Q: Who is this program for?

For IT professionals: Roles in the IT industry are evolving rapidly, and one is now expected to have a better understanding of analytics. Hence, to lead such teams, managers are expected to have knowledge of analytics in addition to having strong leadership qualities. This program will help you with both. For non-IT professionals: With each and every business decision becoming data-driven, analytics is a de-facto skill expected from any manager, as you would be the one making decisions. This program will help you understand how to convert a business problem into an analytics problem and then solve it. So, if you are aiming to lead the teams working on solving problems of the digital age, start your own business, or even consult others in making business decisions, then this program is meant for you.

Q: What is the minimum eligibility for this program?

For Online Program- Students with a 3 or 4-year bachelor’s degree having a minimum of 55% marks are eligible to apply. Applications of students with a lower score percentage will be evaluated based on their Statement of Purpose and work experience. For Transfer to On-Campus* - -The Student must successfully complete six specific modules/courses (18 Credits) of the online program with an aggregate of minimum 3.0 CGPA with a minimum passing grade of C- (or 1.7 CGPA) in each course before reaching the university. - English Proficiency Requirement : TOEFL (iBT) >/=79, or IELTS >/= 6.5, or PTE >/= 57, or Duolingo >/= 100 *Note: ● Non-compliance with or failure to meet the aforementioned on-campus transfer requirements will lead to the termination of your F-1 visa. ● upGrad expressly disclaims all/any responsibility if Students choose to travel to the US without meeting the on-campus transfer criteria as specified above. Any and all consequences or issues that may arise due to students' decision to travel without meeting the specified on-campus transfer criteria shall be the sole responsibility of the students.

Question 1

Who is this program for?

Accepted Answer

For IT professionals: Roles in the IT industry are evolving rapidly, and one is now expected to have a better understanding of analytics. Hence, to lead such teams, managers are expected to have knowledge of analytics in addition to having strong leadership qualities. This program will help you with both.

For non-IT professionals: With each and every business decision becoming data-driven, analytics is a de-facto skill expected from any manager, as you would be the one making decisions. This program will help you understand how to convert a business problem into an analytics problem and then solve it. So, if you are aiming to lead the teams working on solving problems of the digital age, start your own business, or even consult others in making business decisions, then this program is meant for you.

Question 2

What is the minimum eligibility for this program?

Accepted Answer

For Online Program-
Students with a 3 or 4-year bachelor’s degree having a minimum of 55% marks are eligible to apply. Applications of students with a lower score percentage will be evaluated based on their Statement of Purpose and work experience.
For Transfer to On-Campus*-
-The Student must successfully complete six specific modules/courses (18 Credits) of the online program with an aggregate of minimum 3.0 CGPA with a minimum passing grade of C- (or 1.7 CGPA) in each course before reaching the university.
- English Proficiency Requirement : TOEFL (iBT) >/=79, or IELTS >/= 6.5, or PTE >/= 57, or Duolingo >/= 100
*Note:

● Non-compliance with or failure to meet the aforementioned on-campus transfer requirements will lead to the termination of your F-1 visa.

● upGrad expressly disclaims all/any responsibility if Students choose to travel to the US without meeting the on-campus transfer criteria as specified above. Any and all consequences or issues that may arise due to students' decision to travel without meeting the specified on-campus transfer criteria shall be the sole responsibility of the students.

Question 3

How do I become eligible for the scholarship? What is the application process?

Accepted Answer

The scholarship is rolled out based on academic and professional achievements. Once the application form is submitted with these details, the admission committee reviews the same. If you are admitted into the program, the scholarship you are eligible for will be mentioned on the Offer Letter. Please note that admission is provisional until successful verification of supporting documents.

Question 4

Can international students work to pay for their educational expenses?

Accepted Answer

Although there are a limited number of part-time, on-campus jobs for international students, the income from these jobs is only sufficient to provide “pocket money”; you will not earn enough income to pay for a significant portion of your educational expenses. The US government prohibits international students from working outside the University.

Question 5

Will upGrad help me in writing Academic and Visa SOP?

Accepted Answer

UpGrad will help with your Academic and Visa SOP and organize training on how to write an effective SOP.

Question 6

How much are living expenses for a year in the USA?

Accepted Answer

Living expenses in the USA for international students are approximately USD 20,000.

Question 7

What is the time commitment expected for the Program?

Accepted Answer

Upto 12-15 Hours/Week of time commitment is expected to be able to graduate from the program.

Question 8

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

Accepted Answer

Student Support team 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.

Additionally, an upGrad buddy will enhance the learners’ experience by engaging with them to ensure they are on track with upcoming deadlines, and submissions. They will aslo offer guidance and resolve non-academic queries.

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

Question 9

How much do I pay to block my seat?

Accepted Answer

You need to pay INR 25,000 to block your seat.

Question 10

No cost CC EMI FAQ's

Accepted Answer

0% EMI with Third Party Credit Facilitators /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, Indus Ind Bank, Kotak Mahindra Bank, RBL Bank, Standard Chartered, Axis Bank, Yes Bank, State Bank of India)

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 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

Question 11

Is there any deferral or refund policy for this program?

Accepted Answer

Refund Policy:
1. Learner can claim a refund for the amount paid towards the Program at any time, before the Cohort Commencement Date, by visiting www.upgrad.com and submitting duly filled refund form via the "My Application" section under profile. Processing fee of INR 20,000 will be levied while processing the refund. If a Learner has paid less than INR 20,000 while registering for the program, the Learner shall not be eligible for any refund in such case.
2. Learner shall not be eligible for any refund under any circumstances if refund request is raised post Cohort Commencement Date and Learner will continue to pay the monthly EMI for loan (if applicable) and such loan cannot be canceled. This is also applicable for those Learners who could not complete their payment and could not be enrolled in the cohort opted for. However, the Learner can raise a request for Pre-Program deferral as per the policy defined below for the same.
3. In case of a refund as per point 1 of this policy, the Learner will be solely responsible for any cancellation of loan, including but not limited to applicable loan cancellation charges levied on the total canceled loan amount. These charges will be decided by the third-party financial institution that has granted given loan to the Learner and upGrad will have no role to play in deciding the quantum of these charges.
4. Learners must pay the full fee within 7 days of payment of Caution Money or Cohort Commencement Date, whichever is earlier, otherwise the admission letter will be rescinded.
5. Request for refund should be sent via email in the prescribed Refund Request Form, post completing the steps as per point 1 of this Refund Policy. The refund will be processed within 30 working days of commencement of the program after being duly approved by the upGrad Admissions Team.

Case	Fee Deducted/Charge
Before Program Commencement	- INR 20,000 (processing fee)
Post Program Commencement	- No Refund Possible

Deferral Policy: (Pre- Program Commencement)

- 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.
- 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.
- 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.
- 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.
- 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)

- 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.
- The Learner will be required to pay a deferral fee of 10% of the Total Program Fee (inclusive of taxes) if any along with the differential program fees between the two cohorts.
- The deferral request will be approved once the deferral fee is paid.
- Till this condition is complied, the Learner will be assumed to be continuing in the same cohort.
- 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.
- 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 .
- 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% programfee (including taxes)to be paid upfront- no additional deferral fee to be paid
Post ProgramCommencement (0-7 days after program start date)	10% 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

Question 12

How can I avail the GGU Global Leadership Scholarship?

Accepted Answer

For more details, please refer to the following link: https://www.goldengateuniversity.com/scholarship

Master of Science in Business Analytics from Golden Gate University

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