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2. Model Education Loan Scheme for Loans under Management
Quota (Non-IBA Scheme)
Under the IBA Model Education Loan Scheme, the 'Eligibility
Criteria' of a student was described as "those who have secured
admission to a higher education course in recognized institutions
in India or Abroad through Entrance Test/Merit Based Selection
process after completion of HSC (10 plus 2 or equivalent) and
there is no minimum marks prescribed for eligibility". It is also
stated that the entrance test conducted by Government/Approved
Regulatory Bodies or Universities approved by UGC/AICTE have to
be reckoned for this purpose. Under clause 'B' Loan Scheme,
loans under Management Quota was prescribed and the eligibility
for admission is described as "a minimum of 50% mark both for
W.P.(C) Nos.17271, 17272,
17313 & 20420 of 2015
the qualifying examinations and qualifying subjects individually
(viz. Physics, Chemistry and Mathematics for Engineering and
Physics, Chemistry and Biology for Medical/Nursing) will be
stipulated for granting Education Loan under Management
Quota".
W.P.(C) Nos.17271, 17272,
17313 & 20420 of 2015
"2. ELIGIBILITY CRITERIA
2.1 Student eligibility
* Should be an Indian National
* Should have secured admission to a higher
education course in recognized institutions in India or
Abroad through Entrance Test/Merit Based Selection
process after completion of HSC (10 plus 2 or
equivalent). It would be in order for banks to consider a
meritorious student (who qualifies for a seat under
merit quota) eligible for loan under this scheme even if
the student chooses to pursue a course under
Management Quota seat in an institution for reasons of
convenience (proximity) or choice of course.
"1) Revised Model Scheme on Educational Loans for
Higher Studies in India and Abroad(2011).-
(d) Should have secured admission to a higher
education course in recognised institutions in India or
Abroad through Entrance Test/Merit Based Selection
process after completion of HSC(10 plus 2 or
equivalent).
(e) In case where admission is not through
common entrance test and the marks secured in the
W.P.(C) Nos.17271, 17272,
17313 & 20420 of 2015
qualifying examination is the only criteria adopted, the
minimum cut off marks should be 65% in aggregate in
the qualifying academic examination."