State Bank of Hyderabad


To extend financial assistance to all eligible/ deserving/ meritorious students for pursuing higher education in India & Abroad.


  • Student Should be an Indian National.
  • Secured admission to professional/ technical courses through Entrance Test / Selection process.
  • Secured admission to foreign University / Institution.

Loan Amount

For studies in India, maximum `10 lacs
Studies abroad, maximum `20 lacs


For loans up to `4 lacs: No Margin

For loans above `4 lacs:

  • Studies in India: 5%
  • Studies Abroad: 15%


  • Amount: For loans upto `10 lacs for Studies in India and upto 20 lacs for studies abroad
  • Upto `4 lacs: No Security
  • Above `4 lacs to `7.50 lacs: Collateral security in the form of suitable third party guarantee.
  • Above `7.50 lacs.: Tangible collateral security of suitable value, along with the assignment of future income of the student for payment of installments.

Interest Rate

Upto `4.00 Lakhs    :    12.70% p.a. (2.50% above BR)
Above `4.00 Lakhs    :    13.20% p.a. (3.00% above BR)

Eligible Courses

  • Studies in India:

    • Graduation, Post-graduation including regular technical and professional Degree/Diploma courses conducted by colleges/ universities approved by UGC/ AICTE/ IMC/Govt. etc
    • Regular Degree/ Diploma Courses conducted by autonomous institutions like IIT, IIM etc
    • Teacher training/ Nursing courses approved by Central government or the State Government
    • Regular Degree/Diploma Courses like Aeronautical, pilot training, shipping etc. approved by Director General of Civil Aviation/Shipping
    • Vocational Training and skill development study courses will not be covered under the Education Loan Scheme, as the scheme is framed to provide bank loans for higher studies
  • Studies abroad:
    • Graduation/ Post-graduation for job oriented professional/ technical courses offered by reputed universities

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