documents are required to apply?<\/strong> <p class=\"schema-faq-answer\">Applicants need to submit various documents, including proof of admission, academic records, identity verification (such as PAN and Aadhaar cards), and financial statements from parents.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1737798140090\"><strong class=\"schema-faq-question\">How can students apply for the JITO Education Loan?<\/strong> <p class=\"schema-faq-answer\">Students must fill out an application form available on the official JITO website and submit it along with the required documents during the application period from April 1 to July 31 each year.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1737798150459\"><strong class=\"schema-faq-question\">Is there a specific timeline for Jito education loan application?<\/strong> <p class=\"schema-faq-answer\">Yes, applications must be submitted between April 1 and July 31 each year, and students should register within three months of receiving their loan sanction letter.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1737798169256\"><strong class=\"schema-faq-question\">What happens if I do not repay my loan on time?<\/strong> <p class=\"schema-faq-answer\">Repayment terms may vary based on individual circumstances; however, students are generally expected to start repayment after completing their course.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1737798196458\"><strong class=\"schema-faq-question\">Can non-Jain students apply for the JITO Education Loan?<\/strong> <p class=\"schema-faq-answer\">No, non-Jain students are not eligible to apply for the JITO Education Loan. The program specifically targets Jain students who adhere to the principles of Jainism.<\/p> <\/div> <\/div>\n\n\n\n<p>To learn more about <a href=\"https:\/\/fly.finance\/loans\"><strong>education loans<\/strong><\/a>, the best <a href=\"https:\/\/fly.finance\/international-bank-account\"><strong>bank accounts for students<\/strong><\/a>, <a href=\"https:\/\/fly.finance\/forex\"><strong>forex,<\/strong><\/a> banking experience for global students, or international money transfers, reach out to our experts at 1800572126 to help ease your experience with studying abroad.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-pale-ocean-gradient-background has-background has-fixed-layout\"><tbody><tr><td colspan=\"2\"><strong>Additional Reads<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/student-account\/best-student-bank-account\/\"><strong>Best Student Bank Account to Open for Study Abroad<\/strong><\/a><\/td><td><a 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Ireland for International Students<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/student-account\/germany-blocked-accounts-for-international-students\/\"><strong>Germany Blocked Accounts for International Students<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/student-account\/bank-account-for-international-students\/\"><strong>How to Open a Bank Account for International Students<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/student-account\/idfc-credit-card-for-students\/\"><strong>IDFC Credit Card for Students to Study Abroad<\/strong><\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Follow Us on Social Media <\/strong><\/p>\n\n\n\n<ul class=\"wp-block-social-links is-layout-flex wp-block-social-links-is-layout-flex\"><li class=\"wp-social-link wp-social-link-instagram  wp-block-social-link\"><a href=\"https:\/\/instagram.com\/flydotfinance\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" 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c0,1.424,0.724,2.679,1.825,3.415c-0.673-0.021-1.305-0.206-1.859-0.513c0,0.017,0,0.034,0,0.052c0,1.988,1.414,3.647,3.292,4.023 c-0.344,0.094-0.707,0.144-1.081,0.144c-0.264,0-0.521-0.026-0.772-0.074c0.522,1.63,2.038,2.816,3.833,2.85 c-1.404,1.1-3.174,1.756-5.096,1.756c-0.331,0-0.658-0.019-0.979-0.057c1.816,1.164,3.973,1.843,6.29,1.843 c7.547,0,11.675-6.252,11.675-11.675c0-0.178-0.004-0.355-0.012-0.531C20.985,7.47,21.68,6.747,22.23,5.924z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Twitter<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-facebook  wp-block-social-link\"><a href=\"https:\/\/www.facebook.com\/Flydotfinance\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 2C6.5 2 2 6.5 2 12c0 5 3.7 9.1 8.4 9.9v-7H7.9V12h2.5V9.8c0-2.5 1.5-3.9 3.8-3.9 1.1 0 2.2.2 2.2.2v2.5h-1.3c-1.2 0-1.6.8-1.6 1.6V12h2.8l-.4 2.9h-2.3v7C18.3 21.1 22 17 22 12c0-5.5-4.5-10-10-10z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Facebook<\/span><\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>The JITO education loan study abroad program is initiated by the Jain International Trade Organisation (JITO). It is designed to provide financial assistance specifically to Jain students pursuing higher education abroad. This program offers interest subsidies on loans taken from banks or non-banking financial companies (NBFCs), making it easier for eligible students to manage their &#8230; <a title=\"Jito Education Loan to Study Abroad: Rates, Eligibility, Process\" class=\"read-more\" href=\"https:\/\/fly.finance\/blog\/education-loan\/jito-education-loan\/\" aria-label=\"Read more about Jito Education Loan to Study Abroad: Rates, Eligibility, Process\">Read more<\/a><\/p>\n","protected":false},"author":29,"featured_media":17296,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21],"tags":[],"class_list":["post-4271","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-education-loan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Jito Education Loan to Study Abroad: Rates, Eligibility, Process | Fly Finance<\/title>\n<meta name=\"description\" content=\"Know all about jito education loan - 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I'm Shubhika- a proud graduate in English Literature and Language from Delhi University. My journey as a content writer transitioned from online teacher into the world of words. Stepping into the domain of blogs and articles, I discovered my passion for writing growing deeper and stronger. Having said that, I have experience of writing for diverse industries in automobile, technology, ed-tech, finance and mental-health; crafting details to help you find the solution to what you are looking for. Join me as I invite you all explore and learn together.","sameAs":["https:\/\/www.facebook.com\/shubhika.garg\/","https:\/\/www.instagram.com\/shubhika.garg\/","https:\/\/www.linkedin.com\/in\/shubhikagarg71\/","https:\/\/www.tumblr.com\/blog\/shubhikahere"],"url":"https:\/\/fly.finance\/blog\/author\/shubhika\/"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/jito-education-loan\/#faq-question-1737797823096","position":1,"url":"https:\/\/fly.finance\/blog\/education-loan\/jito-education-loan\/#faq-question-1737797823096","name":"What is the JITO Education Loan?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The JITO Education Loan is an interest subsidy program designed to assist Jain students in pursuing higher education, particularly abroad, by providing financial support through interest subsidies on loans obtained from banks or NBFCs.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/jito-education-loan\/#faq-question-1684913607044","position":2,"url":"https:\/\/fly.finance\/blog\/education-loan\/jito-education-loan\/#faq-question-1684913607044","name":"Who is eligible to apply for the JITO Education Loan?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Eligible applicants must be Jain students aged 30 years or younger, have secured admission to a recognized institution, and must have scored at least 60% in their examinations after Class 10.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/jito-education-loan\/#faq-question-1684913620860","position":3,"url":"https:\/\/fly.finance\/blog\/education-loan\/jito-education-loan\/#faq-question-1684913620860","name":"What is the interest rate of JITO loan?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Jito Education Loan offers:<br\/>- 5% interest for male students and 4.5% for female students on loans up to Rs. 1 lakh, with JITO covering the remaining interest.<br\/>- For loans between Rs. 1 lakh and Rs. 4 lakh, males pay 10.75% and females pay 10.25%.<br\/>- For loans above Rs. 4 lakh, males pay 11.50% and females pay 11%.<br\/>- Regular interest payments while studying reduce the rate by 1%.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/jito-education-loan\/#faq-question-1684913628993","position":4,"url":"https:\/\/fly.finance\/blog\/education-loan\/jito-education-loan\/#faq-question-1684913628993","name":"What is the education loan for Jain students?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Jain International Trade Organisation (JITO) Education loan is for students belonging to the Jain faith.\u00a0","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/jito-education-loan\/#faq-question-1737797873902","position":5,"url":"https:\/\/fly.finance\/blog\/education-loan\/jito-education-loan\/#faq-question-1737797873902","name":"What is the maximum loan amount available?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Students can apply for loans up to INR 20 lakh for overseas studies and up to INR 10 lakh for higher education within India.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/jito-education-loan\/#faq-question-1737797908071","position":6,"url":"https:\/\/fly.finance\/blog\/education-loan\/jito-education-loan\/#faq-question-1737797908071","name":"What is the interest subsidy provided under this loan?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The program offers a 6% interest subsidy for loans up to INR 4 lakh and a 2% subsidy for loans exceeding that amount, applicable for the duration of the course.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/jito-education-loan\/#faq-question-1737797927916","position":7,"url":"https:\/\/fly.finance\/blog\/education-loan\/jito-education-loan\/#faq-question-1737797927916","name":"Are there any fees associated with Jito education loan?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"There is no registration fee required to apply for the JITO Education Loan, making it accessible for eligible students.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/jito-education-loan\/#faq-question-1737798131443","position":8,"url":"https:\/\/fly.finance\/blog\/education-loan\/jito-education-loan\/#faq-question-1737798131443","name":"What documents are required to apply?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Applicants need to submit various documents, including proof of admission, academic records, identity verification (such as PAN and Aadhaar cards), and financial statements from parents.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/jito-education-loan\/#faq-question-1737798140090","position":9,"url":"https:\/\/fly.finance\/blog\/education-loan\/jito-education-loan\/#faq-question-1737798140090","name":"How can students apply for the JITO Education Loan?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Students must fill out an application form available on the official JITO website and submit it along with the required documents during the application period from April 1 to July 31 each year.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/jito-education-loan\/#faq-question-1737798150459","position":10,"url":"https:\/\/fly.finance\/blog\/education-loan\/jito-education-loan\/#faq-question-1737798150459","name":"Is there a specific timeline for Jito education loan application?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes, applications must be submitted between April 1 and July 31 each year, and students should register within three months of receiving their loan sanction letter.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/jito-education-loan\/#faq-question-1737798169256","position":11,"url":"https:\/\/fly.finance\/blog\/education-loan\/jito-education-loan\/#faq-question-1737798169256","name":"What happens if I do not repay my loan on time?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Repayment terms may vary based on individual circumstances; however, students are generally expected to start repayment after completing their course.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/jito-education-loan\/#faq-question-1737798196458","position":12,"url":"https:\/\/fly.finance\/blog\/education-loan\/jito-education-loan\/#faq-question-1737798196458","name":"Can non-Jain students apply for the JITO Education Loan?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"No, non-Jain students are not eligible to apply for the JITO Education Loan. The program specifically targets Jain students who adhere to the principles of Jainism.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/4271","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/users\/29"}],"replies":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/comments?post=4271"}],"version-history":[{"count":7,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/4271\/revisions"}],"predecessor-version":[{"id":17298,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/4271\/revisions\/17298"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/media\/17296"}],"wp:attachment":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/media?parent=4271"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/categories?post=4271"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/tags?post=4271"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}