COURSES
MBAData Science & AnalyticsDoctorate Software & Tech AI | ML MarketingManagement
Professional Certificate Programme in HR Management and AnalyticsPost Graduate Certificate in Product ManagementExecutive Post Graduate Program in Healthcare ManagementExecutive PG Programme in Human Resource ManagementMBA in International Finance (integrated with ACCA, UK)Global Master Certificate in Integrated Supply Chain ManagementAdvanced General Management ProgramManagement EssentialsLeadership and Management in New Age BusinessProduct Management Online Certificate ProgramStrategic Human Resources Leadership Cornell Certificate ProgramHuman Resources Management Certificate Program for Indian ExecutivesGlobal Professional Certificate in Effective Leadership and ManagementCSM® Certification TrainingCSPO® Certification TrainingLeading SAFe® 5.1 Training (SAFe® Agilist Certification)SAFe® 5.1 POPM CertificationSAFe® 5.1 Scrum Master Certification (SSM)Implementing SAFe® 5.1 with SPC CertificationSAFe® 5 Release Train Engineer (RTE) CertificationPMP® Certification TrainingPRINCE2® Foundation and Practitioner Certification
Law
Job Linked
Bootcamps
Study Abroad
Master of Business Administration (90 ECTS)Master of Business Administration (60 ECTS)Master in Computer Science (120 ECTS)Master in International Management (120 ECTS)Bachelor of Business Administration (180 ECTS)B.Sc. Computer Science (180 ECTS)MS in Data AnalyticsMS in Project ManagementMS in Information TechnologyMasters Degree in Data Analytics and VisualizationMasters Degree in Artificial IntelligenceMBS in Entrepreneurship and MarketingMSc in Data AnalyticsMS in Data AnalyticsMaster of Science in AccountancyMS in Computer ScienceMaster of Science in Business AnalyticsMaster of Business Administration MS in Data ScienceMS in Information TechnologyMaster of Business AdministrationMS in Applied Data ScienceMaster of Business AdministrationMS in Data AnalyticsM.Sc. Data Science (60 ECTS)Master of Business AdministrationMS in Information Technology and Administrative Management MS in Computer Science Master of Business Administration MBA General Management-90 ECTSMSc International Business ManagementMS Data Science MBA Business Technologies MBA Leading Business Transformation Master of Business Administration MSc Business Intelligence and Data ScienceMS Data Analytics MS in Management Information SystemsMSc International Business and ManagementMS Engineering ManagementMS in Machine Learning EngineeringMS in Engineering ManagementMSc Data EngineeringMSc Artificial Intelligence EngineeringMPS in InformaticsMPS in Applied Machine IntelligenceMS in Project ManagementMPS in AnalyticsMBA International Business ManagementMS in Project ManagementMS in Organizational LeadershipMPS in Analytics - NEU CanadaMBA with specializationMPS in Informatics - NEU Canada Master in Business AdministrationMS in Digital Marketing and MediaMS in Project ManagementMaster in Logistics and Supply Chain ManagementMSc Sustainable Tourism and Event ManagementMSc in Circular Economy and Sustainable InnovationMSc in Impact Finance and Fintech ManagementMS Computer ScienceMS in Applied StatisticsMS in Computer Information SystemsMBA in Technology, Innovation and EntrepreneurshipMSc Data Science with Work PlacementMSc Global Business Management with Work Placement MBA with Work PlacementMS in Robotics and Autonomous SystemsMS in Civil EngineeringMS in Internet of ThingsMSc International Logistics and Supply Chain ManagementMBA- Business InformaticsMSc International ManagementMS Computer Science with AIML ConcentrationMBA in Strategic Data Driven ManagementMaster of Business AdministrationMSc Digital MarketingMBA Business and MarketingMaster of Business AdministrationMSc Digital MarketingMSc in Sustainable Luxury and Creative IndustriesMSc in Sustainable Global Supply Chain ManagementMSc in International Corporate FinanceMSc Digital Business Analytics MSc in International HospitalityMSc Luxury and Innovation ManagementMaster of Business Administration-International Business ManagementMS in Computer EngineeringMS in Industrial and Systems EngineeringMSc International Business ManagementMaster in ManagementMSc MarketingMSc Business ManagementMSc Global Supply Chain ManagementMS in Information Systems and Technology with Business Intelligence and Analytics ConcentrationMSc Corporate Finance
For College Students

MS in Digital Marketing and Media From Yeshiva University & Advanced Certificate in Digital Marketing and Communication From MICA

Dual Credentials

12 Months On-campus in Yeshiva University, U.S.A.

7.5 Months Online with MICA

12 - 15 hrs/week

12 Months

Start Date for online Porgram

Coming Soon

Waiver

GRE

up to 36 Months

F-1 VISA and STEM OPT

QS World University Rankings 2022

Ranked #246

in degree cost

Save Upto INR 8 Lakhs

    About the Programme

    Blended Program

    Blended Program

    Study 7.5 months online with MICA and 2nd Year on-campus at Katz School of Science and Health at Yeshiva University, U.S.A.

    Student Support

    Student Support

    Student support is available . You can write to us via studentsupport@upgrad.com or for urgent queries use the " Talk to Us" option on the learn platform.

    End-to-end counseling and visa support

    End-to-end counseling and visa support

    upGrad team will help you with application to Yeshiva University, U.S.A., securing confirmed offer letter & support with US visa application.

    Programme Overview

    Key Highlights

    Dual certification - MICA as well as Yeshiva University
    Dual certification - MICA as well as Yeshiva University
     Study in the heart of New York housing 53 out of Fortune 500 Companies
    Study in the heart of New York housing 53 out of Fortune 500 Companies
    Study with Top US University QS Rank #246 in 2022
    Study with Top US University QS Rank #246 in 2022
    Save upto INR 8 Lakhs for equivalent U.S.A. Master's degree
    Save upto INR 8 Lakhs for equivalent U.S.A. Master's degree
    Eligible to apply for upto 36-months STEM OPT after graduation
    Eligible to apply for upto 36-months STEM OPT after graduation
    GRE Waiver for upGrad learners
    GRE Waiver for upGrad learners
    Ranked 68th in the National Universities by US News & World Report.
    Ranked 68th in the National Universities by US News & World Report.
    Yeshiva University is accredited by Middle States Commission on Higher Education (MSCHE)
    Yeshiva University is accredited by Middle States Commission on Higher Education (MSCHE)
    In-built IELTS prep to be provided by upGrad
    In-built IELTS prep to be provided by upGrad
    End to end support for applications and visa
    End to end support for applications and visa
    World Class Faculty Members & Industry Experts
    World Class Faculty Members & Industry Experts
    One-on-One with Industry Mentors
    One-on-One with Industry Mentors
    Student Support Team
    Student Support Team

    “Our aim is simple: We strive to create high-impact, hands-on experiences that prepare students for meaningful and productive careers.”

    - Ronnie Screwvala, Co-Founder, upGrad

    upgrad_logo__1641883370098

    Top Skills You Will Learn

    Fundamentals of marketing, social media marketing and digitview more

    Job Opportunity

    Brand Manager, Client Servicing Manager, Advertising Managerview more

    Who Is This Programme For?

    Engineers (Freshers and with any experience), Software and Iview more

    Minimum Eligibility

    For MICA-
    • Bachelor’s degree with minimum 65% m
    view more

    Syllabus

    Best-in-class content by leading faculty and industry leaders in the form of videos, cases, and projects.

    Download Syllabus

    Digital Marketing Platforms and Tools

    Certificate

    Advanced Certificate in Digital Marketing and Communication from MICA
    Complete all the modules successfully and receive an Advanced Certificate in Digital Marketing and Communication and Executive Alumni Status. Join a vibrant digital marketing community and become part of one of India's top marketing institutes.
    Advanced Certificate in Digital Marketing and Communication from MICA
    Click to zoom
    • Advanced Certificate from MICA
    • Join MICA executive alumni network
    • Valedictorian ceremony at the MICA campus

    Explore our Learning Platform

    Learn on an AI-powered & personalised platform with best-in-class content, live sessions & mentoring from leading industry experts.
    Explore our Learning Platform

    The upGrad Advantage

    benefits

    Student Support

    Student Support
    Student Support is available. You can write to us via studentsupport@upgrad.com Or for urgent queries, use the "Talk to Us" option on the Learn platform.
      benefits

      Expert Feedback & Learning

      Expert Feedback & Learning
      TA sessions
        Regular live sessions by experts to clarify concept related doubt
          Receive unparalleled guidance from industry mentors, teaching assistants and graders
            benefits

            Q&A Forum

            Q&A Forum
            Peer-to-peer discussion forum where you can post your queries and your peers/faculty/teaching assistants answer your queries within a day. Regular Q&A sessions with faculty to get clarification on conceptual doubts.

              Syllabus

              Best-in-class content by leading faculty and industry leaders in the form of videos, cases and projects, assignments and live sessions.
              Download Brochure
              200+
              Hours of Content
              15+
              Case Studies and Live Projects
              90+
              Tools
              5
              Specialisations

              Management Track (Year 1)

              26 weeks

                Fundamentals of Marketing (Year 1)

                • Get introduced to the basics of Marketing
                • Understand different Digital Marketing channels

                Customer Centricity (Year 1)

                • Understand the importance of being a customer centric brand
                • Understand the motivations of the customer in the buying process

                Digital marketing channels and metrics (Year 1)

                • Identify the digital marketing channels, their capabilities and the customer journey through the purchase funnel, along with key metrics at each stage

                Designing and Building a Web Owned Presence (Year 1)

                • Understand the visual elements of a website
                • Create better landing pages to bring in more conversions

                Social Media Marketing (Year 1)

                • Collect customer data and analyze interactions and visits, plus use this information to create comprehensive reports and improve future marketing strategies and campaigns

                SEO (Year 1)

                • Perform an SEO audit for a website to identify the gaps
                • Suggest improvement strategies to fill the identified gaps

                SEM (Year 1)

                • Identify the different elements of an SEM campaign and how ad auction works
                • Measure and Optimize Search Ad Campaigns
                • Metrics for Tracking Campaigns, mid-campaign interventions to improve results

                Display Advertising (Year 1)

                • Understand the Programmatic Ad Buying Process
                • Learn to run and interpret results of a display ad campaign

                User Nurturing: Email, Remarketing, Lead Qualification (Year 1)

                • Analyze leads based on the lead scores and grades
                • Design and run an Email Marketing Campaign

                Content Marketing (Year 1)

                • Map different content types to relevant digital marketing channels
                • Analyze Content Marketing metrics and reports

                Web Analytics (Year 1)

                • Choose relevant metrics and design custom metrics
                • Build custom dashboards for executive reporting and take decisions based on insights

                Defining a Robust Marketing Strategy (Year 1)

                • Build an integrated marketing strategy

                Planning Digital Marketing Resources (agency vs team) (Year 1)

                • Identify the need for an Agency
                • Understand the key skill sets required in a DM team

                Capstone Project and Ecommerce Bootcamp (Year 1)

                • Apply the learnings from the program and build an end-to-end strategy for a brand campaign
                • Learn how to manage and sell your products through online marketplaces/owned channels

                Soft Skills (Year 1)

                • Identify and demonstrate best practices of verbal, non-verbal and written communication as a digital marketer

                Choose any 1 Specialization (Year 1)

                5 weeks
                • Branding and Communication
                • Social Media and Content Marketing
                • Marketing Analytics
                • Marketing Communications with Focus on Public Relations
                • Generative AI

                Core Courses (Year 2)

                18 Credits
                • Communications
                • Consumer Behavior and Customer Relationship Management
                • Marketing Management and Strategy
                • Brand Management*
                • Marketing Research Methods
                • Marketing Capstone

                Electives - Marketing Analytics Track (Year 2)

                4 Courses
                12 Credits
                • Visual Design and Storytelling
                • Social Computing in the Information and Interaction Age
                • Predictive Analytics
                • Web Analytics and SEO*
                • Omnichannel Communications Optimization
                • Influencer Content Strategy
                • Special Topics
                • Independent Study
                • Internship

                Electives - Digital and Social Strategies Track (Year 2)

                4 Courses
                12 Credits
                • Social Computing in the Information and Interaction Age
                • Applied Social Media
                • Digital Storytelling
                • Web Design and User Experience
                • Web Analytics and SEO*
                • Omnichannel Communications Optimization
                • Influencer Content Strategy
                • Special Topics
                • Independent Study
                • Internship

                *6 credits against this course would be waived upon successful completion of the ACDM MICA with Management Track only.

                  30 total credits are required for this course, please refer to the brochure for more details

                    Industry Projects

                    Learn through real-life industry projects sponsored by top companies across industries
                    • Solve a range of industry-relevant projects in this online digital marketing course
                    • Engage in collaborative projects with your peers
                    • Personalised subjective feedback on your submissions to facilitate improvement

                    Our Learners Work At

                    Top companies from all around the world have recruited upGrad alumni

                    Our Learners Work At

                    Top companies from all around the world have recruited upGrad alumni

                    Admission Process

                    There are 3 simple steps in the Admission Process which is detailed below:

                    Online Program Fee -

                    ₹ NaN (No taxes applicable)

                    View Plans

                    On-Campus Program at Yeshiva University- USD 26,000 (Indicative Tuition Fee)

                    Indicative Living cost per annum in U.S.A. - USD 22,490

                    upGrad reserves the right to modify, amend or change the structure of module delivery & the curriculum, after due consensus with the University partner.

                    Empowering learners of tomorrow

                    Over 2,300 students have completed this course and started working at their dream job, whats stopping you?

                    Start Referring

                    Refer someone and Earn up to INR 50,000 Cashback/Vouchers, on every successful enrollment!

                    Your friend also gets an instant scholarship!

                    upGrad does not grant credit; credits are granted, accepted or transferred at the sole discretion of an educational institution. upGrad does not make any representations regarding the recognition or equivalence of the credits or credentials awarded, unless otherwise expressly stated. If you intend to pursue a post graduate or doctorate degree upon completion of this course or apply for employment which requires specific credits, we advise you to enquire further regarding the suitability of this degree for your academic and/or professional requirements before enrolling.

                    Frequently Asked Questions

                    Course Curriculum

                    What is the scope of the MS in Digital Marketing and Media program?

                    The MS in Digital Marketing and Media is an engaging yet rigorous 7.5 months online (with MICA) and 12-months on-campus (Katz School of Science and Health at Yeshiva University, U.S.A.) program designed for students to develop practical knowledge and skills, establish a professional network, and accelerate entry into the field of media, mobile marketing and digital media. The student as part of this program will receive dual certification - an Advanced Certificate in Digital Marketing and Communication from MICA and a Master’s degree in MS in Digital Marketing and Media from Katz School of Science and Health at Yeshiva University U.S.A.

                    What should I expect from MS in Digital Marketing and Media?

                    Katz School of Science and Health at Yeshiva University's MS in Digital Marketing and Media program equips students with the skills needed to meet the high demand in the field of digital media. The curriculum focuses on essential areas such as communications, digital and social strategies, and marketing analytics, and provides hands-on experience through real-world projects. With diverse programming options, students can tailor their studies to align with their interests and career goals. Additionally, the program facilitates the development of a strong professional network, allowing students to connect with industry leaders. Graduates of the program can pursue rewarding careers as Brand Manager, Client Servicing Manager, Advertising Manager, Senior Digital Marketing Analysts, Digital and Website Specialist, Social Media Manager. Upon program completion, students also have the opportunity to apply for OPT in the U.S.A., and receive support from Katz School of Science and Health at Yeshiva University Career Services to kickstart their careers in the United States.

                    Which topics are going to be covered as part of the online coursework?

                    The program is designed for professionals with limited marketing experience to help them build their understanding from the basics to an advanced level. The program covers topics such as fundamentals of marketing, social media marketing and digital marketing channels and metrics as well as important marketing concepts such as SEO, SEM, content marketing, web analytics, display advertising and many more.

                    What type of learning experience should I expect from the online coursework?

                    The online learning experience will be a mix of interactive lectures from industry leaders as well as world-renowned faculty. Additionally, the program comprises live lectures dedicated to solving your academic queries and reinforcing learning.

                    Is any certification granted at the end of the program?

                    Post successful completion of the online program, an Advanced Certificate in Digital Marketing and Communication certificate would be awarded from MICA and on completion of the on-campus degree program, a Master's degree in MS in Digital Marketing and Media shall be conferred upon by Katz School of Science and Health at Yeshiva University.

                    Can I sign up only for a few specific modules if I am interested in it?

                    No, the program is designed to be completed in its entirety, and cannot be taken as standalone modules.

                    About Katz School of Science and Health at Yeshiva University, U.S.A.

                    Why should you pursue MS in Digital Marketing and Media from Katz School of Science and Health at Yeshiva University, U.S.A.?

                    • Learn Evidence-Driven Marketing Strategies: Students learn strategies backed by data and evidence to identify and segment markets, engage potential consumers, and convert them into loyal customers.
                    • Experiential Learning: Students receive the opportunities to gain industry experience via internships and research projects, allowing them to apply their skills in real-world settings and build a strong portfolio.
                    • STEM-OPT Eligibility: International students can benefit from Optional Practical Training (OPT) opportunities in the STEM field, allowing them to gain valuable work experience in the United States after graduation.
                    • Unparalleled Learning & Growth Opportunities: The U.S. has a thriving digital marketing industry, with many companies actively seeking skilled professionals. Moreover, New York City is one of the world’s leading digital metropolises. 
                    • Career Opportunities: Yeshiva has impressive career outcomes, as 95% of its graduates secure employment within 6 months of completing the coursework, indicating Yeshiva’s commitment to laying the foundation for graduates’ successful careers and facilitating valuable job connections. 
                    • Career Support and Networking: Yeshiva focuses on building meaningful professional relationships for its graduates via Shevet Glaubach Center for Career Strategy and Professional Development.
                    • Expert’s Guidance: Learners receive industry mentorship and receive the opportunity to showcase and publish their research at Katz School's annual Symposium on Science, Technology, and Health.
                    • Lucrative Salaries: Per Glassdoor, the estimated total pay for a Digital Marketing Graduate is $69,400 per year in the U.S.A.


                    Can international students work to pay for their educational expenses?

                    All students in the USA with a valid F-1 Visa are not eligible to work off-campus. Rather, such students are eligible to work on-campus as graduate assistants or research assistants or other on-campus ad-hoc jobs and receive compensation, beginning in their first semester. The list of available positions will be provided in advance of the Fall semester (please note the number of these positions are limited and not guaranteed).

                    Will I be supported for TOEFL/IELTS/PTE or other English language exams during this program?

                    Yes, upGrad will help you prepare for the English proficiency test to establish your current English proficiency to be eligible for the Master's program in the U.S.A.

                    When will I go to Katz School of Science and Health at Yeshiva University, U.S.A.?

                    Katz School of Science and Health at Yeshiva University offers 2 intakes for students coming through the accelerator route. The first intake of the year will be the January (spring) intake and the second intake of the year will be September (Fall). Though the application process for Katz School of Science and Health at Yeshiva University will start during the MICA online program, you will be able to go to Katz School of Science and Health at Yeshiva University in the nearest intake which is at least 3 months away from completion of your MICA program.

                    When will I get Offer Letter from Katz School of Science and Health at Yeshiva University?

                    upGrad will apply for you to Katz School of Science and Health at Yeshiva University once all the documents are provided by you (as given in the offer letter issued to you by upGrad). Apart from the documents mentioned in the offer letter of Katz School of Science and Health at Yeshiva University you will have to give proof of English proficiency for application of admission in Katz School of Science and Health at Yeshiva University. upGrad will support you to get your English proficiency scores within 3 months of the start of the batch to accelerate this process.

                    Selection Criteria

                    How do I know if the programme is right for me?

                    1. Yeshiva's M.S. in Digital Marketing and Media is ideal for individuals aiming to excel in the rapidly evolving marketing landscape, which includes the metaverse, AI, virtual & augmented reality, hybrid events, mobile marketing, hyper-personalization, and marketing automation.
                    2. This STEM-approved program offers an interactive learning approach through blended learning, case studies, and immersive projects, equipping learners with the skills to thrive in the fast-paced, hyper-connected marketing world.
                    3. Graduates of the program can pursue diverse global career opportunities as Brand Managers, Advertising Managers, Social Media Managers, and more, making it a valuable choice for aspiring marketing professionals.

                    Is there any minimum educational qualification required to take this program?

                    To be eligible for the program, the following criteria need to be fulfilled: 
                    For MICA:

                    • Bachelor’s degree with minimum 65% marks or above. The awarding University must be NAAC A or higher (The HEI must have been rated in 2021/2022/2023/2024).
                    • Maximum backlogs (ATKTs) accepted will be 5.
                       

                    For Yeshiva University:

                    • An aggregate score of 65% or 6.5 CGPA or above in the Advanced Certificate in Digital Marketing and Communication from MICA with a minimum of 65% or 6.5 CGPA in each core course.
                    • English Proficiency Requirements are TOEFL of >=85 overall with sectional score on speaking no less than 20 and other sections no less than 18 or IELTS Academic >= 6.5 overall with no sectional score less than 6.0 or Duolingo -115 overall with no sectional score less than 100 or PTE - 61 overall with no sectional score below 55.


                    Is work experience required for this course?

                    A relevant professional work experience is recommended but not mandatory.

                    What is the application process for the program and what are the timelines?

                    You can start the application process by submitting the application. Applications have already started for the next cohort.

                    What is the selection process for this program?

                    There are 4 simple steps in the Admission Process which is detailed as.
                    Step 1- Complete Application -Complete your application and submit the required details. The Admissions Committee will then review your application - which include your work experience & educational background.
                    Step 2- Apply for the Scholarship- Submit your Statement of Purpose to join a MICA Program.
                    Step 3- Get Shortlisted & Receive the Offer Letter- Upon qualifying, an Offer Letter will be sent to you confirming your admission to the course.
                    Step 4- Block your Seat - Block your seat with an initial payment of INR 25,000 to enroll into the Program. Begin your leadership journey.

                    What is the list of documents required for the application ?

                    • Class 12th transcripts
                    • Official associate degree, transcript, stating degree conferral and date
                    • Copies of passport
                    • Statement of Purpose
                    • Two letters of recommendation (academic/professional)
                    • Resume
                    • Proof of English Proficiency (TOEFL iBT, IELTS, PTE, etc.)

                    Time Commitment

                    What is the time commitment expected for the program?

                    At least 12-15 hours per week of time commitment is expected to be able to complete this program.

                    How will my doubts/questions be addressed in an online programme?

                    Peer-to-peer discussion forum where you can post your queries and your peers/faculty/teaching assistants answer your queries within a day. Regular Q&A sessions with faculty to get clarification on conceptual doubts.

                    Payment

                    No cost CC EMI FAQ's

                    0% EMI with Finance partners /Credit card option availability will vary program wise.

                    1. Which banks allow using 0% Credit card EMI or Credit card EMI?
                    No cost EMI is available on credit cards from all major banks (American Express, Bank of Baroda, HDFC Bank, ICICI Bank, IndusInd Bank, Kotak Mahindra Bank, RBL Bank, Standard Chartered, Axis Bank, Yes Bank, State Bank of India, CITIBANK and HSBC)
                    2. Is there any minimum transaction limit ?
                    Yes. 50000 is the minimum.

                    3. Standard Chartered Bank offers 18 or 24 months No Cost EMI ?
                    No. ONLY 12 months is available irrespective of the Program enrolled.

                    4. Will I have to pay any extra amount for the EMI transaction?
                    If you are availing 0% credit card EMI, upGrad will not charge any processing fees or down payment for these transactions. Your bank may levy GST or other taxes on the interest component of the EMI.

                    5. Are there any fees or down payment?
                    Certain banks charge nominal processing fees between INR 99 - 500 on 0% Credit Card EMI transaction. If charged, will be billed in the first repayment installment.

                    6. Can I use my International credit card for 0% credit EMI or Credit Card EMI?
                    Only the Indian bank credit cards can be used. But you can pay the amount using the Credit card option in one shot / part payments, and later you can convert into EMI from your respective bank. The tenures and interest charged will depend on your bank. upGrad will not charge any processing fees or down payment for these transactions, this will be purely between you and your bank.

                    7. Are there any charges in case I opt for cancellation/refund from the course after paying balance with no cost EMI ?
                    Yes, there will be additional charges to the extent of interest paid by the upGrad to the bank, you will be refunded only Principal amount, i.e. the amount actually deducted/blocked from your card. This deduction will be in addition to the amount mentioned in the refund policy shared with your offer letter.

                    8. Can I Pay Using Multiple Credit Cards ?
                    Multiple cards can be used to complete the payments using Part payment option make sure to inform the learner, minimum transaction is INR 50000 to opt for 0% CC EMI E.g. Amount to be paid: 150000. I can pay using 2 Credit cards. Yes, Example :
                    HDFC Card – Part payment – INR 100000
                    ICICI Card – Part payment – INR 50000

                    9. How can I opt for Credit card EMI if my bank is not listed in the 0% Credit card EMI or Credit card EMI?
                    You can pay the amount using the Credit card option in one shot / part payments, and later you can convert into EMI from your respective bank. The tenures and interest charged will depend on your bank. upGrad will not charge any processing fees or down payment for these transactions.

                    10. Why is the entire amount blocked on my credit card?
                    Initially your bank will block the entire amount from your available purchase limit and from your next billing cycle, you will be charged the EMI amount. As you start paying your EMI, your credit limit will be released accordingly. For example, if you have made a payment of ₹100000 on 6-months EMI and your credit limit is ₹200,000 then initially your bank will block your credit limit by ₹100000. After payment of your first month EMI of Rs.15000, the blocked amount will come down to ₹85000.

                    11. Why is interest getting charged on No Cost EMI?
                    Your bank will charge you interest. However, this interest charge has been provided to you as an upfront discount at the time of your payment, effectively giving you the benefit of a No cost EMI. The total amount paid during the entire EMI tenure to the bank will be equal to the amount to be paid to upGrad.

                    Eg. Amount payable to upGrad: INR 405000
                    Let's say Amount deducted at the time of transaction: INR 379850 (Principal amount) Bank charges interest of 12-15% per annum on INR 379850
                    [Note: Interest factor is reducing rate and not Flat rate]
                    EMI AMOUNT = INR 33750 x 12 = INR 405000
                    Effectively, you have taken loan on 379,850 instead of 405,000

                    Refund policy

                    Is there any deferral or refund policy for this program?

                    Refund Policy:
                    1. Students must pay an applicable Caution Amount for the enrollment to the Program. This Caution Amount will be adjustable against the total Program fee payable by the student. 
                    2. Once the student has made a partial or full payment of Program fee, such student can claim a refund for this amount at any time before the cohort commencement date by raising a refund request through ‘My applications’ page on our website (www.upgrad.com), stating the specific reason for the refund. The refund shall be subject to a deduction of INR. 20,000/- towards processing fee. If less than INR. 20,000/- have been paid in total, students shall not be eligible for any refund in such a case. 
                    3. Students shall not be eligible for a refund (under any circumstances) if the refund request is raised postprogram/Batch Start Date. In such a case, the student will continue to pay the EMI of his loan (if applicable), as the loan cannot be canceled. This is also applicable to students who could not complete their payment and could not get enrolled in their opted cohort. However, the student can request a PreProgram deferral as per the policy defined below for the same. 
                    4. Studentshall not be eligible for refund of any amount paid towards the Program in case any discrepancy is identified between your application and self-attested documents including but not limited to wrong details about your grades or any other incorrect information provided in your application. 
                    5. In case of a valid refund request post obtaining the loan from a third party credit facility provider, we would like to clarify that the responsibility of canceling the loan will lie with the student as upGrad is not privy to such arrangements between the student and the third party credit facility provider. 
                    6. If students do not provide documents as per the timeline mentioned in the offer letter, they will be deferred to the next batch but they will not be eligible for any refunds.

                    Deferral Policy: (Pre- Program Commencement)
                    1. If a Learner, due to unavoidable circumstances is unable to commence with the cohort and requests for a deferral before the Cohort Commencement Date, Learner will have an option to defer to another batch. 
                    2. However, the learner will be required to pay 50% of the Total Program Fee amount (inclusive of taxes) before the deferral can be approved. Till this condition is complied with, the Learner will be assumed to be continuing in the same cohort. 
                    3. A Learner can request for deferral only once and to either of the scheduled cohorts to start in the next 1 year from the batch start date of the initial batch the Learner enrolled for. 
                    4. The Learner has time till the current Cohort Commencement Date to make the payment of the 50% of the Total Program Fee, post which the deferral request will expire. Once the deferral window expires and the Learner asks for a refund after the Cohort Commencement Date, the above-mentioned applicable refund policy will apply. 
                    5. The fee applicable to the deferred Learner will be as per prevailing Total Program Fee for the batch Learner as opted to defer to (No additional deferral fee is required to be paid).

                    Deferral Policy: (Post Program Commencement)
                    1. If a learner is facing severe issues in dedicating time to the course, Learner will have an option to defer to another batch.A Learner can request for deferral only once and to either of the scheduled cohorts to start in the next 1 year from the Cohort Commencement Date of the initial batch the Learner enrolled for. 
                    2. The Learner will be required to pay a deferral fee of 5% of the Total Program Fee (inclusive of taxes) if any along with the differential program fees between the two cohorts. 
                    3. The deferral request will be approved once the deferral fee is paid. 
                    4. Till this condition is complied, the Learner will be assumed to be continuing in the same cohort. 
                    5. The Learner has 7 days (including holidays and weekends) from the date of deferral request to make the payment of the deferral fee, post which the deferral request will expire, and the learner will continue as part of the current cohort. 
                    6. If the Learner completes the deferral payment, the Learner’s login will be disabled, The Learner will leave the deferred cohort and the Learner will start learning on the new cohort from the point of the last assignment that was graded in the deferred cohort. All grades and progress till that point will be carried forward as it is to the new cohort. 
                    7. The deferral can only be requested during the batch for which the Learner has enrolled is ongoing. Once the batch has been completed, deferral requests shall not be entertained. For clarification, the batch completion here shall mean the “last grace deadline” as communicated by upGrad. Case Deferral fee Before Program Commencement 50% program fee (including taxes) to be paid upfront- no additional deferral fee to be paid Post Program Commencement (0-7 days after program start date) 5% of the program fee (including taxes) to be paid within 7 days as deferral fee Post Program Commencement (8 days after program start date) Will have to continue as a part of the current cohort.

                    CaseDeferral fee
                    Before Program Commencement50% program fee (including taxes) to be paid upfront- no additional deferral fee to be paid
                    Post Program Commencement (0-7 days after program start date)5% of the program fee (including taxes) to be paid within 7 days as deferral fee
                    Post Program Commencement (8 days after program start date)Will have to continue as a part of the current cohort