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

Title: - learningal activity loanword scheme features & deficiencies-policy option and strategies. thieve Education loans form a part of the priority sphere of influence advances of the frequent Sector Banks and most of the teaching methodal loans are taken for pursue high(prenominal) education courses. In the knowledge era, high(prenominal) 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 concern in India in the post-reforms period. In the light of the facts that scholarships going to higher education make up declined, in real terms, and it is a vehicle of upward mobility, the education loan sche me comes in to touch in order to raise access ratio in higher education. This paper is a humble attempt to pollard its growth & performance during the period 2004-10 by dint of a baptismal font study of scheduled mercenary banks in Chandigarh (2007); to operate deficiencies in the scheme and suggest some policy options in this regard.

The important conclusion of the study is that the scheme is run stringently on mercenary basis and does not offer both cushioned options for the meritorious and the needy. METHODOLOGY The methodology has been discussed below: look into DESIGN A postdate has been conducted on the edu cational loan scheme run through the commerc! ial banks of India in the course of study 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 grease 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 For carrying out...If you want to witness a full essay, order it on our website: BestEssayCheap.com

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