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of a model education loan scheme introduced by the Indian central bank in 2001 that has drastically increased the availability of education loans in India. First Status of higher education and education loan in india with special reference to indiabudget.nic.in/es2014-15/estat1.pdf. Ghuman, R. S., Singh, S., of education loan in the Indian context. Education Loans and Financing Higher Education in India. The new education loan scheme in single form that students can use to apply for higher education loans from multiple banks/schemes. The same form is also being prescribed by Indian Banks'. The National Loan Scholarship Scheme provides interest-free loans to needy and able students to help them finance for full time higher education in. India, starting The loan will be sanctioned for extending financial assistance to derving/ meritorious students for pursuing higher education in India and abroad. 2. Courses Model Education Loan. Scheme developed by IBA is assisting the Indian students to carry out their higher study dreams both in India and abroad. Public sector Based on the recommendations of the Study Group, a comprehensive model educational loan scheme was prepared by the Indian Banks' Association for Based on the recommendations of the Study Group, a comprehensive model educational loan scheme was prepared by the Indian Banks' Association for educational loan has been seen as an alternative way of financing for education. In this background the present paper tries to analyse the trends and patterns of educational loan in India. URL: education.nic.in/AR/AR0607-en.pdf.