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Frequently Asked Questions - General Issues and Questions

  • Course Selection
  • College Selection

  • What is CollegeSearch?

    CollegeSearch is a vertical search engine for students. You can look for a college by selecting the course and location that interests you, and further filter by fees, management style, and branch. The website currently offers information about 13000 colleges, and more are being added every day. Our aim is to provide you information about all 30000 colleges in India. CollegeSearch is the fastest growing educational website in India with over 20 lakh college searches every month.
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  • I have shortlisted two colleges - can you tell me which is better?

    We do not rank colleges or tell you which one is better but you can get an idea about an institute's caliber by looking at the infrastructure, faculty, eligibility and admission procedure along with gallery, collaborations, events and awards. In the case of professional colleges, it is also useful to consider placement information like top recruiters and past salaries.
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  • My city is not listed in the search - what should I do?

    Since there is limited space in the location section of the website, we have only displayed the large metro cities or cities with a large number of colleges. In all cases, it is best to search by choosing your state rather than city, since it will also include some colleges which might otherwise fall just outside city limits.
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  • I can't find my college or a college in my locality. Why don't you have information about them?

    We do our best to include all the colleges which currently offer the courses we provide information about: BTech, MTech, MBA, BBA, MBBS, MD, BCA, MCA, LLB, BALLB, LLM, BArch, MArch, BHM, BPharm and MPharm. However, despite our best efforts it is possible that we may have missed a college.
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  • How do you decide the order in which you show the colleges? Your ranking is wrong according to me!

    We do not rank colleges. However, we do try to ensure that you always see the best results with the most reputed and popular colleges appearing first. Our algorithm takes into account several pieces of information including the campus, faculty, approval/recognition date, placements (if applicable), reputation and awards. We also consult several popular rankings like India Today, Outlook and HT Mint to ensure that our results are in line with their opinions. We do not control the search results manually and it is not possible for our team to push a college up or down in the search results. All results are 100% computerized and based on college information and interest generated from users.
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  • College Application
  • Education Loans

  • What are the important documents that I need to provide?

    Documents required for Education Loan may vary from Banks to banks .Some banks require all or any of the following documents as pre sanction documents, below you can find the list of documents required:
    Mark sheet of last qualifying examination for school and graduate studies in India
    Proof of admission to the course
    Cost of Living and course expenses
    Copies of letter confirming scholarship, etc.
    Copies of foreign exchange permit, if applicable.
    2 passport size photographs
    Statement of Bank account for the last six months of borrower.
    Income tax assessment order not more than 2 years old
    Brief statement of assets and liabilities of borrower.
    If you are not an existing bank customer you would also need to establish your identity and give proof of residence.
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  • What is eligibility for getting Loan?

    The applicant should be an India National.
    The applicant must have secured admission to professional/technical courses through Entrance Test/Selection process.
    Secured admission to foreign university/ Institution
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  • What are the expenses considered for Education Loan?

    1.Fee payable to College / School /Hostel.
    2.Examination/Library/Laboratory Fee.
    3.Purchase of Books / Equipments/ Instruments/ Uniforms.
    4.Caution Deposit/ Building Fund/ Refundable Deposit
    5.Bills/Receipts of the Institution, subject to the conditions that amount does not exceed 10% of the total tuition fees for the entire course.
    6.Travel Expenses/Passage Money for studies abroad.
    7.Purchase of Computers essential for completion of the course at reasonable cost. Insurance premium for student borrower.
    8.Any other expenses required to complete the course, such as- Study Tours, Project Work, and Thesis etc.
    9.Reimbursement of the fee paid at the time of counseling if applied within 60 days from the date of such payment.
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  • What are the margin and security norms for Education Loan Schemes?

    Margin :
    Up to Rs.4 Lacs - Nil
    Above Rs.4 Lacs - 5% (India), 15% (abroad)
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  • How much Loan can I get ?

    Students Loans are basically of two types:
    Study in India :
    For Studies in India -
    Up to Rs 4 lakh - Without providing any security or margin.
    Rs 4 lakhs to Rs 7.5 lakhs - Can be availed against a third-party guarantee.
    This loan comes with a 5% margin (what this means is that you will get five percent less the amount sanctioned as loan; you will have to put together the rest of the money). The third-party guarantee can come from an uncle, neighbour or friend standing guarantee for the full amount.
    Overseas study loans :
    Upto Rs 7 lakhs and above - Are usually sanctioned against fixed deposits, NSC certificates, property worth the loan amount and a margin amount of 15 percent (what this means, again, is that you will get 15 percent less the amount sanctioned as loan; you will have to put together the rest of the money).
    Also, if a loan below Rs 4 lakhs comes at x rate of interest, the loan over Rs 4 lakhs is usually charged one percent higher interest.
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  • What is EMI? How is it calculated?

    EMI stands for Equated Monthly Instalments. This instalment comprises both principal and interest components. Your EMI would be calculated depending on the tenor you choose, to repay your loan.It would be higher if you choose to repay within a shorter period as against a longer-term loan. A shorter repayment period, however, reduces your interest cost over the term of the loan.
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  • What does repayment schedule imply ?

    The repayment would begin one year after the course period or six months after you get a job, whichever is earlier.
    You are expected to pay a minimum amount equivalent to the EMI on a monthly basis. However, you can choose to pay more than the EMI, and we do not charge any prepayment penalty.
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  • How interest is charged on Education loans and are there any concessions to students?

    Interest charged on simple basis during the moratorium
    Concession of 1% ROI if interest serviced during moratorium period and thereafter instalments are paid regularly.
    Interest concession of 0.50% for women beneficiaries

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  • Are there any processing charges one has to pay for availing Education loan?

    For studies in India- NIL processing fee, however, documentation charges for loans up to Rs. 4 lac and above Rs.4.00 lac - exclusive of service tax and education cess are charged.
    For Studies abroad: Upfront fee @ 1% with a minimum of Rs.10,000/- which is refundable on availment of the loan
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  • How Many Education Loan Schemes are there?

    Most of public sector banks have 3 types of education loan scheme:
    1. Education loan for India & abroad
    2. Education loan for Vocational Training courses
    3. Education loan for students getting admission in premier institute as listed by various banks.
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  • Do govt-approved institutes or AICTE approved institutes stand a better chance? What would be the equivalence abroad?

    Yes. College, university rankings by the fabled and unbiased organizations help students and lenders to take right decisions.
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  • I have a home loan outstanding. Am I still eligible to apply for the educational loan? / my father has a home loan outstanding. Can he still be a guarantor/co-borrower?

    Yes, you can apply for the educational loan and your father can be the co-borrower provided he has a good income or we shall require additional co-borrower from your relative with a good income proof.
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  • What if the applicant gives up studies half way?

    He/she will have either close the loan by paying full amount or keep repaying monthly installments on time to avoid becoming a defaulter and ruin their own credit history.
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  • What is co-borrower/guarantor?

    The Co-borrower should be an Indian citizen who would agree to co-sign and execute the loan agreement and other documentation; who is able as well as promises to service the interest in the moratorium period comprising of the study period and grace period and in the event of the student’s inability to repay the loan would repay the instalments of the loan and/ or provides the collateral security.
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  • How can I find out how much education loan I'm eligible for and the interest rates for all banks?

    You can use the 'Check Eligibility' option to calculate your eligibility on the basis of whether you want to study in India or abroad, your institution preference, gender and whether or not you want a collateral free loan.
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  • Is collateral necessary for education loan in India?

    No, there are several collateral free education loans offered by banks and other companies. However, you can expect a higher loan amount and reduced interest rates in case you can secure the loan with a collateral (most often property of parents or relative).
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  • Can I apply for a loan directly via CollegeSearch?

    Once you register on CollegeSearch and check the box titled 'I'm interested in taking an education loan', we automatically connect you to banks and other companies providing education loans.
    However, they may require you to fill up the offline loan application separately in the format required.
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  • Study Abroad

  • Why study abroad?

    Gaining a high-quality education, experiencing immersion in a new culture (and often a second language), gaining a global mindset and expanding future employment prospects.It is exciting challenge that often leads to improved career opportunities and a broader understanding of the way the world works
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  • Where in the world should I study?

    It is a difficult task to select a country you wish to study.One has to keep in mind the costs of studying in that country (both tuition costs and living costs), graduate career prospects (is there a good job market?) and your overall safety and welfare. Most popular destinations for study abroad are USA,UK,Canada,Australia,Germany.
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  • How do i get started?

    You can research leading universities with the QS World University Rankings, use the subject rankings to discover universities which are best for your subject, and also consult national rankings of universities in your chosen destination.
    Decide when and where to study abroad.
    Once after deciding the program and institutions, you can now think about application
    Line up financial resources.
    In case of student visa, remember that in most cases you need letter of acceptance from your chosen university for applying for Visa. Each stage can take several months, so take as much time as possible.
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  • How long do study abroad programs take?

    Duration of the program depend on the type of course you have selected for studying.Generally, an undergraduate degree will take three or four years of full-time study (for example, in the UK the typical length for most subjects is three years, while in the US it is four), while a graduate degree such as a master's degree or equivalent will take one or two years. A doctoral (PhD) program will usually take three to four years.
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  • When can I start applying for study abroad programs?

    As soon as you gain acceptance in university, start arranging your travels.Application deadlines will be different depending on the school, but generally, for programs starting in the (September/October), applications will be open from early in the year (January/February) until the middle of the year (June/July).
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  • What are the entry requirements for study abroad programs?

    Entry requirements vary widely between universities and between countries.For example,if you are applying for an undergraduate degree you will be asked to show that you have completed your secondary education to a standard that is in line with the required grades (e.g. your GPA, A-level grades or equivalent) for the program you're applying to. If you have an international qualification and are unsure whether this is accepted, you should contact the admissions department of the university.
    For non-native English speakers wanting to study in English speaking countries, you will need to provide proof of your English-language proficiency by taking an English-language test such as TOEFL or IELTS. Similar tests may be required for those studying in other languages.
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  • What documentation should I submit with my application?

    You may be asked to provide some supporting documentation as part of your application. Once again, requirements vary depending on the country and university, but international students are often asked to provide the following:
    1.Passport photos for identification
    2.A statement of purpose
    3.CV/resume
    4.Academic references/ letters of recommendation
    5.Certificate and transcripts of your secondary education
    6.Proof of English-language proficiency (e.g. a TOEFL/IELTS certificate, for schools in English-speaking countries), or other language test
    7.Admissions test results (e.g. GMAT/GRE results, for graduate programs)
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  • Where can I find study abroad scholarships?

    Scholarship details are available in country section of Study abroad.You can view scholarship details of particular country by clicking on the country link.
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  • Can I work during my studies abroad?

    This will depend on whether or not your student visa allows you to work. In some countries there are restrictions on the amount of paid work you can undertake during your studies; often there is a limit of 20 hours paid work per week during term time, with full-time work permitted during holidays.
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  • I want to study in another country or university which is not available on CollegeSearch

    At the moment, CollegeSearch only provides information about 5 countries and the 4 top universities in those countries. We will be adding to our database of countries and universities in the future.
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  • I have specific queries related to travel, visa or admission formalities for a particular university or country. Who should I contact for counselling?

    CollegeSearch does not partake in educational counselling but you can find several counsellors and consultants listed on the country's page who would be happy to provide this service.
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  • Account & Settings
  • CollegeSearch for Institutes

  • I am part of the faculty/management at a college but I can't find my college here - what should I do?

    Welcome! Please click on the link below to register your college on CollegeSearch - its very easy and absolutely Free!
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  • Who are Basic, Static, Active, Connected & Dynamic Users? How is it decided which category our institute would fall in?

    Active User - Colleges that update their profile regularly and accept online applications are called "Active Users". As an Active User on CollegeSearch, you can be proud of ensuring that over 3 million college aspirants and parents are viewing accurate information about your institute and can apply to you directly. However, application interest is likely to be muted since applicants do not see your 'Response Time'
    Connected User - A Static User who updates the status of Applications received via CollegeSearch (In Process, Admitted, Rejected etc) is referred to as a Connected User. Based on when the application status was first changed, potential applicants see the institute's Response Time on their profile. However, the information on the profile could be outdated or irrelevant.
    Dynamic User - Congratulations! As a Dynamic User on CollegeSearch, you can be sure that your profile information is accurate and the Response Time published on your profile encourages potential students to instantly submit an online application.">Basic User - If your college is listed as a "Basic User", it means that the information on your profile is regularly updated or verified. Colleges in this category display more accurate information than non-users. However, students cannot apply for admission to your college via CollegeSearch.
    Static User - A college which accepts online admission applications via CollegeSearch is a "Static User". However, such an institute may have outdated information on their college profile.
    Active User - Colleges that update their profile regularly and accept online applications are called "Active Users". As an Active User on CollegeSearch, you can be proud of ensuring that over 3 million college aspirants and parents are viewing accurate information about your institute and can apply to you directly. However, application interest is likely to be muted since applicants do not see your 'Response Time'

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  • How do you define Top Movers?

    Top movers are colleges which have improved their response time most significantly during the past weeks. Thousands of colleges which login to their profiles will see the top movers which are progressing most rapidly.
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  • How can my college appear in the Top Movers section?

    It's simple - whatever your current response time, you can be sure that there is always scope for improvement. Access your applications more regularly and upon responding to the application (online or offline), immediately update the status on CollegeSearch. This will improve your Response Time, encourage potential students to apply and give you a shot at making the Top Movers section
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  • How is Response Time calculated for a college or university?

    The time elapsed between when an application was submitted by a student and when you changed its status from 'New' to 'In Process' or 'Admitted' is the Response Time for that application. Average Response Time for your institute is calculated by taking the average of Response Times for all the applications you have received till date.
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  • How can I improve my Response Time?

    Ensure that you have set the dates for each course where you would like to receive online applications via CollegeSearch. Provided the applications are received during that date range, be quick to access the applications and respond to the students. Whether your response is sent via CollegeSearch or via SMS, Email, Phone Call etc, be sure to change the status of the application once you have responded.
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  • Information about our college is updated. Why do we need to verify it?

    Verifying your information tells the student that you take your institute's reputation seriously. Parents and students can see when a college or university has last verified various information on their profile, and perceive the information provided by the college to be accurate and of a higher standard.
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  • Why is verification of information important?

    Verification of information is vital as it ensures that students visitng your institute profile learn about accurate and most updated information.
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  • Does changing application status to pending, in process, closed or admitted help in any way?

    Yes, changing the status of applications from new to pending, in process, closed or admitted helps your institute to have an intact admission process. It allows you and CollegeSearch to track each application, as well as helps to keep all the applications informed.
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