Inshyoreins Kavar Se Mahanga Huaa Education Loan

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Inshyoreins Kavar Se Mahanga Huaa Education Loan

shilpi sinha Mumbai. . Education sector se jude baid loan se pareshaan bank ab risk kavar karne ke liye inshyoreins khareed rahe hain. Isse students ke liye loan ki kaust badh jaaegi. Inshyoreins kavar ke tahat bank ko karjadaar ki mrutyu hone par loan ki poori rakam inshyoreins company se mil jaaegi. Education loan ke saath inshyoreins ki kaust loan saaij ka 2-3 feesadi hai. Bank loan dete samay kastamars ko iski peshakash karte hain. Haalaanki, hom loan ki tarah education loan ke liye inshyoreins paulisi lena anivaarya naheen hai. Bhaarateeya reserve bank (RBI) ke mutaabik, education loan ka market 5,510 karod rupae ka hai. 2011-12 mein ismein baid loan reshiyo 4.5 feesadi tha. Banking enaalists ka kehna hai ki yah aur 1 parseint badh sakta hai. Canara-HSBC-OBC life inshyoreins, tarm plaan education loan launch karne ki taiyaari mein hai. Company ke ek egjekyootiv ne bataaya, 'Hamein education loan segameint mein kaafi mauke dikh rahe hain. Paireints par kisi tarah ki museebat aane par student ko pareshaani jhelni padti hai. Inshyoreins paulisi se yah mushkil door ho sakti hai. 'Indian overseas bank ke seeemadi M Narendra ne bataaya, 'Ham parsanal inshyoreins ke tahat education praudakt ofar kar rahe hain. Isse bank ko security milti hai. Haalaanki, ham is par bahut jor naheen day rahe. ' jaub market ki haalat kharaab chal rahi hai. Pichhle kuchh saal mein kainpas plesameint bhi achhe naheen rahe. Aise mein bank is dauraan apne portfolio mein education loan ki hissedaari kam kar rahe hain. 2012-13 mein kul kredit jahaan 14 feesadi badha hai, vaheen education loan mein 10 feesadi ka ijaafa huaa hai. Ek broking farm ke enaalist ne bataaya, 'NPA badhne se education loan ka kamarshal lihaaj se mahatva kam huaa hai. Bina kisi guaranty ke education loan dena mushkil hoga, lekin inshyoreins se kaust badh jaaegi. ' IDBI Federal life inshyoreins, IDBI aur Federal bank se education loan lene vaalon ko tarm inshyoreins deti hai. IDBI Federal life inshyoreins ke emadi aind CEO ji. Vi. Naageshvar Rao ke mutaabik, 'Education loan ke saath inshyoreins ki pahunch abhi kaafi kam hai. Yah keval 25-30 feesadi hai, jabki hom loan ke saath inshyoreins 70-75 feesadi hai. Praudakt ki safalta karjadaar ke inshyoreins ka premium chukaane ki kshamata par nirbhar karegi. '

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