PRODUCT MANAGEMENT Online Certificate Program

Any graduate or 10+2+3 diploma holder can do the program.

No, you have to complete the program in 3 months 

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

At least 3-5 hours per week of time commitment is expected to be able to graduate from the Program. 

The content 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.

Refund Policy: (Programs without prep-session component)

• Student must pay applicable caution money for the enrollment of the course. This will be adjustable against the total course fee payable by the student.
• You can claim a refund for the amount paid towards the Program at any time, before the Program Start Date, by visiting www.upgrad.com and submitting your refund form via the "My Application" section under your profile. You can request your Admissions Counselor to help you in applying and withdrawing for a refund by sending them an email with reasons listed.
• There shall be no refund applicable once the program has started. This is applicable even for those students who could not complete their payment, and could not be enrolled in the batch opted for. However, the student can avail pre-deferral as per the policy defined below for the same.
• Once the student pays block amount, "any" refund shall be subject to deduction of ₹10,000 processing charges.
• Student has to pay the full fee within 15 days of payment of caution money or cohort start date, whichever is earlier, otherwise, the admission letter will be rescinded and processing fee of ₹10,000 will be levied.
• Refund shall be processed to an eligible student within 30 working days from the date of receipt of written application from him/her in this regard.

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 to either of the next two consecutive cohorts from the start date of the initial batch in which the student was originally enrolled for.
• The student will be required to pay a 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 until 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 or not 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 completed, deferral requests shall not be entertained. For clarification, the batch completion here shall mean the "last grace deadline" as communicated by upGrad.

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 cohort.
• To do so, the student will be required to pay 50% of the total Program 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 to any of the cohorts starting in the next 3 months from the start date of the initial batch in which the student was originally enrolled. For the first deferral request, subject to the point no. 2 of the Pre-Program Deferral Policy, no additional charges shall be levied.
• If a student wants to defer his enrolment a second time, such student will have to make an additional payment of Rs.10,000 as Deferral fee, and this amount shall be non-refundable under any circumstances. Once this payment is done, students will be eligible to defer to any of the cohorts starting in the next 3 months from the current cohort.
• The student has time till the current cohort launch date to make the payment of the balance 50% Program fee, post which the deferral request will expire. Once the deferral window expires and if such a student wants to withdraw his or her enrolment from the said Program, the refund policy will be applicable.
• The student shall be liable to pay the differential Program fees between the two cohorts if any.

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 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