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United Superb Education Loan Scheme

List of Approved Colleges/ Institutes

For List A Institutes:
Click here to view

For List B Institutes :
 Click here to view

Repayment of Loan:

The loan is to be repaid in 10 years after commencement of repayment. The repayment will commence after a moratorium/ repayment holiday which is Course period plus 1 year or 6 months after getting job, whichever is earlier.

Life Insurance Coverage (Mandatory):

To ensure security to student's and borrower's life and against their loan liability and additional loan component for payment of one-time premium for such insurance coverage my be sanctioned by Bank on request from the borrower(s).


The accrued interest if not serviced during moratorium period is to be added to the principal and EMI fixed on the total amount of Principal and capitalized interest.


For List A Institutes
Upto Rs 20 Lac-No collaterals
Above Rs 20 Lac-Tangible collaterals covering loan amount

For List B Institutes
Upto Rs 10 Lac-No collaterals
Above Rs 10 Lac-Tangible collaterals covering loan amount


The student of Indian national to pursue admission to the above courses through entrance test / merit based selection process in India

Concession in interest rate

0.25% interest concession is allowed to girl students during moratorium period and also repayment period under B category Institutes


For List A Institutes
Upto Rs 20 Lac-Nil,
Above Rs 20 Lac-5%

For List B Institutes
Upto Rs 10 Lac-Nil
Above Rs 10 Lac-5%

Processing Charge


You have a wide range of choice of deposits through as many as 10 different schemes offered by UBI. You may select them according to your best suited mode of meeting.