ISB MBA

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The resource for Indian School of Business

 
PROFILE PROGRAM PEOPLE VIEWS
DATES APPLICATION COURSE CAREER ALLIANCES FINANCE

Indian Passport Holders

Non-Indian Passport Holders

Pre-requisites

Selection Criteria

Application Form

Essay Questions

Recommendation

Essay Tips

Pre Term

Core Courses

Electives

Major Employers

Placement Trends

Incoming Vs Outgoing

Associate Schools

Exchange Programme

Fees

Scholarships

Loans

Program 2010-2011

Program 2008-2009

Program 2009-2010

DATES

 Indian Passport Holders  

Cycle I Cycle II

Application Deadline

August 30, 2010 November 30, 2010

Offer Decision

On or before November 15, 2010 On or before February 15, 2011
Acceptance Decision 15 days from date of offer 15 days from date of offer

 Non-Indian Passport Holders  

Rolling application period: May 18, 2010 to January 15, 2011

Interview: If shortlisted, within 3 weeks one month of submission of application

Offer Decision: 3 weeks from interview date

 

APPLICATION

 Pre-requisites

1. Bachelor's degree

2. Preferably 2 years of full-time work experience

3. Valid GMAT Score [Institution Code: N2DJ501]

4. TOEFL [Institution Code: 9047] or IELTS [Address: PGP Admissions Office, Indian School of Business, Gachibowli, Hyderabad-500 032, India. Ph +914023187474. Fax +914023007099] score only if language of instruction during undergraduate education was not English

 Selection Criteria

1. Academic Background and Analytical Abilities: Though there is no cut-off score, the rigorous programme requires candidates to have a convincing academic record.

2. Work Experience: The rich and stimulating learning experience would be well supplemented by the diverse professional experience of students.

3. Communication Skills: Strong verbal and written communication and presentation skills would be looked for in the essays and interview.

4. Leadership Potential: Previous leadership experience in work or academic life or at public level would be primarily assessed through recommendations.

5. Diversity: Diversity is sought in nationality, educational background, work experience, personal experience, goals etc.

 

 Application Form

ISB Application Form

Application Fee: Rs. 3000 (USD 75)

 Essay Questions

The ISB application includes 2 required essays and an optional essay. Re-applicants need to submit an additional essay listing changes in their profile from the previous year/s.

1.1. If we were to admit one more student to the class of 2012, make a compelling argument as to why that student should be you? (300 words max)

2. What are your short term and long term goals? How will the ISB help you achieve the same? (300 words max)

3. (Optional) Please provide additional information, that will significantly affect the consideration of your application to the ISB.

REAPPLICANT ESSAY

How has your profile changed from the time you last applied to the ISB? (300 words max)

SCHOLARSHIP  ESSAY

Scholarship information and essay. Students interested in obtaining need based scholarship must fill and submit this along with the scholarship essay.

Why do you think that the ISB Scholarship Committee should consider you for scholarship? (300 words max)

recommended ISB Indian School of Business Hyderabad essay review, essay editing and essay writing consultancy - vibranture

DATES APPLICATION COURSE CAREER ALLIANCES FINANCE

 Recommendation

A minimum of two recommendations are required as part of the application. Not more than three recommendations will be considered. You will need to submit hard copies of the evaluations/recommendations (in sealed envelopes) along with print-outs of your application form. Recommendations/evaluations should be professional and not from family members/friends.

Instruction for Evaluator: As a part of the process, please complete the information requested (hand written or type written) in the form. If you need to use additional sheets of paper, please staple them to this form and sign on each page.

1. Under what circumstances and for how long have you known the applicant? (50 words maximum)

2. Please rate the applicant's achievements when compared to those of his or her peers and mention the reference group with which you are making these comparisons. (100 words maximum)

3. Please describe, in brief, situations where the applicant displayed signs of leadership abilities and team skills. (200 words maximum)

4. Please mention two consistent strengths of the applicant and if possible provide instances where she/he demonstrated these strengths. (200 words maximum)

5. Please indicate two areas where the applicant has shown learning and improvement which would add value to his application to the ISB. (100 words maximum)

6. Please provide any other comments that you consider are relevant to the applicant's admission to the ISB, especially regarding the applicant's career in business/management. (200 words maximum)

 Essay Tips

ISB Essay 1: If we were to admit one more student to the class of 2012, make a compelling argument as to why that student should be you? (300 words max)

ISB Essay 1 Tips

The real question that is asked here is - why should Indian School of Business Hyderabad bother with you when there are a hundred other applicants with a comparable GMAT score or work experience or academics or whatever? The ISB is seeking your Unique Selling Proposition in this essay. Your primary aim in this essay will be to explain to the ISB Adcom the factors that make you different, unique and distinct.

This essay repeats itself in one form or another most years because it is a simple method for the ISB admissions committee to assess how desirable a candidate you are for the ISB. The essence of the prompt in this essay can be better understood through previous ISB application essay questions.

2009-2010: Give 3 reasons as to why you should be selected to the class of 2011. These reasons should ideally differentiate you from the applicant pool and should be backed with some data.

2008-09: Please give three reasons why ISB should admit you into the class of 2010. These reasons should ideally differentiate you from your competition.

2007-08: The ISB culture stresses on a diverse mix of students; life at the ISB is a unique experience for the students. How will your candidature contribute to this culture at the ISB?

An excellent preliminary preparation for this essay would be to look at these older essays and formulate rough answers for each.

Since differentiating yourself within the context of the ISB class profile will be critical to your candidature, ask yourself what genuinely sets you apart. What are your greatest strengths? What are your greatest achievements? What are the characteristics that you believe will differentiate you in a group of high-reaching professionals? What are the qualities that have aided most in your past personal/professional accomplishments? Choose from your achievements, your hobbies, your academics, your personality traits, your passions, your work experiences, your life experiences, your attitude. Sell whatever you feel can sell well - and credibly. Whether you want to go with a single theme or multiple reasons - be clear, concise (300 words cannot support long stories) and completely credible.

To write credibly about the differentiation you bring, the value you add to the Indian School of Business and where/why you fit in at the ISB you will require some knowledge of the ISB and the ISB student profile. Create a word picture of a person who can add definite value to the Indian School of Business Class of 2012.

Give short examples whenever possible. To build the information base for the essay you should not mind knocking at many doors. Your friends, colleagues and family are excellent sources for giving you obvious answers which you might have easily overlooked. But the person who knows you best will always be the one you see in the mirror.

As always, remember that this essay is part of a bigger package and write accordingly. Please ensure that the strengths/stories mentioned in this essay are complemented by the content in the other essays.

Go for it!

ISB Essay 2: What are your short term and long term goals? How will the ISB help you achieve the same? (300 words max)

ISB Essay 2 Tips

Since last year the ISB essay pack has included a straightforward career goals and "why ISB" essay. Be warned however that the simplicity of this essay prompt is deceptive. Apart from the challenge of precisely crystal ball gazing into your future and connecting ISB to that future, there are several unasked questions that we might need to answer. A look at last year's essay prompt will be a good starting point.

2009-1010: Briefly assess your career progression till date along with your assessment of your future career goals. Discuss how your career goals will be met by the ISB’s one year program.

As a first step reflect deeply (if you have not already) on your post-ISB short term and long term goals. Think about why you are taking all this trouble applying to the ISB in the first place. It is essential that you be totally realistic and as specific as possible while detailing your post-ISB goals. Be specific, both about the industry and the role you are seeking, and why. If your goals are more than ordinarily ambitious write credibly about those qualities/skills that qualify you to make those goals a reality. While credibility, logic and realism are critical the magic element that will transform your essay from a statement into a pledge would be - passion.

Identifying and expressing a logical, credible link between your career thus far (and the skills, experience, knowledge gained) and your goals is the first of the unasked questions. If possible blend in non-career aspects that are relevant to your story since your career is intricately connected to your personal life and personal goals. The main challenge here is length - so be concise.

"Why ISB" is a critical component of the question and should be dealt with application, research and intelligence. Look beyond cutting/pasting info gleaned from the ISB website and make a compelling argument that answers "Why is the ISB PGP the BEST business school program for you?" This unasked question will be critical not only for your online application but also later in your interview. Personalize your answer as much as possible and find as many matches between what ISB specifically (and if possible, uniquely) offers you and your future goals.

Having done all of the above your greatest challenge in this essay will perhaps be space - or lack of it. The Goals Essay, which various b-schools expect between 500-1500 words, will have to be completed in just 300 words. I repeat, be very stingy with words. Bear in mind that these 300 words will probably be most decisive in your ISB quest this year.

Goals, even more than other essay topics, are more a matter of credibility and logic than anything else. If you can add passion as well, you have the recipe for a beautiful and effective essay.

Go get 'em!

 

ISB Essay 3 [Optional]: Please provide additional information, that will significantly affect the consideration of your application to the ISB. (300 words)

ISB Essay 3 Tips

This essay might seem very similar to optional essay prompts from previous years. For example, 2009-2010: Please provide additional information, if any, that will significantly affect the consideration of your application to the ISB. Please do not repeat information which has already been stated elsewhere in the application. You may use this to clarify any breaks in education/work, inform about any other item which you think has not been covered elsewhere etc. However, with just two tiny essays in your kitty so far, this essays deserves a far better treatment.

Your first challenge would be to identify a suitable theme for this essay that complements and enhances the two earlier essays, without simply listing a few accomplishments and awards. Strong candidates for themes are: Career Progression, Out of work Activities/Personal Credo or Vision Statement.

Since we had just 300 words in the second essay for the goals and why ISB, a logical and fitting Career Progression story that buttresses our goals statement is welcome here. A thematic presentation of YOU unplugged - credo, tastes, passions, hobbies - uncovering you as a human being is another possibility. A Vision Statement is welcome only in those did cases where you have a truly amazing set of goals that begs further elaboration. These are just a few of the themes I have jotted down. Please do your own homework to uncover the theme that best fits your achievements, life and goals. Note down the options and go for the best!

Once you have done this, consider if there are other aspects of your candidature - negative or positive - that might need a mention here. You can address aspects potentially detrimental to your ISB candidature. Areas of underperformance (academic or professional or GMAT) or resume statistics which stick out (gaps in your employment/academics or earlier MBA) can be commented on if you have an explanation that is intelligent, interesting and credible.

Go for it!


ISB Scholarship Essay [Optional]: Why do you think that the ISB Scholarship Committee should consider you for scholarship? (300 words max)

ISB Scholarship Essay Tips

Applying for a scholarship is almost always advisable - you have little to lose and something to gain. A scholarship essay should tie in with your application and essay package, without contradicting any part of what you have already written about yourself. As the scholarship process is usually separate from the admissions process in most schools do not be afraid of repeating information that defines your strong candidature.

The ISB scholarship essay can essentially take two approaches – merit based or need based. Though merit based ISB scholarships are automatically considered, the crux of the need based essay would still need merit! The merit based approach can explain why and how your candidacy is superior to the average ISB candidate’s. It might be a recap of parts of Essay 1 and Essay 2 with additional points which might tie in with ISB’s stated aims (come on! go refer their website. now!). As the ISB admissions process is separate from the scholarship decision your scholarship essay can repeat information already mentioned in mandatory essays. The need based approach reviews your financial position and explains the strain that the ISB fees would be on you and your immediate family.

If you have more ideas I am waiting to hear them!

ISB Reapplicant Essay: How has your profile changed from the time you last applied to the ISB? (300 words max)

ISB Reapplicant Essay Tips

Apart from an extremely low applicants versus accepted ratio, ISB applicants are almost fully Indian. So the ISB Adcom is under great pressure to select the best candidates from a limited applicant pool. But there's still a door open for rejected candidates (even more so for waitlisted candidates). If you were rejected (or waitlisted) last time, use these 300 words to tell the ISB Admission Committee that there have been enough changes in your profile to justify a revaluation of your candidature.

Your aim will be to present the professional, academic and personal improvements that make you a stronger candidate for an ISB admission this year. State compelling reasons why you deserve a second chance. What steps have you taken to strengthen your ISB application? Stronger work experience, professional achievements, better GMAT, personal achievements, accomplishments on the social front, international exposure or academic accomplishments can all find place in the ISB reapplicant essay. Proactive ISB-specific steps taken by you, perhaps based on direct or indirect feedback from ISB, might prove a trump card.

Go for it!


ISB essay tips: courtesy www.vibranture.com. original content at ISB essay tips and analysis

 

COURSE

 Pre Term

The Pre Term comprises of a week long course enabling transition to academic and learning, an intensive course of three modules (Quantitative Methods, Accounting, Business Statistics) and orientation focusing on team work and acclimatization with ISB school.

 Core Courses

The core courses cover Finance, Marketing, Strategy, IT and Operations and Management, taught by visiting faculty from international schools and resident faculty.

TERM 1

Financial Accounting in Decision Making

Managerial Economics

Marketing Management

Statistical Methods for Management Decisions

TERM 2

Competitive Strategy

Decision Models & Optimization

Global Economics

Marketing Decision Making

TERM 3

Corporate Finance

Entrepreneurship

Leadership Development Programme

Managerial Accounting & Decision Making

Operations Management

TERM 4

Government, Society & Business

Investment Analysis

Management of Organizations

Strategic Analysis of IT

 Electives

Three to five elective courses covering six major concentrations - Analytical Finance, Entrepreneurship, Information Technology Management, Operations Management, Strategic Marketing, Strategy and Leadership- can be opted during the last 4 terms.

 

CAREER

 Major Employers [2008]

9.9 Mediaworx Pvt Ltd

A T Kearney Ltd

Accenture India Pvt Ltd

Aditya Birla Group

Alghanim Industries

Amazon Development Centre

Ambit

Apollo Hospitals

ArcelorMittal

Booz Allen Hamilton

BP

CA (India) Technologies Pvt Ltd

Castrol India Ltd

Cisco

Citibank N A

Cognizant Technology Solutions

Deloitte Consulting India Pvt Ltd

Deutsche Bank

Deutsche Lufthansa AG

Diamond Management & Technology Consultants

Dr Reddy's Laboratories Ltd

DSP Merrill Lynch Ltd

eBay India Pvt Ltd

Enam Securities Pvt Ltd

Ernst & Young

Fair Isaac India Software Pvt Ltd

Frost & Sullivan Pte Ltd

GE Commercial Finance

GE Money

General Motors Asia Pacific

Genpact

Goldman Sachs

Google India Private Ltd

HCL Technologies Ltd

Hero Honda Motors Ltd

Hewitt Associates

Hinduja Group India

Hindustan Coca-Cola Beverages Private Limited

Hindustan Unilever Limited

Holcim

Honeywell Technology Solutions lab Pvt Limited

HT Media Ltd

Hypo Real Estate Bank International

IBM India Pvt Limited

ICICI Securities Ltd

Indu Projects Ltd

Inductis (India) Pvt Ltd

Infoedge India Ltd

Infosy BPO Ltd

Infosys Technologies Limited

Infrastructure Development Finance Co Ltd

ITC Infotech India Limited

ITC Limited

Jindal Steel & Power Ltd

Jones Lang LaSalle Meghraj

Kotak Mahindra Bank

KPMG

Macquarie Group

Mayfair Housing Pvt Ltd

McKinsey & Company

Microsoft

MindTree Consulting Ltd

Morgan Stanley India Company

Naandi Foundation

National Institute for Smart Government

NIIT Group

Oracle India Pvt Ltd

Pfizer Limited

PricewaterhouseCoopers

Rabo India Finance Limited

RPG Group

Satyam Computer Services Ltd

Schneider Electric

Standard Chartered Bank

Stern Stewart & Co

Tech Mahindra Ltd

The Boston Consulting Group (India) Private Limited

Tishman Speyer

Trilogy E-Business Software India Pvt Ltd

TVS Motor Company

Unitech Limited

Universal Consulting India Pvt Ltd

Virtusa India Private Limited

Vodafone Essar Limited

Wipro Ltd

Yes Bank Limited

Zensar Technologies Ltd

ZS Associates
DATES APPLICATION COURSE CAREER ALLIANCES FINANCE

 Placement Trends

PLACEMENT STATISTICS
  Class Size Gender

M                        F

Average Age Average Work Experience Students Total Companies International Companies Total Offers International Offers
2002 130 110 20 26 4 130 120   193 28
2003 169 136 33 26 4.5 155 139   222 12
2004 219 179 40 27 5 192 144 4 273 20
2005 273 222 51 27 5 251 152 5 344 31
2006 345 278 67 27 5 327 143 22 442 45
2007 416 332 84 27 5 414 202 45 584 55
2008 421 316 106 28 5 418 230 60 657 111

CTC

  2002 2003 2004 2005 2006 2007 2008
Average International CTC (in $) 88000 66000 90000 100000 120700 135000 144812
Average Domestic CTC (in Rs.) 850000 830000 905000 1305000 1170000 1503000 1900000

INDUSTRY-WISE OFFERS (%)

  2002 2003 2004 2005 2006 2007 2008
Consulting 7 5 8 33 10 12 21
Financial Services 8 11 18 19 15 17 14
FMCG
19 16 4 4 4 1
IT/Telecom
29 33 53 31 56 50 36
Diversified
29 31 7 9 15 18 13
Manufacturing
1 1 3     6 3
Pharma
7 3 7 4     5
Media           4 1
Real Estate           3 6

FUNCTION-WISE OFFERS (%)

  2002 2003 2004 2005 2006 2007 2008
Consulting 7 10 29 31 36 26 23
Financial Services 8 18 17 18 11 15 16

General Management

16 17 5 6 3 9 21

Technology

19 16 7 7 17 19 16

Sales & Marketing

29 24 26 25 25 18 16

Pharma

7 11 13 4 2 9 6
Operations
14 4 3 9 6 4 2
Others 29 24 26 25 25 18 16

INTERNATIONAL REGION-WISE OFFERS (%) 2008

Region Number of Offers
US 27
UK & Europe 32
Asia Pacific 20
Middle East 24
Australia 3
Others 5
Total 111

CAREER SHIFTS (%) 2008

Total number of students shifting

81%

Shift within same industry 21%
Shift within same function 10%
Both functional & industry shifts 50%
Women shifting 22%
men shifting 60%

General trends: Entrepreneur to Private equity; Merchant Navy to Port Management; IT Engineering to Management Consulting
DATES APPLICATION COURSE CAREER ALLIANCES FINANCE

 Incoming Vs Outgoing

Incoming Vs outgoing salary ratio of women at ISB is  three times while that of men is 2.5 times.

EXPERIENCE-WISE AVERAGE (2008)

Experience Group

Average Incoming CTC

Average Outgoing CTC

0-2 years 400823 1509025
2-5 years 632629 1713816
5-8 years 799309 2085074
8+ years 1112415 2650914

PRE-ISB AVERAGE (2008)

Industry

Average Outgoing CTC

Average Incoming CTC

Consulting 549322 1736998
Finance 716990 1713687
ITES 729123 1905950
IT Product 793564 2190685
Telecom 758744 1573579
Manufacturing 602623 1297336
Media 506500 1417500
Real Estate 866667 1899622
FMCG/Retail 1033333 1501766
Pharma/Biotech 470843 1813824
Others 699494 2119975

FUNCTION-WISE AVERAGE (2008)

Industry

Average Outgoing CTC

Average Incoming CTC

Consulting 665438 1736504
Finance 681855 1730210
General Management 1007575 2022462
Operations 842253 1926483
Sales & Marketing 579029 1771751
Technology 680329 1566706
Media 506500 1417500
Others (Oil, Energy, Gas) 579029 1771751
Others 611966 1678794

 

ALLIANCES

 Associate Schools

The Wharton school, University of Pennsylvania

The Kellogg school of Management, Northwestern University

London Business School

 Exchange Program

Selection: Bidding of 3 course of which one can be attended

Criteria: Free of any honour code violation, No "F" grade in any course for any reason, ISB CGPA above 2.5

EXCHANGE PROGRAM NETWORK

Bocconi University (MSc) - Italy

Cheung Kong Graduate School of Business - China

College of Commerce, National Chengchi University - Taiwan

Darden School of Business, University of Virginia - USA

ESADE Business School - Spain

Fuqua School of Business, Duke University - USA

Haas School of Business, University of California Berkeley - USA

HEC School of Management - France

IE Business School - Spain

IESE Business School, University of Navarra - Spain

Joseph L. Rotman School of Management, University of Toronto - Canada

KAIST Graduate School of Business - Korea

Kellogg School of Management, Northwestern University - USA

Kenan Flagler Business School, University of North Carolina - USA

Judge Business School, University of Cambridge - UK

Lahore University of Management Sciences - Pakistan

London Business School - UK

Melbourne Business School, University of Melbourne - Australia

NUS Business School, National University of Singapore - Singapore

Otto Beisheim Graduate School of Management, WHU - Germany

Queen's School of Business, Queen's University -Canada

Rotterdam School of Management, Erasmus University - Netherlands

School of Business and Management, The Hong Kong University of Science and Technology - Hong Kong

School of Economics and Management, Tsinghua University - China

Schulich School of Business, York University - Canada

SDA Bocconi School of Management (MBA), Bocconi University - Italy

The China Europe International Business School - China

The Fletcher School, Tufts University - USA

The Leon Recanati Graduate School of Business, Tel Aviv University – Israel

Thunderbird School of Global Management - USA

The Wharton School, University of Pennsylvania - USA

Tuck School of Business, Dartmouth College - USA

University of Cape Town Graduate School of Business – South Africa

 

FINANCE

 Fees
  Amount (Approximately)
Single Person Family
INR USD INR USD
Tuition Fees 1730000 36200 1730000 36200
Accommodation 150000 3125 250000 5200
Books 20000 420 20000 420
Laptop 50000 1050 50000 1050
ISB Alumni Association Membership Fee 10000 210 10000 210
Meal Plans 60000 1250 120000 2500
Total 2020000 42255 2180000 45580

 Scholarships

Along with scholarship information and essay, proof of Income (Last drawn salary slip, if employed or Income-tax returns, if self employed) of applicant, parents and spouse (if currently working) are required for submission. Each year, outstanding students win (need and merit based) scholarships as fee remissions, the amounts vary.

COMPANY/EXTERNAL SCHOLARSHIPS

1. Cognizant - B'izard

Amount: Rs. 300000, Rs. 200000, Rs. 100000 (one each)

Criteria: non-receipt of any other scholarship from ISB; not being on rolls or employment while at ISB

Selection: essay along with application, recommendation from faculty, short-listing, interview

Date: August

2. Citigroup

Amount: USD 12500 (4 to 6 students)

Criteria: merit based - exceptional academic record, outstanding GMAT, consistent social contribution, work experience with leadership and business potential

Selection: essay, short-listing, interview

Date: May-June

3. Csquare Learnings Pvt. Ltd.

Amount: Rs. 100000 (5 student)

Criteria: GMAT student of Csquare

Selection: ISB admission offer, Csqaure receipt, student ID card

Date: February

4. Novartis

Amount: Rs. 400000 (3 students)

Criteria: merit & need based - women who completed schooling from non A class towns

Selection: application

Date: Not applicable

5. TATA Motors

Amount: Rs. 300000 (3 students)

Criteria: engineers with 3-6 years of experience in Oil/FMCG/Manufacturing/Consumer Durables/Energy, minimum GMAT score  of 700, excellent academic record

Selection: application, proof of income

Date: August

6. Nurture India

Amount: Rs. 400000 (1 student)

Criteria: need based

Selection: sole breadwinner of family with dependants with little or no income

Date: Not applicable

7. Manhattan Review Scholarship

Amount: Rs. 100000 (5 students)

Criteria: GMAT Student of Manhattan Review

Selection: Manhattan Review receipt, student ID Card

Date: Not applicable

7. Jamboree India Talent Promotion Award

Amount: Rs. 100000 (upto 5 students)

Criteria: need and merit based

Selection: application, proof of income, Jamboree India receipt

Date: along with admission

INTERNATIONAL SCHOLARSHIPS

1. ISB-AIESEC

Amount: 75% of tuition fee (3 students)

Criteria: merit-based - non-Indian passport holders, members/alumni of AIESEC

Selection: essay, selection

Date: along with admission

2. International Diversity Scholarship

Amount: USD 5000 - 10000

Criteria: merit-based - non-Indian passport holders

Selection: application, selection

Date: along with admission

 Loans

1. IEFC

Amount: USD 1000 t0 45000 or cost of education

Bank: Bank of America

Criteria: credit-based

Repayment: 10-25 years

2. Loans from Indian banks and institutions: The main advantage is that the loans are provided without any collateral.

  Andhra Bank HDFC Bank Union Bank of India State  Bank of India
Maximum Loan Amount 20 Lakhs or 90% of cost (including insurance cover) 20 Lakhs or 95% of cost (including insurance cover) 20 Lakhs or 95% of cost (including insurance cover) 20 Lakhs or 95% of cost (including insurance cover)
Interest Rate 10% floating for females, 10.5% floating for males 10.5% for loan with collateral, 11.25% for loan without collateral 10% fixed for females, 10.5% fixed for males 10.5% floating
Repayment Period 5-7 years 5 years 7 years 7 years
Moratorium 18 months 15 months 18 months 15 months
EMI Option Standard Standard Standard Standard
EMI - - To be announced -
Security Co-obligation of earning parents or spouse 1. Co-obligation of earning parents or spouse upto 15 Lakhs + Lien in ISB Certificate & Transcript

2. FD/Property/LIC/KVP for loan above Rs. 15 Lakhs

Co-applicant or personal guarantor Guarantee of earning parents, guardian or third party for loan above Rs. 75. Lakhs
Insurance Cover On loan amount availed On loan amount availed On loan amount availed On loan amount availed

3. Educational loans for Nepalese citizens

  Bank of Kathmandu
Maximum Loan Amount NPR 5 million or 90% of cost
Interest Rate 9.5 % (fixed)
Moratorium NIL
EMI Option Standard
EMI - Standard NPR 1294 per one hundred thousand
Security Registered mortgage over real estate

 

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