IFIM Business School

Ph. D Program in Management

Vide notification No: VTU/ACA/2006-07/2538 dated 12th July, 2006, IFIM Business School), has been permitted by the Visvesvaraya Technological University (VTU), Belgaum to offer a Ph. D programme* in Management. Thus, IFIM Business School has the unique distinction of being amongst the few autonomous Institutes in the country to be accorded this recognition by a University.

Instructions for Apply for applying for Ph. D

  • Details about Management Ph. D is given in:
  • Visit the above site for downloading the application form
  • After filling-in the personal information, the candidate has to come down to IFIM located in Phase I Electronic city for discussion with the faculty-guide.
  • Along with the application the candidate has to precisely describe in a write up about their respective research topic and bring it for discussion with the guide.
  • Please make sure that you meet the basic requirements to register for Ph. D with VTU. One has to undergo the VTU Ph. D aptitude test after submitting the application through IFIM (Test is offered 2 times in a year).
  • A regional VTU centre at R. V. Teachers’ college in Jayanagar can be contacted for any clarification regarding application forms or tests.

IMPORTANT : *For details of areas of specialisation, course work, eligibility, fellowships, fees structure, etc. please visit website :

Ms. Sai Prasanna
Email id:
(O): 080-41432891

Mobile : 9731742211

Education Loans

IFIM has tied up with the following banks for providing education loans for their programs.

Click on the respective bank logos to view the MOU.

Education Loan Schemes of SBI & Public Sector Banks
Eligibility Students who have secured admission in Institutions approved as per / /
Quantum of Loan Need based finance subject to repaying capacity of the parents/students upon employment : Range 15-20 Lac
Security for Loan  
For loan up to INR 4.00 lac Parent/ Guardian as co-borrower;
For loan above INR 4.00 lac & up to INR 7.50 Lac: Parent/Guardian as co-borrower and Collateral security in the form of suitable third party guarantee. Third Party Guarantee can be replaced with Parent/Guardian as co-borrower provided the Gross Annual Income of Parent/Guardian (co-borrower) as given in latest Income Tax Return is 3 times of the loan amount.
For loan above INR 7.50 lac Parent/Guardian as co-borrower and tangible collateral security
Margin (Own Contribution)  
For loan up to INR 4.00 lac As per the bank rules and regulations
For loan above INR 4.00 lac & up to INR 7.50 lac As per the bank rules and regulations
For loan above INR 7.50 lac As per the bank rules and regulations
Repayment Loan is repayable after Repayment Holiday/Moratorium which is “Course Period + 1 year” or “6 months after getting job”, whichever is earlier.

Loans up to INR 7.50 Lac to be repaid within a maximum period of 10 years.

Loans above INR 7.50 Lac within a maximum period of 15 years after commencement of repayment period.
Documents Required for availing the loan.
  • Completed Education Loan Application Form.
  • Mark sheets of last qualifying examination.
  • Proof of admission scholarship, studentship etc.
  • Schedule of expenses for the specified course.
  • 2 passport size photographs.
  • PAN Card of the student and the Parent/Guardian.
  • Borrower's Bank account statement for the last six months.
  • Income tax Returns/IT assessment order, of last 2 yrs (If IT Payee).
  • Brief statement of assets and liabilities, of the parents/Co-borrower.
  • Proof of Income (i.e. Salary slips/Form 16 etc. if applicable) of the parents/Co borrower.
Application of Interest Simple interest during moratorium period. Service interest during moratorium period regularly and avail a special discount of 1.00% in interest rate.
Delivery Channel : The loans are generally processed by the specialized Retail Banking Branches. The Students must approach the bank near their place of permanent residence/where they have long term banking dealings. These branches will recommend their names to the specialized branches.
Online application facility. Most of the Banks have Online application facility.
Value added Service Some Banks offer FREE Debit Card
Insurance Group Life Insurance Cover to the extent of loan liability for entire repayment period is available.
  • The parent/guardian would become co-borrower with the student.
  • Education Loan would be sanctioned preferably through branches/RBBs/CRBBs nearest to the place of residence of parents.
  • Second time education loan is available for higher studies/escalation of cost.
Expenses Generally Considered for Loan
  • Fee payable to College/School/Hostel.
  • Examination/Library/Laboratory
  • Fee. Purchase of Books/Equipments/Instruments/Uniforms Purchase of Computers essential for completion of the course at reasonable cost.
  • Caution Deposit/Building Fund/Refundable Deposit supported by Bills/Receipts of the Institution, subject to the conditions that amount does not exceed 10% of the total tuition fees for the entire course.
  • Insurance premium for student borrower.
  • Any other expenses required to complete the course, such as- Study Tours, Project Work, and Thesis etc. Reimbursement of the fee paid at the time of counseling if applied within 60 days from the date of such payment.
General Instructions for Students/Parents/ Guardians
  • Education Loan would be sanctioned through branches of banks nearest to the place of residence of parents. These will not be sanctioned by any bank on behalf of the institute.
  • Banks have a policy to give education loans as per RBI & Government guidelines. But sanction of the loans depends upon the discretion of the Branch Manager of the bank. Students/parents/guardians may find that sometimes the local branch managers are reticent in giving loans. This attitude may be based on their past experience with students who have not repaid their loans in time. The applicant may ensure that they put up credentials of their genuine intentions and background to win the confidence of the Branch Managers.
  • Banks generally take 2-3 weeks to process & sanction education loans.
  • The applicant may keep its documents ready to reduce the period involved.
  • Banks may under take background check of the applicant by local enquiries/from Credit Information Bureau of India (CIBIL). The credit history of the residents is captured by CIBIL. Defaults made by the residents in their bank loan repayments and defaults in utility bill payments mean adverse CIBIL reports.
  • Applicant must ensure that he/she has clean CIBIL report.

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