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| EDUCATION TRIBUNE | Tuesday, January 29, 2002, Chandigarh, India |
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VIEWPOINT Loans for students by PSBs |
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VIEWPOINT H.J. Bhabha, father of Indian nuclear age, was a
first-rate astrologer and he spared no available book on the subject
to enrich his astrological knowledge and sharpen his own skills. India
enjoyed the unique distinction of being scientific in outlook and
perfection in the fields of medicine, surgery, astronomy, astrology,
physics, chemistry, mathematics, statistics and the like. Susurat,
Charak, Kanad, Patanjali, Aryabhatta, Varahmir, Brahmgupta, Nagarjuna
and Bhaskar being experts in their fields were first-rate propounders
and interpreters of astronomy astrology. When we are borrowing,
appreciating and researching into their professional fields, at the
official and university level, why ignore this field? Many professors,
doctors, engineers, scientists, bureaucrats, jurists, technocrats,
journalists, irrespective of their faith, are practicing astrology.
Their clients include politicians, rulers diplomats and the
masses. When astrology has made such deep inroads into our lives, why
feign of "modern outlook" as if the faith in the study of
astrology, a perfect science is, "crude, obsolete and
trash". This is a proven fact that as everyone can’t be perfect
in his field, so all practitioners are not. In reality many
"half-filled pitchers" rather a majority of them, have come
to dot the astrological landscape. Thus, the subject must be taught,
pursued and researched with all seriousness with the help of the
revolution so that it flourishes in the real sense and weeds
automatically get eliminated. Our poor and ignorant masses who fall
prey to the whims and greed of wayside astrologers shall be properly
guided by real scholars, trained in universities, institutes and
centres of excellence. Hence, the hue and cry on the introduction of
astrology is uncalled for. University stands for universalism. Hence,
anything seen, observed and practiced anywhere can legitimately enter
the multi-disciplinary curriculum. Saffron is a colour of our
national pride, national wisdom, national valour and everything
Indian. In case Joshi is saffronising education in the right spirit,
we should be proud of it. Let historians from different hues sit
together over the contentious historical events and take a unanimous
decision, after foolproof research on those issues, forgetting their
religious, socio-cultural and party affiliations. |
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Loans for students by PSBs BANKS in India (here I mean public sector
banks) have to lend minimum 40% of their total credit outflow to the
priority sector. A public sector bank (PSB) has to finance the
priority sector to the extent of 40% or more of its total advances.
What is the priority sector? Till a few years back, the sector
consisted of agriculture, small-scale industries, small business (i.e.
retail trader, transport operators, professionals and self-employed,
business enterprises with some ceiling). Personal segment advances
did not come under the sector. But now housing loans and education
loans have also been made part of the priority sector advances in
order to induce banks to finance housing and education. Housing loans
have been in vogue for quite some time now. But education loans are
yet to pick up. Banks had been half-hearted in giving finance to
education. Nor was there much demand. Education used to be cheap and
highly-subsidised. But the scenario is changing now. Education is
becoming expensive, unaffordable, especially technical/professional
education. Going abroad for studies is well beyond the reach of most.
Need not worry now. The PSBs, especially the State Bank of India
(SBI), have hit the market with liberal schemes for financing
education at the behest of the Reserve Bank of India. Here all some
attractive features of education loans, for studies in India and
abroad offered by the State Bank of India — a bank with a network of
more than 9000 branches: (i) Bank will not insist upon any
collateral, third party guarantee for loans upto Rs 4 lakh. (ii) Bank
does not charge any processing fee. (iii) The rate of interest on
education loans is the minimum rate i.e. bank’s prime lending rate
(which at present is 12% per annum). (iv) The repayment of loan
begins a year after you have completed the course or six months after
you have got the job, whichever is earlier. The loan is to be repaid
in 5-7 years after commencement of repayment. (v) There is a rebate
on interest rate if the interest is serviced during the span of your
studies i.e. during repayment holiday. What is more, interest will be
applied on simple basis during the moratorium period. (vi) Earning
parent becomes a co-borrower along with the borrower student. (vii)
All courses offered by recognised and bona fide institutions are
eligible for finance. (viii) There is no margin requirement for loans
upto Rs 4 lakh. It means the bank will meet out 100% of your expenses
towards tuition fee, hostel fee, expenses on books, equipment, even
travelling. (ix) Financial powers for sanction of education loans
have been delegated liberally to branch functionaries to ensure fast
delivery. Of course, the sanction of loan will depend upon repayment
capacity of the loan applicants. There is no security requirement
and no margin requirement for loans up to Rs 4 lakh. |
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CAREER QUERIES HOTLINE Q I will be completing B.Com this year. After this, I would like to take the Bank Probationary Officer’s exam. Could you please tell me about the selection procedure?
Surinder Sharma A Till recently, nationalised banks used to recruit Bank Probationary Officers (POs) through a written test and interview conducted by the Banking Service Recruitment Board (BSRB). However, the centralised Bank PO Exam has now been discontinued. Henceforth, banks will conduct their own exams as per their requirements depending on the kind of staff they require. For instance, the Central Recruitment Department (State Bank Group) will now conduct recruitment for SBI and its Associate Banks for POs (the notification has just been issued in the papers), Specialist Officers and Clerical grade staff. Similarly other banks like the Corporate Bank have already begun to issue their own recruitment ads (see Employment News Dec 29 - Jan 4). PHYSICAL EDUCATION Q I am a class X student keen on taking up physical education as a career. Please advice. Gyanendra Kapoor A Sports has emerged as viable and fulfilling career option today. Just look at the mega sponsorship bucks that some of the popular sports enjoy, and the popularity of sports channels on TV! For taking up physical education as a career you must preferably undergo professional training - at least up to the Bachelor’s level. If you are really keen, you can even opt for physical education as one of your electives at the 10+2 level. Joining the NCC would also help as it will gear you physically and mentally for this line. There are a number of institutes offering courses at the undergraduate level. Amongst the more reputed are the Netaji Subhash National Institute of Sports, Patiala, the Lakshmibai National College of Physical Education, Gwalior and the Indira Gandhi Institute of Physical Education & Sports Sciences, New Delhi. While there are a large number of institutes offering such courses, it is important that you check their infrastructure and track record before you enroll. Besides working as physical education instructors in schools and colleges, increased sports awareness and funding, has spawned the need for professional coaches and personal instructors in health clubs, gyms and sports associations. Sports journalism, sports casting, sports photography, sports medicine, sports nutrition and sports management are some of the other options that you could look at. In fact, there is an abysmal lack of qualified physical education instructors and the demand is only likely to increase in the coming years.
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Admission deadline Medicine Feb 5 Jawaharlal Instt of Postgrad Medical Education & Research (JIPMER), Pondicherry 605006. MD (Gen Med/Obst & Gynaecol/Pathol/Microbiol/ Physiol/ Pharmacol/Paediatrics/ Radio-Diagn/Anaesthesiol/Derm, Vene & Lep /Biochem/Community Med/Psychiatry/TB & RD) MS (Gen Surg/Orthopaed/ Ophthalmol/ENT/Anatomy) DCH, Dortho, DO, DMRD, DLep Selectn: Entrance Exam (17 Mar). Appln F: Send Rs 400/- by DD favouring "Accounts Officer, JIPMER" drawn on Bank of Baroda, Pondicherry Branch with a stamped (Rs 33/-), self-add envelope (30 cm x 22 cm), to the Dean, at the above add by 17 Jan. Details: Employment News (29 Dec - 4 Jan). March 04 Banaras Hindu University, Institute of Medical Sciences, Varanasi 221005. Website: www.bhu.ac.in MBBS BAMS Elig: 10+2 (PCB & Eng, 50%). Age: 17-25 yrs (31 Dec). Selectn: For MBBS: PMT (4 June) at Ch ‘nai, Del, Kol & V ‘nasi. For BAMS: Written test (16 June) at V ‘nasi. Appln F: Send Rs 550/- by crossed DD favouring "Director, Institute of Medical Sciences, BHU" drawn on at SBI (code: 0211), Varanasi with 2 self-add slips (10 cm x 6 cm) to the Director by 16 Feb, at the above add. Superscribe "Request for appln for PMT or BAMS Entrance test 2002, BHU" on envelope. Separate appln form for each course. March 20 Mahatma Gandhi Institute of Medical Sciences, PO Sevagram, Wardha 442102 (Mah). MBBS (2002-03) Elig: 10+2 (PCB, 50% & Eng). Selectn: Entrance Exam (21 April) at Nagpur, New Del, H ‘bad & Mumbai. Appln F: Send Rs 800/- by MO only favouring "Dean, Mahatma Gandhi Institute of Medical Sciences Sevagram, District Wardha 442102" to the Dean, at the above add. REC Feb 15 Regional Engineering College, Tiruchirappalli 620015 (TN). Ph: (0431) 500061-65 Website: www.rect.edu 1) MBA 2) MCA Elig: For 1: Bachelor’s/PG degree. For 2: Bachelor’s degree (60%) with Maths/Stats as main/ancillary subjs. Selectn: For 1: Entrance Test, GD & Interview. For 2: Entrance Test (24 Feb for both). Appln F: Send Rs 700/- by crossed DD favouring "Principal, Regional Engineering College, Tiruchirappalli" drawn on SBI (code: 1617), Tiruchirappalli, to the Coordinator - MBA/MCA Admissions Dean (Acad Prog), at the above add. Details: Employment News 29 Dec - 4 Jan. Mar 8 School of Medical Science & Technology, Indian Institute of Technology, Kharagpur 721302 Masters in Medical Sc & Tech (3-yr) Elig: MBBS (60% agg) with Maths at +2 level. Assistantship: Rs. 10,000/- pm. Selectn: Written Test (7 Apr) at 7 centres incldg Del, & B 'lore. Appln F: Send Rs 1000/- by DD favouring "IIT, Kharagpur" payable at Kharagpur to the Chairman, GATE, IIT, Kharagpur 721302 by 25 Feb. At designated Canara Bank Branches (incldg SCO 117-119, Sec 17-C, Ch 'grh): Rs 1000/- (cash). Details: Employment News (19-25 Jan). Schools The Scindia School, Fort, Gwalior 474008 (MP). Website: www.scindia.edu Scholarship Admission Test-2002 (for Class VI, VII & VIII) Elig: Boys between 11-13 yrs of age (on 1 Jan). Test: 6 April at Del, Kolkata, L ‘know, Mumbai & Gwalior. Appln F: Send Rs 750/- by DD favouring "Principal, The Scindia School" payable at Gwalior, to the above add or download from website. Armed Forces Feb 20 Indian Air Force, PO Bag No 001, DHQ PO, New Delhi 110011 Website: www. careerairforce. nic.in Recruitment of Women Pilots (SSC) Elig: Unmarried, female, Indian citizens (dob: 2 Jan '80 - 1 Jan '84 relaxed by 2 yrs for CPL holders) with Bachelor's degree (Maths & Phys at 10+2)/BE. Selectn: PABT, Personality Tests and Medical Exam. Appln F: Send in prescribed format by Ordinary Post along with 2 self-add, stamped (Rs 8/-) envelope to the above add. Details: Employment News (19-25 Jan)/Website. Civil Services Feb 18 Union Public Service Commission, Dholpur House, New Delhi 110001 Website: www.upsc.gov.in Engineering Services Exam, 2002 (Civil/Mech/Elect/Electron & Telecomm Engg) Elig: Engg degree or equiv/MSc or equiv with Wireless Comm, Electron, Radio Phys or Radio Engg. Age: 21-30 yrs (on 8 Aug '02). Exam: 15 June at various centres. Appln F: Available at designated HPOs/POs all over India: Rs.20/- (cash). Details: Employment News (19-25 Jan). CET Mar 15 Common Entrance Test Cell, Opp Aranya Bhavan, Sampige Rd, 18th Cross, Malleshwaram, Bangalore 560003 Ph: (080) 3319082 Website: www.kar.nic.in/cet Common Entrance Test (For MBBS/ BDS/ BE/BTech /BArch) Elig: For Engg Courses: Class 12 (PCM, 50% & Eng). For Med/Dental Courses: Class 12 (PCB, 50% & Eng). Exam: 9 & 10 May. Appln F: Send request in prescribed format with Rs 550/- by DD favouring "The Special Officer, CET Cell, Bangalore" payable at B 'lore and a self-add envelope (25 cm x 30 cm) to the Special Officer at the above add by 15 Feb. Superscribe "Request for Brochure" on envelope. Details: Website. Computers Apr 6 Dhirubhai Ambani Institute of Information & Communication Technology, Gandhinagar (Guj) Website: www.da-iict.org 4-yr Prog in Info & Comm Tech Elig: 10+2 (PCM). Age: DoB: On or after 1 Oct '77. Selectn: National Entrance Test (12 May) at 32 centres incldg Amritsar, B 'lore & Ch 'grh. Appln F: Send Rs 600/- by DD favouring "Educational Consultants India Limited" payable at New Delhi to The Project Manager (DA-IICT), Ed.CIL, 18-A, Sec 16-A, Noida 201301 (UP) by 30 Mar. Write your name and complete mailing add on back of DD. At designated Canara Bank Branches (incldg Sec 17-C, Ch 'grh): Rs 600/- (cash). Details: See Website. Engineering Apr 30 Sant Longowal Institute of Engineering & Technology, Longowal, Distt Sangrur 148106 (Pb) Ph: (0167) 3283609 Website: www.sliet.org SLIET Entrance Test (SET-20002) For 1) Certificate Courses, 2) Diploma (2-yr), Degree (3-yr) Elig: For 1: Class 10. For 2: Class 12. For 3: Dip-holders. Test: 8-9 Jun '02. Appln F: Send Rs 350/- by DD favouring "Director, SLIET" payable at Longowal to the above add. At campus: Rs 325/- (cash). Details: Employment News (12-18 Jan). Hotel Management Feb 20 National Council for Hotel Management & Catering Technology, Library Avenue, Pusa Complex, New Delhi 110012 Ph: (011) 5782799, 2744 e-mail: nchm@vsnl.com Joint Entrance Exam-2002 For Diploma in Hotel Mgt & Catering Tech (3-yr) Elig: 10+2 (with Eng). Exam: 28 April. Appln F: Send Rs 150/- by DD favouring "National Council for Hotel Management & Catering Technology" payable at New Delhi to the JEE Cell at the above add. Also available at IHMs (incldg Sec 42-D. Ch 'grh) or Food Craft Instts (incldg Sec 42-D, Ch 'grh) or designated Syndicate Bank Branches (incldg SCO, 66-67, Sec 17-B, Bank Square, Ch 'grh): Rs 100/- (cash). Details: Employment News (19-25 Jan). Law Feb 15 RLEK Human Rights Centre, 68/1, Suryalok Colony, Rajpur Rd, Dehradun 248001 (UA) Ph: (0135) 745539, 746071 Website: www.rlek.org PG Dip in Human Rights (1-yr) Elig: Bachelor's degree (55%). Appln F: Send Rs 200/- by DD favouring "Rural Litigation & Entitlement Kendra" payable at Dehradun with stamped, self-add envelope (8" x 10") to the above add. Research Feb 19 Tata Institute of Fundamental Research, Homi Bhabha Rd, Colaba, Mumbai 400005 Ph: (022) 2152971 Website: www.tifr.res.in/~gsch Visiting Students Research Programme 2002 (8 weeks) (At SNS and STCS, Mumbai & National Centre for Radio Astrophys, Pune/Ooty) Elig: Pre-final year (completion in 2003) students of MSc/BTech/BE. Appln F: Send stamped (Rs 9/-), self-add envelope (25 cm x 17 cm) to the Establishment Officer at the above add or download from website. Superscribe VSRP-2002 on envelope. Details: Website or prospectus. Scholarships Feb 15 M/o HRD, D/o Secondary & Hr Educn, External scholarship Div, ES-1 Section A.1/W.3 Curzon Rd Barracks, K G Marg, New Delhi 110001 Irish Govt Fellowship - 2002 1. MSc (Environ Resource mgt) 2. MSc (Community Health) 3. Masters in Development Studies 4. Higher Dip (Remedial & Special Educn) Appln F: Employment News (19-25 Jan). Apr 15 Inlaks Foundation, PO Box 2108, Delhi 110007 Inlaks Scholarships (For Proj or Study in any subject in Europe, UK or USA) Elig: Resident Indians with Bachelor's degree. Age: 22-30 yrs. Prior admission to course of study. Appln F: Send stamped (Rs 6/-), self-add envelope (10 cm x 23 cm) to the above add. Mar 28 KC Mahindra Education Trust, Cecil Court, 3rd Fl, Mahakavi Bhusan Marg, Mumbai 400001 KC Mahindra Scholarships for PG Studies Abroad (For Engg/Natural Sc/Humanities/Med/Busi Mgt/Military, Naval & Aviation Sc) Elig: Bachelor's degree (Ist div)/equiv Dip. Applied for courses in reputed foreign univs (Sep '02 - Feb '03). Final yr degree/dip students also elig. Scholarship: Rs 95,000/- (Max). Appln F: Send preliminary appln with stamped (Rs 4/-), self-add envelope (25 cms x 18 cms) to the Managing Trustee at the above add by 28 Feb. Teaching & Education Feb 28 Kendriya Hindi Sansthan, Hindi Sansthan Marg, Agra 282005 (UP) Hindi Teachers Training Course (1-yr) Hindi Shikshan - Nisnnat (MEd)/Parangat (BEd)/Praveen (Teachers Trng Cert) Elig: In service, untrained Hindi Teachers in non-Hindi speaking states. Appln F: Send Rs 20/- by DD favouring "Secretary, Kendriya Hindi Shikshan Mandal, Agra" with stamped (Rs 25/-), self-add (25 cms x 15 cms) by 28 Feb to the above add.  |
