MSc International Business Management | St. Mary's University Twickenham London

For IMT Ghaziabad:

• Applicants must have scored 50% and above marks in Bachelor's degree.
  Note: For students with a study gap, work experience is required. The duration of work experience be relative to the study gap i.e. 70-80% of time spent gaining relevant experience.

For St. Mary's University, Twickenham, London:

• Applicants must complete the Advanced General Management Program from IMT Ghaziabad with 57% and above marks (CGPA 6.0 average).
• IELTS 6.5 overall (with no less than 6.0 in each section) or PTE Academic 61 overall (with 51 in each section).

Yes, upGrad will help you prepare for the English proficiency test to develop/enhance your current English proficiency to be eligible for the MSc International Business Management with program in the United Kingdom.

This MSc International Business Management degree is an ideal degree for anyone looking for a career in management with an international scope and to build a professional network around the globe. Students in this program will receive a AGM Program Certificate from IMT Ghaziabad, and a MSc International Business Management degree from St. Mary's University Twickenham London. Students will study for 11 months online with IMT to complete the AGM program and will be transferred to St. Mary's University Twickenham London after meeting the eligibility criteria as mentioned in the brochure.

• Respond strategically to business challenges and opportunities.
• Assess ethical implications of business activities.
• Develop, implement and evaluate solutions to business problems.
• Formulate business decisions and systematic analysis that reflects critical thinking.
• Demonstrate effective skills to collaborate with diverse groups of people.

The program will be delivered on a new technology platform to create a superior learning experience for participants who want to be on the cutting edge of management. With this program, IMT Ghaziabad & St. Mary's University Twickenham London, UK together seeks to develop the next generation of leaders. The topics that are going to be covered are Marketing Management, Business Communication, Accounting & Finance, Decision Sciences, Business Economics, OB, HR Legal, Sales & Distribution, Business Strategy, and Supply Chain Management.

The content will be a mix of interactive lectures from industry leaders as well as world-renowned faculty. Additionally, the program comprises of live lectures and doubt-resolution sessions dedicated to solving your academic queries and reinforcing learning. The on-campus curriculum is focused on classroom teaching.

Post successful completion of the program, a Advanced General Management Program certificate would be awarded from IMT Ghaziabad and a Master's degree in MSc International Business Management shall be conferred upon by St. Mary's University Twickenham London, UK.

Yes. International students in the UK are allowed to work on-campus for up to 20 hours per week during academic sessions and full-time during vacations.

St. Mary's University Twickenham London helps students through the decision-making process by talking to you about your specific goals, interests, and skills and what kind of jobs you can get with different majors.

St Mary's University, Twickenham is a public university in Strawberry Hill, Twickenham, in South West London. It’s location is hard to beat. The University has all the advantages of a great London location along with the peace of a beautiful self-contained campus in the safe, leafy suburb of Strawberry Hill. Kingston, Richmond, and central London are close by as well.

St. Mary's University Twickenham London will have 2 intakes for students coming through this route. The first intake of the year will be the January (Spring) intake and the last intake of the year will be September (Fall) intake. Though the application process for St. Mary's University Twickenham London will start during the IMT Ghaziabad online program, you will be able to go to St. Mary's University Twickenham London in the nearest intake which is at least 3 months away from completion of your IMT Ghaziabad program.

upGrad will apply for a conditional offer letter at St. Mary's University Twickenham London once all the required 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 from St. Mary's University Twickenham London, you will have to give proof of English proficiency for application of admission to St. Mary's University Twickenham London. upGrad will support you to get your English proficiency scores within 3 months of the start of the batch to accelerate this process.
Once you will submit transcript/certificate of Advanced General Management Program from IMT Ghaziabad you will get unconditional offer letter from the St. Mary's University Twickenham London.

The list of documents which are required to make an application to St. Mary's University Twickenham London for a conditional offer letter are:

• Academic Transcript/Marksheet
• Academic Degree
• One Academic Reference
• Personal Statement
• Passport
• Student Resume
• English Language Proficiency Scorecard (If available)

For an unconditional offer letter, the students need to provide IMT Ghaziabad Transcript and English Language Proficiency Scorecard (if not submitted at the time of conditional offer letter).

Yes, upGrad will help with your Academic and Visa SOP and will also organize training on how to write a good SOP.

Living expenses in the UK for international students are approximately GBP 12,000.

At least 12-15 hours per week of time commitment is expected to be able to graduate from the online program. The on-campus program in the UK is full-time and will have an appropriate workload.

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.

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. 50,000 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 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 50,000 to opt for 0% CC EMI E.g. Amount to be paid: 1,50,000. I can pay using 2 Credit cards. Yes, Example :
HDFC Card – Part payment – INR 1,00,000
ICICI Card – Part payment – INR 50,000

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 INR 1,00,000 on a 6-month EMI and your credit limit is INR 2,00,000 then initially your bank will block your credit limit by INR 1,00,000. After payment of your first month's EMI of INR 15,000, the blocked amount will come down to INR 85,000.

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 4,05,000
Let's say Amount deducted at the time of the transaction: INR 3,79,850 (Principal amount) Bank charges interest of 12-15% per annum on INR 3,79,850
[Note: Interest factor is reducing rate and not Flat rate]
EMI AMOUNT = INR 33,750 x 12 = INR 4,05,000
Effectively, you have taken loan on 3,79,850 instead of 4,05,000

Refund Policy: (Programs with prep-session component) 

• Students must pay applicable caution money for the enrolment to the Program. This caution amount will be adjustable against the total Program fee payable by the student.
• You 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 your refund form via the "My Application" section under your profile. Processing fee of INR 20,000/- will be levied. If less than INR 20,000/- have been paid in total, the student shall not be eligible for any refund in such case.
• The student shall not be eligible for any refund under any circumstances if any such refund requests are raised post Cohort Commencement Date and student will continue to pay the EMI for the loan (if applicable) and such loan cannot be cancelled. This is also applicable for those students who could not complete their payment and could not be enrolled in the cohort opted for. However, the student can raise a request for Pre-Program deferral as per the policy defined below for the same.
• In case of a refund, the student will be solely responsible for any cancellation of the loan, including but not limited to applicable loan cancellation charges levied on the total cancelled loan amount.
• Students 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.
• Request for refund must be sent via e-mail in the prescribed Refund Request Form. The refund will be processed within 30 working days of commencement of the program after being duly approved by the Academic Committee.
  
  Deferral Policy: (Pre- Program Commencement) 
• If a student, due to unavoidable circumstances is unable to commence with the cohort and requests for a deferral before the cohort starts, we provide the opportunity for the student to defer to another batch.
• However, the student will be required to pay 50% of the total course fee amount (inclusive of taxes) before the deferral can be approved. Till this is completed, the student will be assumed to be continuing in the same cohort.
• A student 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 student enrolled for.
• The student has time till the current cohort launch date to make the payment of the 50% program fee, post which the deferral request will expire. Once the deferral window expires and the student now asks for a refund, the above-mentioned applicable refund policy will apply.
• The fee applicable to the deferred student will be as per prevailing fee for the batch student as opted to defer to (No additional deferral fee is required to be paid).
  
  Deferral Policy: (Post Program Commencement) 
• If a student is facing severe issues in dedicating time to the course, we provide the opportunity for the student to defer to another batch.
• A student 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 student enrolled for.
• The student will be required to pay deferral fees of 10% of the total course amount fee + 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 is completed, the student will be assumed to be continuing in the same cohort.
• The student 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 student will continue as part of the current cohort.
• If the student completes the deferral payment, the student’s login will be disabled, the student will leave the deferred cohort and the student 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. For clarification, the grades of the graded assignments will be carried forward, whether the student had submitted these grading during the initial stage.
• The deferral can only be requested during the batch for which the student 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.