Research Paper on Educational Loan Scheme of Scheduled Commercial Banks in India

Title: - learningal activity loan scheme features & deficiencies-policy option and strategies.

ABSTRACT

Education loans form a part of the priority sector advances of the frequent Sector Banks and most of the educational loans are taken for pursue high(prenominal) education courses. In the knowledge era, higher education has gained significance all across the world. Like other underdeveloped nations, India also faced financial crunch in the earliest nineties and higher education suffered in terms of allocations. And in the pursuit of raising access ratio in higher education, private institutions entered the field and there has been steep rise in user charges in most-sought-after professional courses like engineering and circumspection in India in the post-reforms period. In the light of the facts that scholarships going to higher education have declined, in real terms, and it is a vehicle of upward mobility, the education loan scheme comes in to center in order to raise access ratio in higher education. This paper is a humble attempt to canvas its growth & performance during the period 2004-10 by dint of a baptismal font study of scheduled mercenary banks in Chandigarh (2007); to enlist deficiencies in the scheme and suggest some policy options in this regard.



The important conclusion of the study is that the scheme is run purely on mercenary basis and does not offer any cushioned options for the meritorious and the needy.



METHODOLOGY

The methodology has been discussed below:
RESEARCH DESIGN
A postdate has been conducted on the educational loan scheme run through the commercial banks of India in the year 2007. The results have been presented using pct method, tables and pie-diagrams.
SAMPLE DESIGN
A survey has been conducted on the commercial banks in the Union Territory of Chandigarh. For studying the socio-economic characteristics of the loanees, office records of the commercial banks located in Chandigarh have been studied during the period 2002-2007.
study AREA
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