Study in New Zealand

study in New Zealand without IELTS

As you all are aware the new amendments as published by NZQA (New Zealand Qualification Authority) relating to English Language requirements for International students intending to study in New Zealand are to come into effect for all visa applications submitted to Immigration New Zealand. The deadline for the same has now been extended to 24th October 2015.

Category 1 and approved Category 2 education providers can now use Internal English proficiency assessments only for international students from countries with an annual student visa success rate of at least 80 per cent.

Category 1, 2 and 3 education providers can now use previous study at schools where English is the medium of instruction as evidence of English proficiency only for international students from countries with an annual student visa success rate of at least 80 per cent.

For all other countries having visa success rate lower than 80%  their students will now need to compulsorily provide other approved sources of English Language Proficiency Levels i.e. through IELTS, PTE  or TOEFL.

The details of student visa success rates for India, Sri-Lanka and Nepal are given in the table below.

Sr No. Country   Student & Scholarship visa issued in 2014           Visa Success Rate %
1. India 20017 62
2. Sri Lanka 599 50
3. Nepal 1878 32

As such all students from India intending to study in New Zealand would need to now provide English Language proficiency level through IELTS, PTE or TOEFL.

Kindly rush your applications to

Student Visa Refused for USA or CANADA?

Student Visa Refused for USA or CANADA?

Don’t Worry…

Apply to

NZ (Feb/Mar/Apr Intake)

UK (Apr/May/Sept Intake)

Australia (Mar/July Intake)

New Zealand

United Kingdom


 New Zealand flag  United Kingdom flag  Australia flag
Masters 2 years, PG Diploma 1 year, Bachelors 3 years, Diploma 1-2 years
Master Degree – 1 year, Bachelors Degree – 3 years,
HNC, HND, PG Diploma Programs available
Masters 1 – 2 years, PG Diploma 1 year, Bachelors 3 -4 years, Diploma and Advanced Diploma Programs available
Minimum IELTS Requirement 5.0 Bands
a) Minimum IELTS Requirement – 6.0 Bands
b) Students with low score in IELTS can take Pre-sessional English courses
a) Minimum IELTS Requirement 6.0 Bands
b) Students with low score in IELTS can take Pre-sessional English courses
Feb, March & April intakes. Some colleges have rolling intake
April & May intakes
March & July intakes available
Students will get 1 year of Job Search Visa
Students are eligible for Tier 2 work permit
As per recommendation 2 years Post Study work permit will be available*
Students get 20 Hours part time work permit
Students enrolling for University – 20 hrs work permit, Govt. Funded College – 10 hrs work permit
Students get 20 Hours Part time work permit

Educational Loans and Scholarships

Educational Loans and Scholarships

A comprehensive educational loan scheme was framed with the consultation of Government of India with reserve bank of India and Indian bankers association. This scheme can avail a loan of up to 8.5 lakhs in India and up to 20 lakhs for abroad studies. These figures are not constant in nature for banks. State bank of India is availing an upper limit of 20 lakhs and in recent days. Indian bank has upgraded its maximum limit to 15 lakhs for education in India and 25 lakhs for abroad studies. All the details given below will change time to time and students are advised to get right information from the banks concerned.

The eligibility criteria of the bank to obtain an educational loan from any bank of India:-

  • The student who is seeking for educational loan should be Indian national
  • The student should have secured admission to professional/ technical courses through entrance test/selection process
  • The student should have secured admission to foreign university/institution

Take a peek into other important points of consideration that the comprehensive educational loans:-

You need to keep the following documents in place before applying for an educational loan:

  • Mark sheets of the last qualifying examination for school and graduate studies in India.
  • Proof of admission to the course.
  • Scheduling of expenses to the course.
  • Copies of letter confirming the scholarship.
  • Copies of foreign exchange permit, if applicable.
  • Two passport size photographs.
  • Bank statement for the last six months of the borrower.
  • Income tax assessment order not more than two years.
  • Brief statements of assets and liabilities of the borrower.
  • If you are not an existing bank customer you would need to establish your identity and give proof of residence.

Repayment holiday
Loans are repayable in 5 to 7 years. Repayment of both principal and interest will start after one year after completion of the course or six months after getting employment, whichever is earlier. Interest will be charged on simple basis during the period of study / moratorium period. At the commencement of repayment, the accrued interest is added to the principal amount and Equated Monthly Installments (EMIs) fixed on total outstanding amount. After commencement of repayment, the benefit of simple interest would be discontinued.


If the course cost is up to 4 lakhs, nil for both studies in India and abroad. If the course cost is above 4 lakhs, 5% for inland studies and 15% for studies abroad.

Rate of interest
The rate of interest is 10.75 % up to INR 4 lakhs and it does not exceed the Prime Lending Rates (PLR). For a loan above INR 4 lakhs, the interest rate is 11.75 % and it will not exceed PLR plus 1 percent. However, the rate of interest is subject to changes as per the specifications of RBI or the concerned bank.

Banks have the following security/collateral security requirements for granting loans to students. However, the requirements differ from bank to bank.

Loan up to INR 4 lakhs. No collateral security.
Loan above INR 4 lakhs and up to INR 7.5 lakhs. Security in the form of Satisfactory third party guarantee.
Loan above INR 7.5 lakhs. (a) Collateral security of suitable
(b) Co-obligation of parents/guardians/third Party along with assignment of future Income of the student for payment of Installments.

Credit delivery
you can avail the loan from the branch nearest to the place of your permanent domicile.

Processing fee
Most of the Indian banks do not charge any processing fee or upfront charges. The State Bank of India accepts a deposit of INR 5000 for education loan for studies abroad, which is adjusted in the margin money.

Disbursement: – while applying the loan, in the case of normal course your future income prospect will be taken into account. If required the means of your parent or guardian can also be taken into account to evaluate re-payment capability.

The loan is sanctioned as per delegation of powers preferably by the branch nearest to the place of domicile. No application for educational loan received is rejected without the concurrence of the next higher authority.

The loan is disbursed in stages as per the requirement/demand directly to the institutions/vendors of books/equipments/ instruments to the extent possible.
Follow up
The bank from which you have availed the loan can contact the college/university authorities to send your progress reports, at regular intervals.

Capability Certificate
If you are going abroad to study, some of the foreign universities require you to submit a certificate from your bankers about the sponsor’s solvency/financial capability with a view to ensure that your sponsors are capable of meeting the expenses till completion of studies. Accordingly branches can also issue the capability certificate. For this financial and other supporting documents may be obtained from you, if required.

Finally, you need to hit on the right bank with the right educational loan scheme to suit your needs. Parameters to weigh the alternatives are many; as in, whether the bank provides loan for the course you are opting for and if yes, then up to what extent, the margin and security requirements, the rate of interest, proximity of bank to your residence, et al. The discretion is yours after a through analysis.

Study In New Zealand

Auckland University
Auckland University

Number of students heading to study in New Zealand is steadily increasing from past several years. Due to recession in USA the inclination is declined among the students to study in America and the recent racist attacks in Australia has made New Zealand the most preferred destination to study .

New Zealand is a multi-ethnic country and is predominately populated by the white population known as Paheka. The indigenous Maori community constitutes 16 percent of the population.

Students enter New Zealand through a one-year student visa, which gets converted to a graduate open work visa for one year and allows them to opt for any job. After one year, they can opt for a two-year work visa.

Benefits for studying in New Zealand

1. Tertiary education in New Zealand offers an attractive and stimulating academic environment.
2. The institutions are diverse in size and location, and offer a wide range of general and specialist courses.
3. The quality of a New Zealand tertiary education is well-recognised internationally.
4. New Zealand offers a safe and stable democratic political environment.
5. New Zealand has an international reputation as a provider of quality education.
6. New Zealand offers a safe learning environment with excellent study opportunities and support services for international students.
7. Courses are available for academic, professional and vocational studies at universities, polytechnics, colleges of education, secondary schools and private training establishments Language Schools, High Schools, Universities polytechnics, Technical Schools and Institutes, Masters & Bachelors degree.

For more details visit here.