Selection Process 2013

Transcription

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Candidates who are shortlisted for the MBA/ PGPM
program based on their IBSAT 2012/ GMAT/ CAT scores
are called for the selection process conducted at nine
IBS campuses namely IBS Ahmedabad, IBS Bangalore,
IBS Dehradun, IBS Gurgaon, IBS Hyderabad, IBS Jaipur,
IBS Kolkata, IBS Mumbai and IBS Pune.
The selection process is conducted for the following
programs of IBS:
• MBA program offered by IBS Hyderabad, IBS Dehradun and IBS Jaipur.
• PhD program in Management offered by
IBS Hyderabad.
• PGPM (Post Graduate program in Management)
program offered at IBS Ahmedabad, IBS Bangalore,
IBS Gurgaon, IBS Kolkata, IBS Mumbai and IBS
Pune.
The admission decision is solely based on the overall
performance of the candidate. The composite score of
a candidate is arrived at based on the candidates past
academic record and performance in Group discussion
and Personal Interview.
Irrespective of where the candidates attend the
selection process, they are eligible for selection for the
campus based on their overall performance.
Candidates who are shortlisted for the PhD program
are called for the selection process at IBS Hyderabad
campus.
How to reach
the Selection
process venue
Registration for the
Selection Process
lSubmission of documents
lPersonal Data Form
lIssue of RegistrationCard
Selection
Process
Schedule
Selection
Process
- Group Discussion
- Personal Interview
- Criteria for selection
- Score Card
- Choosing the campus
- Payment of Admission Fee
- Waitlist allotments
- Campus transfers
Eligibility
criteria
Preparatory
Classes
Registration
and Regular
classes
Fee
Schedule
Address for
correspondence
Financing your
education
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How to reach the Selection process venue
The route maps of all the nine IBS
campuses where the selection
process is conducted are given on
pages 23 to 27.
The candidates have to report at
the selection process venue on the
date confirmed by them online by
9.00 a.m . The registration will be
closed by 9.30 a.m.
For any queries relating to reaching
the venue please contact the
respective IBS campus (contact
numbers with addresses are given
on back page of this booklet).
Selection Process Schedule
Activity
Registration
Briefing
Group Discussion
Personal Interview
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Timings
9.00 a.m. - 9.30 a.m.
9.30 a.m. - 10.00 a.m.
10.00 a.m. onwards
10.00 a.m. onwards
Registration for the Selection Process
All the candidates have to register for the Selection
Process at 9.00 a.m. at the selection process venue on
the date confirmed by them by showing the selection
process call letter.
Submission of Documents
Candidates have to submit the following documents
at the registration counters on the day of selection
process:
• Personal Data Form (Duly filled in with photo
affixed)
• Xerox copies of marks sheets and certificates of
X, XII and graduation (Self attested).
• Xerox copies of marks sheets and certificates of
Post Graduation/ Professional Qualification (Self
attested – If applicable).
The candidates will not be permitted to attend the
selection process if they do not submit the above
documents.
Personal Data Form
Candidates are required to submit the duly filled in
personal data form with photo affixed at the time of
registration. The candidates will not be permitted
to register for selection process without submission
of the duly filled in personal data form. Candidates
should give a complete and true picture of themselves
in terms of their accomplishments, academic abilities
and plans for the future as the details provided are
carefully reviewed, and the admission decision is made
only after assessing all the information provided.
Candidates seeking admission to the MBA program
offered at IBS Hyderabad, IBS Dehradun and IBS Jaipur
and the PGPM program offered at IBS Ahmedabad,
IBS Bangalore, IBS Gurgaon, IBS Kolkata, IBS Mumbai
and IBS Pune are advised to indicate their order of
preferences for all the nine campuses.
Issue of Registration Card
Candidates who submit the duly filled in personal data
form and self attested Xerox copies of their marks
sheets and certificates, will be registered and issued a
registration card which gives the details of events for
the day. The Registration Card should be retained by
the candidates till they leave the campus.
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Selection Process
The selection process comprises of Group Discussion
and Personal Interview. The selection process generally
takes 3 – 4 hours from the commencement of briefing.
Hence the candidates are advised to plan their return
journey only after 6.00 pm.
Group Discussion
In the group discussion a topic will be announced to a
group of 8 candidates. The candidates will be given 15
minutes for the group discussion. After discussion each
candidate will be given an opportunity to summarize
his/ her opinion in a minute.
Depending on the individual contribution the candidates
attributes are assessed on various parameters like
expression, initiative, communication, analytical skills
and behavior in group.
Personal Interview
The personal interview is the final stage of the selection
process. The interview panel members are Directors,
Deans, Senior Faculty Members and Alumni. They will
interview the candidates for about 10 - 15 minutes.
The questions during the personal interview will focus
on assessing the attitude, aptitude and aspirations of
the applicant. The interview panel will also evaluate
the candidate’s general knowledge, communication
skills, clarity of thought and expression, and aptitude
for a career in management.
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Criteria for selection and allotment of
seats
Admissions are strictly based on merit. A composite
score out of 100 is arrived at based on various
parameters. The weightages allotted to different
components in the selection process are given in the
table:
Criteria
a
Weightage (%)
Past Academic Record
X Class Marks
XII Class Marks
Degree Marks
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40
b
Group Discussion
30
c
Personal Inteview
30
Total Score
100
Score Card
The detailed score card indicating the percentile
secured in past academic record, Group Discussion
and Personal Interview will be provided on the website
www.ibsindia.org in the last week of March 2013.
The candidates can view their eligibility for selection
or waitlist for the campuses by logging in with the
admit card number as login id and date of birth as
password. A candidate may be eligible for selection
for one campus and waitlisted for another campus.
Choosing the Campus
Based on the eligibility the candidate has the option
to choose the campus. The candidates have to
indicate their choice of the campus in the online
Campus Selection Form. On selecting the campus the
candidates will be provided an option to download the
selection letter and the fee remittance form.
Payment of Admission Fee
The candidates have to send the admission fee in the
form of demand draft with the fee remittance form
to the IBS Admission office by April 19, 2013. The
payment of fee within the due date is for reserving the
seat in the program. The fee received after the due
date will not be accepted.
Waitlist Allotments
The waitlist allotments will be done from April 22,
2013 onwards.
Campus transfers
Candidates are requested to note that there is no
facility for change of campus.
No canvassing
There are no management or NRI quotas. Candidates
and parents are strictly advised not to resort to any
canvassing directly or indirectly to support their
application. Canvassing or recommendation in any
form will be a serious disqualification.
Eligibility Criteria
For MBA/ PGPM programs
Graduation in any discipline with a minimum of 50%
marks; with medium of instruction as English.
Candidates not meeting the eligibility criteria of English
medium at undergraduation level have to submit the
TOEFL/NELT/IELTS score by May 31, 2013.
Minimum 15 years of regular education (10 + 2 +
3 or 10 +2 + 4). Candidates who have completed
their bachelor degree by part time or through distance
education or on a one-time sitting basis or on a 2-year
basis are not eligible for admission. For the purpose
of determining eligibility based on the percentage
of marks, the procedure used by the respective
university in award of the degree will only be taken
into consideration.
Candidates who are in their final year bachelor’s
degree courses are eligible to participate in selection
process, provided they complete their graduation
requirements (including practical examinations/viva/
assignments/ backlogs) before May 31, 2013.
For candidates whose degree results are not yet
declared, the admission will remain provisional until
they produce marks sheets and degree certificates
establishing their eligibility. The last date for submitting
proof of graduation is November 01, 2013. Candidates
who do not meet the eligibility criterion of scoring a
minimum of 50% in graduation can apply for refund of
75% of the first installment of tuition fee paid.
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Eligibility criteria will be checked from August, 2013
onwards. Hence, the onus of ensuring that they satisfy
the eligibility criteria rests solely with the candidates.
Any inaccurate information, misleading information or
omission will cause for the withdrawal of admission
offer and the fee paid by the candidate is non refundable
in such instance. For any clarification on eligibility
criteria please contact IBS Admission Office only.
Eligibility Criteria for PhD Program
Post Graduate in management or Professional
qualifications like CFA, CA, ICWA and CS with 60%
and above marks.
Candidates not meeting the eligibility criteria of English
medium in graduation and/ or post graduation have
to submit the TOEFL/NELT/ IELTS score by May 31,
2013.
Minimum 17 years of regular education (10 + 2 + 3 +
2 or 10 +2 + 4 + 2). Candidates who have completed
their bachelor’s or post graduate degree by part time
or through distance education or on a one-time sitting
basis or on a 2-year basis are not eligible for admission
into the program. For the purpose of determining
eligibility based on the percentage of marks, the
procedure used by the respective university in award
of the degree will only be taken into consideration.
Registration & Regular Classes
Preparatory Classes
The preparatory classes for the MBA/ PGPM program
are organized on topics like Case methodology,
Business mathematics, Basics of accounting, Computer
skills, Communication and Presentation skills and other
activities pertaining to business studies to bring all the
students on to a common platform.
The preparatory classes will commence on June
03, 2013 at all IBS campuses. In case of any genuine
difficulty (like final year examinations) in attending the
preparatory classes, you should immediately send a
written request to the campus head (of your allotted
campus) requesting for exemption.
Regular classes will commence on June 17, 2013 at all
IBS campuses.
All the selected candidates are mandatorily required to
report at the allotted campus on the registration date
and submit the first installment of fee along with selfattested photocopies of Class X, Class XII, graduation
and post graduation (if applicable) certificates and
marks sheets and show original certificates and marks
sheets for verification.
The candidates who are in their final year of graduation
and whose results have not yet been declared have
to submit the marks sheets of the previous years of
study.
Address for Correspondence
Candidates are required to address all their correspondence to: Admissions Officer, IBS Admissions Office, Ground
Floor, # 65,Nagarjuna Hills, Punjagutta, Hyderabad - 500 082, AP, India. Telephone Board: + 91-40-2344 0963;
Toll Free No: 1800 425 2124 E-mail: ibsat@ibsindia.org
Correspondence sent to any other address may not elicit any response
Fee Schedule
MBA / PGPM Program
Due Date
Installment
IBS Hyderabad
(Amount in Rupees)
IBS Ahmedabad, IBS Bangalore,
IBS Gurgaon, IBS Kolkata,
IBS Mumbai, IBS Pune
IBS Dehradun,
IBS Jaipur
April 19, 2013
Admission Fee
80,000
80,000
80000
June 17, 2013
I
2,24,000
1,24,000
84000
October 28, 2013
II
2,24,000
1,24,000
84000
March 10, 2014
III
2,24,000
1,24,000
84000
June 16, 2014
IV
2,24,000
1,24,000
84000
October 27, 2014
V
2,24,000
1,24,000
84000
12,00,000
7,00,000
5,00,000
Total
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Laptops:
The candidates are expected to get their
own laptops when reporting at the campus.
Living Expenses:
The MBA program at IBS
Hyderabad is a fully residential program. The students
have to pay hostel accommodation fee of ` 60,000
per annum. The mess expenses will approximately be
` 4,500 per month.
Hostel facility is not available at other IBS campuses.
However campus administration will assist the students
in getting a suitable off campus accommodation near
by the campus. The living expenses in these cities vary
from ` 5,000 – ` 10,000 per month.
The Ph.D Program in Management (Full time)
All the candidates who join the program are given
100% Tuition Fee waiver subject to certain regulations.
However, they have to pay admission fee of ` 40,000
on or before April 19, 2013.
The Ph.D Program in Management (Part time)
All the candidates who join the program have
to pay admission fee of ` 40,000 on or before
April 19, 2013.
The tuition fee of ` 60,000 per semester is to be paid
for 8 semesters. The first installment of tuition fee is
to be paid on June 17, 2013. The detailed fee schedule
will be given in the selection letter.
Financing your education @ IBS
The time, effort and money you spend in earning a
postgraduate qualification in management can be
one of the most important investments you will
ever make. The returns from this investment can be
measured in terms of enhanced career opportunities,
self-confidence and success in life. Clearly, it is an
investment with the potential for high returns for a
long time to come.
Obtaining the required finance for post graduation in
management education may be a source of anxiety
unless it is carefully planned. This booklet describes the
various options available for financing your education
at IBS campuses.
Most of the students pursuing programs at IBS have
financed their education through educational loans
from various public sector and private sector banks
and financial institutions which are listed below:
Private Banks / Financial Institutions:
HDFC Bank
CREDILA Financial Services
IBS has entered into MOU (Memorandum of
Understanding) with CREDILA Financial Services (An
HDFC Ltd. Company) for providing educational loans
to students in India and abroad.
Living Expenses: This PhD program (Full time/ Part
time) is a fully residential program. The students have
to pay hostel accommodation fee of ` 60,000 per
annum. The mess expenses will be extra.
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Public Sector Banks
State Bank of India, Punjab National Bank, Andhra
Bank, Oriental Bank of Commerce, Bank of Baroda,
Canara Bank, Corporation Bank, Syndicate Bank,
Central Bank of India, State Bank of Bikaner & Jaipur,
State Bank of Hyderabad, Bank of Maharashtra, Bank
of India, UCO Bank, Allahabad Bank.
Bridge Loan Facility
IBS offers bridge loan to students admitted into
the IBS programs till they receive the sanction and
disbursement of an educational loan from a bank.
Students are required to pay the admission fee by
the specified date from their own resources. The
bridge loan facility is available for the first installment
of tuition fee and not for any subsequent installments
due on future dates.
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Under the bridge loan facility, IBS will accept four
postdated cheques (PDCs). IBS Students may utilize
the bridge loan facility until the sanction of bank loan.
The details would be provided in the selection letter.
Stipendiary Assignment Program
The Stipendiary Assignment Program is a unique
program designed for the benefit of students to obtain
practical work experience while studying. Students
who are interested in joining this program will be
given required training prior to being inducted into the
program. Students get an opportunity to work on a
part time basis, promoting various knowledge products
(flexible learning programs, full-time programs and
publications).
Stipendiary Assignment Program is a voluntary program
and offers practical exposure, skill-development
opportunities, and regular performance based stipend
with attractive incentives. Over 2,000 students are
currently in the Stipendiary Assignment Program.
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Steps in Financing Your Education
Step 1: Do the calculations
Start, by figuring out, how much your program will cost.
Consider the sources of funds available to you for financing your study.
Determine how much your family can contribute.
The difference between the estimated cost of your education and your family’s expected
contribution is the amount of financial aid you will need.
Step 2: Consider your options for obtaining financial aid:
Student loan from a bank.
Other sources of financial aid such as the Stipendiary Assignment Program.
Step 3: Apply for financial aid. Identify the source of funding and submit application.
Example
The following table gives an indication of the estimated expenditure for a fee of 12 lakhs and sources of
funds available for financing post graduation education.
Estimated Expenditure
Sources of Funds
Details
Amount (in `)
Details
Total Fee
12,00,000 Bank loan up to
Other expenses for two years (Living
2,00,000 Family Contribution
expenses, books & stationary) -Estimated
up to
Total Estimated Expenditure
14,00,000 Total Sources of
Funds
Amount (in `)
10,00,000
4,00,000
14,00,000
From this, it is evident that to supplement students’ resources to finance their study, there are more
than adequate sources of funds available to cover the total estimated expenditure.
The details of terms & conditions and interest rates offered by various Public and Private Sector Banks
are provided in subsequent pages. If you have any questions related to bank loans, please feel free
to contact: Financial Aid Facilitation Cell, IBS Admission Office, No: 65, Nagarjuna Hills, Punjagutta,
Hyderabad 500082. Tel: +91-40-2344 0963; E-mail: finaidcell@ibsindia.org
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HDFC Bank
Student Eligibility: Students admitted for 2 year Post
Graduate Program in Management/MBA Program, at
various campuses of IBS in India.
Rate of Interest 13.5%*
Margin Nil – up to ` 4 lac
5% for loans above `4 lacs
SecurityNo Security up to Rs.7.5 lac of loan. For more
than Rs.7.5 lakhs, Security must be in the form of
Residential Property / Fixed Deposit with HDFC Bank/
NSC/KVP.
Processing Charges
- NIL -
Co-borrower Parent / Guardian / Spouse/ Brother /
Sister / Family relative.
Documents Required
Student: Admission offer letter
with fees schedule / details, Marksheets of 10th, 12th,
graduation up to latest qualification along with degree
certificate upto latest qualification. Photo ID and signature
verification proof: any one out of pass port, pan card, etc,
residence proof: any one out of latest utility bill, pass port,
ration card, etc.
Co applicant: Income proof of parents, assets and liabilities
statement of parent/guarantor, if any. Six months update
bank statement. Photo ID and signature verification proof:
any one out of pass port, pan card, etc, residence proof:
any one out of latest utility bill, pass port, ration card, etc.
* Conditions apply
Credit at the sole discretion of HDFC Bank Ltd.
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CREDILA - An HDFC Ltd. Company
Eligibility
Students admitted for 2 year Post Graduate Program in
Management/MBA Program at various campuses of IBS in
India.
Loan Amount
Minimum of ` 1 Lakh - Maximum of ` 10 Lakhs
Margin
NIL
Security
Non Agricultural Land, House, Bungalow, Flat, LIC, Fixed
Deposit, NSC and KVP are accepted as Security. Security
located other than student or co-borrower location can
be accepted. Security amount starting from 10% of Loan
amount is required.
Interest
12.50% to 14.25%
Dear students,
Please accept my heartiest congratulations on your interest
to pursue Post Graduate Program in Management at IBS, one
of the most vibrant management institutions of India!
At Credila, we understand that this is the most critical part
of your life and even as an initiated individual of generation
next, getting in to a good institute is the most important
stepping stone for your future.
Moreover, the fact that each student comes from a diverse
background and has specific requirements of education, skills
and competencies to make a mark in the corporate world,
quality of education and choice of institute becomes vital for
success.
Also the financial requirements vary from student to student
based on their aspirations, objectives and backgrounds.
Hence, we intend to work very closely with students and
their families to get the ideally suited educational loan
product e.g. required loan amount, flexible repayment terms
etc.
For Full Time Courses - Simple interest repayment during
tenure of course and then Interest + Principal for 36, 48,
60, 72, 84, 96 months as given by Credila
Money paid for education is the best investment anyone
can ever make. Availability of the education loan, at the
appropriate time, can make your dreams come true. Credila
intends to help deserving bright young Indians like you to
achieve their dreams!
For Part Time Courses - Immediately Interest + Principal
repayment for 48,60 and 72 months
Please visit our website www.credila.com to know more and
apply online.
Co-Borrower
For more information please call us at
toll free no. 1-800-209-3636.
Repayment Period
Father, Mother, Brother, Sister, Spouse, Cousin, Paternal
Uncle, Paternal Aunt, Maternal Uncle, Maternal Aunt,
Grandfather, Grandmother and any other relative can be a
Co-borrower. Co-borrower can be from any part of India.
More than one co-borrower accepted
You can also write to us on loan@credila.com.
Alternatively, SMS “CREDILA” to 53636.
Sincerely,
Prashant A. Bhonsle
Country Head, Credila Financial Services
Education loan at your doorsteps!
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State Bank of India
Punjab National Bank
Student Eligibility
Student Eligibility
Should be an Indian National. Should have secured admission
into management courses in a foreign/Indian university
through entrance test/ selection process.
Should be an Indian National. Should have secured
admission into management courses in a foreign/Indian
university through entrance test/ selection process.
Loan Amount
Loan Amount
Need based finance, subject to the repaying capacity of the
parents/students with margin and amount of the loan as
specified by the bank.
Need based finance, subject to the repaying capacity of the
parents/students with margin and the following ceilings:
Studies in India: Maximum ` 10 lakhs
Studies Abroad: Maximum ` 20 lakhs
Rate of Interest
Up to ` 4 lakhs: 13.25%
` 4 lakhs to ` 7.5 lakhs: 13.00%
Above ` 7.5 lakhs: 11.75%
Margin
Up to ` 4 lakhs: Nil
Above ` 4 lakhs: 5% for study in India (95% funding
Abroad: 15%
Security
Up to` 4 Lakhs: Nil
Rate of Interest
Upto ` 4 lakhs: 13.50%
Above ` 4 lakhs: 14.50%
Above ` 7.50 lakhs: 14.00%.
• For Girl students 0.50% concession
Margin
Upto ` 4 lakhs: Nil
Above ` 4 lakhs: 5% (Studies in India)
Security
Upto ` 4 lakhs: Nil
` 4 lakhs - ` 7. 5 lakhs: Third Party Guarantee
` 4 lakhs- ` 7.5 lakhs : Third party Guarantee acceptable
to bank
Above ` 7.5 lakhs - Tangible collateral security for full value
of the loan.
Above ` 7. 5 lakhs : Collateral security of suitable value or
suitable third party guarantee.
Repayment
Repayment
Repayment Moratorium: Course period plus 12 months or 6
months after getting a job whichever is earlier as prescribed
by the bank. The loan is to be repaid in 5 - 7 years after
commencement of repayment.
Repayment Holiday/Moratorium: Course period + 1 year
or 6 months after getting a job whichever is earlier. The
principal and interest is to be repaid in 5 - 7 years after
Documents Required
Documents Required
Marksheet of last qualifying examination, copies of letter
conferring scholarship, proof of admission, schedule of
expenses, bank account statement for the last six months,
address proof, income proof, signature identification
from bankers of borrowers/ guarantors, 2 passport size
photographs, statement of assets and liabilities.
Copies of certificates with regard to educational
qualifications, admission letter, quotation from college
authority stating coverage of expenses, income proof of
parent,
* Subject to change periodically.
Concession 0.50% for Girl students
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Andhra Bank
Student Eligibility
Student Eligibility
University through entrance test/Selection process.
Loan Amount
Need based finance subject to repaying capacity of the
parent/students.
Oriental Bank of Commerce
Student Eligibility
Indian Nationals not above 45 years of age, who have
secured admission in a recognized course of an approved
university.
Loan Amount
Education in India: Max. ` 10 lakhs
Education Abroad: Max. ` 20 lakhs
Rate of Interest
Studies in India : Maximum ` 10 lakhs
Upto ` 4 lakhs: 12.90% p.a.
Studies Abroad : Maximum ` 20 lakhs
` 4 lakhs to ` 7.5 lakhs: 13.40%
Rate of Interest
Above ` 7.5 lakhs: 12.90% p.a.
For Male Students: 13.25%
(0.5% concession for women beneficiaries)
For Female Students: 12.75%
Margin
Margin
Upto ` 4 lakhs: Nil
Upto ` 4 lakhs: Nil
Above ` 4 lakhs : 5% (Education in India)
Above ` 4 laksh: 5% (Studies in India)
Security
Security
Upto ` 4 lakhs: No collateral security required. Co obligation of parents/ guardian is must. No collateral
security required.
Upto ` 4 lakhs: Nil
` 4 lakhs-` 7.5 lakhs : Co-obligation of parent/guardian/
Third party Guarantee acceptable to bank.
Above ` 7.5 lakhs: Tangible security of suitable value
besides co-obligation of parent. Parent co-obligation and
assignment of future income.
Repayment
Repayment Moratorium: Course period + 1 year, or
six months after getting a job, whichever is earlier. The
loan is to be repaid in 5-7 years after commencement of
repayment.
Documents Required
Mark sheet of last qualifying examination, copies of letter
address proof, income proof, etc.
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` 4 lakhs - ` 7. 5 lakhs: Co-obligation of parents/
guardians is must. One satisfactory third party guarantee.
Above ` 7.5 lakhs: Co-obligation of parents/ guardian
is obligatory. Mortgage of immovable property or any
other tangible security like pledge of NSC/LIC/Bonds etc.,
having value (surrender value) at least equal to 100% of
loan. Extension of charge on property already mortgaged
subject to adequate residual value of security.
Repayment
Within 84 EMIs commencing 12 months after course or 6
months after getting the job, whichever is earlier.
Documents Required
parent, assets and liabilities statement of parent/guarantor,
if any.
Bank of Baroda
Canara Bank
Student Eligibility
Student Eligibility
Should be a resident of India. Secured admission through
Entrance Test/ Merit based selection process.
admission in management courses in a foreign/Indian
Loan Amount
Need based subject to repayment capacity of parent/
student, based or the expected income to be generated
after completion of the course.
Rate of Interest
Upto ` 4 lakhs: 13.00% p.a. at present.
Loan Amount
Rate of Interest
` 4 lakhs to ` 7.5 lakhs: 14.75%
` 4 lakhs to ` 7.5 lakhs: 14.50%
Above ` 7.5 lakhs: 13.50%. For Girl Students 1%
concession.
Above ` 7.5 lakhs: 14.00% p.a.
Margin
1% concession for girl students. Simple interest at monthly
rests during the repayment holiday period. 1% concession
is provided if interest debited during repayment holiday is
serviced.
Upto ` 4 lakhs: No Margin
Margin
Upto ` 4 lakhs: No security loan in the joint names of
student & parent assignment of future income of the
student.
Upto ` 4 lakhs - Nil
Above ` 4 lakhs: 5%. Scholarship/assistantship if any
received to be included in the margin. Margin may be
brought in on year to year basis as and when disbursement
are made on a prorate basis.
Security
Upto ` 4 lakhs - Nil
` 4 lakhs -` 7.5 lakhs - Collateral in the form of a suitable
third party/ guarantee along with assignment of future
income.
Above ` 4 lakhs: 5.00%.
Security
Above ` 4 lakhs -` 7. 5 lakhs: For meritorious student :
Satisfactory third party Guarantee Assignment of future
income of the student.
Above ` 7.5 lakhs - ` 10 lakhs: Collateral Security to the
extent of 100%.
Repayment
Above ` 7.5 lakhs - Tangible Security equal to 100% loan
amount.
In 5 to 6 years in EMIs. Repayment starts one year
after completion of course or six months after getting
employment whichever is earlier. Simple interest
calculated during the repayment holiday will be added to
principal and EMI is calculated.
Repayment
Documents Required
Repayment holiday - course period + 1 year. The loan is
repayable in 5 - 7 years after the above period.
parent,
Co-obligation
The loan document should be executed by both the
student (in case student is major) and the parent/guardian
as joint borrower.
Documents Required
if any.
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Corporation Bank
Syndicate Bank
Student Eligibility
Student Eligibility
Applicant should be an Indian National and should have
secured admission in professional/technical courses
through entrance test/merit - based selection process in
India or abroad.
admission in management courses of IBS.
Loan Amount
Need based finance, subject to the repaying capacity of
the parents/students with following ceilings:
Studies in India: Max ` 10 lakhs
Studies Abroad: Max ` 20 lakhs.
Rate of Interest
Upto ` 4 lakhs : 12.10%.
Loan Amount
the parents/students with margin and amount of the loan
as specified by the bank.
Rate of Interest
` 4 to 7.5 lakhs: 13.10% p.a.
Above ` 4 lakhs: 11.75%. For Girl students 0.50%
concession
Above ` 7.5 lakhs: 12.60%
Margin
Margin
Upto ` 4 lakhs: Nil
Upto ` 4 lakhs: Nil
` 4 lakhs - ` 7.5 lakhs: 5%
Above ` 4 lakhs: Studies in India: 5%
Above ` 7.5 lakhs:15%
Security
Security
Upto ` 4 lakhs: Nil
Upto ` 4 lakhs: Nil
` 4 lakhs- ` 7. 5 lakhs: Collateral in the form of
satisfactory third party guarantee.
` 4 lakhs -` 7. 5 lakhs: Third Party Guarantee acceptable
to Bank having adequate net worth.
Above ` 7. 5 lakhs: Tangible Collateral security of
suitable value or third party guarantee along with the
assignment of future income of the student for payment
of installments.
Above ` 7.5 lakhs: Collateral security equal to 125% of
loan amount.
Repayment
Repayment Moratorium: Course period plus + 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. 1% interest concession to be extended if the
interest is serviced promptly as and when debited during
study period.
Documents Required
authority stating coverage of expenses, income proof
of parent, assets and liabilities statement of parent/
guarantor, if any.
18
Repayment
Repayment Moratorium: Course period +1 year, or
six months after getting a job whichever is earlier as
prescribed by the bank. The loan is to be repaid in 5 - 7
years after commencement of repayment.
Documents Required
Central Bank of India
State Bank of Bikaner and Jaipur
Student Eligibility
Student Eligibility
Should be an Indian National. Secured admission to
professional course through selection process or on merit.
Loan Amount
the parents/students with margin and amount of the loan
as specified by the bank.
Loan Amount
Maximum Loan: Studies in India: ` 10 lakhs
Studies Abroad: ` 20 lakhs.
Rate of Interest
Upto ` 4 lakhs: 13.25%.
Above ` 4 lakhs: 13.00% p.a. For girl students 0.5%
concession.
Rate of Interest
Margin
Upto ` 4 lakhs : Nil
Above ` 4 lakhs : 5% for study in India
Security
` 4 lakhs -` 7. 5 lakhs: Third Party Guarantee
Above ` 7.5 lakhs : Collateral Security in the form of
suitable value or suitable third party guarantee along
with the assignment of future income of the students for
payment of installments.
Margin
Upto ` 4 lakhs: Nil
Above ` 4 lakhs in India : 5%
Abroad : 15%
Security
Upto ` 4 lakhs: Nil
Above ` 4 lakhs - ` 7.5 lakhs: Third party guarantee
Above ` 7.5 lakhs : Tangible Collateral Security
Repayment
Repayment holiday/ Course Period + 1year or 6 months
after getting job, whichever is earlier. The loan is to be
repaid 5 - 7 years after repayment holiday.
Repayment
Documents Required
Repayment Moratorium: Course period plus 12 months
or 6 months after getting a job whichever is earlier as
prescribed by the bank. The loan is to be repaid in 5 - 7
if any.
Documents Required
19
State Bank of Hyderabad
Bank of India
Student Eligibility
Student Eligibility
admission in Professional/technical course through
Entrance test/ Selection process. Secured admission in
foreign University/Institution.
Student should be Indian National having secured
admission at College/Universities/ Institutes in India/
Abroad for pursuing Professional/Technical Courses
through an Entrance Test/ Merit based selection Process,
having good academic record.
Loan Amount
Need based finance subject to repaying capacity of parents
/ students with following ceilings:
Rate of Interest
Margin
Above ` 4 lakhs : Studies in India : 5% Studies Abroad :
15%
Security
Upto ` 4 lakhs: No Security (Co-obligation of parent/
guardian is compulsory)
` 4 lakhs - ` 7. 5 lakhs: Collateral in the form of
satisfactory third party Guarantee
Above ` 7.5 lakhs: Collateral Security of suitable value or
Co-obligation of parents/ guardian/third party guarantee
along with the assignment of future income of student for
Repayment
Course period plus 12 months or 6 months after getting
a job whichever is earlier as prescribed by the bank. The
repayment.
Documents Required
address proof, income proof, etc
20
Courses Eligible
Graduation, Post Graduation, Professional Courses,
MBA,ICWA,CA,CSA,IIT,MBBS, B.Tech, Merchant Navy etc.
Loan Amount
Max. ` 10 lakhs for studies in India.
Max. ` 20 lakhs for studies Abroad.
Rate of Interest
Upto ` 7.5 lakhs: 13.50%.
Above ` 7.5 lakhs: 13.00% (Concession of 05 -1% for
women beneficiaries)
Margin
Upto ` 4 lakhs: Nil
Above ` 4 lakhs: In India - 5%; Abroad - 15%
Security
Upto ` 4 lakhs : Nil.
` 4 lakhs - ` 7.5 lakhs : Collateral Security in the form of
suitable third party guarantee.
Above ` 7.5 lakhs : Collateral Security in the form of
suitable value and suitable third party guarantee along
with the assignment of future income of the students for
Repayment
Course Period + 1 year or 6 months after getting
Job whichever is earlier. Max. 84 months excluding
moratorium.
Documents Required
if any.
Bank of Maharashtra
UCO Bank
Student Eligibility
Student Eligibility
The applicant should be an Indian National. He should
have secured admission into professional / technical
courses through entrance test/ Merit based selection
process. He should have secured admission in foreign
University/Institutions.
Student should be Indian National having secured
admission to professional /technical course through
Entrance Test / Selection Process. Secured admission in
foreign University / Institution. No maximum or minimum
income is prescribed for parents / family.
Loan Amount
Loan Amount
Rate of Interest
Rate of Interest
Margin
Margin
Upto ` 4 lakhs: Nil
Above ` 4 lakhs: Studies in India - 5% Studies Abroad 15%
Above ` 4 lakhs: Studies in India - 5% Studies Abroad 15%
Security
Security
Upto ` 4 lakhs: Nil
Upto ` 4 lakhs - No security
` 4 lakhs - ` 7.5 lakhs : Collateral in the form of a
Above ` 4 lakhs - Collateral securities by way of suitable
third party guarantee or tangible security equivalent to
loan amount.
Above ` 7.5 lakhs: value of collateral security equal to
amount of loan. Additional 2 guarantors acceptable to
Bank
Repayment
The applicant will get a repayment holiday of one year
after completion of the course or 6 months after getting a
job whichever is earlier. The loan is then to be repaid in 5
Documents Required
if any.
Repayment
The loan will be repaid in 5 - 7 years after commencement
of repayment. There will be moratorium for repayment
during “the course period + 1 year or 6 months after
getting job, whichever is earlier”. 1% interest concession
may be provided, if the interest is serviced during
moratorium period.
Documents Required
if any.
21
Allahabad Bank
Indian Bank
Student Eligibility
Student Eligibility
secured admission in professional/ technical courses
India or abroad.
secured admission in professional/technical courses
India or abroad.
Quantum of Finance
Loan Amount
the parents/students with following ceilings:
Rate of Interest
Margin
Up to ` 4 lakhs : Nil
Above ` 4 lakhs: Studies in India : 5% Studies Abroad :
15%
Studies in India: Max ` 10 lakhs
Studies Abroad: Max ` 20 lakhs.
Rate of Interest
Upto ` 4 lakhs : 14.50%.
Margin
Upto ` 4 lakhs: Nil
Security
Above ` 4 lakhs: Studies in India: 5%
Up to ` 4 lakhs: Nil
Security
` 4 lakhs - ` 7.5 lakhs: Third Party Guarantee &
Co-obligation required
Upto ` 4 lakhs: Nil
Above ` 7.5 lakhs: Tangible Collateral Security 100%
Repayment
The loan is to be repaid in 5 - 7 years after
Moratorium
Course Period + one year or 6 months after getting a job
whichever is earlier as prescribed by the bank.
Documents Required
Admission letter, fee structure, Permanent residential
proof, PAN, Co-obligants employment particulars, IT
returns if available, Agriculture income and Assets &
Liabilities, statements of Co-obligant/guardian.
` 4 lakhs- ` 7. 5 lakhs: Collateral in the form of
Above ` 7.5 lakhs: Tangible Collateral security of
suitable value or third party guarantee along with the
assignment of future income of the student for payment of
installments.
Repayment
Repayment Moratorium: Course period plus + one year
or 6 months after getting a job, whichever is earlier. The
repayment. 1% interest concession to be extended if the
interest is serviced promptly as and when debited during
study period.
Documents Required
if any.
22
Route Map to IBS Campuses
23
24
25
26
27
IBS Campuses
IBS-Ahmedabad
Near GNFC Info Tower, Near Grand Bhagwati
Hotel, Sarkhej Gandhinagar Highway,
Bodakev, Ahmedabad - 380054.
Phone: 079- 26850148
IBS-Bangalore
No:231, Baba Sabarapalya,
Near Check Post, Next HP Petrol Bunk,
Mysore Road, Kengeri, Bangalore - 560060.
Phone: 080-65703943
IBS-Dehradun
Rajawala Road, Central Hope Town,
Selaqui, Dehradun - 248197
Phone: 0135-30033082
IBS-Gurgaon
IDPL Complex ,Old Delhi-Gurgaon Road,
Dundahera, Gurgaon - 122016.
Phone: 0124-4980950
IBS-Hyderabad
Donthanapally, Shankarpalli Road,
Hyderabad - 501203 (AP)
Phone: 08417-236661/62/63,
IBS-Jaipur
Agra Road, Jamdoli,
Near Cambay Golf Resort, Jaipur-302 031,
Phone: 9829024490
IBS-Kolkata
WDC Building, J3, Block GP Sector-V,
Salt Lake City, Kolkata - 700091.
Phone: 033-23577125
IBS-Mumbai
Hiranandani Knowledge Park,
Opp. Hiranandani Hospital,
Off.Technology Street, Hiranandani Gardens,
Powai, Mumbai-400076
Phone: 022-40434343
IBS-Pune
Plot No. 5, Equity Tower, Sanghvi Nagar,
D P Road, Aundh, Pune - 411 007.
Phone: 020-25889638/51, 25898121/23

Selection Process 2013

Transcription

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