There’s nothing as beautiful or more powerful as a smile. Good, healthy teeth give people the confidence to smile their brightest and express their joy without hesitation. A dentist’s job is to ensure that every individual is confident in their smile.
Dentistry would be a good career path to consider if you have a passion for healthcare, believe in the importance of oral health, enjoy working with your hands, and have an eye for smaller details.
Dentistry offers a unique career opportunity that combines science, precision, artistry and problem-solving skills. The first step towards becoming a skilled dentist is to pursue a Bachelor of Dental Surgery (BDS) degree. However, this first step can prove to be quite expensive.
In this article, we explore how you can overcome the financial constraints faced in becoming a dentist with the help of an education loan for BDS.
What is Bachelor of Dental Surgery (BDS)?
A Bachelor of Dental Surgery (BDS) degree is a 5-year undergraduate degree program that focuses on dentistry and dental surgery. In this program, students learn about anatomy, dental material, oral health, surgical practices and various dental specialities. This course is the first step towards becoming a dentist.
To join a BDS degree program, you must have completed your 12th grade in the Science (Physics, Chemistry and Biology) stream with at least 50% marks. You should also clear the National Eligibility Entrance Test (NEET).
BDS is highly demanded in India and abroad, and there are many job opportunities available. After completing the 5-year program, you may start practising as a dentist or pursue higher education for further specialisation.
Cost of Studying BDS in India
The cost of pursuing a Bachelor of Dental Surgery (BDS) in India varies depending on the type of institution you choose and the location. In government universities, the fees range between Rs. 80,000 to Rs. 1.5 lakh annually. On the other hand, private dental colleges charge between Rs. 3 to 5 lakhs per year.
In addition to the tuition fees, you must also factor in expenses such as textbooks, clinical tools, hostel and mess fees.
Education loan for BDS Students: Why to Consider it?
Considering the expenses related to pursuing a BDS degree, an education loan can be the right way to fund your studies. A loan allows you to focus on building your skillset as a dentist and gaining in-depth knowledge to become a leading practitioner without having to worry about your finances.
Here’s why an education loan is an ideal choice for your studies:
1. A loan can fund a major portion of your educational expenses. With the right collateral, you can secure a loan that covers almost all of your expenses beyond just tuition. This means you do not need to worry about a margin money requirement.
2. In the long run, an education loan can help you save money, as interest repayments made towards the loan are eligible for deductions under Section 80E of the Income Tax Act.
3. With the right loan, you can access the best quality education in BDS and attend top universities without worrying about upfront costs.
4. An education loan ensures that you focus entirely on your studies and don’t compromise on your academic performance.
5. Repaying an education loan can help you build a good credit score. A good credit score gives you better financial stability and opportunities in the future.
6. Most loans have a moratorium period during which you do not have to start repaying it. This means you do not have to worry about repayments while you are still in college.
How to Apply for an Education Loan for BDS:
1. Visit the Tata Capital website and fill out your basic details. This information will be used to verify your loan eligibility.
2. Once your loan eligibility has been confirmed, you will have to upload all your documents. These include identity and address documents, course structure details, course fee details, and other education documents.
3. Your loan application will then undergo scrutiny, and post-approval, the approved amount will be transferred to your bank account.
Final thoughts
Dentists help millions of people achieve perfect smiles and healthy teeth. If your dream is to become a dentist, but your finances are holding you back, apply for an education loan for BDS. With a loan, you can finance your education and invest towards your future.
Choose Tata Capital when you apply for a student loan and step closer to your dream career in dentistry. Tata Capital offers the best options for education loans for BDS in India with competitive interest rates and a hassle-free application process. With quick approvals, pre-admission sanctions, and flexible interest rates, we ensure that you can focus on your education rather than finances.
05 November 2024
4 mins read
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