Growth Dynamics and Performance of Education Loan Scheme- A case of Haryana's Banking Sector

Abstract

This study explores the dynamics and performance of education loan schemes in Haryana’s banking sector. It examines key aspects such as loan disbursement, outstanding loan amounts, non-performing assets (NPAs) and recovery rates across public and private sector banks. The research highlights the challenges, including high default rates, limited access in rural areas and financial sustainability concerns. Secondary data was used to analysis the growth and performance of educational loan scheme. The study suggests that technological integration and policy reforms are critical to improving loan accessibility and recovery, ensuring the long-term sustainability of education loan schemes.