Education System In UK

Postgraduate Admissions In UK

Incase of postgraduate programmes, applications can be made directly to the respective universities and colleges. There is no cut-off date to receive applications, but students are advised to apply in advance as some of the popular courses will get filled up fast.

Master’s Degree

Master’s Degree is conferred after one or two years study following the Bachelor’s Degree. Study is in a specialized field. In some cases, the degree is awarded solely after a written examination but candidates must usually submit a dissertation. At Oxford and Cambridge, the Master of Arts is conferred automatically after a certain period of time on all holders of Bachelor’s Degrees. In other fields, it is awarded under the same conditions as in other universities.

Master of Philosophy, Doctor of Philosophy

The third stage is that of pure research. At a university, it leads, after two years of additional study and the successful presentation of a thesis, to the Master of Philosophy (M.Phil) Degree. After usually three years’ further study beyond the Master’s Degree, the candidate may present a thesis for the Doctorate of Philosophy (D.Phil. or Ph.D.)

Higher Doctorate

A further stage leads to Higher Doctorates which may be awarded by a university in Law, Humanities, Science, Medical Sciences, Music and Theology after a candidate, usually a senior university teacher, has submitted a number of learned, usually published, works.

Undergraduate Admissions In UK

Students wishing to apply for an undergraduate programme should apply through the Universities and Colleges Admissions Service (UCAS). Its functions are to organize and regulate the process of entry to full-time and sandwich bachelor’s degree courses in all the UK universities (except the Open University) and most other colleges.

The UCAS application allows the students to indicate a maximum of 6 institutions of their choice. The deadline to receive applications at UCAS is 15th January for the following academic year. However, late applications received between 15th January and 30th June will also be considered. If Cambridge or Oxford University is included, the deadline will be 15th October of the previous year and they should apply simultaneously to these universities.

Bachelor’s Degree

This stage lasts for three or four years and leads to the award of a Bachelor’s Degree in Arts, Science or other fields (Technology, Law, Engineering, etc.). In some Scottish universities the first degree is a Master’s Degree. The Bachelor’s Degree is conferred as a Pass Degree or an Honours Degree where studies are more specialized. The Bachelor’s Honours Degree is classified as a First Class Honours, a Second Class Honours or a Third Class Honours.

Studying for your first degree can take three years for an honor degree. Some degree courses take four years to complete and some even longer than that. A course that includes study overseas (e.g. a language course) is likely to take more than three years. A course that includes a significant amount of work experience is likely to take more than three years.

The following are examples of Bachelor degrees

Bachelor of Arts (BA)
Bachelor of Education (BEd)
Bachelor of Engineering (BEng)
Bachelor of Law (LLB)
Bachelor of Medicine (MB)
Bachelor of Science (BSc)

The Degrees are classified in the following ways

First-class degree
Upper second-class degree
Lower second-class degree
Third-class degree
Pass class degree

Studying in UK

Reasons to Study in UK

Requires only 15 years of education for direct entry into postgraduate programme.
International students studying at UK institutions are not required to obtain permission from the jobcentre to take spare time and vacation work.
One centralized application form for six undergraduate courses and generally no application fee for postgraduate courses.
In UK, most undergraduate degrees take only 3 years while postgraduate degrees take one year; you spend less time away from home and less money on course fees
Educational institutions are constantly monitored and reviewed to ensure that courses offered are of high quality.
Qualifications from the UK are some of the most recognized and respected worldwide.
There is a high success rate for international students in the UK education system.
Health surcharge mandatory for 1 year+ 4 months. ( 150GBP+75GBP = 225 GBP).For bachelor degree – 3 years – 3*150 = 450+75= 525GBP.
There are many routes into education in UK, so chances of accessing the British system are high.
UK is the gateway to Europe, rich in history and has welcomed international students for hundreds of years.

World Class Qualification In UK

UK qualifications are recognized and respected globally. Your UK qualification will be a good foundation for building your future, boosting your career and prospects for a higher salary. UK universities, colleges and schools will provide a stimulating, creative and challenging environment in which to develop your potential.

Quality standards for UK institutions are among the best in the world. Universities, colleges and schools continually have to prove that their courses meet strict criteria. Many other countries are now trying to follow the example of the UK.

Educational Needs In UK

There are more than 3,000 educational institutions that welcome international students in the UK. You can choose from a variety of routes through the education and training system, combining different types of course according to your needs and abilities. Many courses can also be taken through distance learning in your home country.

The sheer variety of specialisms means you will be able to find a course that suits your real interests, your ambitions and passions. For example, in the UK, you could specialise in anything from Computer Games programming, Satellite Positioning Technology or Sound Engineering to Multi – Media Design, Cross-Cultural Psychology, Hotel Management or Dance.

A Warm Welcome In UK

The UK has been welcoming international students for generations. We have many years of experience of looking after your needs, and will give you special support from the moment you apply and throughout your time in the UK.

Your local British Council office will give you advice and information on choosing courses and help you with your application. The Universities and Colleges Admissions Service (UCAS) makes applying to a number of institutions at the same time easy. You can also apply via the Internet if you prefer.

Many institutions arrange for you to be collected from the airport and offer guaranteed accommodation for your first year. They will provide a dedicated international office, international student societies, planned social activities, academic support, counsellors and advisers. The system works: the UK has one of the lowest ‘drop-out’ rates in the world.

Quality Education In UK

The UK has two distinct education systems: one for England, Wales and Northern Ireland, and one for Scotland. Each is compatible with the other.

Quality Standards

Whatever level and type of British course you choose, you can expect to benefit from the highest quality of teaching and research, backed up by rigorous quality assessment. The UK leads the world in developing quality standards and performance measures. In fact, the UK is so committed to quality that the results of several of these assessments are publicly available for you to consult.

Quality Qualifications

This extensive, sophisticated system of quality assurance means that, when you choose to study in the UK, you can be confident that the course and institution you have chosen are closely monitored to ensure high standards. All nationally recognized qualifications offered in the UK are subject to strict quality standards. In further and higher education institutions these are overseen by government appointed agencies, which are responsible for ensuring the consistency and quality of courses on offer. English language and professional qualifications are subject to their own strict quality assurance measures.

The national quality assurance agencies are: the Qualifications Curriculum Authority (QCA), in England; the Qualifications, Curriculum and Assessment Authority for Wales (ACCAC); the Northern Ireland Council for the Curriculum, Examinations and Assessment (CCEA); and the Scottish Qualifications Authority (SQA). The Higher Education Funding Councils have a statutory duty to assess the quality of the education they fund, and they do so via the Quality Assurance Agency for Higher Education (QAA), a UK-wide body set up by the higher education sector itself. The Higher Education Funding Councils also monitor the quality of research through the Research Assessment Exercise (RAE).

Types of Courses In UK

International Baccalaureate

The International Baccalaureate was created as an international qualification for students aged between 16 and 18 at schools around the world. It is accepted as an entry qualification for higher education by most countries, including the UK. Three subjects must be offered at A-level equivalent standard and three at AS-level equivalent during this two-year course. Students must also complete an extended essay on one subject and take part in a course on the theory of knowledge, as well as extra-curricular activities. Award of the diploma depends on the student gaining at least 24 points from these subjects.

Career-based Courses

These qualifications tend to be more work-related than academic and can put you on a fast-track route within your current career, into a new career or on to a degree course. Career-based courses in the UK often involve strong links between institutions and industry. This ascertains the continuing relevance of these qualifications to the world of work, which, in turn, improves the career prospects of the students who take them.

Courses at this level tend to be particularly flexible. Many do not have specific entry requirements, so, no matter what qualifications you currently have, you can find a course that will let you get a foot on the educational ladder. And, as you will see from the table below, some of these courses meet the entrance requirements for degree courses, allowing you to supplement your newly found practical skills with academic knowledge.

These courses involve classroom instruction, essays, projects and practical work. Class sizes tend to be relatively small, so students benefit from personal contact with tutors. There is continuous assessment of coursework plus examinations. Some career-based/professional programmes are offered only as degree courses – e.g. Medicine, Dentistry, Law – so it is best to also check the degree section of the chapter as well.

Degrees

The most popular undergraduate qualifications are the Bachelor’s degrees (also called undergraduate or first degrees), which are now required for entry into a wide range of careers in the UK and other countries. British degree programmes incorporate the most up-to-date subject developments, and are underpinned by world-class research and links with business and industry. At Oxford, Cambridge and the ancient Scottish Universities, the first degree in Arts is a Master of Arts (MA).

Many universities and colleges now co-operate to deliver degree courses, and this has further increased the number and variety of courses and study environments. The new two-year foundation degrees, introduced in England in September 2001, will widen the range of options still further, offering an innovative blend of academic and career based study. Many degree courses are now offered via distance learning. This allows you to study from home with course materials provided by the institution. These can be paper-based, on CD-Rom or provided through the Internet. Institutions provide special systems of support to help you through the course.

If you don’t currently meet the standard entrance requirements for a degree programme, you can begin with an access or foundation course instead and then move smoothly on into degree work – studying English language courses alongside it if you need to.

Postgraduate

There are two main types of taught postgraduate course: Master’s programmes, which normally are classes and seminars plus a dissertation; and diploma or certificate courses, which consist of classes and seminars, but with no dissertation. Some diploma courses enable you to transfer to a Master’s when you have successfully completed them.

A research degree is the ultimate opportunity if you want to pursue your own specialist interests. You will be expected to initiate and develop your topic under the supervision of one or possibly two academics. To be successful, you will need to demonstrate intellectual independence

Taught Masters

Research Masters

Research Doctorates

MBA

Business studies are increasingly popular with students from all countries and the MBA (Master of Business Administration) is the most popular business qualification. MBA programmes are designed to develop management skills, knowledge, the ability to analyze complex problems and the ability to make decisions. There are many MBA programmes to choose from in the UK, from those that teach principles of general management to highly specialised programmes tailored to careers like, banking and finance, construction, oil and gas, health care, hospitality, transport, and technology. Many have pipeline to relevant industries to ensure their direct relevance to the working world.

Many postgraduate courses – particularly MBA’s where people tend to need to continue working – are now offered through distance learning. This allows you to study from home with course materials provided by the institution. These can be paper-based, on CD-Rom or accessible on the Internet.

GCSE’s, A-levels And Other Equivalents In UK

Why study GCSE’s, A-levels and other equivalents in the UK?

Students come from all over the world to study for the UK’s universally known and respected GCSE’s, A-levels, Standard Grades, Highers and other equivalent qualifications such as the International Baccalaureate. These are academic and career-based courses designed to stretch your ability and imagination. And you’ll be in the right place to study for them. Many independent boarding schools and colleges are at the top of the UK league tables for GCSE, Scottish Higher and A-level results.

For many international students, GCSE’s and A-levels are important steps on the road to degree or career-based courses. GCSE’s and Scottish National Qualifications offer you the opportunity to explore a range of subjects from the sciences, humanities and arts, and discover your real strengths and interests. Scottish Highers, A-levels and AS-levels allow you to cover a smaller range in more depth, and to a level that prepares you for higher study. These courses will encourage independent thinking and personal study skills, as well as teamworking on projects. Or maybe you’re planning to skip further studies and go straight into a career when you finish school – GCSE’s and A-levels are held in high esteem across the globe and will help you stand out from the rest. Employers will be impressed by the skills you’ve gained through thinking for yourself and through research, teamwork and analysis.

Students are also encouraged to combine their academic work with a lively social life and, wherever you go, there will be a wide choice of extra-curricular activities to get involved in. You could find yourself directing a student play, scoring your school football team’s winning goal, developing your singing talents or impressing your tutors with your debating skills. Coming to the UK is a great chance to expand your horizons, meet people from all over the world, get your first real taste of independence and learn more than you thought possible, not just academically but also about yourself and your own strengths. Higher and further education institutions will not only take into account academic results when selecting the best candidates for courses, they will also be looking at your all-round personal development. Your experience in the UK on a GCSE, A-level or equivalent course will build your character and confidence, broaden your outlook and help you become a strong candidate for whichever course or career you choose. Students come away with excellent qualifications and, most important of all, with the confidence, enthusiasm and energy to realise their dreams as well.

What can I study? – GCSE’s

Students usually study from eight to 12 GCSE subjects over two years (in Scotland, you might study for a Scottish Certificate of Education Standard Grade, a similar qualification to the GCSE). Most students study a core of statutory subjects and choose additional subjects from a list.

Core subjects include English, mathematics, design and technology, a modern language, a science, information and communications technology (ICT), physical education and (from August 2002) citizenship. Optional subjects include art and design, business studies, drama, economics, engineering, health and social care, leisure and tourism, music, physics, and religious education. Students may take GCSE’s in core and optional subjects.

Other subjects are also available at individual schools and colleges, depending on the expertise and qualifications of the teachers. For mature students, GCSE pathway courses are available at some colleges. Students complete a number of GCSE’s in one year, which could lead on to an access course, a career-based course, AS-levels, A-levels or a career.

On any GCSE course, you receive formal tuition in the classroom and laboratory but are also encouraged to work independently and undertake research for projects, often outside school hours. Educational visits, either on your own or as part of a small group, are often part of the timetable. Some subjects take account of the work you do throughout the year, while others are assessed entirely by examination. Examinations are independently marked and graded. GCSE grades range from A* (the highest) to G.

New GCSE’s in vocational subjects (formerly Part One GNVQ) are a career-based version of the GCSE. Eight subjects are available: art and design, business, engineering, health and social care, information and communications technology (ICT), leisure and tourism, manufacturing, and science. One vocational GCSE is equivalent to two conventional GCSE’s. As with other GCSE’s, grades range from A* (the highest) to G.

AS-levels and A-levels

They are advised to choose subjects that will help their future career and/or university application. The vast choice of subjects on offer includes all the GCSE subjects listed above plus geology, sports studies, electronics, photography, theatre studies, media studies and many others. In Scotland, students take National Qualifications at Higher level and, in some cases, at Advanced Higher level (see below). Boarding schools in Scotland offer Scottish Highers, Scottish Advanced Highers and A-levels.

For some subjects, such as mathematics, you will need to have taken a GCSE in the same subject. Others require no specific prior knowledge of the subject.

AS-levels and A-levels take two years altogether. In the first year, you study four or five subjects at AS-level. An AS-level counts as the first half of an A-level in the same subject. In the second year, you choose two to four of those subjects (usually three) to study at A-level. Some subjects take account of the work you do throughout the year, while others are assessed entirely by examination. Examinations are independently marked and graded. A-level grades range from A (the highest) to E.

On both A-level and AS-level courses, you receive classroom and laboratory tuition but you are also encouraged to work independently and undertake research for topical projects, frequently outside school hours.

Vocational A-levels, also called Advanced Vocational Certificate of Education (AVCE), can be taken alongside or instead of conventional A-levels.They are available in 12-, six- and three-unit awards.The 12- unit awards, also called ‘double awards’, are equivalent to two A-levels; the six-unit awards are equivalent to one A-level; the three unit awards are equivalent to one AS-level. Vocational A-levels are offered in 14 subjects: art and design, business, engineering, health and social care, information and communication technology (ICT), leisure and tourism, manufacturing, construction and the built environment, hospitality and catering, land and environment, media communication and production, performing arts, retail and distributive services and science.

Applications In UK

The UK offers exceptional scope for acquiring academic and vocational qualifications to enable you to pursue a wide range of careers.

UK schools, colleges and universities pride themselves on helping international students find the most appropriate course.

British Council offices globally offer assistance to students seeking to study in the UK. Some offices advise students, help them fill in application forms and send the forms off for them. Some can help you apply over the internet. All offices have a wide range of information materials and resources, as well as university and college prospectus, which you can consult for reference. A good prospectus provides answers to all the questions you want to ask about an institution or a course.

The best time to begin preparing your application for degree courses is June to August a year before the September/October when you would like to start.

Career-based Courses

For all other career-based programmes, you should apply directly to the institution which offers the course. Contact the institution and ask for a prospectus and an application form. Alternatively, all British Council offices have standard application forms that you can use, or contact GEEBEE Education

There is no standard closing date for applications to career-based courses but you will need to leave yourself enough time to apply for a visa, make travel arrangements and arrange accommodation.

In making a decision, the college will consider your background, interests and abilities and will treat your application on its individual merits. Once you have accepted a place, the college will send you a letter confirming this.

Degree Courses

To apply for full-time undergraduate degree courses, you simply make a single approach through the centralised application process. This service is provided by UCAS (Universities and Colleges Admissions Service). All UK universities and most colleges of higher education are members of UCAS. Your route through the UCAS application process is described in this section.

Applications for part-time degree study are not made through UCAS and you should contact directly the institution in which you are interested. Increasingly, universities and colleges are making their application forms for part-time study available on their website, either to complete online or to download.

The UCAS application process – GEEBEE can help you with this.

Before applying, check the minimum entry qualifications in the prospectus of your chosen university or college. Be aware, though, that the institution may ask for more than these requirements. Any entry requirement will be shown clearly if the institution offers you a place.

You may apply to up to six institutions on a single UCAS application form. The current fee for applying through this system is £5 for a single choice and £15 for up to Six choices. You can submit only one UCAS application form per year.

When UCAS receives your application form, it will send a copy to each of your chosen institutions. Each institution will consider your application and send details of its decision to UCAS. UCAS will forward the decision to you.

For each application, three outcomes are possible. You may be sent an unconditional offer which means you can begin the course at the start of the next academic year. Alternatively, you may be sent a conditional offer which means you have to achieve specific entry requirements in your qualifying examinations.

Finally, the institution may reject your application. If all your chosen institutions reject your application, you will still be able to apply to another UK institution through Clearing.

Do not respond to any offers you receive until UCAS asks you to reply. Then, you can accept no more than two offers. Your first choice will be your firm acceptance and your second choice will be your ‘insurance’ acceptance. But note that if your first choice is to accept an unconditional offer, you will not be able to make a second, back-up choice. Once you accept an unconditional offer, you are committed to that institution.

Universities will confirm or withdraw their conditional offers after they have been notified of the results of your qualifying examinations. Therefore, it is important that you send your examination results to the university or college from which you are holding offers as soon as possible. If you have not matched the entry requirements for either your firm or your conditional offers, you will be able to enter the Clearing procedure.

Clearing

Clearing is a process that matches students who have not been able to find a place with courses that still have vacancies. It occurs in August and September. You will be eligible for Clearing if

You have applied to an institution in the UCAS system but do not have any offers
None of your conditional offers have been confirmed
Your application through UCAS was made after 30th June (or 12th June for art and design courses)

Support Services In UK

Leaving home to study in a different country is always a big step. Fortunately, the UK has a long tradition of welcoming international students to its shores.

British schools, colleges and universities have developed world-class student services. These, along with the welfare services provided in the wider community, ensure quality support for international students.

Many schools, colleges and universities send a representative to meet new students at the nearest railway station and provide transport to the campus. Institutions also stage orientation programmes just before term starts to help new international students get familiar.

Once you have settled in, you will find that the support continues. Most schools, colleges and universities have special international student advisers to help with academic and personal concerns. International offices are open throughout the year and you can seek advice and information on any subject at all. These staff are there to make you feel welcome and to help you adjust to living in the UK.

At universities and many colleges, there are student counsellors available to advise on personal, financial, practical and health matters. Specialist careers advisers will discuss your career options with you and help you formulate practical plans. Most boarding schools, colleges and universities have professional health care staff on site to advise on your personal health matters.

English language courses

Most English language schools provide a student welfare service to help with accommodation, visas, legal requirements and so on, even before students reach the UK. On arrival, schools provide a meet and greet service for new students, as well as transportation to the school. Orientation courses will help you settle in.

Support continues day-to-day, as well. Most schools have an emergency telephone number that you can ring 24 hours a day. Social programmes are organised outside regular classroom hours and many schools also have student clubs and travel offices, which arrange tours in the UK. .

Degree courses

Many UK universities and colleges have specialist international advisers whose job is to provide support for international students. The international office is the first point of contact for many international students. You can approach international officers for independent advice and information on almost anything, from accommodation to how to extend your permission to stay in the UK.

Many institutions also arrange orientation programmes for new international students at the beginning of the academic session. The duration and content of these programmes vary considerably; some last only 1 or 2 days and others a whole week. Typical elements include a tour of the campus, an overview of the facilities and how to use them, explanations of the institution’s rules, help with registering for your course, an outline of teaching methods, discussion of important aspects of life in the UK and social events where you can meet staff and other students.

Institutions also organise a fresher week or fresher fair for all new students. This is a further opportunity to make friends, as well as to join clubs and societies run by other students.

Many international students find it useful to join an international student society within their institution. There are two types: societies for all international students, irrespective of nationality, and societies for students from specific countries or regions. Both types of organisation provide useful guidance about the UK from a student’s point of view and are a good way of meeting and socialising with other students. The Students Union or international students association may also have information about national or cultural groups outside the institution in the town or city another possible source of support. .

Teaching Methods In UK

UK approaches to teaching have evolved over many hundreds of years and aim to encourage independent, thoughtful and confident students. Rigorous quality assurance and academic audit procedures ensure that the educational opportunities available in the UK meet the best standards.

Most students benefit from the continuing support of a tutor, from small classes or tutorial and seminar groups and from a range of teaching methods that may include discussions, games, problem- solving, projects, practical work, peer tutoring, computer-assisted learning and simulations. These methods are effective: pass rates are high and drop-out rates are among the lowest in the world. By encouraging an independent approach, education in the UK helps you to develop intellectual and problem-solving skills for the international market.

English language courses

The teaching style is mainly practical and you will be encouraged to communicate from the moment you enter the classroom. Students on these courses are immersed in the language, rather than just studying it.

The wide range of creative teaching methods includes games, role- playing exercises, problem-solving and group discussions. You will also be able to make use of technology and the language labs to study without supervision.

Degree courses

During your degree programme, some of your specific courses will be compulsory but others will be optional, allowing you to tailor the programme to your specific needs.

The core topics of your course will be outlined to you through lectures. More in-depth analysis will take place in smaller tutorial and seminar groups where you will prepare topics in advance and discuss them with the other students and the tutor. You will need to read extensively about the subject and form your own ideas and opinions.

Postgraduate Programmes

All postgraduate programmes require you to do a great deal of work on your own initiative. On taught courses, postgraduate tutors and lecturers will provide the framework of the course and, within this, you will be able to pursue your own interests.

On research programmes, the principal teaching method is original research, which you complete under academic supervision. Writing a thesis about your research forms a main part of the programme.

MBAs

Master of Business Administration (MBA) courses are a particularly intensive and challenging form of taught postgraduate course. You’ll be expected to work through a very large amount of material, complete projects and assignments and give regular presentations. Teaching methods characteristic of MBAs include case studies, simulations and business games.

General Information For UK

Contact your local British Council office at www.britishcouncil.org/where
Visit Education UK Scotland at www.educationukscotland.org for everything you need to know about studying in Scotland.

Or try one of the following for a direct link to the university, college or school of your choice

A full list of links to UK university or College is available.
For accredited independent further and higher education institutions, see the British Accreditation Council web site at www.the-bac.org
For English language courses, try the English in Britain site at www.englishinbritain.co.uk
Hot courses are the team who designed and built the Education UK site. They also operate the UK’s largest database of courses, which they collect for the national learn direct database. Visit them at www.hotcourses.com to search their course database by region or cities of the UK. Alternatively you may contact them about any aspect of this or other sites they operate by sending a feedback email to feedback@hotcourses.com
The DfES (formerly DfEE) International Student web page contains up to date information and advice on Chevening Scholarships, working in the UK and visa and entry requirements to the UK.
Links to over 300 specially selected Education UK related sites are maintained by the British Council at www.britishcouncil.org/education
UK Student Life is a website with practical information for international students about all aspects of living in the UK as a student. It also contains ideas about ways of studying British English either in the UK or abroad. You can find it at www.ukstudentlife.com
City & Guilds is the leading provider of vocational qualifications in the United Kingdom and can be found at www.city-and-guilds.co.uk
A guide that provides information about studying English and living in the UK at www.worldstudysolutions.com

Bank Loans For Education In UK

Bank Loans are easily available for higher studies anywhere in the world. Loans should be preferably taken from a Nationalised Bank. The term & condition for educational loans may vary from Bank to Bank.

Eligibility

All Professional / Technical job oriented courses offered by reputed Universities.

Loan Amount

Maximum Rs.20 Lakhs.

Security

For Loans up to Rs.4 Lakhs, no collateral security is required.
For Loans above Rs.4 Lakhs & Upto Rs. 7.50 Lakhs Collateral Security in the form of satisfactory Third Party Guarantee.
For Loans above Rs.7.50 Lakhs Collateral Security is required.
Repayment
Course period + one year or 6 months after getting a job, whichever is earlier. The loan is to be repaid in 5-7 years after commencement of repayment.

Rate of Interest

Upto Rs. 4 Lakhs-PLR
Above Rs. 4 Lakhs-PLR + 1%*

Documents Required

Loan application
Admission Letter from College/University
Academic documents of the student
Photograph, Residence proof of borrower and guarantor
Covering letter stating sources of owned funds
Fee receipts or proof of payments made
Title Deeds of the ownership property to be mortgaged as security
Copy of passport & Visa, if student is going abroad for higher education and related documents
Income proof of the applicant in the form of last 3 months salary slip/Certificate or copy of the last 3 years IT returns filed with computation details of personal assets & liabilities
Two guarantors with their latest salary Slip / certificate in case guarantor belongs to service class or latest income tax returns filed with the computation of income in case the guarantor is a businessman, professional or self-employed
Simple interest will be calculated during Repayment Holiday / Moratorium period.