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ZENITH International Journal of Multidisciplinary Research
Year : 2017, Volume : 7, Issue : 8
First page : ( 13) Last page : ( 24)
Print ISSN : 2231-5780.

A study on efficacy of education loan from students’ perspective

Mrs. Patel Aarti*, Dr. Bhandari Kamlesh**

*Asst. Professor, St. Paul Institute of Professional Studies, Indore.

**Professor, P.M.B.Gujarati Commerce College, Indore.

Online published on 4 October, 2017.


India is fast emerging as one of the biggest knowledge economy of the world. It has one of the largest pools of talent with excellent educational background, qualifying them for numerous higher educational programs in India and abroad. The cost of education is rising. However, their insatiable desire to acquire and enhance knowledge will stand them in good stead, in competitive times. Despite all odds, towards meeting this end, the students are ready to walk that extra mile. The opportunities are abundant; and the avenues to attain a student's career goals are immense; hence, Indian students want to grab these opportunities and make use of it to their advantage. For achieving their objectives, they are ready to stretch beyond their capacities and means. When their personal financial resources do not provide them with sufficient support, they go for external finance. This is where the role of financial institutions assumes great importance. The Government of India is also lending an active support, by relaxing the norms for granting educational loans to students and pushing the public sector banks to extend loans.



Efficacy, Opportunities, Students’, Satisfaction, Employability.


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