Indian Bank IB Skill Loan Scheme (विशेष बैंक योजना)
Specialized financing solution by Indian Bank offering transparent terms and flexible repayment.
📋पात्रता मानदंड एवं मार्जिन मनी (Eligibility & Margin Rules)
पात्रता की शर्तें
Indian national who has secured admission to a course run by ITI, Polytechnic, or training partners affiliated with National Skill Development Corporation (NSDC) / Sector Skill Councils.
मार्जिन मनी आवश्यकता
Nil margin.
जमानत / कोलेटरल आवश्यकता (Collateral Requirement)
Nil collateral under Credit Guarantee Fund for Skill Development.
विशेष सरकारी ब्याज सब्सिडी (CSIS / सरकारी लाभ)
Backed by Credit Guarantee Fund for Skill Development (CGFSD) or premier institute fast-track terms.
📂खर्चे एवं आवश्यक दस्तावेज (Expenses Covered & Documents)
कवर किए जाने वाले शैक्षणिक खर्चे
Tuition / course fees, examination fees, equipment / tool kits, books, and exam certification fees.
आवेदन हेतु आवश्यक दस्तावेज
Admission letter from training partner/ITI, fee receipt, 10th marksheet, Aadhaar of student and parent, bank account passbook.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Caveats)
Parent co-borrower mandatory; course must be aligned with National Skill Qualification Framework (NSQF); unaccredited private training institutes are ineligible.
🚀आवेदन प्रक्रिया (Official Application Process)
1. Apply via JanSamarth portal or nearest Indian Bank branch. 2. Submit admission proof from NSDC/ITI institute. 3. Digital verification and direct fee remittance to training center.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What is the maximum loan under Indian Bank IB Skill Loan Scheme?
Up to ₹1.5 Lakh (NSQF Level 3 & Above Courses). As per government guidelines, loans are structured to match training and equipment costs.
What is the moratorium period for skill loans?
For courses up to 1 year, moratorium is course duration + 6 months. For courses over 1 year, moratorium is course duration + 12 months.
Is collateral needed for skill loans?
No collateral or third-party guarantee is required for skill loans up to ₹1.5 Lakh as they are covered by CGFSD.