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Financial Aid & Study Loans For CU Students

Chandigarh University is a steppingstone for students who aspire to transform their dreams into reality.In order to encourage students to take up higher Study despite their financial shortcomings, nowadays, Banks/NBFCs,EMI Services and State Government,are providing loans to students.

Chandigarh University strives to support students to pursue higher Study. The fraternity has set up a separate loan assistance cell to accommodate the students, during the admission process (Online or Offline) to acquire loans from university-partnered banks.

Chandigarh University gives an option to apply study loan via various banks to fund your Studywith attractive rates and different schemes.

  • A wide range of expenses covered
  • No Collateral up to 7.5 Lacs by Maximum Banks.
  • Apply multiple banks under one roof (Vidya Lakshmi / Jansamarth)
  • Study Loan with 100% Subsidy on interest rates (family income < Rs. 4.5 Lacks P.A.)
  • Moratorium Holiday-Pay after your course completion.
  • Tax benefit- Section 80E.
  • No need to liquidate valuable assets.
  • Liberating your parents from loan burden.

Chandigarh University, in collaboration with the Bank of Baroda, introduces "Digital Education Loan", a unique platform that offers an end-to-end digital process from loan application to sanction/disbursement.

Students can now avail a loan of up to Rs. 10 Lakh without collateral.

Chandigarh University, in collaboration with the Bank of Baroda, introduces "Digital Education Loan", a unique platform that offers an end-to-end digital process from loan application to sanction/disbursement.

Students can now avail a loan of up to Rs. 10 Lakh without collateral.

  • Admission Offer Letter via automatic generated mail on registered email id after registration (Sometime Check SPAM/Junk File).
  • Full Fee Structure of the Chosen Course via CUIMS- Apply for Loan Documents- Document Status.
  • Prospectus of the University available at CUCET id till closure of admission.
  • Courses (Fee Payments Slips/ Registration Slip) available at CUIMS Payment Section.
  • Placement Record available at https://www.cuchd.in/placements/
  • Recognitions and approvals available at https://www.cuchd.in/recognitions-and-approvals/

  • KYC (Aadhaar Card/ Voter Card/ Driving License/ Passport)
  • 2 Recent Passport Size Photographs
  • Mark Sheets/Passing Certificates of 10TH, 12TH/Diploma & Degree
  • PAN Card
  • CUCET Scorecard available at CUCET Id
  • Vidyalakshmi/Jansamarth Registration ID

  • KYC (Aadhaar Card/ Voter card/ Driving License/ Passport)
  • 2 Recent Passport Size Photographs
  • PAN Card
  • Last 1-year active bank account statement
  • IT returns/ Form no 16/16A/Salary Slip or Income Proof issued by Magistrate/Tehsildar.
  • A brief statement of assets & liabilities of co-borrower/ guarantor

The scheme is restricted to students enrolled in professional/ technical courses only from NAAC accredited Institutions or professional/ technical programmes accredited by NBA or Institutions of National Importance or Central Funded Technical Institutions (CFTIs). Being a NAAC A+ graded Chandigarh University is eligible for CSIS Scheme.

CSIS is a unique scheme that pivots around the vision that no student desiring to pursue higher education is denied the opportunity if he/ she is financially poor. Students belonging to Economically Weaker Sections, i.e. students whose annual gross parental income is up to Rs 4.5 lakhs can avail this scheme. The subsidy is admissible only once either for the undergraduate or postgraduate or integrated course. Study loan is provided without any collateral security and third-party guarantee and for a maximum amount of Rs 7.5 lakhs.

This scheme was introduced to benefit all categories of economically weaker students who wish to pursue professional/ technical courses in India and intends to provide affordable higher education. The motive is to uplift the students from the grassroots level and increase the number of qualified technicians/ professionals in the nation.

The question should ideally be, why choose an Education Loan over a personal loan, or the money accumulated in your savings account? The versatility and advantages of Education Loans are listed below-

From Applicant/Student

  • KYC (Aadhaar Card/ Voter Card/ Driving License/ Passport)
  • 2 Recent Passport Size Photographs
  • Mark Sheets/Passing Certificates of 10TH, 12TH/Diploma& Degree
  • PAN Card
  • CUCET Scorecard available at CUCET id till closure of admission.

From Chandigarh University

  • Admission Offer Letter via automatic generated mail on registered email id after registration (Sometime Check SPAM/Junk File).
  • Admission Confirmation Letter/Selection Letter/Full Fee Structure of the Chosen Course.
  • Prospectus of the University available at CUCET id till closure of admission.
  • Fee Payments Slips/ Registration Slip available at CUIMS Payment Section.
  • Placement Record available at https://www.cuchd.in/placements/
  • Recognitions and approvals available at https://www.cuchd.in/recognitions-and-approvals/

From Parents / Guarantor

  • KYC (Aadhaar Card/ Voter card/ Driving License/ Passport)
  • 2 Recent Passport Size Photographs
  • PAN Card
  • Last 1-year active bank account statement
  • IT returns/ IT assessment order of previous 2 years/ Form no 16/16A/Salary Slip or Income Proof issued by Magistrate/Tehsildar.
  • A brief statement of assets & liabilities of co-borrower/ guarantor

Login CUIMS     Click Navigation     Apply for Loan Documents     Fill Particular Accordingly     Save Information     Check Loan Status    Download required documents (After 24 Working HRS).

  • Apply multiple banks online at a time with the help of Registration at Vidya Lakshmi https://www.cuchd.in/admissions/Education-loan.php or Registration at JanSamarth https://www.jansamarth.in/home
  • Submission of Document file at selected Bank Branch.
  • Take colour print of all documents and ready your Study loan file according to check list(*).
  • Visit registered Bank Branch which is selected by user in Vidyalakshmi /JanSamarth portal with parents.
  • Submit study loan file at the Bank and Collect contact number and email id from the bank branch for future reference.
  • Share these details with us on email-id edu.loan@cumail.in once all process initiated.

The average tenure for a Study loan is between 10-15 years after completion of course at Chandigarh University

ROI is depending upon the loan amount required and scheme offered by the bank for the Chandigarh University Students. Also, It varies bank to bank as per RBI Guidelines at the time sanctioning of study loan.

There is no best bank to avail a study loan. In India there are a number of banks both public and private sector from which you can avail an study loan. There are also dedicated NBFCs from which you can avail study loan.

You should be 18 years of age to avail a study loan or your parents can take the loan in their name. Banks might set an upper age limit of 35 years and no study loan is given if you are above this age. In Case of Minor one of the parents act as guardian.

Students should be an Indian National & have secured admission on merit basis through entrance test or selection process of Chandigarh University mentioned in the prospectus.

The applicant’s annual family income and the course pursued are primary determinants for the applicable loan amount.

The requirement of collateral varies from one bank to another; however, the following is generally the thumb rule:

  • For loans up to Rs. 7.5 lakh – Collateral is not needed.
  • For loans above Rs. 7.5 lakh – Collateral is required. Some of the key types of collateral accepted by banks include LIC/NSC/KVP, Fixed Deposit held with the lender, property documents owned by the applicant or co-signor.

Rs. 50000/- by maximum Banks

A majority of students applying for a Study loan do not have previous credit history such as other loans or credit cards. Thus, Study loan specialized lenders have a specialized credit scoring model that scores Study loan application based on the University, College and the Course of admission. They factor the academic background of the student as well as the credit history of the co-borrower into their decision.

EMI stands for Equated Monthly Instalments. This instalment comprises both principal and interest components. Your EMI would be calculated depending on the tenor you choose, to repay your loan. The EMI would be higher if you choose to repay within a shorter period as against a longer-term loan. A shorter repayment period, however, reduces your interest cost over the term of the loan. Add EMI Calculator Link https://www.jansamarth.in/checkEligibility

The repayment would begin one year after the course period or six months after you get a job, whichever is earlier. You are expected to pay a minimum amount equivalent to the EMI on a monthly basis. However, you can choose to pay more than the EMI, and we do not charge any prepayment penalty.

Yes, for all full-time courses a co applicant is required. The co-applicant can be Parent/Guardian or Spouse (if-married).

Your parents/ guardian can be a co-borrower as well as spouse in case of a married applicant. The co-borrower should have a steady source of income and a good credit history in order to improve the applicant’s chances of a successful loan application.

The Maximum Limit depends upon Academic Fee +Hostel Fee/Transport Fee Books Stationary Re-equipment Fee as per Mentioned in the Prospectus or asked by the institution.

The Maximum Limit depends upon Academic Fee +Hostel Fee/Transport Fee Books Stationary Re-equipment Fee as per Mentioned in the Prospectus or asked by the instiMost Study loan providers do not charge a margin on Study loans equal to or less than Rs. 4 lakhs. For higher loan amounts of up to 7.5 lakhs, banks and NBFCs have a margin of around 5-10% i.e., they provide loan amount equal to 95% of the course cost and the rest must be borne by the applicant. In case of higher loan amounts, the lender may decide to set margins on a case-by-case basis according to internal policies. (For More Details read instruction mentioned in Tie Up Letters).

The academic fee, transport fee and hostel fees are disbursed directly to the institute as per their schedule and fee structure usually in the form of a draft. Other components of the loan such as course-related expenses for lab equipment, laptop computer, uniform, travel expenses etc. may be claimed by and provided to the loan applicant.

Some banks perform independent verification of the employment records of the loan consigner, which typically include parent/guardian or spouse (if married) of the student who is applying for the Study loan. In case the details provided cannot be verified, the loan application may be rejected by the prospective lender.

Each student is given some time by the bank before the repayment tenure starts. This is the time granted by the lender before the repayment begins is referred to as the holiday period. It is usually either 6 months to 1 year after the successful completion of the course, or the time it takes the borrower to start working at a job, whichever is earlier. If there is a break in the course or the borrower chooses a sabbatical, it is entirely up to lending bank’s discretion on whether to add a few months to the holiday period.

The outstanding interest for the moratorium period will be added to the loan amount at the time of commencement of the repayment. The EMI will be determined on this amount at the time the repayment is to commence.

Loan borrowers can avail tax benefits on interest paid on Study loan under Sec 80E of the Income Tax Act. This benefit is available over and above the Rs. 150,000 deductions allowed under Section 80C. Tax benefits can be availed once the borrower starts paying the interest on the Study loan. Further, the deduction is available until the borrower pays off the full interest amount on the loan or for a maximum period of 8 years, whichever is earlier.

Most banks do not levy prepayment penalty on Study loan. However, it is best to check with the bank before signing the dotted line.

Earlier, having an account in the bank from where the borrower was hoping to get a loan used to be an important criterion. Now it is no longer a mandatory requirement. If you have an account with the bank, it usually becomes easier to get the loan sanctioned. This is because of your prior relationship with the bank, your past financial records and transactions can be analysed faster to decide.

Yes, this is possible. You can borrow a loan for a bachelor’s degree followed by one for master’s without repaying the first loan. This loan can be taken as a top-up loan against the already existing loan; however, it is subject to the lending bank’s discretion and the internal rules and regulations of the lender.

Banks generally provide a 0.5% concession on the applicable Study loan interest rate to girl students pursuing higher Study in India and abroad.

NIL

The loan amount will be disbursed in stages directly to the Chandigarh University

Study loan that doesn’t ask the borrower to pledge security is called an unsecured loan. Such education loans that need a guarantee in the form of collateral from the borrower (or co-applicant) are called secured loans. They have lower interest rates and are easier to get since the risk to the bank is much lower.

  • A lender may also reject a collateral-free education loan if the CIBIL score of the co-applicant is weak.
  • Incomplete paperwork, especially on the collateral, raises the chances of your loan being declined.
  • If the student’s past academic performance has been poor, an unsecured student loan is harder to get. 
  • In case the co-signer is already shelling out other EMI’s, the chances of refusal increase further.

1–3-year gap in study period will not be an obstacle. What is required is that you should qualify for taking admission in Chandigarh University as per admission eligibility criteria.

Yes, You can avail study loan from banks who have tie up with Chandigarh University (See Bank Tie up List at website).

Yes, Many of Public and private sector banks offer digital study loan facilities like-Bank of Baroda, Punjab National Bank, State Bank of India, ICICI bank, Axis Bank provides a digital platform to sanction study loan. (Note: Applicant/Co Applicant must have to fulfil digital study loan criteria as per bank norms and requirement)

  • If you pay back the interest on the study loan in the moratorium period, you get a discount (cut) on the interest rates by 1% in this period.
  • So we would ask you to gain knowledge and then visit two three bank to compare their term and conditions and then choose the best one.

Yes, Kindly ask your bank manager to provide the sanction letter copy in which loan amount , ROI, Student name & Term and Condition are mentioned.

Once you get Sanction Letter Upload PDF Copy of sanction letter CUIMS-Apply for Loan Documents-Loan Status-Upload Sanction Letter & Share same copy to edu.loan@cumail.in with UID/Admission number. Also Keep Acopy with you for future reference.

Demand letter provided for each sanctioned case whose sanction letter uploaded in the portal by default. Every semester once semester fee is due by the accounts department as per notification issued by the Registrar's office, students can download the demand letter for upcoming semester fee from loan status as per fee due for a particular semester. If there is any advance paid earlier or scholarship availed it will be adjusted in future or students can apply for refund for extra amount paid.

​Yes, It is required by the bank. Students have to submit an attested copy of the result at the bank when subsequent payment is released.

Sometimes if the result is not declared, students can ask for a promotion letter to release the subsequent payment from the bank. Students can obtain a Promotion letter from the Registrar office by drop mail to edu.loan@cumail.in with a sanction letter copy.

Vidya Lakshmi Portal provides single window for Students to access information and make application for Educational Loans provided by Banks and Govt. Scholarships. It has the following features:

  1. Information about Educational Loan Schemes of Banks
  2. Common Educational Loan Application Form for Students
  3. Apply to multiple Banks for Educational Loans
  4. Facility for Banks to download Students Loan Applications
  5. Facility for Banks to upload loan processing status
  6. Facility for Students to email grievances/queries relating to Educational Loans to Banks
  7. Linkage to National Scholarship Portal for information and application for Govt. Scholarships

(As Revised - Applicable for loans taken with effect from 01.04.2018)

One of the major objectives of the Government is to ensure that no student is denied the opportunity to pursue higher education because he or she is poor. To achieve this objective, Ministry of Human Resource Development (MHRD) launched a Scheme titled "Central Sector Interest Subsidy Scheme" (CSIS) in 2009. The scheme provides full interest subsidy during the moratorium period on modern education loans without any collateral security and third-party guarantee, for pursuing technical/professional courses in India. Students whose annual gross parental/ family income is up to Rs.4.5 lakhs are eligible under the scheme. The existing Scheme has been modified with the approval of the Cabinet on March 28th, 2018.

The Scheme is adopted by all Scheduled Banks and is linked with the existing Model Educational Loan scheme of the Indian Banks' Association, and restricted to students enrolled in professional/ technical courses only from NAAC accredited Institutions or professional/ technical programs accredited by NBA or Institutions of National Importance or Central Funded Technical Institutions (CFTIs). Those Professional Institutions/programs, which do not come under the ambit of NAAC or NBA, would require approval of the respective regulatory body viz, approval of Medical Council of India for Medical courses, Nursing Council of India for Nursing courses, Bar Council of India for Law etc. The scheme is applicable to students belonging to Economically Weaker Sections, i.e. students whose annual gross parental income is up to Rs.4.5 lakhs. Subsidy is admissible only once either for undergraduate or post graduate or integrated course. Under the scheme, education Ioan is provided without any collateral security and third-party guarantee and for a maximum amount of Rs. 7.5 lakhs.

Education Loans taken under IBA Model Education Loan Scheme.

Students having parental income up to Rs. 4.5 lakhs per annum.

Students enrolled in professional/ technical courses only from NAAC accredited institutions or professional/ technical programs accredited by NBA or Institutions of National Importance or Central Funded Technical Institutions (CFTIs). Those Professional institutions/programs, which do not come under the ambit of NAAC or NBA, would require approval of the respective regulatory body viz, approval of Medical Council of India for Medical courses, Nursing Council of India for Nursing courses, Bar Council of India for Law etc.

Admissible only for once either for UG, PG- Also admissible for integrated courses (graduate + post graduate).

Interest Subsidy under this Scheme shall not be available to those students who discontinue their course midstream, or who are expelled from the Institution on disciplinary or academic grounds. However, the interest subsidy would be available only if discontinuation is due to medical grounds for which necessary documentation to the satisfaction of the Head of educational institution needs to be provided.

The benefits of the Scheme is applicable to students belonging to economically weaker sections, with having parental income up to Rs. 4.5 lakhs per year (from all sources). Income proof is required from authorized Public authority of the State Government. The present scheme is intended to cater to the needs of students belonging to economically weaker sections with prescribed upper parental gross income limit of the family from all sources, which is based on economic index and not on social background- The scheme is independent of any other schemes which may cater to EWS.

  • Step1- Login CUIMS-Hostel Allocation Request-Seat Preference-Submit
  • Step2- Seater Allotment By Hostel Team within 24 Hours
  • Step3- Payment of Hostel Fee
  • Step4- Room Allocation after minimum booking amount/Full Hostel Fee after 72 Working Hours.
  • Step5- Payment of Balance Hostel fee if any within the stipulated time as directed by the hostel team at the time of booking.
  • Note: In Case of Study Loan, the student is required to pay a minimum booking amount of INR 50000/- after recommendation of the loan department for the confirmation of hostel seat. The balance amount is to be paid within 2 months of admission.
  • The Refund/Cancellation will be considered as per hostel refund policy.
  • For Girls Hostel-7087003857, 8146651563 & 8195862139
  • For Boys Hostel-8447918985, 8288094335

Chandigarh University gives an exclusive opportunity to the students to apply through Short Term EMI.

Short-term loans are available to the students experiencing a low-bar financial crisis.

  • One advance EMI
  • Covers semester fees, books, stationary, hostel, equipment, transportation and additional program fees.
  • Chandigarh University students can apply online via CUIMS https://uims.cuchd.in/uims/

Duration of Repayment:- 4 to 12 months

Rate of Interest:- 3.6% to 14%

Eligibility:- CIBIL of Applicant/co-applicant.

If you are a parent/guardian of a student studying at Chandigarh University, you are eligible for the plan.

The applicant/co-borrower should be an Indian citizen who would agree to co-sign and execute the loan agreement and other documentation, as well as promise to service the monthly installments to repay the loan.

Applicant/Co-Borrower should be salaried/self-employed.

Yes, you can decide on the EMI at your convenience.

Yes, you can choose the amount based on the annual semester fee / total course fee.

You can go back to your form using the same phone number you previously used. You can resume filling out the application from where you left off.

The monthly installments are auto-debited from your bank account via the ENACH mandate that is set up for you at the time of disbursal of your Monthly Fee Payment Plan. You can also pay us online via Net banking/UPI/Debit cards.

There are absolutely no hidden charges. Most products have zero additional costs. If there are any additional costs for using this service, they will be communicated prior to signing up.

Yes. You can foreclose the EMI Services Monthly Fee Payment Plan, and there are no charges for it. You just need to drop an email to support@grayquest.com for Grayquest, info@liquiloans.com for Liquiloans, and talk to our experts for Eduvanz - 022-4973 3624 / 022-4973 3674

Applicants are required to provide their KYC as per regulatory requirements which include a self-attested copy of their PAN Card and Address Proof (any 1 of Aadhar / Driving License / Passport / Voter ID). If we need any additional documentation, our team will get in touch with you.

Yes. We save all the data on a private cloud server.

Yes - once you have signed up with us and completed repayment - you can renew this facility seamlessly for future fee payments.

A dedicated team helps you to select the suitable plan as per your need with our EMI services provider.

Yes, Grayquest Helpline Number is 8264097083 (Nitin Singh), Email Id: hello@grayquest.com; Liquiloans, 9871904849 (Prakash Yadav), Email-Id: prakash.yadav@liquiloans.com, Eduvanz- 9310655623 (Pankaj Sharma)

It depends upon the tenure decided by the applicant, EMI Services Terms & Conditions.

Once the Upfront Charges/One advance, EMI is paid by the applicant, it takes 48 working hours to disburse the fee to the University Bank Account (Note: Govt Holiday/Sunday Excluded)

Yes, as per Applicant/Co-Borrower repayment capacity.

You can contact us with full details by calling Chandigarh University Helpline Number 7527009670 or email at edu.loan@cumail.in

EMI Services Monthly Fee Payment Plan will cover up to 100% of the course fee, depending on the strength of the applicant’s profile and the creditworthiness of the principal borrower.

No, there is no need for any collateral/security.

If the applicant meets the eligibility criteria and completes the online process, the disbursal to the institute can be made within 24 hours.

The repayment schedule will commence immediately from the date of disbursal or commencement of the course (whichever is earlier) at the institute, with the candidate paying the first installment on that date itself.

Students from Bihar have two options of taking economic help/study loan, Bank Loan or BSCCS. If the course fee is up to Rs 4,00,000, students can avail Bihar Student Credit Card Scheme. Introduced by the Government of Bihar, the scheme is only applicable to NAAC A+ graded Universities, NIRF ranked Institutions and NBA accredited institutions. This is a loan scheme that enable college students who wish to pursue higher Study without any financial problems.

For more details log on to https://www.7nishchay-yuvaupmission.bihar.gov.in/

From Applicant/Student

  • KYC (Aadhaar Card/ Voter Card/ Driving License/ Passport)
  • Mark Sheets/Passing Certificates of 10TH, 12TH/Diploma& Degree
  • PAN Card

From Chandigarh University

  • Admission Confirmation Letter/Selection Letter/Full Fee Structure of the Chosen Course.

From Parents / Guarantor

  • KYC (Aadhaar Card/ Voter card/ Driving License/ Passport)
  • PAN Card

Login CUIMS    Click Navigation    Apply for Loan Documents    Fill Particular Accordingly >Save Information    Check Loan Status    Download required documents (After 24 Working HRS).

  • Obtain Documents by Login CUIMS or from Camus Chandigarh University.
  • Upload letter at https://www.7nishchay-yuvaupmission.bihar.gov.in/
  • Visit Nearest DRCC Office to submit Physical Documents and identification of student.
  • Verification at University Level by DRCC Bihar/TPVA Abhay Techno Pvt. Ltd.
  • Approval by DRCC, Agreement in between DRCC Office and Student.
  • BSEFCL will share the transaction details with students via SMS and E-mail.
  • For payment update on CUIMS, send transaction details to edu.loan@cumail.in

The average tenure for a Study loan is between 5-7 years after completion of course at Chandigarh University

ROI for Boys 4% & for Girls 1% per annum.

You should be 25 years of age to avail a study loan for Graduate courses & for Post Graduate Courses it is 30.

Students should be an Indian National & have secured admission on merit basis through entrance test or selection process of Chandigarh University mentioned in the prospectus. Passed 12th exam from Bihar state and neighbour states.

No Caping.

No Caping up to Rs. 400000/-

Single Semester Fee

No Caping

EMI stands for Equated Monthly Instalments. This instalment comprises both principal and interest components. Your EMI would be calculated depending on the tenor you choose, to repay your loan. The EMI would be higher if you choose to repay within a shorter period as against a longer-term loan. A shorter repayment period, however, reduces your interest cost over the term of the loan.

The repayment would begin one year after the course period or six months after you get a job, whichever is earlier.

Yes, for all full-time courses a co applicant is required. The co-applicant can be Parent/Guardian or Spouse (if-married).

Your parents/ guardian can be a co-borrower as well as spouse in case of a married applicant.

DRCC office pre decided Rs. 400000/- maximum sanctioned amount and they divided it to equal semester fee as per duration of course.

No Caping

The academic fee and hostel fees are disbursed directly to the institute as per their schedule and fee structure usually in the form of NEFT. Other components of the loan such as personal living expenses, Laptop Fee, Books & Stationary fee to the student registered bank account at DRCC at the time of agreement.

No Caping

DRCC charged only 1% ROI from Girls.

NIL

The loan amount will be disbursed in stages directly to the Chandigarh University as per Disbursement schedule shared by DRCC at the time of sanction and agreement.

1–3-year gap in study period will not be an obstacle. What is required is that you should qualify for taking admission in Chandigarh University as per admission eligibility criteria.

If Hostel Seat Not Booked, DRCC provide Rs. 48000/- living expense direct to student's bank account per annum basis (For which no hostel fee letter required by the DRCC office).

Yes, kindly ask your DRCC Office to provide the sanction letter copy in which loan amount, Schedule of payment disbursement-expected date and type of payment & Bank Account number in which payment disbursed in future are mentioned.

Once you get Sanction Letter Upload PDF Copy of sanction letter CUIMS-Apply for Loan Documents-Loan Status-Upload Sanction Letter & Share same copy to edu.loan@cumail.in with UID/Admission number. Also Keep A copy with you for future reference.

​Yes, It is required by the DRCC Office. Students must submit an attested copy of the result at 7-Nischay Portal when he/she asked DRCC office to release the upcoming fee.

Sometimes if the result is not declared, students can ask for a promotion letter to release the subsequent payment from the DRCC. Students can obtain a Promotion letter from the Registrar office by drop mail to edu.loan@cumail.in with a sanction letter copy.

Students must make prior arrangement of all expenses which is not covered in the DRCC Sanction letter on time as per notification issued by the Registrar office to clear the fee at every semester. You can take EMI option within the specific time to clear these dues from our EMI service provider available on student CUIMS payment section.

TPVA is the third-party verification authority hired by Bihar Govt to verify the student’s details like admission status, course name, current semester, tentative due date of payment & Bank account number where BSEFCL send the payment semester wise.

As per previous records we have, the average time consumed by DRCC office to process a study loan application from beginning to disbursement 90-120 working days. It is also dependent upon the student Curiosity to complete all step-by-step paperwork and formalities in different phases.

All the students are advised to clear the pending dues on time until study loan sanctioned by DRCC. Once Student received sanctioned letter from DRCC, advised to upload on CUIMS and discuss the case one to one at admission department block A1 to judge the case for your convenience.

Student advised to bring sanction letter copy to admission department to judge how much amount credit to the University's bank account against total fee pending during the course. If University received extra fee other than complete course fee at a time it will be refundable or adjustable in future as per student choice.

  • Step1- Login CUIMS-Hostel Allocation Request-Seat Preference-Submit
  • Step2- Seater Allotment By Hostel Team within 24 Hours
  • Step3- Payment of Hostel Fee
  • Step4- Room Allocation after minimum booking amount/Full Hostel Fee after 72 Working Hours.
  • Step5- Payment of Balance Hostel fee if any within the stipulated time as directed by the hostel team at the time of booking.
  • Note: In Case of Study Loan, the student is required to pay a minimum booking amount of INR 50000/- after recommendation of the loan department for the confirmation of hostel seat. The balance amount is to be paid within 2 months of admission.
  • The Refund/Cancellation will be considered as per hostel refund policy.
  • For Girls Hostel-7087003857, 8146651563 & 8195862139
  • For Boys Hostel-8447918985, 8288094335

West Bengal students can avail the benefits of the West Bengal Student Credit Card Scheme to pursue Study without having any financial constraints. The Higher Study Department, Government of West Bengal has designed this scheme to support the students who choose to study further- in secondary, higher secondary, madrasa, undergraduate and postgraduate studies including professional degree and other equivalent programs in any school, Madrasa, College, University or other affiliated institutes within and outside India. Maximum loan amount Rs.10,00,000/- (Including Semester Fee/Hostel Fee/Other Expenses).

For more details log on to https://wbscc.wb.gov.in/

To realize our vision of providing every student the chance to access higher education, Chandigarh University has joined hands with the Jharkhand Government to offer financial aid to students to fulfill their career aspirations.

An overarching goal of the State Government is to guarantee that every student has the chance to access higher education in the top institutions of the country, regardless of their economic constraints. Under this scheme, collateral-free and fully guaranteed education loan up to Rs 15 lakh is offered to help students pursue their higher education. This commitment aims to eliminate any barriers that might prevent students from pursuing further studies due to financial constraints.

For more details, log on to https://www.gsccjharkhand.com/

Download E-Brochure for Education Loan

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  Download Brochure

Name of the banks tie-up with Chandigarh University & Scheme offered.

HDFC Logo Axis Logo ICICI Logo Bank of Baroda Bank Logo UCO Bank Logo SBI Logo PNB Logo IDFC Logo Canara Bank Logo IDBI Logo Punjab & Sind Bank Logo Punjab Gramin Bank Logo Bank of Maharashtra Yes Bank Propelld-Logo

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