Hi Naveen,

Yes, you can pay the loan back on the back even though you don't have a job after your graduation. But most of the banks provide a relaxation period of 3 to 5years from your graduation day to paying back the loan. In these periods you can search and grab a job and can start paying post joining.

Repayment starts after a 'moratorium period' or 'repayment holiday', that is, one year after the end of studies or six months after getting a job, whichever is earlier. The borrower must have a repayment strategy in place before EMIs start.

CAPITALISE ON PROVISIONS

Student borrowers get many relaxations. These can be used to make the repayment smoother.

Start by reducing expenses. Margin money-a percentage of expenses that you pay while the bank pays the rest-is required on all loans above Rs 4 lakh. The rule is 5 per cent for studying in India and 15 percent for studying abroad. However, many banks relax this rule for meritorious students.

Refer this link to know all the details
https://scripbox.com/blog/worried-about-your-education-loan-repayment-here-are-6-easy-ways-to-pay-the-debt-off

well ,you are in right direction. your thing should be like that olny.

ya, if you are not get job then you can apply further study with concern bank,

OR concern with bank to extened period untill get job. they will do.

Your query is little confusing and unclear and after reading this what I have understood is you are asking whether you can pay the loan amount to the bank if you dont get job after completing your degree (please correct me if my assumption is wrong) and the answer is very simple yes, you can pay them back even you dont get recruited in any company. Also, I would say please dont get so negative, give your best so that you can easily get placed in top companies.

Good Luck!!!