Should you take an education loan? | Education Loans in India 2021 | Ankur Warikoo Hindi Video

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Three conditions before taking an educational loan.
When is it the right thing to take an educational loan?
Three conditions that I point out in this video, even if ONE of them is not met, you shouldn’t take it.
Think it through deeply, because losing your peace of mind because of a loan because you didn’t think through it, isn’t the right option to be striving for.
#warikoo #education #loans
Click here to subscribe to my RU-vid channel: shorturl.at/bizNX
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Ankur Warikoo is an entrepreneur, an angel investor, a mentor and an active public speaker.
For the past 4 years, Warikoo has been actively sharing content on RU-vid, LinkedIn, Instagram, Facebook and Twitter amassing a following of 1.6Mn+ people.
He posts 3 Hindi and English videos every week on his RU-vid channel, where he talks about entrepreneurship, how to grow in life, personal finance and failure.
Warikoo started his entrepreneurial journey in 2008. His most recent startup is nearbuy.com where he was the founder and CEO from 2015 until 2019.
Prior to that, Ankur started Groupon’s India business in 2011 and acted as the Country CEO from 2011-15, and Head of Groupon APAC from 2013-15.
An alumnus of the Indian School of Business, Ankur is an active Angel investor and mentor to several startups.
Ankur has been part of Fortune Magazine’s 40 under 40 List for India, LinkedIn India’s PowerProfiles List, LinkedIn India’s Spotlight List and India’s Top Executives under 40 list.
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If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L and in 2022 we contributed 53L.
Let’s connect online:
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Опубликовано:

16 ноя 2020

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Комментарии : 1 тыс.

@mu003devsoni5 3 года назад

If you're a diamond, you'll shine even in mudd.. but if you're just a stone.. you wont even shine staying in Crown😇

@devangshuroy5170 2 года назад

Probably 😕

@abelbijuthomas6906 2 года назад

Diamonds do not shine they refract light

@samarthagrahari4777 2 года назад

@@abelbijuthomas6906 😂

@kapilmunigoswami1410 Год назад

Don't cheat yourself brother ...such type of things seems good on papers in reality

@arghakdubey4372 3 месяца назад

Lovely mann how lovely this is!

@MegaRAVI777 3 года назад

This video changed my perspective towards education loan completely...And also that one is better off pursuing a distance education course rather than going for a costly & not so great full time course...Thank you Mr Warikoo

@nbfcloan5243 3 года назад

8126880406.

@ship998 Год назад

What is distance education course plz explain

@JesusWords0 Год назад

@@ship998 go check jaipur national university and amity university and manipal university online degree

@HumourusLAV Год назад

It's not that simple buddy.... Distance education only gets you the degree but no in college placements, plus if you go out looking for a job most have a prerequisite that you need to have done a full time MBA from a recognized college for them to give you a chance... they don't even look at people who have done a distance MBA if you have little to no experience... Sometimes even with experience they don't consider you because of your distance degree... it becomes a major problem

@ankitagawas0809 3 года назад

Each and every word of urs is damn true.. everyone should see this amazing content...god bless u sir for sharing ur experience...keep it up❤️

@souvik6831 3 года назад

He's a good friend . Because just look at his library behind him ! 🙏🏼❤️

@adityavpachisia 3 года назад

I would love to get admission in in Warikoo Institute of Technology.!

@aravindsingh08 3 года назад

@warikoo 3 года назад

Hahaha :)

@yashjain7357 3 года назад

@Anonymous-uc4rq 3 года назад

@Vaibhav Yadav for you, not for us

@butan9019 3 года назад

@stock_suryawalker9868 2 года назад

Thnx Mr. Ankur, Leaving a note: Conditions for a single loan in life - educational loan: 1. Don't attach your loan to anyone else. 2. Don't take loan just for a degree 3. You have to be prepared to pay back.

@bavishiakash 3 года назад

This video is pure gold . The best aspect of the video is that it covers the psychological impact which one has when the individual pursues education through loan . Thanks Ankur Sir for this great video. Keep up the good work 👍🏼

@howcomeihavesubs 2 года назад

True!

@ruchitakachhap4162 2 года назад

Answered many of my concerns, thanks for creating this video :)

@Godsgirl4278 2 года назад

Thank you,Warikoo Sir 🙏❤️ It was much needed .

@bidhanpaudel412 3 года назад

Yes, my loan is my loan, great point.

@hiteshidhar4235 3 года назад

Yeah 🔥

@dishakatiyar790 2 года назад

Hard to listen but definitely you are right Sir

@SwetaSingh-tm2do 2 года назад

He is absolutely right about the college thing when he talks about good network that really doesn't mean about being with rich people its about being with good knowledgeable and intellectual people from whom you will get a lot of information I m saying this because I have chosen wrong colleges and ended up losing all the knowledge specially my command over English language so choose a good college and most importantly go after knowledgeable people not rich brats

@shradhatyagi8833 3 года назад

I think your video was made keeping in mind some specific job prospects. As an individual considering a job as a counseling therapist, I cannot do away with the opportunity of studying in a university, even if it's a mediocre one because I NEED certain qualifications to be a practicing therapist and those can't be obtained without going to college, obviously I have good enough grades and extra co-curricular activities to get into a college of choice, however, there are not many options for the course I want to do. now, I am not talking about universities with general degrees in psychology, I am talking about colleges offering specific courses that I wish to take up, and those colleges are very few in number, so, even if the college I wish to go to does not have a very high ranking, in terms of my course specifically, its the best. so, I hope you keep things like this in mind before telling people that just because the college you want to go to does not have a high ranking, it's better if you don't attend it.

@shubhamtyagi2901 2 года назад

That's how people from psychology background made comment 😂

@vault911 2 года назад

that's common sense, you want him to tell this too?

@aryn18s Год назад

Well that's totall true. I also wanna Persue bsc in psychology in india. There are few options for this course. Only private universities are offering that course. So i have to take course in that even tho the uni. Rank is not good enough. I totally agree with you.

@apurvapatel9699 Год назад

@@aryn18s can you suggest some good colleges for distance learning courses or any specific course online.... I am not looking to pursue a career in psychology but i just want to study

@aryn18s Год назад

@@apurvapatel9699 IGNOU is the best for online learning. But what subjects or course you want to study?

@vrushabhdahikar6474 2 года назад

Thank You Sir.... Your words hit me a lot...

@sourabhbhattacharya3411 3 года назад

Education loan has inflated the prices just like in real estate in education and made it unaffordable for masses. Education is responsibility of society and community, totally disagree with the financialisation of education.

@FirstnameLastname-rc4xq 2 года назад

💯

@Subhadwip-gq6vo Год назад

💯

@diegomateo8076 2 года назад

If you don't find a means of multiplying money, you will wake up one day to realise that the money you thought you had, has finished. Investment is key.

@adelbertoraphael5118 2 года назад

I agree with you mate. Investment is the key to sustaining your financial longevity. And not just any investment but an investment with guaranteed return.

@emiliamaya7030 2 года назад

"To earn more you are required to have a multiple diversified means of income", which is why Investment is an avenue of making more money once it's profitable.

@emiliamaya7030 2 года назад

Most failures and loss on Investment usually happens when you invest without proper guide and the analysis of the profit and risk percentage of the Investment.

@gabriellaximena2166 2 года назад

So how do you get your proper guide and the analysis you mentioned? Because I have incurred huge losses while investing by myself

@emiliamaya7030 2 года назад

@@gabriellaximena2166 it's safe to have an investment manager who has vast knowledge about Investment, to make you profits from your Investment on your behalf while you monitor the Investment growth.

@yasraasif9879 Год назад

Thank you so much sir you are the only person who has also showed the dark reality of loans...!!!

@shouryaraj007 3 года назад

Mr. Warikoo, there are few things that you have said here with survivorship bias which I think can misguide someone who isn't going to Hindu college or can't go to the US for their masters. HOWEVER, thank you so much for putting it in every 20 something person's head that a loan is not their parent's responsibility & taking a loan just to take admission in random college abroad isn't worth it.

@debabratasi7915 3 года назад

You are inspiring 🙏

@dvspatel5463 3 года назад

I like your advice for this loan product......... Iss advice me muje jo condition acchi lagi wo ha " apne maa baap se loan nahi attach honi chahiya" ye condition muje acchi lagi........

@gauravtiwari9920 3 года назад

Great speaker... A lot of information..🙂🙂

@shashankkumardwivedi43 Год назад

It's very rare to find Quality content nowadays.. thatswhy I am attached to this guy through RU-vid 😁♥

@uniteflyers 2 года назад

Thanks sir for making it clear ✨

@vijiyanttanaji9800 3 года назад

Thankyou very much sir for your guidance

@swapnilkabra2906 2 года назад

Excellent information, nobody else gives this type of trust. Thanks

@stillunknown2659 3 года назад

MUST WATCH VIDEO ! AMAZING ! GREAT !

@banitaheera929 3 года назад

Thanks a lot sir .... for a good suggestion

@aaryagurao5500 2 года назад

Sir your videos are always amazing. I can get solutions for my problems through one video. Thank you so much for making such content.

@FUNNYEDUCATION 3 года назад

Love u sir, thank you so much ❤️❤️❤️❤️

@aravindsingh08 3 года назад

Loved the intro

@rajeshsahu5228 10 месяцев назад

Really very well explained . Thank you for such level of guidance ❤

@harishambhure 2 года назад

Thank you for valuable points

@manishbakliwal6920 3 года назад

Very good eye opener.

@mini_vlog21 3 года назад

really u are owsm sir😍😍

@Shagufa_Imteyaz 2 года назад

Wow! The thing attracted me to watch the video till end was YOUR LOAN IS YOUR RESPONSIBILITY.

@suvam_in 3 года назад

You are great Sir.. You Changed my mind set towords the btech...

@anuroopsahu4969 3 года назад

In India to take an Education Loan you need to keep someone as your co-applicant and that can be only your family members. I have applied to all major banks and none of them have agreed for an unsecured option with only me as the financial co-applicant. So technically this doesn't seem possible sir. If you help in this regards.

@Pesweed1111 3 года назад

Bro can u tell me can I get an educational loan of 30 lakh with my mother govt employee as guaranteer and my property will also be in form of secured property

@anuroopsahu4969 3 года назад

@@Pesweed1111 Yes you surely can. Approach Govt. Banks. They have the best interest rates

@nbfcloan5243 3 года назад

8126880406 waatsap

@samuraijosh1595 3 года назад

@@anuroopsahu4969 But too much paperwork and other shenanigans tho.... Private banks seems to make the process simpler.

@taranewar2868 3 года назад

You will need a guaranter too.. If you take loan above 7.5lakhs from SBI.

@grandfather2463 2 года назад

If you follow this man guidelines I bet you will be thankfully But to follow his guide lines you have to do hardwork

@nadeemchitaliya9411 3 года назад

Thanks for the video sir really appreciate that🌹🌹🌹

@somishsingh1582 2 года назад

Thank you so much sir for the great information...✨

@phantom1665 Год назад

Your loan is your Responsibility! - Ankur warikoo❤️

@psychogaming5614 3 года назад

thanku so much for this suggestions ❤️🤞🏻

@AryanKhan-kh3zf 2 года назад

Sir 25year se jiyada hai mera age sir

@rabeeshkumargola9081 2 года назад

thank you so much for this wonderful guidance, sir🙏

@syednadimulhaque6746 Год назад

Wonderfully respected sir !! Nailed it❤❤

@sharjah81 3 года назад

very educative (no pun intended :) ). an eye opener. I have a request, and a strange one: please include a background music in all your videos, even if it means the same track for all videos. they just take the experience of listening to another level.

@aryanvlogz5216 3 года назад

Very informative video !

@SURABHISRIVASTAVA-eu6wj Год назад

Loved the video..actually, ye video maine aisehi dekha lkn isne apne content k sath mere integrity ko bhi refresh kar diya..Thanks...Thank you very much!!

@sikanderjumma7687 2 года назад

Sir awesome brain storming. Really mind opener. Thank You. Each and every word woth it

@rohanpatel4469 3 года назад

Great Video ! Students need to understand the insights of paying back the loan beforehand

@aryanpandey1621 3 года назад

Great Intro sir

@jaiveersingh3015 2 месяца назад

Thankuu so much sir for giving me the advise 😊❤

@avinashmulye3165 3 года назад

very well explained

@AnjaliChauriya 2 года назад

Sir your video is amazing . Thank you for such helpfull content 😄👍

@ceoishere_ 2 года назад

I was ready for first 2 condition but after the third point. I realised its not worthwhile the risk. Thank you Sir. Better save the money and work on something small and slowly build it that will make me independent. Better take small skill courses that I actually need.

@arnavbhardwaj7350 3 года назад

Please Ankur sir reply whenever you get time as your advice is really valuable

@letstalk90 3 года назад

Sir.. What you said is correct if you are planning to do higher education. For degree most of the people need to take loan for tire 3 college also. In India a full time degree course is mostly mandatory to get a job. So if a person should not take loan then how he/she will complete graduation? For a fresher, degree from open University is almost a dead end.

@sky.1505 2 года назад

Go to government college

@letstalk90 2 года назад

@@sky.1505 do you think before write or simply put random comments ? Govt college is not for everyone seats are limited. Only a few percent of students get seats. This video is referring to mass then the solution should consider mass.

@sky.1505 2 года назад

@@letstalk90 bruh..there are many government institute you can complete your graduation in bsc and msc.. which required less percentage in 12th...also.. private universities take 22k-23k for bsc and msc...

@aryn18s Год назад

@@sky.1505 i think you are living on mars. It depends upon the course. But in private colleges the fee is 100k+ per year

@theplanet-earth8628 Год назад

@@sky.1505 bruh fees in private college for bsc is above 1 lakh indian rupees per year....💀 And then hostel kharcha (1,50000 per year)+ other activities ...... Total cost for the course is 10 lakh + ....that's the reason loan is required cuz we can't rely on parents all the time ...and govt college conduct their own exam for admission and total seats are around 100 .......💀

@ankushpm4301 Год назад

thank you so much for a genuine words, finally it opened my mind what i need to do.

@AjaySingh-pi5fk 2 года назад

That something really special for today. Thanks for that sir. 👍👍

@akshaymehta4574 2 года назад

Firstly, I think it’s okay from financing perspective to get a loan on your dads property mortgage because 1. He can enjoy tax benefit. 2. Lower interest rate implies lesser burden. This is only if you are sure about repaying your loan back! I understand the risk but I think one should do the math himself/ herself!

@durgeshsuwalka2686 3 года назад

You are great sir🤘

@poojamishra1998 2 года назад

Thanks you sir for giving us right advice

@snehaelizebeth6146 5 месяцев назад

Precise and on point📍

@aakashtuteja2712 3 года назад

It would be better if you don't put the background music. Otherwise your words are pure gold :)

@SunmeetSinghSethi 3 года назад

Agreed. Team Warikoo please note.

@warikoo 3 года назад

Ok done

@ashutoshjohari3257 3 года назад

After seeing the video I feel great that I have done my engineering degree in just 20000 rupees for not so great college but i have never heat and pressure of money That my other colleagues do feel

@sky.1505 2 года назад

I did engineering in 1500per year

@vikaschauhan8559 Год назад

@@sky.1505 which college

@sky.1505 Год назад

@@vikaschauhan8559 ld college of engineering,ahemedbad Average package is between 3lac to 10lac..but its worth it

@inactive3287 Год назад

How much per semester

@ashutoshjohari3257 Год назад

@@inactive3287 2500

@rabjot2408 2 года назад

I don't think that there is any other video which describe like this to take a bright step in our future thank.

@tarannummirza Год назад

Thanks sir 🙂✨ for good advice

@dhiveshjoshi1950 2 года назад

I took admission in NIT Jalandhar Instead of BITs ECE. As fees was half. Currently working as Developer and earning quiet well.

@sahilthapliyal 2 года назад

Ya man goverment collages are worthit

@mayurdudhal4234 3 года назад

Realy Thanks sir I solved my problems related my education loan I got Maharashtra top engineering collage name is COEP and I eligible for scholar loan SBI this scheme only provide for iims and iits and other top collages this list only 40 collages so thanks again sir your all condition satisfied me 🙃🙃👍

@yogeshwankhede1205 3 года назад

True word sir thank you

@user-ev1pf9me2x 2 года назад

Thanks for such a valuable information

@ArshadKhan-pp8dd 3 года назад

Very true sir, love from Qatar, 🙏

@tempmail5655 3 года назад

You said that "Don't attach your loan to anyone else (including parents)" , is that logically correct because when you go to any bank for your educational loan, you have to submit every asset that your parents own and you are (very) dependent on your parents. So how you (as a dependent being) going to convince the bank regarding the consequences of taking loan is up to you and not your parents .

@samuraijosh1595 3 года назад

I think he applied the American student loan system to Indian students, which obviously doesn't work.

@gauravsharma8886 2 года назад

Like the simplicity of your explanation

@rahulnikam4540 2 года назад

Very informative👍👍

@mayankkumar308 3 года назад

Two months ago i was going to take loan for btech from a small private college but after thinking i cancelled the admission and now taking admission in IGNOU open University & going to do job & learning skills like web development online.

@rajatj3920 3 года назад

Also, try to learn Data Structures and Algorithms(DSA) and try to explore more based on your capacity and math. You can also check tushar roy and/or aman dhattarwal's channel you will get free content there on DSA Also, learn how to write clean code you can follow 'clean code by uncle bob' book or on RU-vid you can search this title for videos also.

@rajatj3920 3 года назад

Best of luck!

@garvitrajput5085 3 года назад

@@rajatj3920 that was really helpful bro thanks and do mention any other good sources u know for coding or DS in genral

@warikoo 3 года назад

Awesome!!

@rajatj3920 3 года назад

@@garvitrajput5085 for DSA you can follow aman's channel (apna college) then practice because it is really important. So, learn the basics and try to practice on codeforces.com. You can follow errichto's channel for more. Math is also important if you're going to dive deep into DSA. MIT OCW has few courses on Mathematics and Computer Science. Try to explore more by your own.

@ashwanikalla335 3 года назад

Thanks for Such Videos.....These Are Very Helpful.. Can you make Video on which school board we should choose for our kids and why...

@kanishkkaushal2219 Год назад

One of the greatest motivational video preparing you for your future

@createromprince6649 2 года назад

Amazing mentorship by this video

@Intrepid2703 2 года назад

i am agreed with you. Importance of college is reducing day by day.

@rishabhgoyal9588 3 года назад

Hey Ankur, the background music at some points is not feeling relevant to the video. Otherwise, thanks for the advise!

@warikoo 3 года назад

Removing it soon

@vijiyanttanaji9800 3 года назад

Yes , music is a little distracting , your voice is enough to keep us glued

@saroneedas7912 3 года назад

@@vijiyanttanaji9800 agreed

@vanshupadhyay6289 3 года назад

@@warikoo sir 6 months hogaye, ab toh hatado

@dalembert8495 2 года назад

@@1977sheeba 😆

@ChristoJohnson Год назад

Thank you for Solidifying my Intuitions .

@AnmolSingh-ru6tk 2 года назад

Your video really made my day ❤️❤️❤️❤️

@m_adriraj 3 года назад

For a medical aspirant college is very important

@nbfcloan5243 3 года назад

8126880406.

@SudheerKumar-ik6dj 3 года назад

It's like a motivational video

@hira_lal_chaudhary 3 месяца назад

Thank you Sir, I know I am late to watch this video but I am not late for my career, I will always remember this video.

@anjalypraveen808 2 года назад

This video is pure bliss

@naman680 2 года назад

Sir i want an personal advise regarding taking a education loan as i am having some different conditions i.e having the funds but wanted to manage it and invest it properly so i can properly manage my studies and finances.

@APRAJITASINHA361 3 года назад

Hi Ankur! What are your thoughts on getting for MBA with ISB during COVID and so the online classes?

@siddharthagrawal9312 2 года назад

College is more about sorrounding experiences less about knowledge . Whatever i have studied is of no use .

@komalrajput970 2 года назад

Thnx for ur good advice ❤️

@SscwalaAnkul 2 года назад

Thank you sir this is very important vdo for loan taker

@saifansari7250 3 года назад

Allah aapko salamat rakhe. for shereing your experience.i also want to take education loan for doing b tech from top private college whose approx fee b/w 10-15lac.Thank you ❤️❤️❤️...

@avinashjha9118 Год назад

Bhai mt lo education loan

@shahakshatdivyang 2 года назад

Can you do a Part -2 of this video with Excel sheet by including some other expenses which also happens there ? it would be much helpful

@iamaniketkr 3 года назад

Warikoo sir... You are ❤️

@darshanshah2506 2 года назад

Thank you so much wariko 🥺💝

@imyasharya 2 года назад

Thanks Mr Warikoo for letting me know the real reason to get into a college.

@HemantKumar-2721 2 года назад

Or kya haal chal bhai

@imyasharya 2 года назад

@@HemantKumar-2721 Are tum toh telegram wale ho na? Tum bhi loan ki jankari le rahe the youtube se 😁

@HemantKumar-2721 2 года назад

@@imyasharya Hn bhai but sahi nhi hai loan lena isliye hcl thik hai tum kya soch rahe ho

@imyasharya 2 года назад

@@HemantKumar-2721 I think the program does what a good college supposed to do. Isliye I'm in.

@AnuragKumar-pq5ih 3 года назад

According to you for what all colleges we shouldn't take as many people go into tier -3 colleges , and I am also going in such should I take I now doubt about it can you help I am thinking of college in chandigarh (pvt.) With easy admission process. Plzzz do reply...

@protecteearth220 3 года назад

Thanks brother ❤️❤️🙏🙏

@Aakash-ic9vq 2 года назад

Thankyou sir. Today you have prove my decision was right that i said no to college i spend my time as an entrepreneur. I learn business practically. (in a wholesale market and stock market). Aur ab mai graduation apply krne ki soch rha hu to be continue with a young generation. If i apply for a loan now then i can also pay it back by myself without wasting any time or waiting for corporate job.