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Education Loan for Study abroad - With universities abroad launching attractive professional opportunities, more and more Indian students are getting geared up for the experience in a new country. As the numbers are surging everyday, the demand for financial aids is also taking an upward turn. While grants are the perfect choice, huge competition deter many students from it. In that case, education loans are the best ways to fund your studies abroad. But the question is,Whom to approach for an education loan?The Indian government has framed a comprehensive education loan scheme to ensure that every deserving student is provided with financial aid to pursue higher education abroad.The scheme, formulated in consultation with RBI and Indian Banker's Association allows banks to provide loans to study abroad upto 15 lakhs in the least. However, the lending banks have discretion in fixing the maximum loan amount, provided the maximum is at least 15 lakhs.For students going study abroad there are number of formalities and requirements which need to adhered to. Visa interview deadlines keep approaching fast while the education loan approval letter is required well in time to set up the visa interview.Due to an influx on information, students get confused regarding Whom to approach for an education loan to study abroad.To simplify your problem, Careers360 brings you a list of banks and agencies, whom you can approach for an education loan to study abroad: State Bank of India:India’s largest bank, the State bank of India, under its SBI Student loan scheme provides education loan to studentswho wish to pursue education outside India.According to its website, SBI provides loansforJob oriented professional/ technical Graduation Degree courses/ Post Graduation Degree and Diploma courses like MCA, MBA, MS, etc offered by reputed universities abroad.Courses conducted by CIMA (Chartered Institute of Management Accountants) - London, CPA (Certified Public Accountant) in USA are also covered under the SBI Student loan scheme.You can expect to get a maximum loan of Rs.30 lakhs to study abroad. Since, studying abroad is a costly business, more often than not students demand loans much higher than SBI’s no-margin limit.It is SBI’s policy to charge a margin of 15% for loans exceeding Rs.4 lakhs.Also, students who approach for an education loan of more than Rs.4 lakhs for studies abroad are required to make a deposit of Rs5000, which is adjusted against the margin money or the interest payable on the loan.However, if you do not avail the loan within a period of 4 months of sanction of the loan, the amount will be forfeited by the Bank.Below is the interest rates for SBI Student loan scheme:Loan AmountRate of Interest*For loans upto Rs.4 lacs3.50% above Base Rate, currently 13.50% p.a.Above Rs.4 lacs and upto Rs.7.50 lacs3.75% above Base Rate, currently 13.75% p.a.Above Rs.7.50 lacs1.75% above Base Rate, currently 11.75% p.a.There is an added benefit of 0.50% concession in interest girl students.X factor: An interesting feature of this scheme is that there is provision for second or Top-up loan within the limit of the maximum loan amount.CLICK HERE to download the application form for SBIGet the list of terms and conditions here!HDFC Credila:A subsidiary of HDFC, Credila is the only lender in India, which is exclusively focused on Education Loans. A specialized lender of education loans Credila offers loans to:Indian students going overseasIndian students already in the USACredila processes loans starting from Rs. 1,00,000 which can go upto or exceed Rs.20,00,000.Credila covers the following costs:Tuition fees as determined by the college/UniversityUp to 100% of other expenses including living and hostel expenses, examination fees, library/laboratory fees; purchase of books / equipments/instruments/uniforms; passage money for studies abroad; purchase of computers / laptops considered necessary for completion of the course.Travel fare restricted to one economy class return ticket between India and the country of study, if applicable.X factor: Credila says that it can issue the sanction letter for a student wishing to study abroad even before he/she applies to the institute.CLICK HERE to download the application form for CredilaCredila requires the applicant to contribute supporting documents alongwith the application form.CLICK HERE to get the list of supporting documentsAXIS Bank:Axis Bank’s Education Loan is provided to students who get admission to career-oriented courses like medicine, engineering, management etc., either at graduate or post-graduate level in institutes outside India.Axis bank says it can provides education loan upto Rs. 20 lakhs for pursuing studies abroad which would cover tuition fees, hostel charges (if any), cost of books, etc.For loans above Rs 4 lakhs, there is a 15% margin for higher studies overseas.In addition, applicants are required to open an LIC policy in favour of Axis Bank for a sum equal to at least 100% of the education loan amount.The following documents are required along with your loan application:PurposeSalariedOthersProof of identityPassport or Voter's ID card or driving license or PAN card or government department ID cardPassport or Voter's ID card or driving license or PAN cardProof of incomeLatest salary slip showing all deductions or Form 16 along with recent salary certificateIT returns for the last 2 years and computation of income for the last 2 years certified by a CAProof of residenceBank account statement or latest electricity bill or latest mobile or telephone bill or latest credit card statement or existing house lease agreementBank account statement or latest electricity bill or latest mobile or telephone bill or latest credit card statement or existing house lease agreementBank statement or Pass Book where salary or income is creditedLast 6 monthsLast 6 monthsGuarantor formOptionalOptionalOther DocumentsCopy of admission letter of the Institute along with Fees schedule, mark sheets / pass certificates of S.S.C, H.S.C , Degree coursesCopy of admission letter of the Institute along with Fees schedule, mark sheets / pass certificates of S.S.C, H.S.C , Degree coursesThe interest rates are as follows:TypeAmountBase rate + mark upEducation LoanLoans greater than Rs. 4 lacs and upto Rs. 7.5 lacBase rate + 8.00%Loans greater than 7.5 lacsBase rate + 6.00%Education Loan for Girl ChildLoans greater than Rs. 4 lacs and upto Rs. 7.5 lacsBase rate + 7.50%Loans greater than 7.5 lacsBase rate + 5.50%The current base rate is 10.25%X factor: There is no processing fee Involved.in domain name is for sale. Inquire now. addition, the applicant do not have to pay Prepayment Charges and is not hassled to submit No Due Certificates or Solvency Certificate.You can apply for the Axis Bank education loan here!Besides, applicants are also required to sign an agreement with the bank.CLICK HERE to download Axis Bank Loan AgreementPunjab National Bank:The Punjab National bank provides education loan under the Saraswati Education Loan scheme.According to PNB officials, the Scheme provides financial assistance to meritorious Indian students for pursuing higher professional and technical education abroad.Maximum amount of loan provided is Rs. 20 Lakhs. For loans upto Rs.7.50 lakhs the repayment period is 10 years while for loans above Rs.7.50 lakhs the period is 15 years.Also, for Study abroad an upfront fee of 1% with a minimum of Rs. 10,000 is payable. (refundable on availability of the loan amount)PNB provides loans for: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.Expenses considered for Loan: Tuition fees, Examination , Library , Laboratory fee, Purchase of academic requirements; caution money, Travel expenses for study abroad.Interest rates:VidyalakshyapurtiBase Rate SystemRepayable in less than 03 yrsRepayable in 03 yrs & aboveLoan over Rs.4 lakhs to upto 7.50 LacsBR+4.00%BR+3.50%+ TPLoan over Rs. 7.50 lakhsBR+3.50%BR+3.00%+ TPX factor: Under the Sarvottam Shiksha scheme interest rates forapplicants who already have an account with PNB is less. Below are the rates:Sarvottam Shiksha** (For Existing A/cs only)Base Rate SystemRepayable in less than 03 yrsRepayable in 03 yrs & aboveLoan over Rs.4LakhsBR+3.00%BR+2.50%+TPHSBC Premier:HSBC Premier Overseas Program helps you to plan your education abroad through educational associates. However, the assistance program is limited to only family members of Premier customers.HSBC Premier offers services for education overseas in the following ways:The bank assists in setting up an HSBC Premier bank account overseas along with credit and debit cards prior to departure.HSBC provides access to education fairs and pre-departure briefings hosted by our educational associates.You can view your HSBC accounts online using the Global View service available on HSBC Premier Internet Banking.If you wish to obtain an education loan from HSBC premier you are required to maintain a Total Relationship Balance (TRB) of Rs 2,500,000 (Rupees Twenty Five lakhs only) quarterly.Candidates also have to join HSBC Premier to apply.Global Student Loan Corporation (GSLC):The Global Student Loan Corporation(GSLC) is an agency, which offers student loans for international students that do not require a US citizen or permanent resident to co-sign the loan.GSLC provides financial aid through partnerships with lending institutions around the world and specialized loan servicers. GSLC generally works with financial institutions located in the student’s home country to provide financing for the student’s education.Expenses considered for loan: GSLC arranges financing for students to cover the complete cost of education which includes- tuition fees, books, approved housing, transportation, computer, and other approved education expenses.Besides , GSLC also helps students to determine the total cost of attending their school.X factor: GSLC says it has set no restriction in the total amount. The maximum loan amount is the cost of education less any other financial aid. Also, as mentioned above it does not require a US citizen or permanent resident to co-sign the loan.Website:http://www.globalslc.com/International Student loan program:The International Student loan program helps a student fund his/her education abroad. It has been providing international loans to students from India since 1998.You can apply for a loan up to the total cost of your education minus any other financial aid. International student loans are available year round through this programme. It can, however, be availed only for pursuing education in the USA.However, applicants are required to have a US cosigner as Indian students do not have a credit history in the country.Expenses covered: Tuition, Room and board, Books and supplies, travel and transportation, Health insurance and Living expenses.The application process starts by doing a loan comparison, which finds the best suitable loan scheme for you. Once you've completed your loan application, you will get initial approval within weeks.X factor: Applicants can compare their loans through the compare student loan option. This option allows you to the loan that is best for you.CLICK HERE to compare your loan options and apply!Avanse Financial services:Avanse is an education finance company which provides Indian students education loan to study abroad.Avanse provides a minimum loan of Rs. 1,00,000.00 but it does not have limit on the maximum amount. The maximum amount is structured to meet your necessary needs and cost of education.Expenses covered: Following are the expenses covered by Avanse100% Tuition Fee as determined by the Institute or UniversityLiving Expenses including purchase of Books, Computers and other expenses essential to complete the course (up to 75% of total living cost though not exceeding 20% of the total tuition fee)Caution Deposit / Building Fund / Refundable Deposit supported by Institution Bills / Receipts though not exceeding 10% of the total tuition fee.Travel expenses / passage money upto 75000/- for students travelling abroad.The interest rate charged by Avanse is based on Avanse Base Lending Rate benchmarked by Avanse, which is 11.5%, currently.Hence, the interest rate is equal to ABLR+Spread, where spread is determined individually and is based on analysis of the credit and course profiling.The minimum repayment period is 12 months which can go upto 120 months. Avanse charges a processing fee between 1-2% of the loan amount and is calculated on a case-to-case basis.

Shopify and BigCommerce are two of the best-known shopping cart solutions in the ecommerce industry. Both platforms boast impressive ease of use, competitive prices, beautiful web design, and reliable customer service. When both services have so much to offer, how do you choose between the two?That’s where we come in. Here at Merchant Maverick, we spend hours researching ecommerce platforms. We’ve tested both Shopify and BigCommerce, and we’ve taken an in-depth look at the features, pricing, and company reputation of each. By the end of the article, you’ll know more about the areas in which one cart succeeds and the other doesn’t quite match up.Note: if you are comfortable with WordPress ,you can create a Profitable dropshipping store or Ecommerce Store easily with WordPress WooCommerce Plugin. just Follow this free video tutorials:How to Make a WordPress Dropshipping Website with WooCommerce & AliDropshipHow to Create an eCommerce Website (Online Store) in WordPressBut, before we begin, here’s a little background information about both companies:Shopify is one of the biggest players in ecommerce, hosting more than 600,000 users, including the Lakers Store and Black Milk Clothing. During the company’s 13 years in business, it has facilitated over $82 billion in merchant sales.BigCommerce was introduced to the ecommerce world in 2009. Since then, it has grown to support over 150,000 users who have processed over $17 billion in sales. BigCommerce hosts a few big name clients as well, including Toyota and Gibson.Both shopping carts are fully-hosted, SaaS (Software as a Service) solutions that are excellent options for merchants who are looking for usability at a low price. Keep reading to find out which shopping cart has the best tools to support your ecommerce store.PricingWinner: TieFor most of us, price is an essential consideration when choosing a shopping cart. Both BigCommerce and Shopify offer relatively cost-effective plans. They also both provide free, no-credit-card-required trial periods (15 days for BigCommerce, 14 days for Shopify) and don’t charge for setting up or canceling plans.Shopify plans break down as follows:Shopify PricingShopify Lite: $9/mo. Embeddable cart, but no standalone store website.Basic Shopify: $29/mo.Shopify: $79/mo.Advanced Shopify: 299/mo.Shopify Plus: Custom pricing. Reserved for enterprise-level customers.Each step up in plan grants users more features and admin accounts. But, you don’t have to do much digging to learn that a lot of merchants grumble about Shopify’s extra transaction fees, ranging from 0.5% to 2% per sale. Shopify is one of the few shopping carts on the market that still charges these fees, which is certainly irritating. Fortunately, if you choose (and are eligible) to use Shopify’s in-house payment processor, Shopify Payments, you’re exempt from this extra commission per sale.Excluding Shopify’s “Lite” plan, BigCommerce has similar price points to Shopify. However, plans are capped by your annual revenue. On the plus side, BigCommerce never charges an extra commission per sale.BigCommerce PricingStandard: $29.95/month (sell up to $50K/yr.)Plus: $79.95/month (sell up to $150K/yr.)Pro: $249.95/month (sell up to $400K/yr.)add $150/mo. for every additional $200K/yr. in sales, up to $3MEnterprise: Custom pricingI can’t really call a clear winner in this category, as each platform has its own pricing downside. We’re looking at extra transaction fees that can only be avoided under specific circumstances with Shopify, or automatic bumps in your monthly subscription fees as your revenue grows with BigCommerce. Pick your poison. The good news is that both services are actually competitively priced overall, offering unlimited online storage, bandwidth, and products on all plans.Cloud-Based Or Locally-InstalledWinner: TieBoth BigCommerce and Shopify are both fully hosted on the cloud.Specific Size Of BusinessWinner: ShopifyBoth platforms are highly scalable, especially with their inclusion of dedicated plans for enterprise-level business. One key difference between the two platforms is the specific way in which business growth is handled. Shopify places limits on the number of staff accounts you can add by plan, whereas BigCommerce enforces limits on revenue. For example, once you have to add more than two permission-restricted staff members to your site, you’ll need to upgrade to the $79/month plan with Shopify. For BigCommerce, once you cross $50K/year in revenue (around $4,170/month), you’ll be automatically bumped to the $79.95/month plan.The key here is to think about the dimensions by which your store will most likely grow over time, and plan your subscription budget accordingly. Shopify’s structure better accommodates smaller business on its $9 and $29 plans for longer (while still offering plenty of scalability for larger operations), which is why I award Shopify the win in this category.Hardware & Software RequirementsWinner: TieBigCommerce and Shopify are cloud-based shopping carts. To operate your store using either cart, you just need a computer, an internet connection, and an up-to-date browser. Easy tie.Ease Of UseWinner: ShopifyShopify and BigCommerce each offer easy-to-use admins. If you’ve posted to a WordPress blog or sold on Etsy in the past, you’re not going to have much trouble choosing a theme, changing settings, and loading products and images to your admin with either cart. Both walk you through setup and extend a helping hand via phone support, forums, a knowledgebase, video tutorials, and more.Shopify’s user interface is one of the cleanest on the market:Everything you’re looking for is readily available in the sidebar to the left. It’s easy to add products, create discounts, and edit your site’s content via smart WYSIWYG (what you see is what you get) editing tools.BigCommerce offers a similarly user-friendly admin panel:Since BigCommerce delivers more out-of-the-box functionality than Shopify, you’ll have to learn more elements in order to navigate the backend. But in my opinion, it’s worth committing a little extra time to end up with a well-functioning store that takes full advantage of reporting and discounting features.BigCommerce and Shopify both offer the feature navigation and usability I expect from a top-ranking shopping cart solution. I award Shopify an extremely narrow win here, since it’s a simpler program out-of-the box for most beginners. At the end of the day, your choice will depend entirely on personal preference. You’ll just have to try out both to see which is more intuitive for you.FeaturesWinner: BigCommerceI think you’ll be happy with what BigCommerce offers in the features department: In fact, it comes chock-full of more options than you may need (like a complex rule for “Buy X, Get Y discounts”) or want (I doubt many of you will utilize per-staff permission for adding/editing listings in eBay). Gift wrap options for the holiday season, sales tax reports that are sortable by date, and more–it’s all there. And if it’s not, BigCommerce runs an app store.While Shopify offers plenty of features out of the box, there aren’t quite as many extras. In fact, you may need to pay for integrations with Shopify that are already native to BigCommerce, like single-page checkout.Web DesignWinner: ShopifyShopify has always provided elegant themes and templates. You can choose from Shopify’s 70 mobile responsive, attractive options. Ten of these are available for free, but most are priced between $140–$180.It’s easy to edit Shopify’s themes. A standout feature of the software is its drag-and-drop editor Sections, which allows you to add, subtract, and arrange elements up and down your page. You can also change typography and colors without editing code.BigCommerce has also unveiled new theme offerings within the past few years and currently offers 120+ options. Many of these templates are quite similar to one another, so the total number is not quite as impressive as it initially appears. Still, the themes are good quality and come in several color-swap variations, resulting in around 500 styles in all. Prices range from $145-$235, or you can choose from one of seven free themes.With BigCommerce templates, you’ll have to add an extension or dive into HTML/CSS to make major changes — there is no drag-and-drop component to the visual editor. While you can adjust some fonts and colors with no coding expertise, there isn’t a lot you can easily alter layout-wise without special programming. It is largely for this reason that we give Shopify the edge in the design category.Integrations & Add-OnsWinner: ShopifyBigCommerce offers over 600 helpful and smart integrations, including Quickbooks Online and Mailchimp. Yet, compared to Shopify’s 2500+ apps, BigCommerce takes second place.this post may help you:28 best shopify apps to increase sales18 Best Shopify Plugins For Your Online StoreThe fact that Shopify offers a slew of apps doesn’t mean they’re actually well-built or particularly useful to merchants. Happily, many of the add-ons offered by Shopify are well-crafted, earning positive reviews from hundreds of users.Keep in mind, however, that BigCommerce comes with more extras out-of-the-box that Shopify may charge you to download. The Shopify app store does offer lots of free modules for one-off features as well, but note that any time you graft a non-native feature into your dashboard, you’re adding a level of complexity to your system that comes with its own learning curve.One more thing: Shopify has recently introduced its own business financing service, Shopify Capital. Through Shopify Capital, you may be eligible for a merchant cash advance (MCA).Payment ProcessingWinner: TieShopify would win this category if it were a competition based on sheer quantity, with its 100+ payment gateway choices overshadowing BigCommerce’s 60 or so. My verdict is based on more than these surface figures, though. Let’s take a closer look.While BigCommerce does not have an in-house processor à la Shopify Payments, it does have a special partnership with Braintree (a division of PayPal) to offer discounted processing rates at higher subscription levels. Below is a payment processing summary for online transactions (for US merchants) with each platform’s “preferred” payment system. Watch the percentages decrease in both cases:BigCommerce + Braintree$29.95/mo. Standard Plan: 2.9% + $0.30$79.95/mo. Pro Plan: 2.5% + $0.30$249.95/mo. Plus Plan: 2.2% + $0.30Shopify + Shopify Payments$29/mo. Basic Plan: 2.9% + $0.30$79/mo. Shopify Plan: 2.6% + $0.30$299/mo. Advanced Shopify Plan: 2.4% + $0.30You probably noticed that BigCommerce’s discounts with Braintree are a bit better than Shopify’s. However, Shopify Payments has a few perks that the Braintree setup doesn’t offer. For one thing, Shopify Payments also offers slightly discounted processing rates for in-person transactions on its higher level subscriptions. Secondly, processing discounts are offered in all 10 countries where Shopify Payments is available, while the special Braintree deal is only available to US-based merchants. And, Shopify Payments has additional advantages such as easier setup, fully-integrated transaction reporting, and built-in fraud protection as part of the in-house system. Shoppers can even save their shipping and payment information for expedited checkout via Shopify Pay.Now, remember that I already dinged Shopify in the main pricing battle for charging an extra transaction fee (starting at 2%) if you do not use Shopify Payments as your processor. I don’t wish to belabor that point here. Still, the problem remains that some merchants simply aren’t eligible to use Shopify Payments due to their location, products, risk level, or other factors. In other words, while Shopify Payments works really well for many merchants, it serves as a mere thorn in the side of others.If you want (or need) full freedom to pick a processor without penalty, and perhaps to even negotiate your own processing rates with a third-party provider, BigCommerce will easily secure the payment processing win in your eyes. Meanwhile, if you’re able to take advantage of the streamlined simplicity of Shopify Payments, you’ll probably wonder what all the griping is about. Thus, I’m calling this a tie.Customer Service & Technical SupportWinner: TieBoth carts offer plenty of assistance in the form of 24/7 support via phone, email, and live chat, which is already more than many ecommerce solutions can claim.BigCommerce maintains a helpful forum, resource center, and knowledgebase. While in the past I’ve seen complaints about BigCommerce’s customer service, current commenters report a much more positive experience. I’ve even seen commenters declaring that BigCommerce provides the best support they’ve ever received.Shopify’s published support materials are equally impressive and include a forum, blog, and knowledgebase. Users are divided in their opinions of Shopify’s support, but my overall impression is that its quality is quite good compared to a lot of similar platforms.At the time of this comparison, I don’t see a significant difference between the two companies in this area, so I think a tie is fair.User ReviewsWinner: ShopifyWe spent hours examining user feedback about Shopify and BigCommerce, and despite the inevitable negative reviews for both platforms, they each score very well overall across multiple review sites. Take a look at G2 Crowd’s summary of user reviews for ecommerce software as a good example:Shopify has a wider market presence and tends to receive more total feedback. You can see that in the grand scheme, both platforms are top-notch. Still, Shopify consistently has an edge over BigCommerce in user satisfaction.For Shopify, the most common accolade is for ease-of-use. I have to say that I agree–the UI really can’t get much more straightforward. Many others like the stellar themes, vast app store, and 24/7 support. Meanwhile, Shopify complaints tend to center around the expense of add-ons to obtain advanced features, or the cart’s transaction fees (remember: those fees are waived if you use Shopify Payments).BigCommerce merchants report satisfaction with the cart’s lack of extra transaction fees, as well as its robust feature set out-of-the-box. I’ve often read specific praise for its strong SEO tools, built-in marketing features, the ability to create and manage numerous product variants, and one-page checkout.While many customers report that BigCommerce is easy to use, you’ll also find more feedback that points to an intimidating learning curve for complete beginners. When I read complaints about the need for a developer, however, I like to keep in mind that it’s possible that users are trying to accomplish more complex functions with BigCommerce. At the same time, customers sometimes complain about a lack of layout control for templates, which makes sense considering there’s no native drag-and-drop tool. A few also point out that they’d like to see BigCommerce offer abandoned cart recovery at the $29.95/month level. They’ve likely noticed that Shopify now offers this important feature on its $29/month plan.As you research BigCommerce, you may also come across some complaints about the pricing structure change that happened a few years ago. Keep in mind that while these complaints are totally valid, they are voiced by a minority and are falling further into the past.SecurityWinner: BigCommerceStores built with Shopify and BigCommerce are hosted on servers that are Level 1 certified for PCI DSS, offering the highest level protection available against data breaches. Along with many other security measures in place, both platforms offer a free SSL certificate that provides site-wide HTTPs protocol to encrypt all your pages through checkout.BigCommerce comes out slightly on top for me in this category, however, because it offers more flexibility when it comes to SSL certificates. First, any BigCommerce user may purchase a specialized SSL certificate through BigCommerce if the free version doesn’t meet their needs. Secondly, beginning at the Pro subscription level, you have the option to purchase and/or transfer a third-party, custom SSL certificate that comes with additional features and domain coverage.While these certificate options won’t make a difference for most small and mid-sized sellers — both Shopify and BigCommerce do just fine on security overall — they’re worth considering for those using multiple domains and sub-domains, or sites with very specific security needs.Final VerdictWinner: ShopifyLots of ties on this one! In all honesty, most of the wins were pretty close calls as well.That said, Shopify is a tough act to beat. This cart’s ease of use, modern themes, and vast app marketplace are what make it the ecommerce solution we most commonly recommend. And while Shopify still has some room for improvement (eliminating those pesky transaction fees would be a good start), we feel confident enough in the quality of the software and service to declare Shopify the winner of this comparison.However, that doesn’t mean that BigCommerce is a bad option. In fact, BigCommerce is an excellent solution for many online merchants! BigCommerce’s rich feature set, easy-to-use admin, and plentiful payment processing options should fit the bill for many sellers.Thanks for Reading!