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Jammu & Kashmir Bank
Eligibility : 


  1. Should be an Indian National
  2. Should have secured admission to professional/ technical courses through entrance test/ selection process.
  3. Should have secured admission to foreign universities/ institutions
  4. Should have passed the qualifying examination for admission to the courses.
  5. Employed person intending to improve their educational qualification and/ or receive training in modern technology in India or abroad can also be assisted under this scheme provided training offers prospects of better placement.


  1. Graduate / P.G Courses in : Medicine, Surgery, Engineering, Hotel Management, Design, Architecture, Bio-chemistry, Agriculture, Veterinary etc.
  2. P.G Courses in : Business Management, Chartered or Cost Accounting , Company Secretaryship.

Loan Details



  1. For studies in India - Rs.7.50 Lacs
  2. For studies Abroad - Rs.15.00 Lacs


  1. For loans upto Rs. 4 lacs - nil
  2. For loans above Rs. 4 lacs
    - Studies in India - 5%
    - Studies abroad - 15%


  1. Personal guarantee of borrower/ 's
  2. Collateral security equal to amount of loan.
Rate of Interest

  1. Upto Rs.25,000 - 9% p.a
  2. Rs.25,001 to Rs.5.00 Lacs - 10.50% p.a
  3. Above Rs.5.00 Lacs - 11.50% p.a

Repayment Holiday/ Moratorium: Course period + 1 year or 6 months after getting job, whichever is earlier

The loan to be repaid in 5 to 7 years after commencement of repayment. If the student is not able to complete the course within the scheduled time, extension of time for completion of course may be permitted for a maximum of two years.

To Know More Information click : http://www.jkbank.net
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