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6. We have considered the submission of learned counsel for the appellant and perused the records. It is useful to quote the revised model scheme on educational loans which has been issued by the Bank on 28.05.2012. The learned counsel has referred to Clause I(d) and I(e) of the Scheme, which read as under:

"I) 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 recognized institutions in India or Abroad through Entrance Test/Merit Based Selection process after completion of HSC (10 plus 2 or equivalent).

technical courses, irrespective of the common entrance test."

7. The communication which has been issued by the Bank to the petitioner dated 20.03.2013 also referred to the guidelines dated 28.05.2012 and stated that since the petitioner's admission was not by common entrance test and she has not secured 65% in aggregate in the qualifying examination, she is not eligible for the loan. For deciding the issue, we have to interpret Clause I(d) and (e) of the Scheme. Clause I(d) is the general condition regarding student's eligibility for loan which provides "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)". The insistence of the Bank is that the students will be given the benefit of loan only when they have secured admission to higher education course in a recognised institution in India through Entrance Test/merit test selection. In this case the petitioner had been admitted in the institution which is recognised by Indian Nursing Council and from Ext.P3 it is clear that 60 seats have been allocated to the National College of Nursing, Bangalore, where the petitioner has sought admission. Thus, the institution where the petitioner has sought admission is a recognised institution. The petitioner was not admitted through the common entrance test, which is also clear from the records.