SA_Scholarships & Loans

Yes, you can apply. You are certainly eligible. Lenders generally prioritize your confirmed university admission and your co-applicant's financial strength over a 7.5 CGPA, which is considered a decent score for most banks. Start applying now.

Repayment does not start immediately. It typically begins after a "moratorium period," which covers your course duration plus one year (or sometimes 6 months after securing a job). This flexible repayment term allows you to find employment before you start paying back the monthly EMIs.

Yes, you can apply online through official website of specific bank. Else you can use government's Vidya Lakshmi Portal to apply to multiple banks. Alternatively, you can visit the nearest bank branch to submit the physical education loan application form along with your documents.

The co applicant, usually a parent, must provide a Photo ID along with and address Proof. Aadhar card and voter id card are well known. They must submit financial proofs, including their PAN card, the latest salary slips (3-6 months), Income Tax Returns (ITR) for the last 2-3 years, and recent bank statements.

You just need to enter the exact details from official website of your college. Write exact course details. Do not put generic names. All information has to be correct at time of application. Incorrect details can cause a delay in study loan application.

No, the Chevening Scholarship is awarded only for taught master's programs in the UK. The research-based master's programs (such as MRes), PhD and DPhil are ineligible for this scholarship.

There is no official requirement to resign from your job. You have to be available for receiving scholarship award. Talk to your employer in advance.

No, requirement of English language to apply for the Chevening Scholarship was removed in 2020. However, as other points of the eligibility criteria for the Chevening Scholarship, students will be required to have received at least 1 offer from their three choices, which may require them to have proof of English proficiency. 

Chevening scholarship's shortlisting process from the date of the application deadline to the date of conditional selection of the recipients may take somewhere around 8 months applications to come up to the final list. 

FCDO expects Chevening scholars to prioritise their studies. However it also recognises the value of gaining work experience in the UK to enhance your career and overall experience. For this reason, ensure that any work you do complies with your visa conditions and does not interfere with your academic studies and performance.

If you are unsure about your visa permissions for work, contact the welfare and immigration team of the Chevening Scholarship with a copy of your visa and passport for clarification.