{"id":13544,"date":"2022-04-05T16:12:43","date_gmt":"2022-04-05T10:42:43","guid":{"rendered":"https:\/\/test-blog.unicreds.com\/blog\/?p=13544"},"modified":"2023-12-20T19:43:46","modified_gmt":"2023-12-20T14:13:46","slug":"south-indian-bank-education-loan","status":"publish","type":"post","link":"https:\/\/unicreds.com\/blog\/south-indian-bank-education-loan\/","title":{"rendered":"All About South Indian Bank Education Loan Schemes"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_75 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/unicreds.com\/blog\/south-indian-bank-education-loan\/#About_South_Indian_Bank\" >About South Indian Bank<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/unicreds.com\/blog\/south-indian-bank-education-loan\/#SIB_Education_Loan_Overview\" >SIB Education Loan Overview<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/unicreds.com\/blog\/south-indian-bank-education-loan\/#Education_Loans_From_SIB\" >Education Loans From SIB<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/unicreds.com\/blog\/south-indian-bank-education-loan\/#Eligibility_Criteria_To_Get_SIB_Education_Loans\" >Eligibility Criteria To Get SIB Education Loans<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/unicreds.com\/blog\/south-indian-bank-education-loan\/#South_Indian_Bank_Education_Loan_Interest_Rate\" >South Indian Bank Education Loan Interest Rate<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/unicreds.com\/blog\/south-indian-bank-education-loan\/#How_Much_Loan_Can_Be_Taken_With_SIB_Loans\" >How Much Loan Can Be Taken With SIB Loans?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/unicreds.com\/blog\/south-indian-bank-education-loan\/#What_Is_The_Repayment_Period_For_SIB_Student_Loans\" >What Is The Repayment Period For SIB Student Loans?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/unicreds.com\/blog\/south-indian-bank-education-loan\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\n<div id=\"bsf_rt_marker\"><\/div>\n<p><\/p>\n\n\n\n<p>&#8216;South Indian Bank,&#8217; one of the first banks in South India, was founded during the Swadeshi movement. Every year, SIB student loans help numerous students get admission to renowned institutions and colleges in India and overseas. If you&#8217;re interested in obtaining a South Indian Bank Education Loan for your further education, this article has all of the details you&#8217;ll need.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"About_South_Indian_Bank\"><\/span><strong>About South Indian Bank<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The foundation of SIB is owed to the ambitions of a group of business individuals who came together in Thrissur, a large town (today recognised as the Cultural Capital of Kerala), in the former State of Cochin to build a secure, functional, and service-oriented repository of the community&#8217;s savings. In India, they presently have 851 branches, 52 extension counters, 4 service branches, and 1313 branches.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"SIB_Education_Loan_Overview\"><\/span><strong>SIB Education Loan<\/strong><strong> Overview<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>SIB is dedicated to assisting students in making their higher education dreams a reality by providing education loans to worthy and meritorious Indian students who wish to pursue higher education in India or abroad. It has developed a customized South Indian Bank education loan option to satisfy the various demands of students. Their SIB Global Education Scheme is popular among students who want to study overseas.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Education_Loans_From_SIB\"><\/span><strong>Education Loans From SIB<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>South Indian Bank (SIB) provides a variety of education loans to various groups of college students. Presently, there are six SIB education loans, each tailored to a certain student group or purpose. These financing programmes assist students in pursuing their educational goals in India and overseas.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>SIB Vitjnan Loan (for higher studies in India and Abroad)<\/li>\n\n\n\n<li>SIB Excellence Loan (for higher studies at premier institutes in India)<\/li>\n\n\n\n<li>SIB EDUSUM Education Loan<\/li>\n\n\n\n<li>SIB Global Education Loan (for studying abroad)<\/li>\n\n\n\n<li>SIB Vidya Nidhi Education Loan<\/li>\n\n\n\n<li>SIB Skill Loan (for technical courses)<\/li>\n<\/ol>\n\n\n\n<p>Furthermore, the bank provides one Government of India Interest Subsidy Scheme on education loans.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Eligibility_Criteria_To_Get_SIB_Education_Loans\"><\/span><strong>Eligibility Criteria To Get SIB Education Loans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Indian nationals are eligible for the South Indian Bank Education Loan Scheme. This loan programme is also open to NRIs who hold an Indian passport.<\/li>\n\n\n\n<li>The student&#8217;s minimum age should be 18 years old, and the maximum age should be 50 years old.<\/li>\n\n\n\n<li>The candidate should have been accepted into a job-related programme at a reputable International University.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<div style=\"text-align: center;\">\n    <button style=\"background-color: #289048; color: white; border: none; padding: 10px 20px; border-radius: 5px; font-size: 18px; font-weight: bold;\">\n        <a href=\"https:\/\/unicreds.com\/education-loan-eligibility?utm_source=uc-blog&amp;utm_medium=organic&amp;utm_campaign=eligibility-button\" target=\"_blank\" style=\"text-decoration: none; color: white;\" rel=\"noopener\">Check Your Eligibility<\/a>\n    <\/button>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"South_Indian_Bank_Education_Loan_Interest_Rate\"><\/span><strong>South Indian Bank Education Loan Interest Rate<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The South Indian Bank Education Loan is available to students at a rate of interest ranging from Repo rate + 6.05 % to Repo rate + 6.80 %. The RoI ranges from 10.05 % to 10.80 %, based on the current Repo rate of 4%. The interest rate is reduced by 0.5 % for female students.<\/p>\n\n\n\n<p><strong>Documents Required For SIB Student Loans<\/strong><\/p>\n\n\n\n<p>South Indian Bank&#8217;s requirements for approving a Global Education Loan Scheme differ from case to case. However, the following are some standard documents that are required for a South Indian Bank Education Loan:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Proof of identity and address<\/li>\n\n\n\n<li>The student&#8217;s and parents&#8217; PAN cards<\/li>\n\n\n\n<li>A letter of acceptance from the chosen university<\/li>\n\n\n\n<li>Affiliations and permissions from the university and the respective programme<\/li>\n\n\n\n<li>Previous year&#8217;s relevant mark sheets<\/li>\n\n\n\n<li>The qualifying exam&#8217;s result<\/li>\n\n\n\n<li>Fee structure<\/li>\n\n\n\n<li>Documents pertaining to the pledged collateral<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2022\/04\/05160641\/nick-morrison-FHnnjk1Yj7Y-unsplash-min-1024x768.jpg\" alt=\"south indian bank education loan\" class=\"wp-image-13546\" style=\"object-fit:cover;width:700px;height:400px\" srcset=\"https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2022\/04\/05160641\/nick-morrison-FHnnjk1Yj7Y-unsplash-min-980x735.jpg 980w, https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2022\/04\/05160641\/nick-morrison-FHnnjk1Yj7Y-unsplash-min-480x360.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Much_Loan_Can_Be_Taken_With_SIB_Loans\"><\/span><strong>How Much Loan Can Be Taken With SIB Loans?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Students can borrow from INR 20 lakhs and INR 1.5 crores with a South Indian Bank Education Loan. This bank&#8217;s maximum loan amount is more than that of the majority of Indian banks. All study-related expenditures are covered by the loan, and they include &#8211;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tuition fees<\/li>\n\n\n\n<li>Travel expenses<\/li>\n\n\n\n<li>Exam fees<\/li>\n\n\n\n<li>Library fees<\/li>\n\n\n\n<li>Lab fees<\/li>\n\n\n\n<li>Cost of books, uniform, and equipment<\/li>\n\n\n\n<li>Hostel fees<\/li>\n\n\n\n<li>Insurance premium<\/li>\n<\/ul>\n\n\n\n<p>South Indian Bank&#8217;s Global Education Loan Scheme requires students to enrol in the SIB EDUGUARD scheme, which includes mandatory life insurance.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div style=\"text-align: center;\">\n    <button style=\"background-color: #289048; color: white; border: none; padding: 10px 20px; border-radius: 5px; font-size: 18px; font-weight: bold;\">\n        <a href=\"https:\/\/unicreds.com\/get-expert-assistance-2?utm_source=uc-blog&amp;utm_medium=organic&amp;utm_campaign=get-education-loan-assistance-now-button\" target=\"_blank\" style=\"text-decoration: none; color: white;\" rel=\"noopener\">Get Education Loan Assistance Now<\/a>\n    <\/button>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Is_The_Repayment_Period_For_SIB_Student_Loans\"><\/span><strong>What Is The Repayment Period For SIB Student Loans?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The South Indian Bank&#8217;s Global Education Loan plan includes a payback duration of 7 to 15 years. Students who take out this loan are also granted a moratorium, which lasts for the duration of the programme as well as six months after it concludes. If the student agrees to pay interest during the moratorium period before starting repayment, the student receives a 1% interest reduction.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>1. What is the interest rate for education loan in South Indian bank?<\/strong><br>The interest rates for education loan in South Indian bank ranges from 10.55% p.a. to 11.15% p.a.<\/p>\n\n\n\n<p><strong>2. Can a minor apply for a South Indian Bank education loan?<\/strong><br>The repayment period for the South Indian Bank education loan allows for a maximum of 15 years. Moreover, it is worth noting that even a minor is eligible to apply for this loan.<\/p>\n\n\n\n<p><strong>3. What is the repayment schedule for the South Indian Bank education loan?<\/strong><br>The repayment period for the loan commences either one year after the course completion or six months after securing employment, depending on which event occurs earlier.<\/p>\n\n\n\n<p><strong>4. How much loan can be taken from the South Indian Bank education loan?<\/strong><br>The SIB Excellence education loan provided by South Indian Bank offers benefits, such as an attractive interest rate and the opportunity to borrow up to Rs 25 lacs. The loan is available to Indian Nationals, including NRIs as well.<\/p>\n\n\n\n<!-- JS code for AMP -->\n<script>\n    window.onload = function(){\n        window.scrollTo({top: 0});\n        document.getElementById(\"amp-form-referrer\").value = getCookie('referrer')\n        \/\/ document.getElementById(\"amp-bottom-form-element\").value = `bottom-form-${window.location.pathname}`\n    \n        const openButton = document.getElementsByClassName(\"open-form-wrapper\")[0];\n        openButton.onclick = function() {\n            document.getElementById(\"mainContainer\").style.display=\"none\";\n            document.getElementById(\"amp-form-element\").value = `floating-button-${window.location.pathname}`\n            window.scrollTo({\n                top: 600,\n                behavior: 'smooth'\n            });\n        };\n        \n        const closeButton = document.getElementsByClassName(\"close-btn\")[0];\n        closeButton.onclick = function() {\n            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<div class=\"lightbox\" role=\"button\" tabindex=\"0\">\n            <div class=\"lightbox-wrapper\">\n                <p class=\"custom-heading\">Looking for student Education Loans?<\/p>\n                <form class=\"my-form\" method=\"post\" action-xhr=\"https:\/\/unicreds.com\/api\/v1\/forms\/leads\/personal\" target=\"_top\">\n                    <div class=\"input-wrapper hide-on-submit\">\n                        <div class=\"input-field-wrapper\">\n                            <label class=\"custom-label\" for=\"fullname\">Name<\/label>\n                            <input class=\"amp-input\" type=\"text\" name=\"name\" id=\"name\" placeholder=\"John Doe\" required=\"\" autofocus=\"\">\n                        <\/div>\n                        <div class=\"input-field-wrapper\">\n                            <label class=\"custom-label\" for=\"email\">Email<\/label>\n                            <input class=\"amp-input\" type=\"email\" name=\"email\" id=\"email\" placeholder=\"johndoe@email.com\" required=\"\">\n                        <\/div>\n                    <\/div>\n\n                    <div class=\"input-field-wrapper hide-on-submit\">\n                        <label class=\"custom-label\" for=\"phone\">Phone Number (with country code)<\/label>\n                        <input class=\"amp-input\" type=\"text\" name=\"phone\" id=\"phone\" value=\"+91\" placeholder=\"Phone Number (with country code)\" required=\"\">\n                    <\/div>\n                    <div class=\"input-wrapper hide-on-submit\">\n                        <div class=\"input-field-wrapper\">\n                            <label class=\"custom-label\" for=\"country\">Country<\/label>\n                            <input class=\"amp-input\" type=\"text\" name=\"country\" id=\"country\" placeholder=\"Country\" required=\"\">\n                        <\/div>\n\n                        <div class=\"input-field-wrapper\">\n                            <label class=\"custom-label\" for=\"loan_amount\">Loan Amount<\/label>\n                            <input class=\"amp-input\" type=\"number\" name=\"loan_amount\" id=\"loan_amount\" placeholder=\"Loan Amount\" required=\"\">\n                        <\/div>\n                    <\/div>\n                    <div class=\"input-wrapper hide-on-submit\">\n                        <div class=\"input-field-wrapper\">\n                            <label class=\"custom-label\" for=\"uni_join_time\">University Join Time<\/label>\n                            <input class=\"amp-input\" type=\"date\" name=\"uni_join_time\" id=\"uni_join_time\" required=\"\">\n                        <\/div>\n                        <div class=\"input-field-wrapper\">\n                            <label class=\"custom-label\" for=\"admission_status\">Admission Status<\/label>\n                            <select class=\"amp-input\" name=\"admission_status\" id=\"admission_status\" required=\"\">\n                                <option selected=\"\" disabled=\"\" hidden=\"\">Admission Status<\/option>\n                                <option value=\"Not Applied\">Not Applied<\/option>\n                                <option value=\"Applied\">Applied<\/option>\n                                <option value=\"Confirmed\">Confirmed<\/option>\n                            <\/select>\n                        <\/div>\n                    <\/div>\n                    <div class=\"submit-wrapper hide-on-submit\">\n                        <input type=\"hidden\" name=\"lead_id\" id=\"lead_id\" value=\"\">\n                        <input type=\"hidden\" name=\"utm_source\" id=\"utm_source\">\n                        <input type=\"hidden\" name=\"utm_medium\" id=\"utm_medium\">\n                        <input type=\"hidden\" name=\"source\" id=\"source\" value=\"blog\">\n                        <input type=\"hidden\" name=\"element\" id=\"amp-form-element\" value=\"\">\n                        <input 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We&#8217;ll get in touch within 24 hours via email\/phone.<\/p>\n                            <p style=\"margin: 1rem 0 2rem;\">Don\u2019t let your friends miss out on all the fun! Simply <a href=\"https:\/\/unicreds.com\/refer-and-earn\">refer your friend<\/a> to take loan and get Rs. <span class=\"red\">5000<\/span>.<\/p>\n                            <span class=\"submit-btn\" on=\"tap:my-lightbox.close\">\n                                Continue reading\n                            <\/span>\n                        <\/template>\n                    <\/div>\n                    <div submit-error=\"\" class=\"submit-message\">\n                        <template type=\"amp-mustache\">\n                            <p style=\"margin: 2rem 0;\">Error! Please check all the values and try again<\/p>\n                        <\/template>\n                    <\/div>\n                <\/form>\n            <\/div>\n        <\/div>\n    <\/amp-lightbox>\n    <button class=\"open-form-wrapper\" on=\"tap:my-lightbox\">\n        <div class=\"open-form\">\n            <svg class=\"open-form-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 20 20\" fill=\"currentColor\">\n                <path d=\"M9 2a1 1 0 000 2h2a1 1 0 100-2H9z\"><\/path>\n                <path fill-rule=\"evenodd\" d=\"M4 5a2 2 0 012-2 3 3 0 003 3h2a3 3 0 003-3 2 2 0 012 2v11a2 2 0 01-2 2H6a2 2 0 01-2-2V5zm3 4a1 1 0 000 2h.01a1 1 0 100-2H7zm3 0a1 1 0 000 2h3a1 1 0 100-2h-3zm-3 4a1 1 0 100 2h.01a1 1 0 100-2H7zm3 0a1 1 0 100 2h3a1 1 0 100-2h-3z\" clip-rule=\"evenodd\"><\/path>\n            <\/svg>\n            <span>Get in touch&nbsp;<\/span>\n        <\/div>\n    <\/button>\n<\/div>\n\n\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [{\n    \"@type\": \"Question\",\n    \"name\": \"What is the interest rate for education loan in South Indian bank?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"The interest rates for education loan in South Indian bank ranges from 10.55% p.a. to 11.15% p.a.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"Can a minor apply for a South Indian Bank education loan?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"The repayment period for the South Indian Bank education loan allows for a maximum of 15 years. Moreover, it is worth noting that even a minor is eligible to apply for this loan.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"What is the repayment schedule for the South Indian Bank education loan?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"The repayment period for the loan commences either one year after the course completion or six months after securing employment, depending on which event occurs earlier.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"How much loan can be taken from the South Indian Bank education loan?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"The SIB Excellence education loan provided by South Indian Bank offers benefits, such as an attractive interest rate and the opportunity to borrow up to Rs 25 lacs. The loan is available to Indian Nationals, including NRIs as well.\"\n    }\n  }]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>&#8216;South Indian Bank,&#8217; one of the first banks in South India, was founded during the Swadeshi movement. Every year, SIB student loans help numerous students get admission to renowned institutions and colleges in India and overseas. If you&#8217;re interested in obtaining a South Indian Bank Education Loan for your further education, this article has all [&hellip;]<\/p>\n","protected":false},"author":91,"featured_media":13545,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"<!-- wp:paragraph -->\n<p><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>'South Indian Bank,' one of the first banks in South India, was founded during the Swadeshi movement. Every year, SIB student loans help numerous students get admission to renowned institutions and colleges in India and overseas. If you're interested in obtaining a South Indian Bank Education Loan for your further education, this article has all of the details you'll need.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading -->\n<h2><strong>About South Indian Bank<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The foundation of SIB is owed to the ambitions of a group of business individuals who came together in Thrissur, a large town (today recognised as the Cultural Capital of Kerala), in the former State of Cochin to build a secure, functional, and service-oriented repository of the community's savings. In India, they presently have 851 branches, 52 extension counters, 4 service branches, and 1313 branches.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading -->\n<h2><strong>SIB Education Loan<\/strong><strong> Overview<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph -->\n<p>SIB is dedicated to assisting students in making their higher education dreams a reality by providing education loans to worthy and meritorious Indian students who wish to pursue higher education in India or abroad. It has developed a customized South Indian Bank education loan option to satisfy the various demands of students. Their SIB Global Education Scheme is popular among students who want to study overseas.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading -->\n<h2><strong>Education Loans From SIB<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph -->\n<p>South Indian Bank (SIB) provides a variety of education loans to various groups of college students. Presently, there are six SIB education loans, each tailored to a certain student group or purpose. These financing programmes assist students in pursuing their educational goals in India and overseas.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><li>SIB Vitjnan Loan (for higher studies in India and Abroad)<\/li><li>SIB Excellence Loan (for higher studies at premier institutes in India)<\/li><li>SIB EDUSUM Education Loan<\/li><li>SIB Global Education Loan (for studying abroad)<\/li><li>SIB Vidya Nidhi Education Loan<\/li><li>SIB Skill Loan (for technical courses)<\/li><\/ol>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p>Furthermore, the bank provides one Government of India Interest Subsidy Scheme on education loans.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading -->\n<h2><strong>Eligibility Criteria To Get SIB Education Loans<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:list -->\n<ul><li>Indian nationals are eligible for the South Indian Bank Education Loan Scheme. This loan programme is also open to NRIs who hold an Indian passport.<\/li><li>The student's minimum age should be 18 years old, and the maximum age should be 50 years old.<\/li><li>The candidate should have been accepted into a job-related programme at a reputable International University.<\/li><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading -->\n<h2><strong>South Indian Bank Education Loan Interest Rate<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The South Indian Bank Education Loan is available to students at a rate of interest ranging from Repo rate + 6.05 % to Repo rate + 6.80 %. The RoI ranges from 10.05 % to 10.80 %, based on the current Repo rate of 4%. The interest rate is reduced by 0.5 % for female students.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Documents Required For SIB Student Loans<\/strong><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>South Indian Bank's requirements for approving a Global Education Loan Scheme differ from case to case. However, the following are some standard documents that are required for a South Indian Bank Education Loan:<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>Proof of identity and address<\/li><li>The student's and parents' PAN cards<\/li><li>A letter of acceptance from the chosen university<\/li><li>Affiliations and permissions from the university and the respective programme<\/li><li>Previous year's relevant mark sheets<\/li><li>The qualifying exam's result<\/li><li>Fee structure<\/li><li>Documents pertaining to the pledged collateral<\/li><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:image {\"id\":13546,\"width\":629,\"height\":471,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large is-resized\"><img src=\"https:\/\/unicreds.com\/blog\/wp-content\/uploads\/2022\/04\/nick-morrison-FHnnjk1Yj7Y-unsplash-min-1024x768.jpg\" alt=\"south indian bank education loan\" class=\"wp-image-13546\" width=\"629\" height=\"471\"\/><\/figure>\n<!-- \/wp:image -->\n\n<!-- wp:paragraph -->\n<p><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading -->\n<h2><strong>How Much Loan Can Be Taken With SIB Loans?<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Students can borrow from INR 20 lakhs and INR 1.5 crores with a South Indian Bank Education Loan. This bank's maximum loan amount is more than that of the majority of Indian banks. All study-related expenditures are covered by the loan, and they include -<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>Tuition fees<\/li><li>Travel expenses<\/li><li>Exam fees<\/li><li>Library fees<\/li><li>Lab fees<\/li><li>Cost of books, uniform, and equipment<\/li><li>Hostel fees<\/li><li>Insurance premium<\/li><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p>South Indian Bank's Global Education Loan Scheme requires students to enrol in the SIB EDUGUARD scheme, which includes mandatory life insurance.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading -->\n<h2><strong>What Is The Repayment Period For SIB Student Loans?<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The South Indian Bank's Global Education Loan plan includes a payback duration of 7 to 15 years. Students who take out this loan are also granted a moratorium, which lasts for the duration of the programme as well as six months after it concludes. If the student agrees to pay interest during the moratorium period before starting repayment, the student receives a 1% interest reduction.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong><em>Thank you for reading this blog on SIB College Loans. If you\u2019d like to read more, here are some blogs that might be of interest to you -<\/em><\/strong><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li><a href=\"https:\/\/unicreds.com\/blog\/student-loan-comparison-heres-how-you-can-do-it\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><em>Student Loan Comparison \u2013 Here\u2019s How You Can Do It<\/em><\/strong><\/a><\/li><li><a href=\"https:\/\/unicreds.com\/blog\/education-loan-sanction-letter\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><em>An Education Loan Sanction Letter: A Comprehensive Guide<\/em><\/strong><\/a><\/li><li><a href=\"https:\/\/unicreds.com\/blog\/hdfc-credila-education-loan\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><em>HDFC Credila Education Loan Disbursement Process<\/em><\/strong><\/a><\/li><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:html -->\n<!-- JS code for AMP -->\n<script>\n    window.onload = function(){\n 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We'll get in touch within 24 hours via email\/phone.<\/p>\n                            <p style=\"margin: 1rem 0 2rem;\">Don\u2019t let your friends miss out on all the fun! Simply <a href=\"https:\/\/unicreds.com\/refer-and-earn\">refer your friend<\/a> to take loan and get Rs. <span class=\"red\">5000<\/span>.<\/p>\n                            <span class=\"submit-btn\" on=\"tap:my-lightbox.close\">\n                                Continue reading\n                            <\/span>\n                        <\/template>\n                    <\/div>\n                    <div submit-error=\"\" class=\"submit-message\">\n                        <template type=\"amp-mustache\">\n                            <p style=\"margin: 2rem 0;\">Error! 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