Faq's

There is no need to give separate options for Supernumerary quota seats. While allotting the seats the software will Consider Supernumerary quota seats first for allotment if seats are available and if the candidate is eligible for it.

If the parental annual income is less than income prescribed by the Government for Supernumerary quota seats, then such candidate has to produce the Income Certificate issued by the jurisdictional Tahasildar which should be submitted at the time of verification of documents in order to become eligible for allotment of Supernumerary Quota seats. These seats will be allotted in the order of merit and options entered by the candidate.

Seats up to maximum of 5% of sanctioned intake per course in each college approved by Competent Authority will be offered as Supernumerary seats. The software is designed in such a manner that while considering the options entered by the candidate for allotment, the priority in engineering options will be considered first against the Supernumerary Quota seats if seats are available in the order of merit as per candidate’s eligibility

•You need to be a Indian resident

•You should be aged between 16 – 35 years.

•If you are taking a loan of more than Rs. 7.5 Lakh, a collateral security will be required.

•Co-applicant: A co-applicant is mandatory for all full time programs. Co-applicant could be Parent/ Guardian or Spouse (if married) / Parent-in-law (if married).

Check out more details on eligibility and courses on offer in our FAQ section.

Here is an exhaustive list of documents that you will need for the Education Loan.

Category Applicant (Student)
Academic Institute Admission Letter with Fee break-up
  SSC,HSC,Graduation Marksheets
KYC(Know Your Customer) Age Proof
  Signature Proof
  Identity Proof
  Residence Proof
Income Documents Salaried
  Latest 2 Salary Slips carrying date of joining details
  Latest 6 Months Bank Statement of the Salary Account.
  Self Employed
  Last 2 Year ITR with Computation of Income
  Last 2 Years Audited Balance Sheet
  Last 6 Months Bank Statement
  Proof of Turnover (Latest Sales / Service Tax Return)
  Self Employed – Professional
  Last 2 Year ITR with Computation of Income
  Last 2 Years Audited Balance Sheet / P& L
  Last 6 Months Bank Statement
  Proof of Qualification
Others Completed Application Form
  Latest Photograph (Signed Across)
Documentation ( Post Sanction )
Is there any documentation required post the sanction of the loan?
Category Applicant ( Student )
Loan Agreement Completed Loan Agreement to be Signed by Applicant and Co-applicant *
Repayment Instructions
PDCs / ECS or SI Mandate
3 Security PDCs in case of ECS and SI mode of repayment
* Stamp duty to be paid by the customer as per the relevant state laws.

Here are the documents you need to submit for subsequent disbursements:

  • Subsequent Disbursement Request Letter From Applicant and Co-Applicant/s
  • University Fee Demand Letter
  • Applicant’s Academic Progress Report (Previous Semester)
  • Revised Repayment Instructions – PDCs / ECS / SI plus 3 security PDCs in case of ECS and SI mode of repayment.

e-mail eduloan[at]hdfcbank[dot]com

After successfully completing 12th or equivalent examination, the most important and difficult task for the students is to select a right college. Most of the students fail to choose right college due to lack of information on the various colleges available and the courses they offer. Since higher education is an investment of your time and money, you should make sure that the college you choose meets your needs and will help you to achieve your career goals. Here are few steps to follow

1. Fix your goal Before finding the right college, you should take firm decision on what you would like to become. To choose the right course, you should first know about the options available (eg. Engineering, Medical, Dental, Ayurveda, etc…) and should compare that with your interest. Before taking your decision, know in detail about the course you would like to choose and its scope in private & public sectors. Do not compromise in selecting the right course. If you are having interest on multiple courses, classify that based on the priority.

2. Find the colleges available After selecting the course which you would like to pursue, find out all the available colleges that offer your course.

3. Consider the characteristics When considering a college, look at the different characteristic a. College Type There are 3 types of colleges under CET – 2014 i.e., Government college, Private Aided college & Private Unaided college. The course fee differs based on the college type. b. Affiliation Few colleges are affiliated to universities and few are deemed. c. Single gender or Coed d. Location (Urban, Suburban, small town or rural) e. Distance from home f. Courses offered g. Total & CET Intake h. VTU Ranks obtained in previous academic year i. Placements (No. of companies visited, No. of students got placed & Average placement scale) j. Faculties k. Academic rigor (how challenging the classes are) l. Amenities m. Scope for extracurricular activities n. Admission fees o. Financial aid Decide which characteristics are most important to you. Maybe it’s important to stay close to home, which will narrow your search. Maybe you have a very specific area of interest and you only want colleges that specialize in that field. Perhaps you want a large school whose strength lies in its diversity.

4. Gather Information about the colleges you are considering After considering the characteristics which are important to you, list out the colleges which has those characteristics. You can get information from college websites, but the best way to gather first hand information about those colleges is to contact the alumni of those colleges or the students who are pursuing your interested course in those colleges. This can be easily done through college groups and pages available in social networking sites.

5. Divide your college into categories You need to divide your college choices into three categories based upon the previous year cutoff ranks. First category colleges are your top-choice colleges but also those that are most difficult to get into. Your second category colleges are those that you have a reasonable chance of getting into and ones you would be happy to attend. Your third category colleges are your “safety colleges”—those colleges that you will definitely get into.

6. List out colleges in option entry The final step is to list out the colleges in priority wise in the CET Option Entry. First you mention first category colleges, then second and third category colleges. By this you will be getting better college even in the worst case.

The Supernumerary Quota has been introduced in all Engineering Colleges for the year 2014-15. 5% of the seats in each college and in each course will be reserved as Supernumerary Quota. This quota is over and above the seat matrix issued by the Government. For Example, if there are 120 seats in Computer Science in a particular college, the Supernumerary quota for Computer Science in that particular college will be 6 seats. Therefore the total intake in that college for computer science will be 126. The tuition fee prescribed by the Government in that particular college will be waived off. The candidate has to pay the other fees only. This Supernumerary quota is not available for Architecture Course. All candidates including General Merit are eligible for allotment of seats under Supernumerary quota.

If the parental annual income is less than income prescribed by the Government for Supernumerary quota seats, then such candidate has to produce the Income Certificate issued by the jurisdictional Tahasildar which should be submitted at the time of verification of documents in order to become eligible for allotment of Supernumerary Quota seats. These seats will be allotted in the order of merit and options entered by the candidate.

Seats up to maximum of 5% of sanctioned intake per course in each college approved by Competent Authority will be offered as Supernumerary seats. The software is designed in such a manner that while considering the options entered by the candidate for allotment, the priority in engineering options will be considered first against the Supernumerary Quota seats if seats are available in the order of merit as per candidate’s eligibility

There is no need to give separate options for Supernumerary quota seats. While allotting the seats the software will Consider Supernumerary quota seats first for allotment if seats are available and if the candidate is eligible for it.

The Supernumerary Quota has been introduced in all Engineering Colleges for the year 2014-15. 5% of the seats in each college and in each course will be reserved as Supernumerary Quota. This quota is over and above the seat matrix issued by the Government. For Example, if there are 120 seats in Computer Science in a particular college, the Supernumerary quota for Computer Science in that particular college will be 6 seats. Therefore the total intake in that college for computer science will be 126. The tuition fee prescribed by the Government in that particular college will be waived off. The candidate has to pay the other fees only. This Supernumerary quota is not available for Architecture Course. All candidates including General Merit are eligible for allotment of seats under Supernumerary quota.

After successfully completing 12th or equivalent examination, the most important and difficult task for the students is to select a right college. Most of the students fail to choose right college due to lack of information on the various colleges available and the courses they offer. Since higher education is an investment of your time and money, you should make sure that the college you choose meets your needs and will help you to achieve your career goals. Here are few steps to follow

1. Fix your goal Before finding the right college, you should take firm decision on what you would like to become. To choose the right course, you should first know about the options available (eg. Engineering, Medical, Dental, Ayurveda, etc…) and should compare that with your interest. Before taking your decision, know in detail about the course you would like to choose and its scope in private & public sectors. Do not compromise in selecting the right course. If you are having interest on multiple courses, classify that based on the priority.

2. Find the colleges available After selecting the course which you would like to pursue, find out all the available colleges that offer your course.

3. Consider the characteristics When considering a college, look at the different characteristic a. College Type There are 3 types of colleges under CET – 2014 i.e., Government college, Private Aided college & Private Unaided college. The course fee differs based on the college type. b. Affiliation Few colleges are affiliated to universities and few are deemed. c. Single gender or Coed d. Location (Urban, Suburban, small town or rural) e. Distance from home f. Courses offered g. Total & CET Intake h. VTU Ranks obtained in previous academic year i. Placements (No. of companies visited, No. of students got placed & Average placement scale) j. Faculties k. Academic rigor (how challenging the classes are) l. Amenities m. Scope for extracurricular activities n. Admission fees o. Financial aid Decide which characteristics are most important to you. Maybe it’s important to stay close to home, which will narrow your search. Maybe you have a very specific area of interest and you only want colleges that specialize in that field. Perhaps you want a large school whose strength lies in its diversity.

4. Gather Information about the colleges you are considering After considering the characteristics which are important to you, list out the colleges which has those characteristics. You can get information from college websites, but the best way to gather first hand information about those colleges is to contact the alumni of those colleges or the students who are pursuing your interested course in those colleges. This can be easily done through college groups and pages available in social networking sites.

5. Divide your college into categories You need to divide your college choices into three categories based upon the previous year cutoff ranks. First category colleges are your top-choice colleges but also those that are most difficult to get into. Your second category colleges are those that you have a reasonable chance of getting into and ones you would be happy to attend. Your third category colleges are your “safety colleges”—those colleges that you will definitely get into.

6. List out colleges in option entry The final step is to list out the colleges in priority wise in the CET Option Entry. First you mention first category colleges, then second and third category colleges. By this you will be getting better college even in the worst case.

•You need to be a Indian resident

•You should be aged between 16 – 35 years.

•If you are taking a loan of more than Rs. 7.5 Lakh, a collateral security will be required.

•Co-applicant: A co-applicant is mandatory for all full time programs. Co-applicant could be Parent/ Guardian or Spouse (if married) / Parent-in-law (if married).

Check out more details on eligibility and courses on offer in our FAQ section.

Here is an exhaustive list of documents that you will need for the Education Loan.

Category Applicant (Student)
Academic Institute Admission Letter with Fee break-up
  SSC,HSC,Graduation Marksheets
KYC(Know Your Customer) Age Proof
  Signature Proof
  Identity Proof
  Residence Proof
Income Documents Salaried
  Latest 2 Salary Slips carrying date of joining details
  Latest 6 Months Bank Statement of the Salary Account.
  Self Employed
  Last 2 Year ITR with Computation of Income
  Last 2 Years Audited Balance Sheet
  Last 6 Months Bank Statement
  Proof of Turnover (Latest Sales / Service Tax Return)
  Self Employed – Professional
  Last 2 Year ITR with Computation of Income
  Last 2 Years Audited Balance Sheet / P& L
  Last 6 Months Bank Statement
  Proof of Qualification
Others Completed Application Form
  Latest Photograph (Signed Across)
Documentation ( Post Sanction )
Is there any documentation required post the sanction of the loan?
Category Applicant ( Student )
Loan Agreement Completed Loan Agreement to be Signed by Applicant and Co-applicant *
Repayment Instructions
PDCs / ECS or SI Mandate
3 Security PDCs in case of ECS and SI mode of repayment
* Stamp duty to be paid by the customer as per the relevant state laws.

Here are the documents you need to submit for subsequent disbursements:

  • Subsequent Disbursement Request Letter From Applicant and Co-Applicant/s
  • University Fee Demand Letter
  • Applicant’s Academic Progress Report (Previous Semester)
  • Revised Repayment Instructions – PDCs / ECS / SI plus 3 security PDCs in case of ECS and SI mode of repayment.

e-mail eduloan[at]hdfcbank[dot]com