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What are the admission statistics for top schools in computer science, information science and computer engineering?

* CS and IT world has changed a lot. New degrees have emerged. I am going to add data from 2017/18 admission season by October 2018. Till then promote and share this answer.*Let's set your thinking first.The Grad School Statistics We Never Hadhttp://occamstypewriter.org/scurry/2017/05/16/university-rankings-are-fake-news/Academic Rankings Considered Harmful!Where you went to college doesn't matter. https://www.weforum.org/agenda/2017/06/where-you-went-to-college-doesnt-matter-this-is-why?utm_content=bufferbb6ab&utm_medium=social&utm_source=facebook.com&utm_campaign=bufferMany students start their college research with rankings. That’s all well and good. You’ve got to start somewhere. But overall there is NO ranking system, NO acceptance criteria, no matter how perfect, is going to be able to tell you what university is best for your future. Graduate program prestige is a touchy subject for many people. I recommend that students look holistically, by looking at many rankings and university prestige, cost-benefit analysis, curriculum, post graduation job status, research fit, reputation of advisers etc. Of course you’d like to attend the program with the most prestige. But what if that prestigious university you’re in love with is price gouging? What if you’ll have to set back your life plans to be able to afford tuition, never mind the cost of living?Holistic view of the ranks:Look at different sources before settling in one ranking method.Research interests, fit with the adviser and adviser's reputation in the field (I cannot stress enough how important this is to any PhD applicants. #1 priority over anything. PeriodARWU: Academic Ranking of World Universities in Computer Science - 2015 (Helpful to PhD applicants: based on citations, research, impact factor. Much better than USNEWS for science, tech, CS ranking)NSF grant: Universities Report Highest-Ever R&D Spending of $65 Billion in FY 2011 (Helpful to PhD applicants, refer Table 3; Gives you an idea about research expenditures of the school - you want to end up in a college with continuous supply of fund)National Research Council: NRC Rankings Overview: Computer Sciences (Helpful to PhDs, sort by 'Research high'. This shows the quality of research.) Page on phd.org is derived from the NRC ranking.Microsoft Research rank: Page on bit.ly (Click the link or Copy paste the link, Click the field of your research on left, In the middle pane click 'see more ' in top organizations in [your field], Choose '5 years', and then sort by 'North America' or your continents).CSrankings.org, a ranking based on top-tier publication output of CS faculty. Unlike US News and World Report's approach, which is exclusively based on surveys, this ranking is entirely metrics-based. It measures the number of publications by faculty that have appeared at the most selective conferences in each area of computer science. However , this does not capture all top conferences for a particular field , so the ranking is based only on top 3–5 conferences. So, there are flaws in rankings particularly in algorithms, systems, HCI etc. But all rankings have them. Good as a preliminary filter to find faculty working on each field at each school.And finally, USNews Computer Science . Unfortunately many applicants and early career assistant professors use it as a primary filter. Comparing schools based only on USNews rank is a common mistake by PhD applicants. Academics don't look at this ranking highly. This is the baseless , subjective, and perception based, yet most common ranking system out there. Be careful.QS University rankings: Page on topuniversities.com [The research methodology is mostly subjective based. I recommend using this only for Masters and Business programs, not for PhD). In all honesty, QS and THE rankings overvalue European universities. But no one actually cares about it.(CAUTION- academic rankings are bad) Academic Rankings Considered Harmful!Do I want a Masters or a PhD ?For those who want to go on to graduate study, the first decision is whether to pursue a master’s degree or a PhD. The master’s degree usually consists of additional coursework and will give you a stronger foundation of the same sort you had as an undergraduate. Getting a PhD. is a MUCH LONGER/MUCH HARDER commitment (often five or more years), the core of which is an independent research project leading to a doctoral dissertation, and job in academic institutions or research fields.Is it easier to get admitted as a Masters compared to a PhD?It depends how you define "easier". There is no 'yes' or 'no' answer to this. Generally speaking, all applicants should be aware that the selection process is comprehensive and rigorous for PhD admission compared to Masters since there are generally fewer slots for PhDs, and Masters slots are typically not funded (vs most PhD students being fully funded).Money and degree?Sadly in today economy the ability for a student to pay full tuition has become a factor in some admissions decisions. MBA is notoriously known for “rich gets it all”. But this has definitely been the case in CS and IT in University of California, Georgia Tech, which has seen a rise in admitted applicants. In today marketplace, more and more schools are paying great attention to full paid Masters applicants that explained why so many campuses are packed by international students. This puts deserved and talented students behind the wealthy ones.Masters programs may be easier to get into if for no other reason than because you can pay tuition. Eg, University of Southern California, Georgia Tech Masters, University of Pennsylvania, Harvard (extension schools, professional school, and few Master degrees), Dartmouth, Cornell, Stanford, CMU etc. If the question is whether or not one's ability to pay can overcome deficiencies in one's transcript, the answer is "usually" no. The college will not allow an unqualified applicant to get in, but if there are two candidates, and one is high need (smart) and the other is not (slightly less smart), all other things being equal, the full pay student may be the one getting that fat envelope. This is one of the reasons why you see more Master students than PhD students in any schools. PhD programs are more difficult to gain acceptance to because you also receive a salary, health insurance and somebody in the nebulous world of academia pays your tuition (training grants, PI's grants, fellowships etc). The bar for any PhD school is much tougher than bar for any Masters. Example, it may be equally harder or if not more, to get into a top 30–35 PhD school than Masters at a top 5–10 school. Admission is overly critical and competitive at PhD level, and being able to pay tuition has no influence in PhD admission process. Industries and Academics also look very highly of PhD candidates compared to Masters. In some sense, Masters is an advanced bachelors.To confirm my statement look at the data below.***acceptance rate does not translate to how good a school is in research. Acceptance rate is a factor how many students applied to how many slots are available. But that does show overall strength of the program. YOU be the decision maker***------------------------------------------------------------------------------------MIT EECS, MAThe admission rate of applicants to EECS at MIT is approximately 6%. They only have one application process and it is for the Master’s/PhD combined. There is no separate Master’s degree application.Acceptance Rate: 6.4% , 2778 applications and admitted 180 applicants for 2014-2015Source: Emailed [email protected], CAMS: 667 applications, 123 accepted, 92 enrolled (18.4% acceptance rate)PhD acceptance: This past year we had 692 applicants to our Ph.D. program. We accepted 71, with about 50 of them taking us up on our offer. Now 10% might not seem like terrible odds as compared with, say, getting into Stanford as an undergraduate (7% admission rate). But those 692 applicants were already a somewhat self-selected group.Acceptance Rate: 18.4% (MS), 10.26% (PhD)Source: http://cs.stanford.edu/newsletter/past-newsletters/2011(Look for admissions statistics section)Princeton, NJAcceptance: 11 % They do not have statistics for computer science alone.Source: Look at graduate admissions for school of engineering and applied science: A Princeton Profile . Also emailed at [email protected] Tech (CS/HCI/OMS), GASource: Graduate Admissions - Table 4.3Page on gatech.eduAs you can see from first link, the admission rate is around 19% - 30%.PhD in GTECH is way harder than Masters to get admission. Impossible to compare quality of applicants at these two levels.Regular Masters CS with thesis option: As you can see that GTech Masters program is not as competitive to get into (Refer to IInd link). There are 3x to 5x more Masters students than PhDs at GTech. That is a quite significant difference and should tell something about quality of PhD students vs Masters students to get into. Email source says PhD admission rate is 10%.Masters in Interactive Computing/HCI: Total applicants: 350 applicants, Admit: 100 admits, and Enrolled: 50 . Only 50% enrolled. About half of students in Interactive Computing track; the rest are divided among the Psychology, Industrial Design, and Digital Media tracks. The acceptance rate is somewhat lower in the Interactive Computing track, but not significantly. Usually unfunded admission in Masters.Acceptance rate: 28.57%Source: Emailed [email protected] Masters: They also have an online Masters in CS program with Udacity. Acceptance Rate for OMS CS: 50% - 60%[Their on-site/in-person program is ranked top 10 by USNews, NOT the online program]Source: Emailed [email protected], ILEach year the Department of Computer Science at Illinois receives around 1500 applications for the MS and PhD programs and admits around 130 recruits between the two programs.Acceptance Rate (MS + PhD combined) : 8.66%Source: Application Evaluation ProcessWisconsin-Madison, WIAcceptance Rate: 20% (MS + PhD combined)Enrollment rate: only 36%Source: http://grad.wisc.edu/education/academicprograms/profiles/229.pdfUT-Austin, TXMS/PhD: ~ 20%. Nearly the same as Wisconsin Madison (MS + PhD combined)Source: [email protected] replied back they are as close to the numbers ~15-20%.Purdue, INFor Fall 2014 we had about 1112 applications for about 82 slots. For Fall 2013 we had about 980 applications for about 54 slots.Acceptance Rate: 7.3% (MS + PhD combined)Source: https://www.cs.purdue.edu/graduate/admission/process.htmlPurdue also has a CIT (computer information technology) degree with very high acceptance rate and a late deadline. But you may be required to pay a lot as a Masters.Harvard, MAAdmits about 8%-9% of applications across their graduate programs. They do not offer admission into the masters degree in Computer Science- at this time they only admit into their PhD program.For the class of graduate students entering in Fall 2014, SEAS received more than 2000 applications across all Ph.D. and master's programs and accepted just under 10 %Source: Emailed [email protected] Mellon University, PACarnegie Mellon overall is hovering around 15-20% (MS + PhD combined). Surprised (too many CS specializations)?? However, the School of Computer Science PhD only is about 6.8% (2012 Statistics: 5071 applicants, 345 admitted, 138 enrolled)The thing you have to note is that every computing specializations within Carnegie Mellon School of Conputing has different requirements and thus different acceptance rates.The admission intake is pretty high at Masters level - a bit higher than peer schools. Is Carnegie Mellon's School of Computer Science easier to get into thancomparative programs at top tier schools?Tip:CMU Heinz is relatively very easier to get into for Information Systems degree (but does not enjoy as much reputation as CS)Few (not all) masters programs at CMU are easier to get into for no other reason than because you can pay tuition as long as you meet minimum criteria for admission.CMU has a INI school focused at information technology, networking, security and technology management. Very good job placement but you may be paying atleast USD 80k-120k for your masters without any scholarship.Penn State CS / IST, PAabout 800-1000 applications for fall semester; about 50-75 applications for spring semester. We accept about 30-50 students for fall and about 6 for spring; most of these are PHD students.Acceptance Rate: 6.25% (fall, MS + PhD combined) ; 12% springSource: Graduate Admissions and emailed [email protected] Science and Technology department: Penn State has a highly reputed interdisciplinary department- CS, Sociology, and Psychology mixed together.M.S. Program | College of Information Sciences and TechnologyUniversity of Pennsylvania CIS/CIT, PAPhD in CIS/CIT : 448 applicants to the doctoral program, 50 candidates admittedAcceptance Rate: 11.16%Masters program in CS : 752 applicants, 135 candidates admittedAcceptance Rate: 17.95%[No Aid for Masters "cash cow' masters program]Masters program in IT: 331 applicants, 58 candidates admittedAcceptance Rate: 17.52%Source for all above: Graduate Program Admissions Statistics[No Aid for Masters "cash cow' masters program]Brown University, RIPhD: 300 applications to our PhD programAcceptance Rate: 16%Masters: About 375 applicationsAcceptance Rate: 22%Source: Emailed [email protected][Masters in CS is relatively easier to get into even though it is an Ivy - a "cash cow" masters program]Cornell University, NYPhD: About 11% for the fall 2015 for both CS and iSchool eachSource: Emailed [email protected] University, NYPhD: 710 PhD applicants and 53 admits for fall 2015 Acceptance Rate: 7.46%MS: MS is relatively easier to get into, higher acceptance rate and does not have financial aid. 'cash cow' masters program.Source: Emailed admission committee at [email protected] Ann Arbor(CS/iSchool), MICS/CE: 618 PhD applications for 64 slots. Masters is higher acceptance rate.Acceptance Rate: 10.35%Source: Computer Science and EngineeringInformation Science: 8.27%Acceptance:145 PhD applications for 12 slots - 5 years averageSource: Rackham Graduate SchoolDuke University, NCPhD and MS about 17 % (As you can see the GRE and GPA criteria for Masters admission is lower than peer schools)Source: Computer Science - Duke UniversityDuke Graduate School (more statistics)Yale University, CTAdmission rate of PhD: ~20% (according to an email response) but the link below says 12%Masters: MS program is course work only and unfunded.Source: Department of Computer Science - Yale University in New Haven, CT - Graduate Program Information at Petersons.comAlso emailed cs office at Yale.University of Washington (CS/iSchool/HCDE), WACS: Over 1400 applications and admitted 150 students. Only 56 PhD students in 2014-2015 cohort. Over the past 10 years or so, the acceptance rate has been about 10%.Graduate School StatisticsEnroll rate: 33%. Typically about 1/3 of the students they admit end up comingSource: grad-admissions@cs.washington.edu---------------------------------------------------------------------------------HCDE (recently established program): For fall 2015, there were total of 86 PhD applications that admitted 7 students.PhD Acceptance rate:8.13%Master’s program received 484 applications and admitted 93 students. Acceptance rate: 19.21%Note: Heavily design and UX oriented, and prototyping based----------------------------------------------------------------------------------iSchool:Admit rate for the PhD program is normally around 15-20%Masters (MSIM) programs are less selective and does not enjoy much reputation. Their masters is a cash cow. However, their PhD is competitive.Acceptance Rate: 23% for MastersSource: Page on uw.eduUniversity of Maryland, College Park (CS/iSchool), MDAcceptance Rate: Overall about 20% of applicants are admitted, and about 1/3rd of them enrollSource: Emailed [email protected] for Prospective StudentsiSchool PhD: ~20%iSchool Masters: See below.iSchool MIM: over 600 applications and admitted just over 100 applicants: 16.66%iSchool HCIM: accepted 60 out of 111 applications, 54.4% [Easy Safety. Do not rush because of the Maryland name. Make sure you check available courses, TA/RA opportunities and industry reaction to this degree]Source: Page on umd.edu and emailed [email protected] Berkeley, CAFor EECS overall, not broken down by degree: "3100 applicants for about 100 slots". Their yield is probably high. They also say the MS CS program "admits very few students."Overall PhD and MS combined: <5%Source: Facts and figuresThey also have an interdisciplinary iSchool. Lower acceptance rate compared to their CS department due to the interdisciplinary nature and high demand of the program. Admits only 5–8 PhDs per year out of several hundred applications. Ph.D. Application InstructionsUniversity of Southern California, CAAcceptance Rate: No [email protected] responded that they do not have that statistic available.[Probably one of the easiest schools among top tiers, to get into for Masters with full pay.]University of California Davis, CAAdmission to the Graduate Group in Computer Science is highly competitive. On average, we receive over 1,000 applications for admission and generally admit the top 10%.Acceptance Rate:: ~10%Source: Prospective Graduate Students - Computer ScienceUniversity of California, Los Angeles, CAAcceptance Rate: 22%Source: Page on ucla.edu(The new data suggests acceptance is lower than this)University of California, San Diego,CAAcceptance Rate for MS: For fall 2015, 900 MS applicants, acceptance rate of 7.5%,Acceptance Rate for PhD: 375 PhD applicants with an admission percentage of 19%(Notice the higher PhD acceptance compared to Masters. This is because UCSD is a top tier research school and usually focus more on PhDs)University of California, Santa Barbara, CAAcceptance Rate: ~ 10% for PhDs. More for Masters. We receive around 400+ PhD applications per year and admit between 30-50 students. Our goal is to have roughly 20-25 students join the program each Fall.Source: Frequently Asked Questions for UCSB Graduate AdmissionsCaltech, CAAcceptance Rate: Still searchingJohns Hopkins, MDAcceptance Rate: Still searching

Why do Egyptians like the current Egyptian President, "el-Sisi"?

I don’t agree as his economic, social, political plans(if he had any ) are nothing but a complete failure:First, and most of all he overthrew the first democratically elected president of Egypt that is Dr Mohammad Morsi. This is a political atrocity, let alone his crimes against human’s rights, and human rights activists, in addition to the unprecedented number of deaths in his prisons; mysterious disappearances of youth females and males - some times from same family- among political prisoners that I feel compelled to compare it to the disturbing regime of Binoche in the Argentines.Now let’s begin;Have you ever seen a president who is the only source of law, economical procedure, or social reform, and although our country has hit the bottom he is still continuing "successfully" with his accomplishments "engazat", but only in the media and in his illusion.Have you ever seen a president, sorry a government who would give a salary that wouldn’t even cover the monthly price for bread for a family of four.( e.g: scavengers salaries).Have you ever seen a state that all its leaderships happen to be either army or ex-army pensioners, while its scientists, best students, and elites are either killed, in jails, or immigrants( the lucky ones).Have you ever seen a land rendering its youth ( 75% of Egyptians are youth under 25 years) such a message:“There is no place for you here young man, no school, no university, no medical, neither social care, and no jobs neither…..why don’t you just hit the road”Last but not least: have you ever seen a parliament and a government fight hard to convince their people that they should give away their land to whoever would buy/pay for it? Or live with the shortage of water because their neighboring country wishes to build a High Dam……damn!, I wonder where have the men gone these days!!!?if the answer is no, then for sure you realize now that your question is to be reviewed.In his last speech he asked Egyptians to have less children. Turkey’s president is asking his people to have more children , Turkey is 80000000, same size like Egypt. I am going to address El Sisi now:HAVE YOU EVER HEARD ABOUT CHINA, The Netherlands, or Indonesia?the Netherlands, and Indonesia have very high density, while the Netherlands has got no natural resources, no metals, neither oil or gas,none whatsoever, but it is progressing, and getting stronger regardless of the high density.For those who say don’t compare Egypt to other countries? Okay, you tell me what are the measures I should use for a comparison? Where does my country stand from the world, from World Economy, from Democracy, from Equality, from Integrity, from Corruption, please tell me what should I think when it comes to all these issues?.You said in one of your ‘speeches’ addressing Egyptian “ you will pay for each service you ask for, nothing is for free”, but you have never told us how are we going to pay, if our salaries are not figured out by experts like in advanced countries, there they can afford paying because it is added up in their salaries, and if so ……..may I ask what are all these taxes for?For those who say ‘you think you know better’ may be I don’t know better, but I feel better….I feel hunger, I sense injustice, and I know the following:IF ONE “KNOWS BETTER” HE SHOULD KNOW HOW TO LEAD HIS COUNTRY TO THE TOP……….Because this should be the one, and only mission of any President…….simple…isn’t it?Thank you for taking the time and effort to read my answer, I am proud of what I said, the number that read my answer and the big number of upvoters support my point of view, and proved to me I was right in venting out of my chest what I resented since president El Sisi came to power after overthrowing the elected president Dr Morsi, and demolishing the democratic process we were going through, and aspiring for.Now to be fair and subjective I started following many of his supporters, and read their comments on face book;they are three categories• countryside people who are taking low management positions; they are mostly proud Egyptians, yet feel helpless; aspiring to go up the social ladder accompanied by growing wealth that is multiplying thanks to their engagements in pro Al Sisi activities e.g making , and holding banners in favor of al Sisi, mingling and mixing with people in cafes, weddings, and various celebrations to talk in favor of the government. Those are poorly educated yet clean to the degree of naivety, and they believe he is the best for our country; they believe the official media.•The second group supporting al Sisi are Police , and army officers families, judges, and their families, Agents of Prosecutors, and their families, but why? One would ask; why? Because the president belongs to the army, and the regime relies strongly on them to secure his rule. Those groups are enjoying countless privileges for their families including sports and social clubs, free, subsidized resorts and summer holidays for their families, cheap/ subsidized meals in clubs and army force hotels, subsidized transportation, and of course very good salaries and financial incentives; same is applicable on judges, prosecutors, and members of police force for all these privileges they are sticking to their leadership.• Thirdly: Artists, journalists, who are pro Al-Sisi; their mission is to polish the president in the media, they have high income and they owe the prosperity to the regime.In figures I am submitting below some indication of the poor progress, and failure of policies according to Global Finance:Real GDP growth:-2006 2007 2008 2009 2010 2011 20126.8% 7.1% 7.2% 4.7% 5.2% 1.8% 2.2%2013 2014 2015 2016* 2017*2.1% 2.2% 4.2% 3.8% 4%GDP (PPP) - share of world total:-1980 1990 2000 2010 2017*0.67% 0.82% 0.84% 0.93% 0.9%Inflation:-2013 2014 2015 2016* 2017*6.9% 10.1% 11.0% 10.2% 18.2%Unemployment rate:-2013 2014 2015 2016* 2017*13.0% 13.4% 12.9% 12.7% 12.3%*EstimateEgypt is the 100 most competitive nation in the world out of 137 countries ranked in the 2017-2018…Iquote from Al Masry El Youm newspaper issued on sep.8, 2013."The Global Competitiveness Report for 2013-2014 issued by the World Economic Forum placed Egypt at the bottom of its report in regards to the quality of primary education"Ref:Global Finance Magazine - Egypt GDP and Economic DataEgypt Competitiveness Rank | 2007-2018 | Data | Chart | Calendar | ForecastEgypt's primary education ranks last in Global Competitiveness report - Egypt Independent

When will I get the subsidy for the education loan as per the central sector scheme of interest subsidy in education loans?

I am also a beneficiary of this scheme and hence I can answer this question very well.I have received 1,64,644 as Education loan subsidy under the CSIS.In this regard I have also submitted 4 grievances with the PMO through pgportal, so I’m writing my experience here.I was granted a loan of 3,78,000/- in the year 2013 (5000/- insurance included).Note: Insurance is not mandatory while availing loan. It's the bank who usually sell these products to make profit. I was unaware about this, hence I had to take insurance.My yearly loan disbursal amount were:2013–14: 1,24,5002014–15: 1,24,5002015–16: 1,24,500My moratorium period ranged from 2013–2017.My year wise subsidy received in terms of percentage as of 1st September,2018.Financial years— —Total percentage2013–14 ——————– 100%2014—15———————100%2015–16 ——————— 99.994075%(received 1 Rs. less)2016–17 ——————— 100%So the subsidy I have received till now is 1,64,644/- rupees only out of the total claim of 1,64,645/- rupees only.The above picture shows the amounts I have received as subsidy on the given dates. After receiving the above chart, later my loan account has been credited some amount on different dates, hence I have written that in the paper.Edit: On 17th sept, 2018 my loan account has been credited with 51,953/- which is 85.41% of 2016–17 claim. This takes my total subsidy for 2016–17 to 100%. (See the screenshot-1 below)Edit 2: On 30th march, 2019 my loan account has been credited with 16,877/- this takes my total subsidy for 2015–16 to 99.994075%. Though I received 1 rupee less I can manage with that. ^_^ This was the last pending subsidy. (See the screenshot-2 below)Screenshot-1Screenshot-2I repay an EMI of 8553/-, which gets debited from my father’s a/c in the beginning of every month.First of all, for those who have availed loan before 1st April,2016, they must go and convert their loan account under MCLR from the earlier BPLR.Let me remind you all, in last 2 years as per MCLR rate fixation, the interest rate has been drastically reduced (ofcourse because of RBI reducing repo rate and lower inflation) but my interest rate was 13.2% and after conversion it was 10% and now after change in SBI's mclr it is now 10.5%.The point to remember is that every bank has not allowed conversion of BPLR to MCLR. In my case SBI allowed conversion in August/sept 2017, even though RBI enforced it in April,2016 for new borrowers.The conversion charges are different for different banks, SBI charges Rs. 590/- of which 500/- is conversion charge and 90/-Rs. is GST (18%) for one-time only. This conversion is applicable only to borrowers who has availed loan before April 1,2016. For others who has been granted loan after April 1, 2016 their interest fixation is automatically based on MCLR.Now, everyone should know the process how your subsidy is given.Loan application to bank and approval of loan.Application for CSIS and submission of necessary documents and complete the agreement for Subsidy.Completion of 1st financial year after taking the 1st installment and opening of claim window by Ministry of HRD in Canara Bank's website.Interest claim by your bank by uploading data in Canara bank's website and sending claim documents to Canara bank.Canara bank forwards the claim to Gov't of India after scrutinizing the documents.Budgetary allocation by Gov't of India.Additional budgetary allocation by Gov't for any shortfall in funds (if needed) .Eligibility:As per the CSIS scheme an applicant is eligible for interest subsidy during his Moratorium period i.e. course period + 1year or 6month of getting job, whichever is earlier, only for his/her higher education i.e technical or professional course and that is only once, provided his course is approved by Government of India.As per the guidelines of the govt. your annual income i.e your family income from all sources shouldn't exceed 4.5 lacs.Interest incurred upto a loan amount of 10 lacs is eligible for subsidy. Interest charged upon loan amount above 10 lacs is not subsidized and should be borne by the aplicant.Application for CSIS:If you're eligible then the only thing you need to do is that- you must submit the income certificate of self or Parents approved by the proper authority to the bank and some other formalities like signing an agreement with the bank (if needed). Other than this you don't have to do anything else. If you have done this much then you can check whether your bank has submitted claim regarding this or not in the given linksAs per the guidelines available in Canara bank's website you need to submit the income certificate only once, that is during the 1st year of your loan disbursal.This is such an agreement for Subsidy by IDBI bank (most bank has such agreements) . I couldn't find the agreement for SBI hence I uploaded this for your reference. You should ask the bank for any such agreement after submitting income certificate.#Remember, even if it is bank's responsibility to do all the chores towards Subsidy. It is also your duty yo see if any other formalities is missed.Subsidy::Enquiry (For applicants after 2013–14 financial year)https://canarabankcsis.in/CSIS_Old_Data_Enquiry/ (For applicants before 2013–14 financial year)The above link will take you to the Nodal bank appointed by the Govt of India i.e. Canara bank.There you will find whether your concerned bank has claimed subsidy and forwarded your documents to Canara bank for approval of your subsidy or not, if, yes, then how much amount You can find all these data from the above links. If your bank has not done any of the above procedures during the given period then your data will not be reflected in Canara Bank's website. Please read below to find the screenshot of claims under my name.Moratorium period :Moratorium period- It is the duration of course + maximum of 1 year or 6 months after getting job, whichever is earlier.First thing, you should know that during your moratorium period, your bank claims for the interest incurred during each financial year separately. For that, the Govt of India opens a window to claim the subsidy and during that period only (around 30 days to 90 days) your bank can claim for your subsidy.Example:If you take a loan for a graduation course of 3 years and you availed the loan for all 3 years then your moratorium period will be 3 years + maximum 1 year ( if you didn't get job within 1 year) or 6 months after getting job ( if you get a job as soon as you completed your course, then after completion of 6 months in job your repayment will start)Interest calculations and claim of subsidy:During moratorium period simple interest is charged on your account.The interest incurred by you in a financial year will be claimed in the next year after opening of claim window.It is the sole responsibility of your bank to claim the subsidy, update the data in Canara bank's website and forward all the documents to Canara bank.Example:Suppose in April 2017 you availed a loan of 4 lacs for a 4 years course, and you availed the 1st installment which is for your 1st year i.e 1 lacs Rupees in April 2017 itself, and your interest rate is 10%.Then the whole interest incurred by you in 2017–18 will be 10,000 rupees. Now this amount will be claimed by your bank to the govt through the nodal bank i.e. canara bank in the year 2018. The claim window is opened mostly after August. Hence your 2017 claim will be made in August-2018.The above picture is of the claims made by SBI under my loan account.It means your bank claims the subsidy after the completion of the financial year onlyThen Canara bank submits the whole claims to the Govt. of India. After that, as per the govt. provision and budgetary allocation for subsidy, the govt. disburses the amount to the respective accounts.The point to note here is that if, the claims are for 1000 crores but the Budgetary allocations are for only 500 crores, then the govt. provides 50% of the claims at once and again make provisions for additional budget for 500 crores. This is where it takes too long to get the subsidy.The above reply from Canara bank towards a grievance filed by one of my friend clearly states that “Ministry of HRD, Govt. of India has since modified the claim settling procedure. As per new procedure, the subsidy will be settled for the moratorium ended loan accounts on priority basis.”Hence, as per new guidelines Subsidy is settled only after moratorium period is over.You can also get your Subsidy in your savings account even after closing your loan account If any part of Subsidy is pending with the bank. The above reply (4th point) isfrom SBI,Burla branch to my another friend who had closed her loan account but she had not received part of her Subsidy. Last time I talked with her She had received all her pending Subsidy in her savings account.Grievances:If you find that your bank has not submitted your claim then,First, ask your bank officials to do the needful. If you don't get satisfactory reply, then go to step 2.you can register your grievance on your Bank's website, every bank has it's own grievance redressal system. If your grievance still persists, then go to step 3.You can file your grievances in PG Portal in the link given below https://pgportal.gov.in . This directly reports to the PMO and they are very responsive.For SBI, the grievance page is known as SBI CMS and the link is ::CMS:: .Or go to PG portal -> public grievance -> mark the box to agree and proceed -> in the form Financial service banking division or HRD ministrySupplementary claims:For those persons whose interest hasn't been claimed by the bank or claimed but in irregular period or if any yearly claim has been missed, then for that period your bank can claim it as per the “Supplementary claim” provisions.This process is done during the same window period which is opened every year for regular claim.The above picture is a proof of supplementary claims, the picture is not mine. Supplementary claims are made during the regular claim period but as per my knowledge this has been stopped since 2015.FAQs (Frequently asked questions):If your Bank is unaware about the procedures to apply for CSIS then ask your bank official to visit the following link “ CSIS-FAQ ” this link will take you to canara bank's website and will answer all your queries related to CSIS.Some random suggestions:Remind you again, please convert your interest rate calculation method to MCLR or RLLR.Check your status on the Canara bank’s website in the link that I have provided above and for any other grievances write down to your bank or in the PG portal.Let other people know about this scheme.Hope it helps. Thanks for your patience.Do share and aware others, if you liked it.Message me personally for any other query.~Trilochan

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