{"id":6209,"date":"2023-07-06T13:58:27","date_gmt":"2023-07-06T08:28:27","guid":{"rendered":"https:\/\/fly.finance\/blog\/?p=6209"},"modified":"2024-06-03T19:11:32","modified_gmt":"2024-06-03T13:41:32","slug":"j-and-k-bank-loan-scheme-to-study-abroad","status":"publish","type":"post","link":"https:\/\/fly.finance\/blog\/education-loan\/j-and-k-bank-loan-scheme-to-study-abroad\/","title":{"rendered":"Jammu and Kashmir Bank Education Loan to Study Abroad"},"content":{"rendered":"\n<p>J and K Bank Education Loan Scheme to study abroad aims to empower ambitious Indian students to pursue their academic dreams in a foreign land. Under this scheme, this scheduled bank offers loans to students enrolling in <strong>top universities in the world<\/strong>. This comprehensive <strong>education loan<\/strong> scheme covers both collateral and <strong>non-collateral student loans<\/strong>. The interest rates of all types of study loans abroad vary from 9% to 14% per annum. To avail of this financial assistance, a student can visit the physical branch of Jammu and Kashmir Bank or apply online via Fly Finance.\u00a0<\/p>\n\n\n\n<p class=\"has-background\" style=\"background-color:#d2f9f8\"><strong>Must Read:&nbsp;<a href=\"https:\/\/fly.finance\/blog\/education-loan\/unsubsidized-loan-interest-rate\/\">Interest Calculator for Unsubsidized Loans for Students<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-j-and-k-bank-loan-scheme-to-study-abroad\"><span id=\"j-and-k-bank-loan-scheme-to-study-abroad\">J and K Bank Loan Scheme to Study Abroad<\/span><\/h2>\n\n\n\n<p>J and K Bank provides abroad education loans for up to INR 30 lakh to Indian citizens. Students can also apply for a higher loan with a co-applicant. The higher amount depends on the academic record of the student, the income profile of the guarantor, earning potential of the applicant, and the terms and conditions of this scheduled bank.&nbsp;<\/p>\n\n\n\n<p>Let us now look at the key details of the Jammu and Kashmir Abroad Education Loan Scheme:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-background has-fixed-layout\" style=\"background-color:#e8fffe\"><tbody><tr><td><strong>Particulars<\/strong><\/td><td><strong>Details<\/strong><\/td><\/tr><tr><td>Interest Rate<\/td><td>Loans with Collateral: 9% &#8211; 11%; Loans without Collateral: 12% -14%<\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/education-loan\/what-is-moratorium-period-and-how-does-it-work\/\"><strong>Moratorium Period<\/strong><\/a><\/td><td>Course Tenure plus 12 months<\/td><\/tr><tr><td>Loan Repayment Time Limit<\/td><td>Moratorium period + 15 yeras<\/td><\/tr><tr><td>Accepted Co-Applicants\/Co-Signers<\/td><td>Parents\/Siblings\/Spouse\/Parents-in-law<\/td><\/tr><tr><td>Accepted Collateral Security<\/td><td>Flat, House, Land, and Fixed Deposit (FD)<\/td><\/tr><tr><td>Value of Collateral&nbsp;<\/td><td>At least up to 100% of the sanctioned loan amount<\/td><\/tr><tr><td>Prepayment Charges<\/td><td>Nil<\/td><\/tr><tr><td>Processing Charges<\/td><td>1% of the sanctioned loan amount. Maximum cap of INR 5000. The fee is refunded after loan disbursement&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-background\" style=\"background-color:#d2f9f8\"><strong>Also Read: <\/strong><a href=\"https:\/\/fly.finance\/blog\/education-loan\/nbfc-vs-bank-education-loan\/\"><strong>Which Option is Better for Education Loan: NBFC v\/s Bank?<\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-apply-for-j-and-k-bank-loan-scheme-to-study-abroad\"><span id=\"how-to-apply-for-j-and-k-bank-loan-scheme-to-study-abroad\">How to Apply for J and K Bank Loan Scheme to Study Abroad?<\/span><\/h2>\n\n\n\n<p>Indian students planning to study in foreign universities can apply for education loans at J and K Bank offline and online. For the offline route, a student must visit the nearby branch and contact an official. She\/they\/he will get the requisite information from the concerned official and proceed with the application. After acquiring the information, the student needs to provide the required documents and follow the instructions to get an education loan sanctioned.<\/p>\n\n\n\n<p>Or, the student can apply online via Fly Finance. Here is a step-by-step procedure to apply for an effective education loan via Fly by Leverage Edu:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Visit the website of Fly: <a href=\"https:\/\/fly.finance\"><strong>fly.finance<\/strong><\/a><\/li>\n\n\n\n<li>Click on the \u2018Education Loan\u2019 option on the top menu of the home page<\/li>\n\n\n\n<li>Select the <a href=\"https:\/\/fly.finance\/loans\"><strong>\u2018Apply Loan\u2019<\/strong><\/a> option from the drop-down menu<\/li>\n\n\n\n<li>On the new web page, calculate the monthly instalments by clicking on the \u2018Calculate your EMI\u2019 button, which redirects users to <a href=\"https:\/\/fly.finance\/emi-calculator\"><strong>Education Loan EMI Calculator<\/strong><\/a><\/li>\n\n\n\n<li>After calculating the EMI, click on the \u2018Request Callback\u2019 button<\/li>\n<\/ul>\n\n\n\n<p>The student will receive a callback from our education loan experts who will assist you procure loans from their partner banks and any other financial institutions preferred by her\/them\/his.<\/p>\n\n\n\n<p class=\"has-background\" style=\"background-color:#d2f9f8\"><strong>Also Read: <\/strong><a href=\"https:\/\/fly.finance\/blog\/education-loan\/instant-student-loan\/\"><strong>How to Get an Instant Student Loan to Study Abroad?<\/strong><\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-eligibility-criteria\"><span id=\"eligibility-criteria\">Eligibility Criteria<\/span><\/h3>\n\n\n\n<p>To avail J and K Bank loan to study abroad, an individual must meet the following criteria:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>She\/they\/he must be an Indian citizen<\/li>\n\n\n\n<li>She\/they\/he must have secured admission to a foreign university via a merit-based solution or an entrance examination<\/li>\n<\/ul>\n\n\n\n<p class=\"has-background\" style=\"background-color:#d2f9f8\"><strong>Also Read: <\/strong><a href=\"https:\/\/fly.finance\/blog\/education-loan\/student-line-of-credit\/\"><strong>What Is A Student Line Of Credit: Without Cosigner, Calculator, Benefits<\/strong><\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-documents-required\"><span id=\"documents-required\">Documents Required<\/span><\/h3>\n\n\n\n<p>Just like every other private bank in India, J and K Bank also asks for numerous<a href=\"https:\/\/fly.finance\/blog\/education-loan\/documents-required-for-education-loan\/\"><strong> documents required for an education loan <\/strong><\/a>to study abroad. The student has to submit the mandatory documents along with the application process. Listed below are the required documents:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Proof of identity (Aadhar Card\/PAN Card) of the applicant<\/li>\n\n\n\n<li><strong>Passport<\/strong> of the applicant<\/li>\n\n\n\n<li><strong>Academic transcripts<\/strong> of the applicant<\/li>\n\n\n\n<li>2 documents as proof of residence (Ration Card\/Voter ID\/Electricity Bill\/Aadhar Card\/Telephone Bill) of the applicant<\/li>\n\n\n\n<li>Bank account statement for the preceding 6 months for salaried co-applicant and 1-year business transaction proof for self-employed co-applicant<\/li>\n\n\n\n<li>ITR for 2 years for salaried co-applicant and ITR for 3 years for self-employed co-signers<\/li>\n\n\n\n<li>Additional documents such as Advancement Payment Receipts, if applicable, and an account statement for the loan document to check whether there are any outstanding loans.<\/li>\n\n\n\n<li>Property papers or FD documents in case of an education loan with <a href=\"https:\/\/fly.finance\/blog\/education-loan\/collateral-security\/\"><strong>collateral security<\/strong><\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"has-background\" style=\"background-color:#d2f9f8\"><strong>Also Read: <\/strong><a href=\"https:\/\/fly.finance\/blog\/education-loan\/education-loan-on-agricultural-land\/\"><strong>Education Loan by Using Agricultural Land as a Collateral<\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-eligible-courses\"><span id=\"eligible-courses\">Eligible Courses&nbsp;<\/span><\/h2>\n\n\n\n<p>J and K Bank provides abroad education loans to <strong>study in the UK<\/strong>, Germany, the US, <strong>Australia<\/strong>, and various countries. These loans are available for different course levels, provided that the universities and courses are considered for education loans. To check the eligibility of universities and courses, students must reach out to Fly Finance or bank officials.\u00a0<\/p>\n\n\n\n<p>Till then, students can check out the eligible courses here:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Technical and job-oriented undergraduate courses from top universities in the world<\/li>\n\n\n\n<li>Post-graduation courses like MCA, MS, MBA, MTech, etc<\/li>\n\n\n\n<li>Chartered Accountancy programmes such as CPA in the USA and CIMA in London<\/li>\n\n\n\n<li>Shipping, Aeronautical, <strong>Pilot training courses<\/strong>, etc. from accredited universities all over the world<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-expenses-covered\"><span id=\"expenses-covered\">Expenses Covered<\/span><\/h2>\n\n\n\n<p>The J and K Ban Loan Scheme to Study Abroad aims to provide financial aid to students planning to pursue higher studies at foreign universities. Loans offered under this scheme cover study costs, living expenses, and other relevant expenses. Therefore, an abroad education loan from this scheduled bank can help thousands of students realise their dreams.&nbsp;<\/p>\n\n\n\n<p>Here are the expenses covered under J and K Bank education loans:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-background has-fixed-layout\" style=\"background-color:#e8fffd\"><tbody><tr><td><strong>Study Costs<\/strong><\/td><td><strong>Living Expenses<\/strong><\/td><td><strong>Other Expenditure<\/strong><\/td><\/tr><tr><td>Admission Fees; <br>Tuition Fees<br>Laboratory Fees<br>Library Fees<br>Cost of Course Books<br>Cost of Computer<\/td><td>Hostel Fees<br>Caution Fee<br>Food&nbsp;<\/td><td>Travel Expenses&nbsp;<br>Health Insurance<br>Miscellaneous expenditure&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-background\" style=\"background-color:#d2f9f8\"><strong>Also Read: <\/strong><a href=\"https:\/\/fly.finance\/blog\/education-loan\/concessional-educational-loan\/\"><strong>What Is A Concessional Educational Loan In India? Here\u2019s The Complete Guide!<\/strong><\/a><\/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-1688623629596\"><strong class=\"schema-faq-question\">Q1. How much education loan can I get from JK Bank?<\/strong> <p class=\"schema-faq-answer\">Ans: A student going abroad for higher studies can get up to INR 30 lakh from Jammu and Kashmir Bank. She\/they\/he can apply for a higher amount with the help of a co-applicant. This amount, however, depends on the loan policies of the bank.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1688623710603\"><strong class=\"schema-faq-question\">Q2. How much is the moratorium period for JK Bank&#8217;s foreign education loan?<\/strong> <p class=\"schema-faq-answer\">Ans: The moratorium period is course duration plus 1 year.\u00a0<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1688631990251\"><strong class=\"schema-faq-question\">Q3. Can I get 20 lakhs education loan without collateral to study abroad?<\/strong> <p class=\"schema-faq-answer\">Ans: Education loans are made available by both governmental and commercial banks. The difference represents the loan amount. Public banks can lend up to INR 7.5 lakhs, whereas private banks can give up to INR 40 lakhs.<\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>J and K Bank Education Loan Scheme to study abroad aims to empower ambitious Indian students to pursue their academic dreams in a foreign land. Under this scheme, this scheduled bank offers loans to students enrolling in top universities in the world. This comprehensive education loan scheme covers both collateral and non-collateral student loans. The &#8230; <a title=\"Jammu and Kashmir Bank Education Loan to Study Abroad\" class=\"read-more\" href=\"https:\/\/fly.finance\/blog\/education-loan\/j-and-k-bank-loan-scheme-to-study-abroad\/\" aria-label=\"Read more about Jammu and Kashmir Bank Education Loan to Study Abroad\">Read more<\/a><\/p>\n","protected":false},"author":15,"featured_media":6210,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21],"tags":[],"class_list":["post-6209","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>Jammu and Kashmir Bank Education Loan to Study Abroad | Fly Finance<\/title>\n<meta name=\"description\" content=\"J and K Bank Education Loan Scheme to study abroad aims to empower 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aims to empower ambitious Indian students to pursue their academic dreams in a foreign land","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/fly.finance\/blog\/education-loan\/j-and-k-bank-loan-scheme-to-study-abroad\/","og_locale":"en_US","og_type":"article","og_title":"Jammu and Kashmir Bank Education Loan to Study Abroad","og_description":"J and K Bank Education Loan Scheme to study abroad aims to empower ambitious Indian students to pursue their academic dreams in a foreign land","og_url":"https:\/\/fly.finance\/blog\/education-loan\/j-and-k-bank-loan-scheme-to-study-abroad\/","og_site_name":"Fly 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How much education loan can I get from JK Bank?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ans: A student going abroad for higher studies can get up to INR 30 lakh from Jammu and Kashmir Bank. She\/they\/he can apply for a higher amount with the help of a co-applicant. This amount, however, depends on the loan policies of the bank.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/j-and-k-bank-loan-scheme-to-study-abroad\/#faq-question-1688623710603","position":2,"url":"https:\/\/fly.finance\/blog\/education-loan\/j-and-k-bank-loan-scheme-to-study-abroad\/#faq-question-1688623710603","name":"Q2. How much is the moratorium period for JK Bank's foreign education loan?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ans: The moratorium period is course duration plus 1 year.\u00a0","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/j-and-k-bank-loan-scheme-to-study-abroad\/#faq-question-1688631990251","position":3,"url":"https:\/\/fly.finance\/blog\/education-loan\/j-and-k-bank-loan-scheme-to-study-abroad\/#faq-question-1688631990251","name":"Q3. Can I get 20 lakhs education loan without collateral to study abroad?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ans: Education loans are made available by both governmental and commercial banks. The difference represents the loan amount. Public banks can lend up to INR 7.5 lakhs, whereas private banks can give up to INR 40 lakhs.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/6209","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\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/comments?post=6209"}],"version-history":[{"count":5,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/6209\/revisions"}],"predecessor-version":[{"id":12810,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/6209\/revisions\/12810"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/media\/6210"}],"wp:attachment":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/media?parent=6209"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/categories?post=6209"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/tags?post=6209"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}