The maximum eligible loan limits based on the institution category are as follows:

• Category A: Students of ISB, Hyderabad & Mohali – Limit up to Rs. 50.00 lakhs
• Category B: Students of Symbiosis Groups (4), BITS (3), IIFT (1), MGUMST (1), IMS (1) – Limit up to Rs. 40.00 lakhs
• Category C: All other institutions not in Category A or B (43 institutions) – Limit up to Rs. 30.00 lakhs

• Assignment of future income of the student.
• No security up to specified limits for institutions as per the maximum limit:
  • Rs. 50.00 Lakhs – Group A (e.g., ISB)
  • Rs. 40.00 Lakhs – Group B (e.g., IIMs, other premier institutes)
  • Rs. 30.00 Lakhs – Group C (e.g., IIITs, other reputed institutes)

• Repayment in EMIs up to 15 years excluding the moratorium period (course duration + 1 year).
• No prepayment penalty during repayment period.

• College/school/hostel fees
• Examination, Library, Laboratory fees
• Travel expenses for studies abroad
• Student insurance premium (if applicable)
• Caution/building fund or refundable deposits (with proof)
• Books, equipment, instruments, uniforms
• Computer (if required for the course)
• Other course-related expenses: study tours, thesis, etc.
• Reasonable lodging and boarding (if staying outside campus)