Education loan NPAs: Nursing, engg students bigger defaulters than those in MBA, medicine

教育贷款坏账：护理、工程专业的学生比MBA、医学专业的学生拖欠的贷款更多

BENGALURU: Nursing and engineering are among the top contributors to education loan bad debt, which was estimated at 9.7% of the outstanding education loans at the end of December, 2020.

班加罗尔：护理和工程专业是教育贷款坏账的主要来源，截至2020年12月底，这两类专业的不良贷款占未偿教育贷款的9.7%。

According to data compiled from all the state-level bankers’ committees (SLBCs), as of December-end (third quarter of this fiscal), Rs 8,263 crore belonging to more than 3.5 lakh accounts that have availed education loans have been classified as non-performing assets (NPAs) out of the total education loan outstanding of Rs 84,965 crore that more than 23.3 lakh accounts borrowed.

根据各邦级银行委员会(SLBCs)汇编的数据，截至12月底(本财政年度第三季度)，共计超过233万个账户的未偿教育贷款为8496.5亿卢比，其中超过35万个账户中的826.3亿卢比教育贷款被列为不良资产。

Stream-wise data shows that of the Rs 84,965 crore total outstanding amount, loans to medical students is Rs 10,147 crore (11.9%), engineering students is Rs 33,316 crore (39.2%), nursing Rs 3,675 crore (4.3%), MBA Rs 9,541 crore (11.2%) and all other streams together Rs 28,286 crore (33.2%).

数据显示，在8496.5亿卢比的未偿还贷款总额中，医科学生贷款1014.7亿卢比(11.9%)，工程学生贷款3331.6亿卢比(39.2%)，护理学生贷款367.5亿卢比(4.3%)，MBA贷款954.1亿卢比(11.2%)，其他专业贷款共计2828.6亿卢比(33.2%)。

In NPAs against the outstanding loan amount, nursing tops the list with over 14%, followed by 12.1% in engineering, 7.1% in MBA and 6.2% in medical. Other streams together have 8.4% of the outstanding loans as NPAs.

在不良资产占未偿还贷款的比例方面，护理专业以超过14%的比例高居榜首，其次是工程专业12.1%，MBA专业7.1%和医学专业6.2%。其他专业总计占8.4%。

印度时报读者的评论：译者：Jessica.Wu

savitri balsubramanian

I maybe old fashioned in my thinking, but if a student isn't ethical enough to repay education loan , doesn't augur well for his/her future

我的想法可能有点守旧，

如果一个学生没有诚信，不愿意偿还教育贷款，那他/她的前途堪忧

LAXMAN DESAI

its not a free money.. its a help .. must be used by students properly.. if not banks must ruthelssly recover them from parents.. finally its tax payers money going down the drain.. all means must be put in place to recover

这不是免费给的钱…这是一种帮助，学生必须妥善使用，否则，银行可强制从父母那里收回资金。纳税人的钱都打水漂了，必须采取一切手段收回资金

Aishwarya Pandit

mandatory 2 years working in India or teaching in schools shd be done. Loan criteria shd be property guarantee from parents or sureties. Then only India can progress. Strict laws shd be in place.

申请了贷款的学生必须在印度工作2年。贷款时须由家长或担保人提供财产担保。只有这样，印度才能进步。必须制定严格的法律。

Gagan

Education loan to be granted only on hypothecation of physical property

仅在有实物财产抵押的情况下发放教育贷款

Yogesh Sharma

Corruption and cheating are in the DNA and blood of Indians.

腐 败和欺骗存在于印度人的DNA和血液中。

Iron Dome

To all the bright students who dumped India all over the years... PADHEGA INDIA TABHI TO BADHEGA US CANADA AUR AUSTRALIA

这些年来印度的聪明学生都走了，去了美国、加拿大和澳大利亚

Sanjoy Pandey

Banks should be more careful in granting educational loans to these sectors.

银行在发放教育贷款时应更加谨慎。

Zephyrian X

Rates of interest are too high on education loans , its not about hel students but about extracting profit from them Reduce it to home loan rates and see the figures improve.

教育贷款的利率太高了，这不是帮助学生，而是为了从中获利。把教育贷款的利率降低到住房贷款的利率，情况就会好转。

Abhi Wadekar

This are those students who takes loan from india for higher studies than dont return it once they get job in overseas.. this is a culture in andra, tamilnadu, gujrat

这些学生从印度贷款去深造，一旦在海外找到工作就不还。在安德拉邦、泰米尔纳德邦和古吉拉特邦，这是一种文化。

Adolf Hitler

Its harder to pay off education loan if the students dont get good and secured job or a source of income

如果学生找不到稳定的好工作，没有收入来源，偿还教育贷款就会更难

Tony Stark

So statistically Northees are better at paying off debts as compare to Tamil chors??

从数据上看，与泰米尔人相比，北方人更有能力偿还债务?

Abcd

If borrowers don't repay loans then slowly banks will stop giving education loans.

如果借款人不偿还贷款，银行就会逐步停止发放教育贷款。

Madan Mohan

Throw them in Jails - use themas manual labourers for two years in infra projects

把他们扔进监 狱——让他们去工地干活，做两年体力劳动者

Ameya Pai

If people like nirav and mallya need not repay the banks and go Scot free , then why should students return the loan

如果像尼拉夫和马尔雅这样的人都不需要偿还银行贷款，那学生们为什么要还贷款呢？

Arun

Why should they be lagging behind, when every businessman, industrialist and farmers availing NPA / loan waiver benefits.

商人、实业家和农民都在享受贷款减免，学生也不甘落后

Ripon Dhar

Nurses are highest paid employees in India please issue look out notice of defaulters and stop issuing passport unless dues are clear

护士是印度工资最高的员工，请发出拖欠通知，除非还清，否则不给他们签发护照

Bobbee Oz

Not only visas the degrees need to be tied up to the loans .

不仅是签证，学位也要与贷款捆绑在一起。

Nidhin Sunny

Government should ensure min wage. Nurses are hardly getting 10K working in india, how can they pay these loans? Being engg myself i started with 8000/month.

政府应该确保最低工资。在印度，护士一个月几乎拿不到1万卢比，他们怎么还得起这些贷款?

作为工程师，我一开始的工资是每月8000卢比。

Member

education has become a business now and it is getting costlier day by day the expenses are actually not something that a common man can be

教育现在已经成为一门生意了，而且费用日益昂贵，超出了普通人的承担能力

naveen yadav

need to chk mere if they got job or not. then picture will be clear

只要问问他们有没有找到工作，情况就清楚了