Selection Process 2013

Selection Process 2013

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Selection Process 2013

Candidates who are shortlisted for the MBA/ PGPM program based on their IBSAT 2012/ GMAT/ CAT scores are called for the selection process conducted at nine IBS campuses namely IBS Ahmedabad, IBS Bangalore, IBS Dehradun, IBS Gurgaon, IBS Hyderabad, IBS Jaipur, IBS Kolkata, IBS Mumbai and IBS Pune. The selection process is conducted for the following programs of IBS: MBA program offered by IBS Hyderabad, IBS Dehradun and IBS Jaipur. PhD program in Management offered by IBS Hyderabad. PGPM (Post Graduate program in Management) program offered at IBS Ahmedabad, IBS Bangalore, IBS Gurgaon, IBS Kolkata, IBS Mumbai and IBS Pune. The admission decision is solely based on the overall performance of the candidate. The composite score of a candidate is arrived at based on the candidates past academic record and performance in Group discussion and Personal Interview. Irrespective of where the candidates attend the selection process, they are eligible for selection for the campus based on their overall performance. Candidates who are shortlisted for the PhD program are called for the selection process at IBS Hyderabad campus.

How to reach the Selection process venue

Selection Process Schedule

Registration for the Selection Process

Selection Process
- Group Discussion - Personal Interview - Criteria for selection - Score Card - Choosing the campus - Payment of Admission Fee - Waitlist allotments - Campus transfers

l Submission of documents l Personal Data Form l Issue of RegistrationCard

Eligibility criteria

Preparatory Classes Registration and Regular classes Address for correspondence

Fee Schedule

Financing your education

Selection Process 2013

How to reach the Selection process venue

The route maps of all the nine IBS campuses where the selection process is conducted are given on pages 23 to 27. The candidates have to report at the selection process venue on the date confirmed by them online by 9.00 a.m . The registration will be closed by 9.30 a.m. For any queries relating to reaching the venue please contact the respective IBS campus (contact numbers with addresses are given on back page of this booklet).

Selection Process Schedule

Activity Registration Briefing Group Discussion Personal Interview Timings 9.00 a.m. - 9.30 a.m. 9.30 a.m. - 10.00 a.m. 10.00 a.m. onwards 10.00 a.m. onwards

Selection Process 2013

Registration for the Selection Process

All the candidates have to register for the Selection Process at 9.00 a.m. at the selection process venue on the date confirmed by them by showing the selection process call letter.

Personal Data Form

Candidates are required to submit the duly filled in personal data form with photo affixed at the time of registration. The candidates will not be permitted to register for selection process without submission of the duly filled in personal data form. Candidates should give a complete and true picture of themselves in terms of their accomplishments, academic abilities and plans for the future as the details provided are carefully reviewed, and the admission decision is made only after assessing all the information provided. Candidates seeking admission to the MBA program offered at IBS Hyderabad, IBS Dehradun and IBS Jaipur and the PGPM program offered at IBS Ahmedabad, IBS Bangalore, IBS Gurgaon, IBS Kolkata, IBS Mumbai and IBS Pune are advised to indicate their order of preferences for all the nine campuses.

Submission of Documents
Candidates have to submit the following documents at the registration counters on the day of selection process: Personal Data Form (Duly filled in with photo affixed) Xerox copies of marks sheets and certificates of X, XII and graduation (Self attested). Xerox copies of marks sheets and certificates of Post Graduation/ Professional Qualification (Self attested If applicable). The candidates will not be permitted to attend the selection process if they do not submit the above documents.

Issue of Registration Card

Candidates who submit the duly filled in personal data form and self attested Xerox copies of their marks sheets and certificates, will be registered and issued a registration card which gives the details of events for the day. The Registration Card should be retained by the candidates till they leave the campus.

Selection Process 2013

Selection Process
The selection process comprises of Group Discussion and Personal Interview. The selection process generally takes 3 4 hours from the commencement of briefing. Hence the candidates are advised to plan their return journey only after 6.00 pm.

Criteria for selection and allotment of seats

Admissions are strictly based on merit. A composite score out of 100 is arrived at based on various parameters. The weightages allotted to different components in the selection process are given in the table:
Criteria a Past Academic Record X Class Marks XII Class Marks Degree Marks b c Group Discussion Personal Inteview Total Score 12 12 16 40 30 30 100 Weightage (%)

Group Discussion
In the group discussion a topic will be announced to a group of 8 candidates. The candidates will be given 15 minutes for the group discussion. After discussion each candidate will be given an opportunity to summarize his/ her opinion in a minute. Depending on the individual contribution the candidates attributes are assessed on various parameters like expression, initiative, communication, analytical skills and behavior in group.

Personal Interview
The personal interview is the final stage of the selection process. The interview panel members are Directors, Deans, Senior Faculty Members and Alumni. They will interview the candidates for about 10 - 15 minutes. The questions during the personal interview will focus on assessing the attitude, aptitude and aspirations of the applicant. The interview panel will also evaluate the candidates general knowledge, communication skills, clarity of thought and expression, and aptitude for a career in management.

Score Card
The detailed score card indicating the percentile secured in past academic record, Group Discussion and Personal Interview will be provided on the website www.ibsindia.org in the last week of March 2013. The candidates can view their eligibility for selection or waitlist for the campuses by logging in with the admit card number as login id and date of birth as password. A candidate may be eligible for selection for one campus and waitlisted for another campus.

Selection Process 2013

Choosing the Campus

Based on the eligibility the candidate has the option to choose the campus. The candidates have to indicate their choice of the campus in the online Campus Selection Form. On selecting the campus the candidates will be provided an option to download the selection letter and the fee remittance form.

Eligibility Criteria
For MBA/ PGPM programs
Graduation in any discipline with a minimum of 50% marks; with medium of instruction as English. Candidates not meeting the eligibility criteria of English medium at undergraduation level have to submit the TOEFL/NELT/IELTS score by May 31, 2013. Minimum 15 years of regular education (10 + 2 + 3 or 10 +2 + 4). Candidates who have completed their bachelor degree by part time or through distance education or on a one-time sitting basis or on a 2-year basis are not eligible for admission. For the purpose of determining eligibility based on the percentage of marks, the procedure used by the respective university in award of the degree will only be taken into consideration. Candidates who are in their final year bachelors degree courses are eligible to participate in selection process, provided they complete their graduation requirements (including practical examinations/viva/ assignments/ backlogs) before May 31, 2013. For candidates whose degree results are not yet declared, the admission will remain provisional until they produce marks sheets and degree certificates establishing their eligibility. The last date for submitting proof of graduation is November 01, 2013. Candidates who do not meet the eligibility criterion of scoring a minimum of 50% in graduation can apply for refund of 75% of the first installment of tuition fee paid.
Selection Process 2013

Payment of Admission Fee

The candidates have to send the admission fee in the form of demand draft with the fee remittance form to the IBS Admission office by April 19, 2013. The payment of fee within the due date is for reserving the seat in the program. The fee received after the due date will not be accepted.

Waitlist Allotments
The waitlist allotments will be done from April 22, 2013 onwards.

Campus transfers
Candidates are requested to note that there is no facility for change of campus.

No canvassing
There are no management or NRI quotas. Candidates and parents are strictly advised not to resort to any canvassing directly or indirectly to support their application. Canvassing or recommendation in any form will be a serious disqualification.

Eligibility criteria will be checked from August, 2013 onwards. Hence, the onus of ensuring that they satisfy the eligibility criteria rests solely with the candidates. Any inaccurate information, misleading information or omission will cause for the withdrawal of admission offer and the fee paid by the candidate is non refundable in such instance. For any clarification on eligibility criteria please contact IBS Admission Office only.

Candidates not meeting the eligibility criteria of English medium in graduation and/ or post graduation have to submit the TOEFL/NELT/ IELTS score by May 31, 2013. Minimum 17 years of regular education (10 + 2 + 3 + 2 or 10 +2 + 4 + 2). Candidates who have completed their bachelors or post graduate degree by part time or through distance education or on a one-time sitting basis or on a 2-year basis are not eligible for admission into the program. For the purpose of determining eligibility based on the percentage of marks, the procedure used by the respective university in award of the degree will only be taken into consideration.

Eligibility Criteria for PhD Program

Post Graduate in management or Professional qualifications like CFA, CA, ICWA and CS with 60% and above marks.

Preparatory Classes
The preparatory classes for the MBA/ PGPM program are organized on topics like Case methodology, Business mathematics, Basics of accounting, Computer skills, Communication and Presentation skills and other activities pertaining to business studies to bring all the students on to a common platform. The preparatory classes will commence on June 03, 2013 at all IBS campuses. In case of any genuine difficulty (like final year examinations) in attending the preparatory classes, you should immediately send a written request to the campus head (of your allotted campus) requesting for exemption.

Registration & Regular Classes

Regular classes will commence on June 17, 2013 at all IBS campuses. All the selected candidates are mandatorily required to report at the allotted campus on the registration date and submit the first installment of fee along with selfattested photocopies of Class X, Class XII, graduation and post graduation (if applicable) certificates and marks sheets and show original certificates and marks sheets for verification. The candidates who are in their final year of graduation and whose results have not yet been declared have to submit the marks sheets of the previous years of study.

Address for Correspondence

Candidates are required to address all their correspondence to: Admissions Officer, IBS Admissions Office, Ground Floor, # 65,Nagarjuna Hills, Punjagutta, Hyderabad - 500 082, AP , India. Telephone Board: + 91-40-2344 0963; Toll Free No: 1800 425 2124 E-mail: ibsat@ibsindia.org Correspondence sent to any other address may not elicit any response

Fee Schedule
MBA / PGPM Program
Due Date April 19, 2013 June 17, 2013 October 28, 2013 March 10, 2014 June 16, 2014 October 27, 2014 Total Installment Admission Fee I II III IV V IBS Hyderabad 80,000 2,24,000 2,24,000 2,24,000 2,24,000 2,24,000 12,00,000 IBS Ahmedabad, IBS Bangalore, IBS Gurgaon, IBS Kolkata, IBS Mumbai, IBS Pune 80,000 1,24,000 1,24,000 1,24,000 1,24,000 1,24,000 7,00,000 (Amount in Rupees) IBS Dehradun, IBS Jaipur 80000 84000 84000 84000 84000 84000 5,00,000

Selection Process 2013

Laptops:

The candidates are expected to get their own laptops when reporting at the campus.

Financing your education @ IBS

The time, effort and money you spend in earning a postgraduate qualification in management can be one of the most important investments you will ever make. The returns from this investment can be measured in terms of enhanced career opportunities, self-confidence and success in life. Clearly, it is an investment with the potential for high returns for a long time to come. Obtaining the required finance for post graduation in management education may be a source of anxiety unless it is carefully planned. This booklet describes the various options available for financing your education at IBS campuses. Most of the students pursuing programs at IBS have financed their education through educational loans from various public sector and private sector banks and financial institutions which are listed below:

The MBA program at IBS Hyderabad is a fully residential program. The students have to pay hostel accommodation fee of ` 60,000 per annum. The mess expenses will approximately be ` 4,500 per month. Hostel facility is not available at other IBS campuses. However campus administration will assist the students in getting a suitable off campus accommodation near by the campus. The living expenses in these cities vary from ` 5,000 ` 10,000 per month.

Living Expenses:

The Ph.D Program in Management (Full time)

All the candidates who join the program are given 100% Tuition Fee waiver subject to certain regulations. However, they have to pay admission fee of ` 40,000 on or before April 19, 2013.

The Ph.D Program in Management (Part time)

All the candidates who join the program have to pay admission fee of ` 40,000 on or before April 19, 2013. The tuition fee of ` 60,000 per semester is to be paid for 8 semesters. The first installment of tuition fee is to be paid on June 17, 2013. The detailed fee schedule will be given in the selection letter. Living Expenses: This PhD program (Full time/ Part time) is a fully residential program. The students have to pay hostel accommodation fee of ` 60,000 per annum. The mess expenses will be extra.

Private Banks / Financial Institutions:

HDFC Bank CREDILA Financial Services IBS has entered into MOU (Memorandum of Understanding) with CREDILA Financial Services (An HDFC Ltd. Company) for providing educational loans to students in India and abroad.

Selection Process 2013

Public Sector Banks State Bank of India, Punjab National Bank, Andhra Bank, Oriental Bank of Commerce, Bank of Baroda, Canara Bank, Corporation Bank, Syndicate Bank, Central Bank of India, State Bank of Bikaner & Jaipur, State Bank of Hyderabad, Bank of Maharashtra, Bank of India, UCO Bank, Allahabad Bank.
Bridge Loan Facility

Under the bridge loan facility, IBS will accept four postdated cheques (PDCs). IBS Students may utilize the bridge loan facility until the sanction of bank loan. The details would be provided in the selection letter.

Stipendiary Assignment Program

The Stipendiary Assignment Program is a unique program designed for the benefit of students to obtain practical work experience while studying. Students who are interested in joining this program will be given required training prior to being inducted into the program. Students get an opportunity to work on a part time basis, promoting various knowledge products (flexible learning programs, full-time programs and publications). Stipendiary Assignment Program is a voluntary program and offers practical exposure, skill-development opportunities, and regular performance based stipend with attractive incentives. Over 2,000 students are currently in the Stipendiary Assignment Program.

IBS offers bridge loan to students admitted into the IBS programs till they receive the sanction and disbursement of an educational loan from a bank. Students are required to pay the admission fee by the specified date from their own resources. The bridge loan facility is available for the first installment of tuition fee and not for any subsequent installments due on future dates.

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Selection Process 2013

Selection Process 2013

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Steps in Financing Your Education Step 1: Do the calculations Start, by figuring out, how much your program will cost.
Consider the sources of funds available to you for financing your study. Determine how much your family can contribute. The difference between the estimated cost of your education and your familys expected contribution is the amount of financial aid you will need.

Step 2: Consider your options for obtaining financial aid:

Student loan from a bank. Other sources of financial aid such as the Stipendiary Assignment Program.

Step 3: Apply for financial aid. Identify the source of funding and submit application.

Example
The following table gives an indication of the estimated expenditure for a fee of 12 lakhs and sources of funds available for financing post graduation education.

Estimated Expenditure
Sources of Funds Details Amount (in `) Details Total Fee 12,00,000 Bank loan up to Other expenses for two years (Living 2,00,000 Family Contribution expenses, books & stationary) -Estimated up to Total Estimated Expenditure 14,00,000 Total Sources of Funds Amount (in `) 10,00,000 4,00,000 14,00,000

From this, it is evident that to supplement students resources to finance their study, there are more than adequate sources of funds available to cover the total estimated expenditure. The details of terms & conditions and interest rates offered by various Public and Private Sector Banks are provided in subsequent pages. If you have any questions related to bank loans, please feel free to contact: Financial Aid Facilitation Cell, IBS Admission Office, No: 65, Nagarjuna Hills, Punjagutta, Hyderabad 500082. Tel: +91-40-2344 0963; E-mail: finaidcell@ibsindia.org

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Selection Process 2013

HDFC Bank
Student Eligibility: Students admitted for 2 year Post Graduate Program in Management/MBA Program, at various campuses of IBS in India. Rate of Interest 13.5%* Margin Nil up to ` 4 lac 5% for loans above `4 lacs Security No Security up to Rs.7.5 lac of loan. For more than Rs.7.5 lakhs, Security must be in the form of Residential Property / Fixed Deposit with HDFC Bank/ NSC/KVP . Processing Charges - NIL Co-borrower Parent / Guardian / Spouse/ Brother / Sister / Family relative. Documents Required Student: Admission offer letter with fees schedule / details, Marksheets of 10th, 12th, graduation up to latest qualification along with degree certificate upto latest qualification. Photo ID and signature verification proof: any one out of pass port, pan card, etc, residence proof: any one out of latest utility bill, pass port, ration card, etc. Co applicant: Income proof of parents, assets and liabilities statement of parent/guarantor, if any. Six months update bank statement. Photo ID and signature verification proof: any one out of pass port, pan card, etc, residence proof: any one out of latest utility bill, pass port, ration card, etc. * Conditions apply Credit at the sole discretion of HDFC Bank Ltd.

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CREDILA - An HDFC Ltd. Company

Eligibility Students admitted for 2 year Post Graduate Program in Management/MBA Program at various campuses of IBS in India. Loan Amount Minimum of ` 1 Lakh - Maximum of ` 10 Lakhs Margin NIL Security Non Agricultural Land, House, Bungalow, Flat, LIC, Fixed Deposit, NSC and KVP are accepted as Security. Security located other than student or co-borrower location can be accepted. Security amount starting from 10% of Loan amount is required. Interest 12.50% to 14.25% Repayment Period For Full Time Courses - Simple interest repayment during tenure of course and then Interest + Principal for 36, 48, 60, 72, 84, 96 months as given by Credila For Part Time Courses - Immediately Interest + Principal repayment for 48,60 and 72 months Co-Borrower Father, Mother, Brother, Sister, Spouse, Cousin, Paternal Uncle, Paternal Aunt, Maternal Uncle, Maternal Aunt, Grandfather, Grandmother and any other relative can be a Co-borrower. Co-borrower can be from any part of India. More than one co-borrower accepted

Dear students, Please accept my heartiest congratulations on your interest to pursue Post Graduate Program in Management at IBS, one of the most vibrant management institutions of India! At Credila, we understand that this is the most critical part of your life and even as an initiated individual of generation next, getting in to a good institute is the most important stepping stone for your future. Moreover, the fact that each student comes from a diverse background and has specific requirements of education, skills and competencies to make a mark in the corporate world, quality of education and choice of institute becomes vital for success. Also the financial requirements vary from student to student based on their aspirations, objectives and backgrounds. Hence, we intend to work very closely with students and their families to get the ideally suited educational loan product e.g. required loan amount, flexible repayment terms etc. Money paid for education is the best investment anyone can ever make. Availability of the education loan, at the appropriate time, can make your dreams come true. Credila intends to help deserving bright young Indians like you to achieve their dreams! Please visit our website www.credila.com to know more and apply online. For more information please call us at toll free no. 1-800-209-3636. You can also write to us on loan@credila.com. Alternatively, SMS CREDILA to 53636. Sincerely, Prashant A. Bhonsle Country Head, Credila Financial Services Education loan at your doorsteps!

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Selection Process 2013

State Bank of India

Student Eligibility Should be an Indian National. Should have secured admission into management courses in a foreign/Indian university through entrance test/ selection process. Loan Amount Need based finance, subject to the repaying capacity of the parents/students with margin and amount of the loan as specified by the bank. Studies in India: Maximum ` 10 lakhs Studies Abroad: Maximum ` 20 lakhs Rate of Interest Up to ` 4 lakhs: 13.25% ` 4 lakhs to ` 7.5 lakhs: 13.00% Above ` 7.5 lakhs: 11.75% Margin Up to ` 4 lakhs: Nil Above ` 4 lakhs: 5% for study in India (95% funding Abroad: 15% Security Up to` 4 Lakhs: Nil ` 4 lakhs - ` 7. 5 lakhs: Third Party Guarantee Above ` 7.5 lakhs - Tangible collateral security for full value of the loan. Repayment Repayment Moratorium: Course period plus 12 months or 6 months after getting a job whichever is earlier as prescribed by the bank. The loan is to be repaid in 5 - 7 years after commencement of repayment. Documents Required Marksheet of last qualifying examination, copies of letter conferring scholarship, proof of admission, schedule of expenses, bank account statement for the last six months, address proof, income proof, signature identification from bankers of borrowers/ guarantors, 2 passport size photographs, statement of assets and liabilities. Concession 0.50% for Girl students

Punjab National Bank

Student Eligibility Should be an Indian National. Should have secured admission into management courses in a foreign/Indian university through entrance test/ selection process. Loan Amount Need based finance, subject to the repaying capacity of the parents/students with margin and the following ceilings: Studies in India: Maximum ` 10 lakhs Studies Abroad: Maximum ` 20 lakhs Rate of Interest Upto ` 4 lakhs: 13.50% Above ` 4 lakhs: 14.50% Above ` 7.50 lakhs: 14.00%. For Girl students 0.50% concession Margin Upto ` 4 lakhs: Nil Above ` 4 lakhs: 5% (Studies in India) Security Upto ` 4 lakhs: Nil ` 4 lakhs- ` 7.5 lakhs : Third party Guarantee acceptable to bank Above ` 7. 5 lakhs : Collateral security of suitable value or suitable third party guarantee. Repayment Repayment Holiday/Moratorium: Course period + 1 year or 6 months after getting a job whichever is earlier. The principal and interest is to be repaid in 5 - 7 years after commencement of repayment. Documents Required Copies of certificates with regard to educational qualifications, admission letter, quotation from college authority stating coverage of expenses, income proof of parent, * Subject to change periodically.

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Andhra Bank
Student Eligibility Student Eligibility Should be an Indian National. Should have secured admission into management courses in a foreign/Indian University through entrance test/Selection process. Loan Amount Need based finance subject to repaying capacity of the parent/students. Studies in India : Maximum ` 10 lakhs Studies Abroad : Maximum ` 20 lakhs Rate of Interest For Male Students: 13.25% For Female Students: 12.75% Margin Upto ` 4 lakhs: Nil Above ` 4 laksh: 5% (Studies in India) Security Upto ` 4 lakhs: Nil ` 4 lakhs-` 7.5 lakhs : Co-obligation of parent/guardian/ Third party Guarantee acceptable to bank. Above ` 7.5 lakhs: Tangible security of suitable value besides co-obligation of parent. Parent co-obligation and assignment of future income. Repayment Repayment Moratorium: Course period + 1 year, or six months after getting a job, whichever is earlier. The loan is to be repaid in 5-7 years after commencement of repayment. Documents Required Mark sheet of last qualifying examination, copies of letter conferring scholarship, proof of admission, schedule of expenses, bank account statement for the last six months, address proof, income proof, etc.

Oriental Bank of Commerce

Student Eligibility Indian Nationals not above 45 years of age, who have secured admission in a recognized course of an approved university. Loan Amount Education in India: Max. ` 10 lakhs Education Abroad: Max. ` 20 lakhs Rate of Interest Upto ` 4 lakhs: 12.90% p.a. ` 4 lakhs to ` 7.5 lakhs: 13.40% Above ` 7.5 lakhs: 12.90% p.a. (0.5% concession for women beneficiaries) Margin Upto ` 4 lakhs: Nil Above ` 4 lakhs : 5% (Education in India) Security Upto ` 4 lakhs: No collateral security required. Co obligation of parents/ guardian is must. No collateral security required. ` 4 lakhs - ` 7. 5 lakhs: Co-obligation of parents/ guardians is must. One satisfactory third party guarantee. Above ` 7.5 lakhs: Co-obligation of parents/ guardian is obligatory. Mortgage of immovable property or any other tangible security like pledge of NSC/LIC/Bonds etc., having value (surrender value) at least equal to 100% of loan. Extension of charge on property already mortgaged subject to adequate residual value of security. Repayment Within 84 EMIs commencing 12 months after course or 6 months after getting the job, whichever is earlier. Documents Required Copies of certificates with regard to educational qualifications, admission letter, quotation from college authority stating coverage of expenses, income proof of parent, assets and liabilities statement of parent/guarantor, if any.

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Selection Process 2013

Bank of Baroda
Student Eligibility Should be a resident of India. Secured admission through Entrance Test/ Merit based selection process. Loan Amount Need based subject to repayment capacity of parent/ student, based or the expected income to be generated after completion of the course. Studies in India : Maximum ` 10 lakhs Studies Abroad : Maximum ` 20 lakhs Rate of Interest Upto ` 4 lakhs: 13.00% p.a. at present. ` 4 lakhs to ` 7.5 lakhs: 14.50% Above ` 7.5 lakhs: 14.00% p.a. 1% concession for girl students. Simple interest at monthly rests during the repayment holiday period. 1% concession is provided if interest debited during repayment holiday is serviced. Margin Upto ` 4 lakhs - Nil Above ` 4 lakhs: 5%. Scholarship/assistantship if any received to be included in the margin. Margin may be brought in on year to year basis as and when disbursement are made on a prorate basis. Security Upto ` 4 lakhs - Nil ` 4 lakhs -` 7.5 lakhs - Collateral in the form of a suitable third party/ guarantee along with assignment of future income. Above ` 7.5 lakhs - Tangible Security equal to 100% loan amount. Repayment Repayment holiday - course period + 1 year. The loan is repayable in 5 - 7 years after the above period. Co-obligation The loan document should be executed by both the student (in case student is major) and the parent/guardian as joint borrower. Documents Required Copies of certificates with regard to educational qualifications, admission letter, quotation from college authority stating coverage of expenses, income proof of parent, assets and liabilities statement of parent/guarantor, if any.

Canara Bank
Student Eligibility Should be an Indian National. Should have secured admission in management courses in a foreign/Indian university through entrance test/ selection process. Loan Amount Studies in India : Maximum ` 10 lakhs Studies Abroad : Maximum ` 20 lakhs Rate of Interest Upto ` 4 lakhs: 13.75% ` 4 lakhs to ` 7.5 lakhs: 14.75% Above ` 7.5 lakhs: 13.50%. For Girl Students 1% concession. Margin Upto ` 4 lakhs: No Margin Above ` 4 lakhs: 5.00%. Security Upto ` 4 lakhs: No security loan in the joint names of student & parent assignment of future income of the student. Above ` 4 lakhs -` 7. 5 lakhs: For meritorious student : Satisfactory third party Guarantee Assignment of future income of the student. Above ` 7.5 lakhs - ` 10 lakhs: Collateral Security to the extent of 100%. Repayment In 5 to 6 years in EMIs. Repayment starts one year after completion of course or six months after getting employment whichever is earlier. Simple interest calculated during the repayment holiday will be added to principal and EMI is calculated. Documents Required Copies of certificates with regard to educational qualifications, admission letter, quotation from college authority stating coverage of expenses, income proof of parent,

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Corporation Bank
Student Eligibility Applicant should be an Indian National and should have secured admission in professional/technical courses through entrance test/merit - based selection process in India or abroad. Loan Amount Need based finance, subject to the repaying capacity of the parents/students with following ceilings: Studies in India: Max ` 10 lakhs Studies Abroad: Max ` 20 lakhs. Rate of Interest Upto ` 4 lakhs : 12.10%. ` 4 to 7.5 lakhs: 13.10% p.a. Above ` 7.5 lakhs: 12.60% Margin Upto ` 4 lakhs: Nil Above ` 4 lakhs: Studies in India: 5% Security Upto ` 4 lakhs: Nil ` 4 lakhs- ` 7. 5 lakhs: Collateral in the form of satisfactory third party guarantee. Above ` 7. 5 lakhs: Tangible Collateral security of suitable value or third party guarantee along with the assignment of future income of the student for payment of installments. Repayment Repayment Moratorium: Course period plus + one year or 6 months after getting a job, whichever is earlier. The loan is to be repaid in 5 - 7 years after commencement of repayment. 1% interest concession to be extended if the interest is serviced promptly as and when debited during study period. Documents Required Copies of certificates with regard to educational qualifications, admission letter, quotation from college authority stating coverage of expenses, income proof of parent, assets and liabilities statement of parent/ guarantor, if any.

Syndicate Bank
Student Eligibility Should be an Indian National. Should have secured admission in management courses of IBS. Loan Amount Need based finance, subject to the repaying capacity of the parents/students with margin and amount of the loan as specified by the bank. Studies in India : Maximum ` 10 lakhs Studies Abroad: Maximum ` 20 lakhs Rate of Interest Upto ` 4 lakhs: 11.25% Above ` 4 lakhs: 11.75%. For Girl students 0.50% concession Margin Upto ` 4 lakhs: Nil ` 4 lakhs - ` 7.5 lakhs: 5% Above ` 7.5 lakhs:15% Security Upto ` 4 lakhs: Nil ` 4 lakhs -` 7. 5 lakhs: Third Party Guarantee acceptable to Bank having adequate net worth. Above ` 7.5 lakhs: Collateral security equal to 125% of loan amount. Repayment Repayment Moratorium: Course period +1 year, or six months after getting a job whichever is earlier as prescribed by the bank. The loan is to be repaid in 5 - 7 years after commencement of repayment. Documents Required Marksheet of last qualifying examination, copies of letter conferring scholarship, proof of admission, schedule of expenses, bank account statement for the last six months, address proof, income proof, etc.

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Selection Process 2013

Central Bank of India

Student Eligibility Should be an Indian National. Should have secured admission into management courses in a foreign/Indian university through entrance test/ selection process. Loan Amount Need based finance, subject to the repaying capacity of the parents/students with margin and amount of the loan as specified by the bank. Studies in India: Maximum ` 10 lakhs Studies Abroad: Maximum ` 20 lakhs Rate of Interest For Male Students: 12.50% For Female Students: 12.00% Margin Upto ` 4 lakhs : Nil Above ` 4 lakhs : 5% for study in India Security Upto ` 4 lakhs : Nil ` 4 lakhs -` 7. 5 lakhs: Third Party Guarantee Above ` 7.5 lakhs : Collateral Security in the form of suitable value or suitable third party guarantee along with the assignment of future income of the students for payment of installments. Repayment Repayment Moratorium: Course period plus 12 months or 6 months after getting a job whichever is earlier as prescribed by the bank. The loan is to be repaid in 5 - 7 years after commencement of repayment. Documents Required Marksheet of last qualifying examination, copies of letter conferring scholarship, proof of admission, schedule of expenses, bank account statement for the last six months, address proof, income proof, etc.

State Bank of Bikaner and Jaipur

Student Eligibility Should be an Indian National. Secured admission to professional course through selection process or on merit. Loan Amount Maximum Loan: Studies in India: ` 10 lakhs Studies Abroad: ` 20 lakhs. Rate of Interest Upto ` 4 lakhs: 13.25%. Above ` 4 lakhs: 13.00% p.a. For girl students 0.5% concession. Margin Upto ` 4 lakhs: Nil Above ` 4 lakhs in India : 5% Abroad : 15% Security Upto ` 4 lakhs: Nil Above ` 4 lakhs - ` 7.5 lakhs: Third party guarantee Above ` 7.5 lakhs : Tangible Collateral Security Repayment Repayment holiday/ Course Period + 1year or 6 months after getting job, whichever is earlier. The loan is to be repaid 5 - 7 years after repayment holiday. Documents Required Copies of certificates with regard to educational qualifications, admission letter, quotation from college authority stating coverage of expenses, income proof of parent, assets and liabilities statement of parent/guarantor, if any.

Selection Process 2013

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State Bank of Hyderabad

Student Eligibility Should be an Indian National. Should have secured admission in Professional/technical course through Entrance test/ Selection process. Secured admission in foreign University/Institution. Loan Amount Need based finance subject to repaying capacity of parents / students with following ceilings: Studies in India: Maximum ` 10 lakhs Studies Abroad: Maximum ` 20 lakhs Rate of Interest Upto ` 4 lakhs: 12.75% Above ` 4 lakhs: 13.25% Margin Upto ` 4 lakhs : Nil Above ` 4 lakhs : Studies in India : 5% Studies Abroad : 15% Security Upto ` 4 lakhs: No Security (Co-obligation of parent/ guardian is compulsory) ` 4 lakhs - ` 7. 5 lakhs: Collateral in the form of satisfactory third party Guarantee Above ` 7.5 lakhs: Collateral Security of suitable value or Co-obligation of parents/ guardian/third party guarantee along with the assignment of future income of student for payment of installments. Repayment Course period plus 12 months or 6 months after getting a job whichever is earlier as prescribed by the bank. The loan is to be repaid in 5 - 7 years after commencement of repayment. Documents Required Marksheet of last qualifying examination, copies of letter conferring scholarship, proof of admission, schedule of expenses, bank account statement for the last six months, address proof, income proof, etc

Bank of India
Student Eligibility Student should be Indian National having secured admission at College/Universities/ Institutes in India/ Abroad for pursuing Professional/Technical Courses through an Entrance Test/ Merit based selection Process, having good academic record. Courses Eligible Graduation, Post Graduation, Professional Courses, MBA,ICWA,CA,CSA,IIT,MBBS, B.Tech, Merchant Navy etc. Loan Amount Max. ` 10 lakhs for studies in India. Max. ` 20 lakhs for studies Abroad. Rate of Interest Upto ` 7.5 lakhs: 13.50%. Above ` 7.5 lakhs: 13.00% (Concession of 05 -1% for women beneficiaries) Margin Upto ` 4 lakhs: Nil Above ` 4 lakhs: In India - 5%; Abroad - 15% Security Upto ` 4 lakhs : Nil. ` 4 lakhs - ` 7.5 lakhs : Collateral Security in the form of suitable third party guarantee. Above ` 7.5 lakhs : Collateral Security in the form of suitable value and suitable third party guarantee along with the assignment of future income of the students for payment of installments. Repayment Course Period + 1 year or 6 months after getting Job whichever is earlier. Max. 84 months excluding moratorium. Documents Required Copies of certificates with regard to educational qualifications, admission letter, quotation from college authority stating coverage of expenses, income proof of parent, assets and liabilities statement of parent/guarantor, if any.

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Selection Process 2013

Bank of Maharashtra
Student Eligibility The applicant should be an Indian National. He should have secured admission into professional / technical courses through entrance test/ Merit based selection process. He should have secured admission in foreign University/Institutions. Loan Amount Need based finance subject to repaying capacity of parents / students with following ceilings: Studies in India: Maximum ` 10 lakhs Studies Abroad: Maximum ` 20 lakhs Rate of Interest Upto ` 4 lakhs: 12.25% Above ` 4 lakhs: 13.25% Margin Upto ` 4 lakhs : Nil Above ` 4 lakhs: Studies in India - 5% Studies Abroad 15% Security Upto ` 4 lakhs: Nil ` 4 lakhs - ` 7.5 lakhs : Collateral in the form of a satisfactory third party guarantee. Above ` 7.5 lakhs: value of collateral security equal to amount of loan. Additional 2 guarantors acceptable to Bank Repayment The applicant will get a repayment holiday of one year after completion of the course or 6 months after getting a job whichever is earlier. The loan is then to be repaid in 5 years after commencement of repayment. Documents Required Copies of certificates with regard to educational qualifications, admission letter, quotation from college authority stating coverage of expenses, income proof of parent, assets and liabilities statement of parent/guarantor, if any.

UCO Bank
Student Eligibility Student should be Indian National having secured admission to professional /technical course through Entrance Test / Selection Process. Secured admission in foreign University / Institution. No maximum or minimum income is prescribed for parents / family. Loan Amount Need based finance subject to repaying capacity of parents / students with following ceilings: Studies in India: Maximum ` 10 lakhs Studies Abroad: Maximum ` 20 lakhs Rate of Interest Upto ` 4 lakhs: 13.50% Above ` 4 lakhs: 14.25% Margin Upto ` 4 lakhs: Nil Above ` 4 lakhs: Studies in India - 5% Studies Abroad 15% Security Upto ` 4 lakhs - No security Above ` 4 lakhs - Collateral securities by way of suitable third party guarantee or tangible security equivalent to loan amount. Repayment The loan will be repaid in 5 - 7 years after commencement of repayment. There will be moratorium for repayment during the course period + 1 year or 6 months after getting job, whichever is earlier. 1% interest concession may be provided, if the interest is serviced during moratorium period. Documents Required Copies of certificates with regard to educational qualifications, admission letter, quotation from college authority stating coverage of expenses, income proof of parent, assets and liabilities statement of parent/guarantor, if any.

Selection Process 2013

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Allahabad Bank
Student Eligibility Applicant should be an Indian National and should have secured admission in professional/ technical courses through entrance test/merit - based selection process in India or abroad. Quantum of Finance Studies in India: Maximum ` 10 lakhs Studies Abroad: Maximum ` 20 lakhs Rate of Interest For Male Students: 13.50% For Female Students: 13.00% Margin Up to ` 4 lakhs : Nil Above ` 4 lakhs: Studies in India : 5% Studies Abroad : 15% Security Up to ` 4 lakhs: Nil ` 4 lakhs - ` 7.5 lakhs: Third Party Guarantee & Co-obligation required Above ` 7.5 lakhs: Tangible Collateral Security 100% Repayment The loan is to be repaid in 5 - 7 years after commencement of repayment. Moratorium Course Period + one year or 6 months after getting a job whichever is earlier as prescribed by the bank. Documents Required Admission letter, fee structure, Permanent residential proof, PAN, Co-obligants employment particulars, IT returns if available, Agriculture income and Assets & Liabilities, statements of Co-obligant/guardian.

Indian Bank
Student Eligibility Applicant should be an Indian National and should have secured admission in professional/technical courses through entrance test/merit - based selection process in India or abroad. Loan Amount Need based finance, subject to the repaying capacity of the parents/students with following ceilings: Studies in India: Max ` 10 lakhs Studies Abroad: Max ` 20 lakhs. Rate of Interest Upto ` 4 lakhs : 14.50%. Above ` 4 lakhs: 14.00% Margin Upto ` 4 lakhs: Nil Above ` 4 lakhs: Studies in India: 5% Security Upto ` 4 lakhs: Nil ` 4 lakhs- ` 7. 5 lakhs: Collateral in the form of satisfactory third party guarantee. Above ` 7.5 lakhs: Tangible Collateral security of suitable value or third party guarantee along with the assignment of future income of the student for payment of installments. Repayment Repayment Moratorium: Course period plus + one year or 6 months after getting a job, whichever is earlier. The loan is to be repaid in 5 - 7 years after commencement of repayment. 1% interest concession to be extended if the interest is serviced promptly as and when debited during study period. Documents Required Copies of certificates with regard to educational qualifications, admission letter, quotation from college authority stating coverage of expenses, income proof of parent, assets and liabilities statement of parent/guarantor, if any.

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Selection Process 2013

Route Map to IBS Campuses

Selection Process 2013

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Selection Process 2013

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IBS Campuses

IBS-Ahmedabad Near GNFC Info Tower, Near Grand Bhagwati Hotel, Sarkhej Gandhinagar Highway, Bodakev, Ahmedabad - 380054. Phone: 079- 26850148 IBS-Bangalore No:231, Baba Sabarapalya, Near Check Post, Next HP Petrol Bunk, Mysore Road, Kengeri, Bangalore - 560060. Phone: 080-65703943 IBS-Dehradun Rajawala Road, Central Hope Town, Selaqui, Dehradun - 248197 Phone: 0135-30033082 IBS-Gurgaon IDPL Complex ,Old Delhi-Gurgaon Road, Dundahera, Gurgaon - 122016. Phone: 0124-4980950 IBS-Hyderabad Donthanapally, Shankarpalli Road, Hyderabad - 501203 (AP) Phone: 08417-236661/62/63, IBS-Jaipur Agra Road, Jamdoli, Near Cambay Golf Resort, Jaipur-302 031, Phone: 9829024490 IBS-Kolkata WDC Building, J3, Block GP Sector-V, Salt Lake City, Kolkata - 700091. Phone: 033-23577125 IBS-Mumbai Hiranandani Knowledge Park, Opp. Hiranandani Hospital, Off.Technology Street, Hiranandani Gardens, Powai, Mumbai-400076 Phone: 022-40434343 IBS-Pune Plot No. 5, Equity Tower, Sanghvi Nagar, D P Road, Aundh, Pune - 411 007. Phone: 020-25889638/51, 25898121/23