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Educational Loan

Government of India in consultation with Reserve Bank of India (RBI) and Indian Banker's Association (IBA) has framed a Comprehensive Educational Loan Scheme to ensure that no deserving student in the Country is deprived of higher education for want of finances. The new scheme covers all type of courses including professional courses in schools and colleges in India and abroad.

The Salient features of the scheme are as under:

The scheme envisages loans up to Rs.7.5 lakh for studies in India and up to Rs. 15 lakh for studies abroad.

For loans up to Rs. 4 lakh no collateral or margin is required and the interest rate is not to exceed the Prime Lending Rates (PLR). For loans above Rs. 4 lakh the interest rate will not exceed PLR plus 1 percent.

The loans are to be repaid over a period of 5 to 7 years with provision of grace period of one year after completion of studies



Chandigarh’s per capita income highest: Rs 99k


Chandigarh has walked away with the crown to be the country’s jewel with the highest per capita income [PCI]. With its growth pegged at 11.49% monetarily and 6.39% in real terms, the coveted position comes to the UT for the fifth time in a row. The per capita income of Chandigarh for 2006-07 is Rs 99,262 at current prices and Rs 70,361 at constant prices. Goa follows it with Rs 82,903 and Rs 54,850 for the same. Punjab fares poorly with Rs 40,566 PCI at current prices and Rs 30,158 in constant prices. As for Haryana its scores are better at Rs 49,039 and Rs 35,779. The All India figure for 2006-07 is Rs 29,642 at current prices and Rs 22,553 at constant prices. Delhi is rated third in the list, with figures of Rs 66,728 and Rs 50,565. Even as Chandigarh can’t boast of industrial growth, the Rajiv Gandhi Chandigarh Technology Park has added to its attraction drawing a lot of BPO units.

Career Guidance refers to programmes and services intended to assist individuals of any age and at any point throughout their lives, to make education, training and occupational choices and to manage their careers.

Choosing a career is a difficult matter, in the best of times. Add to this opinions of friends and parents, and the young person is caught up in a confusing situation where making a decision is almost impossible. We are providing here a model that can help young generation to choose a career, gain competencies required for it, make decisions, set goals and then take an action. This information is helpful not only for fresher but also throughout one's life. Choosing a career is a multi-step process. It involves gathering information on a number of things, the first being yourself.It involves gathering information about you. You should develop an understanding of yourself, including your values, interests, aptitudes, abilities, personal traits and desired life style. You must identify academic and career options available. This step allows you to investigate the world of work, narrow a general occupational direction into a specific one through an informed decision-making process. You will begin to identify potential careers, gather information about those careers, and match the career information with the results from your self-assessment.Then, an initial occupational choice is made. Individuals prepare for and begin conducting a job search. So, to know more about the career perspectives and latest career openings.

Universities in Punjab


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