DEPARTMENT OF TECHNICAL

EDUCATION ANDHRA PRADESH

Name : Md. Qudeer Rehman
Designation : Head, CCP
Branch : DCCP
Institute : KDR, GPT Wanaparthy
Year/ semester : VI Semester
Subject : Banking-II
Subject code : CCP-604(B)
Topic : Marketing of Banking Products
Duration : 50 mts
Subtopic : Education loans
Teaching aids : Diagrams
CCP604(B).78 1
Objectives

On the completion of this period you would be able to

Explain the various products which are offered by the

banks for it customers
Explain the education all loans to be advanced by the
banks
Explain the procedure for professional studies for
which the loans are offered by banks
Explain the amount of loan and its interest amount to
be paid in installments

CCP604(B).78 2
Recap
The students already know:
 The marketing strategies of modern
banking products
 The marketing of banking products
 The housing loans offered by banks
 The personal loans and its types offered
by banks

CCP604(B).78 3
Educational loans
 Professional studies in India and abroad
Ex: America, Germany, England, China,
Australia etc,.
 Studies at advanced levels post
graduation, doctoral and research level
 Medicine
 Pharmacy
 Computers
 Engineering
 Management
CCP604(B).78 4
Educational loans
 To meritorious candidates
 To study only professional education at
degree/ post graduation level in India or at
Abroad
 Bank guarantee have to be provided before
availing loans at the minimum interest rate
 A time gap is to be provided to pay back the
amount. It differs from bank to bank

CCP604(B).78 5
Educational loans from banks:
 To rank holders – medicine dental courses
engineering pharmacy, computers, IT
 post graduations studies MBA, MCA. MTech,
MDS, MD, MS, and others
 Loans amount:
 Actual fee– tuition & others, text books +
miscellaneous expenditure
 Repayable after completion of studies + 5
years after passing
 Nominal interest
 Bank guarantee have to be provided
 Tax exemption of interest amount of loan
CCP604(B).78 6
Advantages of banks loans to
professional studies
 The meritorious candidates have very easy
access to loans for professional studies
 The term and conditions are very convenient
 Income tax exemption on loan interest to the
parents who take professional study loans to their
wards
 Economically weak meritorious candidates have
an opportunity to study professional course
 Foreign studies are easy on bank loans
 Research doctoral studies have become easy for
merit students
CCP604(B).78 7
 Marketing strategies of bankers:
All the nationalized banks adopt a unified policy to offer their
marketing products

Publicity campaign

Bank employees to
Offers loans at admission Posters/ banners Weeklies/bank journals
centres At bank premises Pub. place demos

CCP604(B).78 8
Summary:

we have discussed about:

 The Educational loans
 Various courses for which loans are given
 Advantages of education to promote
educational loans

CCP604(B).78 9
Assignment:

1. Explain the professional courses for

which loans are given by banks
2. Explain of advantages of bank loans
3. Explain the strategies of banker in
marketing their products

CCP604(B).78 10
Quiz
1. The professional loans the banker offers in
the following areas of studies:

a) Medicine and Dental Sciences

b) Pharmaceutical Sciences & Engineering
c) Management and Computers
d) All the above

CCP604(B).78 11
Quiz
2. The banker adopts the following marketing
strategies in the education banks:
a) Advertisements at bank premises
b) Campaign at spot admission premises
c) Bank journals and daily papers and
pamphlets
d) All the above

CCP604(B).78 12
Quiz
3. The banker gives education loans to the
students who are:
a) Rich people who pay back loans to the bank
b) To the economically weak with subsidy relief
c) To the meritorious candidates who study
professional course
d) To the bank staff only

CCP604(B).78 13
Frequently asked questions

1. Explain any six professional studies whose

the bank offers the educational loans
2. Explain any four areas where the banker offer
the professionals to study at abroad
3. Explain:
1. Loans for MBA
2. Loans for MCA
3. Loans for pharmaceutical science

CCP604(B).78 14
Frequently asked questions

4. Explain:
a. Engineering study loans
b. Computer study loans
c. Study loans to medicines and dental
science

CCP604(B).78 15