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Education Loan

Students who have studied hard and excelled in their exams and plan to pursue higher study in Nepal or overseas, your funding requirement for financing fees/expenses related to higher education is fulfilled by Jyoti Bikash Bank. The loan aims at providing financial support to students who wish to study higher education at Nepal or overseas.  

Purpose

  • To finance for tuition fees and other expenses related to higher/technical/professional education.

Features

1. Funding Criteria

  • Maximum 90% of College/University expenses. 

2. Loan amount

  • Minimum Loan: NPR 1.5 lakhs
  • Maximum Loan: NPR 50 lakhs

3. Interest rate: Competitive interest rates. Click here

4. Collateral 

  • Land and Building and other Intangible securities

5. Nature of Facility

  • Non Revolving and non-renewable

6. Tenure 

  • Moratorium Period: Course period plus 1 year after the completion of course designated or 1 month after getting employment, whichever is earlier
  • Principal Repayment: The loan shall be repaid within 5 years after the moratorium period 

7. Repayment Modality:

  • EMI or EQI Basis

Required Documents

  • Duly filled application form
  • Mark sheet or certificate of last qualifying examination
  • Details of the offer from the education institution signifying secured admission to the student
  • Details of guarantors
  • Copy of citizenship of applicants and guarantors
  • Income source documents
  • Other related documents as necessary

Quick & Easy Access