I am giving information related to Education Loan of Punjab and Sind Bank your reference:

ELIGIBILITY:

Studies in India: (Indicative list)
Approved courses leading to graduate/ post graduate degree and P G diplomas conducted by recognized colleges/ universities recognized by UGC/ Govt./ AICTE/ AIBMS/ ICMR etc.
Courses like ICWA, CA, CFA etc.
Courses conducted by IIMs, IITs, IISc, XLRI. NIFT,NID etc.
Regular Degree/Diploma courses like Aeronautical, pilot training, shipping, nursing or any other discipline, approved by Director General of Civil Aviation/Shipping/Indian Nursing Council or any other regulatory body as the case may be, if the course is pursued in India.
Approved courses offered in India by reputed foreign universities.

Studies abroad:-
Graduation : For job oriented professional/ technical courses offered by reputed universities
Post graduation: MCA, MBA, MS, etc.
Courses conducted by CIMA- London, CPA in USA etc.
Degree/diploma courses like aeronautical, pilot training, shipping etc provided these are recognized by competent regulatory bodies in India/abroad for the purpose of employment in India/abroad.

QUANTUM OF FINANCE
Studies in India : Maximum upto Rs. 10 lakhs.
Studies Abroad : Maximum upto Rs. 20 lakhs.

MARGIN:

Upto Rs. 4 lakhs : Nil
Above Rs. 4 lakhs : Studies in India 5%
Studies in Abroad 15%

SECURITY:
Upto Rs. 4 lakhs: NO Security( Parents to be joint borrowers)
Above Rs. 4 lakhs and upto Rs. 7.5 lakhs

MORATORIUM PERIOD:
Course Period + 1 Year

REPAYMENT PERIOD:
Maximum period of 15 years for all categories.

INTEREST RATE:
Loan up to Rs.4 Lac
One Year MCLR +2.00%

Loan Above Rs.4 Lac & up to Rs.7.50 Lac
One Year MCLR +2.00%

Above Rs.7.50 Lac
One Year MCLR +1.50%

TENOR RATE OF INTEREST (%)
Overnight MCLR 8.6
One Month MCLR (More than overnight upto 1 month) 8.6
Three Month MCLR (More than 1 Month and upto 3 Months) 8.65
Six Month MCLR (More than 3 Months and upto 6 Months) 8.7
One Year MCLR (More than 6 Months and upto 1 Year) 8.75
Three Year MCLR (More than 1 Year and upto 3 Years) 8.95
Five Year MCLR (More than 3 Years) 9.10

PROCESSING CHARGES:
No processing / upfront charges