Dena Bank provides convenient loans under this scheme for higher studies in India and abroad. Loans are available for Graduate/Post Graduate studies/Management courses of recognised universities and technical courses of ITI Polytechnics, Computer Courses etc.

The loan is available for Indian Nationals between 15 and 25 years having sound academic career, upto 75% of the total requirements covering course fees, cost of books, Instruments, Equipments, Hostel accommodation, Passage (one way) for higher studies abroad etc.

The maximum amount of loan is Rs.3,50,000/-

The loan is repayable within 3 to 5 years in respect of higher studies in India and within 7 years in respect of higher studies abroad from the date of completion of studies. The repayment commences after 12 months from the date of completion of studies (including training period, if any) or 1 month after getting employment whichever is earlier.

Presently there is no ceiling on annual income of parent or guardian.