Hi,
My
name is Sumit Hardia; I live in Indore and am working in an SEO company in
Indore only. I did engineering from Venkateshwar Institute of Technology,
Indore during the years 2007 to 2011. I paid my college fees by the help of
education loans provided by State Bank of India.
I
took an education loan of 1.42 lakhs and my total loan amount has reached 1.72
lakhs,I have paid 35000 thousand during my engineering ,I used to pay Rs. 3000
per month and I promised them that I will pay Rs. 4,500 every month soon. One
day they called me and asked me to come to the Bank for a talk. When I reached
their, they did not even told me to sit and asked me to pay Rs. 8500 per month
for the loan.
I
have witnessed an SBI loan in my city and that too in my neighborhood where
there was a car loan for 3.90 lakhs and the bank asked for 6500 per month.
Now
what I do not understand is the banking system which asks an individual to
clear his loans. A person buying a vehicle is obviously an employed person and
can pay higher amount of monthly installment, where as a student seeking
education loan, may have many problems while repaying his debts. If they are
asking people to clear their debts, they must ask relatively to each of their
customers.
I
don’t understand how a bachelor degree holder will be a more capable of paying
his debts than an employed person, who is capable of buying a vehicle. The
banking system should work on these little details or else just stop doing
favors for students with needs because later, they really has to suffer in the
process. One last thing, they must treat everyone equally. They treat people
with higher outstanding amounts as if they are a disgrace to the society. There
is no harm, if they ask one of us to sit or offer a glass of water.
Thanks
Sumit
Hardia
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