Q: Time Commitment

1.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. 2.How will my doubts/questions be addressed in an online program? Our Student Support is available. You can write to us via studentsupport@upgrad.com or for urgent queries, using 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 offer guidance and resolve their non-academic queries. 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.

Question 1

Course Curriculum

Accepted Answer

1.What is the scope of the Bachelor of Commerce program?

The Bachelor of Commerce is an engaging yet rigorous 12 months online (with Golden Gate University) and 24-months on-campus (The University of Newcastle, Australia) program designed for students to develop practical knowledge and skills, establish a professional network, and accelerate entry into the field of Financial Analyst, Accountant, Auditor, Investment Consultant, Economist. The student as part of this program will receive a Undergraduate Certificate in Business Management from Golden Gate University and a Bachelor's degree in Bachelor of Commerce from The University of Newcastle, Australia.

2.What should I expect from the Bachelor of Commerce Program at the University of Newcastle?

The Bachelor of Commerce at the University of Newcastle, Australia is tailored for students aspiring to build strong, future-focused careers in finance, accounting, economics, taxation, and business analytics. This program goes beyond traditional classroom learning, offering practical, data-driven insights into how organizations make financial and strategic decisions in the real world.

Students gain hands-on exposure through internships, industry case studies, and applied projects, working alongside Australian professionals and businesses. With Newcastle’s strong connections to the financial and corporate sectors, students develop the expertise to analyze markets, manage resources, and advise organizations effectively.

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

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, Golden Gate University Worldwide & The University of Newcastle, Australia together seek to develop the next generation of leaders. The topics that are going to be covered are Principles of microeconomics, Principles of macroeconomics, Statistics, Introductory Financial Accounting, Critical thinking, and much more.

4.What type of learning experience should I expect from 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. The on-campus learning experience will offer students the opportunity to engage directly with faculty.

5.Is any certification granted at the end of the program?

Post successful completion of the online program, an Undergraduate Certificate in Business Management would be awarded from GGU, and on completion of the on-campus degree program, a bachelor's degree in Bachelor of Commerce shall be conferred upon by The University of Newcastle.

6.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.

Question 2

About The University of Newcastle, Australia

Accepted Answer

1.Why should you pursue a Bachelor of Commerce from The University of Newcastle?

Choosing to study Commerce at Newcastle means studying in a city that combines affordability, career access, and lifestyle. Students benefit from Australia’s strong financial job market and the University’s industry partnerships with accounting firms, banks, and consulting companies. The curriculum is shaped by current global trends in finance, business analytics, and data-driven decision-making, ensuring that graduates are ahead of the curve. Newcastle’s supportive environment and proximity to Sydney (just two hours away) further enhance networking and employment possibilities.

Graduates emerge with not only academic expertise but also practical business acumen and professional confidence, making them competitive in both Australian and international markets. Whether working for top consulting firms, financial institutions, or launching their own ventures, students from the University of Newcastle’s Bachelor of Commerce program are well-positioned for long-term career success in the global economy.

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

If you are not entitled to an IELTS waiver, upGrad will help you prepare for the English proficiency test to establish your current English proficiency to be eligible for the Bachelor's program in Australia.

3.When will I go to The University of Newcastle, Australia?

The University of Newcastle offers 1 intake of January for students coming through the accelerator route. Though the application process for The University of Newcastle will start during the GGU online program, you will be able to go to The University of Newcastle in the nearest intake which is at least 3 months away from completion of your GGU program.

4.What are the part-time working rules in Australia?

The students can work 48 hours per week during academics whereas there is no time limit during vacations.

5.When will I get an Offer Letter from The University of Newcastle?

upGrad will apply for you to The University of Newcastle 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 The University of Newcastle you will have to give proof of English proficiency for application of admission in The University of Newcastle. If applicable (case-by-case), upGrad will support you to get your English proficiency scores within 3 months of the start of the batch to accelerate this process.

Question 3

Selection Criteria

Accepted Answer

1.How do I know if the program is right for me?

· A strong academic background is desirable, providing an advantage in the Bachelor of Commerce program.

· The program suits diverse career aspirations, including roles like Financial Analyst, Accountant, Auditor, Investment Consultant, Economist, and many more.

· Graduates emerge with not only academic expertise but also practical business acumen and professional confidence, making them competitive in both Australian and international markets.

2.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 GGU:

● Students should have scored a minimum of 60% in Class 12th in Business, Commerce or Science stream (eg. A level, CBSE, IBDP, ISC).

● Students who have completed class 12th in the last five academic years (with a justified gap) will be eligible for the Certificate Program. Students enrolled for any graduate or undergraduate programs shall not be eligible to apply.

For The University of Newcastle:

● The student must complete a Certificate in Business Management from GGU with an aggregate of a minimum of 2.7 or above GPA.

● English Proficiency Requirements: an aggregate IELTS score of 6.0 with no less than 6.0 in each section or Pearson Test of English (PTE) >= 52 or TOEFL >=70 or Occupational English Test (OET) >= 290 or C1 Advanced (formerly CAE) >= 169.

● In addition to meeting both Academic and English requirements, students must also meet the University’s Genuine Student requirements.

3.Is work experience required for this course?

A relevant professional work experience is recommended but not mandatory.

4.What is the selection process for this program?

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

STEP 1 - Application and Document Submission - Apply on upGrad.com and submit your documents.

STEP 2 - Shortlisting basis overall performance - Our admissions committee will review your profile. Upon qualifying, an offer letter will be sent to you.

STEP 3 - Enrollment for Access to Prep Content - Make a quick block payment of INR 25,000 to reserve your seat and receive immediate access to the prep content and begin your upGrad journey. Complete balance payment with assistance from our loan partners where required.

5.What are the documents required for the application?

● Scanned copy of Class 10th & 12th Marksheet

● English Proficiency Qualification

● Scanned Copy of Passport (Name & Address Page)

● Photograph

● Resume

● Statement of Purpose

● The sponsor of the student must provide proof of an annual income of at least INR 15,00,000 (Indian Rupees Fifteen Lakhs) demonstrated through Income Tax Return (ITR). Agricultural income is not acceptable. If the student is funding their education solely through an education loan, the parents may be considered as the eligible sponsors.

Question 4

Visa

Accepted Answer

1.Will upGrad help me in writing Academic and Visa SOP?

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

2.How much are living expenses for a year in Australia?

Living expenses in Australia for international students are approximately AUD 29,710 per annum.

3.Is there any specific condition that needs to be met for getting Australian Visa?

The sponsor of the student must provide proof of an annual income of at least INR 15,00,000 (Indian Rupees Fifteen Lakhs) demonstrated through Income Tax Return (ITR). Agricultural income is not acceptable. If the student is funding their education solely through an education loan, the parents may be considered eligible for sponsors.

Question 5

Time Commitment

Accepted Answer

1.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.

2.How will my doubts/questions be addressed in an online program?

Our Student Support is available. You can write to us via studentsupport@upgrad.com or for urgent queries, using 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 offer guidance and resolve their non-academic queries. 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.

Question 6

Payment

Accepted Answer

No cost CC EMI FAQ's

0% EMI with 3rd Party Loan 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, 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

Question 7

Refund Policy

Accepted Answer

1. 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 post-program/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 pre-program deferral as per the policy defined below for the same.
4. Student shall 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 loan 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 loan 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 and they will not be eligible for any refund.

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 is 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.

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

Question 8

Course Curriculum

Accepted Answer

1. What is the scope of the Bachelor of Business program?

The Bachelor of Business is an engaging yet rigorous 12 months online (with Golden Gate University) and 24-months on-campus (Macquarie University, Australia) program designed for students to develop practical knowledge and skills, establish a professional network, and accelerate entry into the field of Business Analytics, Human Resource Management and Sales Management. The student as part of this program will receive a Certificate in Business Management Program from Golden Gate University and a Bachelor's degree in Bachelor of Business from Macquarie University, Australia.

2. What should I expect from a Bachelor of Business?

Macquarie University's Bachelor in Business Administration program equips students with the skills highly sought by employers. The program offers a well-rounded education covering key areas such as accounting, business, ethics, management, marketing, and strategy. These vital skills are designed to equip students for success in today’s fast-paced and ever-evolving global business environment, ensuring they are ready to tackle the challenges and opportunities that come their way. Moreover, Students also gain hands-on experience through internships with leading Australian companies, ensuring they are well-prepared for successful careers. Upon program completion, students also have the opportunity to apply for PSWV in Australia.

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

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, Golden Gate University Worldwide & Macquarie University, Australia together seek to develop the next generation of leaders. The topics that are going to be covered are Principles of microeconomics, Principles of macroeconomics, Statistics, Introductory Financial Accounting, Critical thinking, and much more.

4. 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. The on-campus learning experience will offer students the opportunity to engage directly with faculty.

5. Is any certification granted at the end of the program?

Post successful completion of the online program, a Certificate in Business Management Program would be awarded from GGU, and on completion of the on-campus degree program, a Bachelor's degree in Bachelor of Business shall be conferred upon by Macquarie University.

6. 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.

Question 9

About the Macquarie University, Australia

Accepted Answer

1. Why should you pursue a Bachelor of Business from the Macquarie University?

Below are a few more reasons to study at the Macquarie University:

Macquarie offers degrees tailored to industry needs, equipping students with the in-demand skills that employers seek. This ensures graduates are well-prepared for successful careers, making Macquarie an ideal choice for those looking to excel in the job market.
The university’s cutting-edge facilities elevate the learning experience with the latest technology and innovative spaces. These top-tier resources ensure students gain practical, real-world skills, making it a standout choice for a superior education.
With connections to 300+ global companies, Macquarie offers students valuable networking and internship opportunities, helping them gain real-world experience and access to international career paths.
According to the QS Graduate Employability Rankings 2022, Macquarie tops the list in Sydney for graduate employment rates. This achievement highlights the university’s strong industry connections and its focus on equipping students with the skills needed for successful careers.
The university awards $6 million in scholarships each year, benefiting 750+ students with financial support, underscoring the university's commitment to making education accessible and supporting students in achieving their academic and career goals.
Macquarie boasts a robust and diverse alumni network of 2,35,000+ graduates. This extensive community reflects the university's long-standing tradition of academic excellence and global impact.
Representing 150 different countries, Macquarie alumni live and work all over the world. This global presence underscores the university’s influence and the international opportunities available to its graduates, highlighting Macquarie's role in shaping leaders who make a difference on a global scale

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

If you are not entitled to an IELTS waiver, upGrad will help you prepare for the English proficiency test to establish your current English proficiency to be eligible for the Bachelor's program in Australia.

3. When will I go to the Macquarie University, Australia?

Macquarie University offers 2 intakes for students coming through the accelerator route. The first intake of the year will be February intake and the second intake of the year will be July. Though the application process for the Macquarie University will start during the GGU online program, you will be able to go to the Macquarie University in the nearest intake which is at least 3 months away from completion of your GGU program.

4. What are the part-time working rules in Australia?

The students can work 48 hours per week during academics whereas there is no time limit during vacations.

5. When will I get an Offer Letter from Macquarie University?

upGrad will apply for you to Macquarie 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 the Macquarie University you will have to give proof of English proficiency for application of admission in the Macquarie University. If applicable (case-by-case), upGrad will support you to get your English proficiency scores within 3 months of the start of the batch to accelerate this process.

6. What are the details about Vice Chancellor’s scholarship?

Scholarship award amount of AUD 5000 is available if you are chosen by the vice chancellor of the university as per the academic performance and other requirements.

Disclaimer: upGrad facilitates program delivery and has no influence or control in learner eligibility or scholarship awards. The allocation of scholarships is solely at the discretion of the colleges/universities and is subject to student performance. upGrad is not liable in the event these scholarships are rejected as upGrad has no role in these determinations. Before applying for any scholarship, we strongly advise reviewing the relevant terms and conditions provided by the respective colleges/universities.

Question 10

Selection Criteria

Accepted Answer

1. How do I know if the program is right for me?

A strong academic background is desirable, providing an advantage in the Bachelor of Business program.
The program suits diverse career aspirations, including roles like Business Analyst, Human Resource manager, Marketing Consultant and Sales Manager.
Through a hands-on learning approach, the Bachelor of Business program empowers learners to develop their unique leadership style, drive innovation, lead change, and achieve remarkable results within organizations.

2. 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 GGU:

Students who have completed Class 10 examination from either ICSE, Cambridge, Edexcel, NCTB with 60% marks.

Students who have completed class 12th in the last academic year will be eligible for the program. Students enrolled for any graduate or undergraduate programs shall not be eligible to apply.

For Macquarie University:

The student must complete a Certificate in Business Management from GGU with an aggregate of a minimum 2.3 or above CGPA.
English Proficiency Requirements: an aggregate IELTS score of 6.5 with no less than 6.0 in each section or PTE greater than or equal to 58 with no section less than 52 or TOEFL - 83

3. Is work experience required for this course?

No work experience is required for this course.

4. What is the selection process for this program?

There are 3 simple steps in the Admission Process which is detailed below:
STEP 1 - Application and Document Submission - Apply on upGrad.com and submit your documents.
STEP 2 - Shortlisting basis overall performance - Our admissions committee will review your profile. Upon qualifying, an offer letter will be sent to you.
STEP 3 - Enrollment for Access to Prep Content - Make a quick block payment of USD 300/- to reserve your seat and receive immediate access to the prep content and begin your upGrad journey. Complete balance payment with assistance from our loan partners where required.

5. What are the details about Upgrad Merit scholarship?

Scholarship Award amount of AUD 20000 is available if you have scored minimum 2.3 CGPA at an aggregate as well as as at each course level in your GGU coursework. For the 2 years on-campus, the scholarship amount is limited to AUD 10000 per year.

Disclaimer: upGrad offers financial concessions to prospective students interested in our educational programs, which may be referred to as scholarships. It must be understood that these are financial concessions and not scholarships in the traditional academic framework. upGrad evaluates eligibility for these financial concessions based on specific criteria, which are subject to change and are determined solely at upGrad's discretion.

6. What are the documents required for the application?

Scanned copy of identity proof: National ID —Full Name and date of birth clearly mentioned on any document submitted.
Scanned Copy of Passport (Name & Address Page)
Photograph
Scanned copy of Class 10th & 12th Marksheet and Certificate
Resume
Statement of Purpose
Two Letters of Recommendation (Academic/Professional or both)
English Language Proficiency Scorecard
GGU Transcript
The sponsor of the student must provide proof of an annual income of at least Tk 20,85,000 (Twenty Lakh Eighty Five Thousand)demonstrated through Income Tax Return (ITR). Agricultural income is not acceptable. If the student is funding their education solely through an education loan, the parents may be considered as the eligible sponsors.

Question 11

Visa

Accepted Answer

1. Will upGrad help me in writing Academic and Visa SOP?

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

2. How much are living expenses for a year in Australia?¹

Living expenses in Australia for international students are approximately AUD 29,710 per annum.

3. Is there any specific condition that needs to be met for getting Australian Visa?

The sponsor of the student must provide proof of an annual income of at least Tk 20,85,000 (Twenty Lakh Eighty Five Thousand) demonstrated through Income Tax Return (ITR). Agricultural income is not acceptable. If the student is funding their education solely through an education loan, the parents may be considered as the eligible sponsors.

Question 12

Time Commitment

Accepted Answer

1. 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.

2. How will my doubts/questions be addressed in an online program?

Our 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.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 offer guidance, and resolve their non-academic queries.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.

Question 13

Refund Policy

Accepted Answer

1. 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 USD 225/- towards processing fee. If less than USD 225/- 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 post-program/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 pre-program deferral as per the policy defined below for the same.
4. Student shall 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 loan 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 loan 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 and they will not be eligible for any refund.

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 is 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.

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

Question 14

Course Curriculum

Accepted Answer

1. What is the scope of the Bachelor of Business program?

The Bachelor of Business is an engaging yet rigorous 12 months online (with Golden Gate University) and 24-months on-campus (Macquarie University, Australia) program designed for students to develop practical knowledge and skills, establish a professional network, and accelerate entry into the field of Business Analytics, Human Resource Management and Sales Management. The student as part of this program will receive a Certificate in Business Management Program from Golden Gate University and a Bachelor's degree in Bachelor of Business from Macquarie University, Australia.

2. What should I expect from a Bachelor of Business?

Macquarie University's Bachelor in Business Administration program equips students with the skills highly sought by employers. The program offers a well-rounded education covering key areas such as accounting, business, ethics, management, marketing, and strategy. These vital skills are designed to equip students for success in today’s fast-paced and ever-evolving global business environment, ensuring they are ready to tackle the challenges and opportunities that come their way. Moreover, Students also gain hands-on experience through internships with leading Australian companies, ensuring they are well-prepared for successful careers. Upon program completion, students also have the opportunity to apply for PSWV in Australia.

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

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, Golden Gate University Worldwide & Macquarie University, Australia together seek to develop the next generation of leaders. The topics that are going to be covered are Principles of microeconomics, Principles of macroeconomics, Statistics, Introductory Financial Accounting, Critical thinking, and much more.

4. 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. The on-campus learning experience will offer students the opportunity to engage directly with faculty.

5. Is any certification granted at the end of the program?

Post successful completion of the online program, a Certificate in Business Management Program would be awarded from GGU, and on completion of the on-campus degree program, a Bachelor's degree in Bachelor of Business shall be conferred upon by Macquarie University.

6. 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.

Question 15

About the Macquarie University, Australia

Accepted Answer

1. Why should you pursue a Bachelor of Business from the Macquarie University?

Below are a few more reasons to study at the Macquarie University:

Macquarie offers degrees tailored to industry needs, equipping students with the in-demand skills that employers seek. This ensures graduates are well-prepared for successful careers, making Macquarie an ideal choice for those looking to excel in the job market.
The university’s cutting-edge facilities elevate the learning experience with the latest technology and innovative spaces. These top-tier resources ensure students gain practical, real-world skills, making it a standout choice for a superior education.
With connections to 300+ global companies, Macquarie offers students valuable networking and internship opportunities, helping them gain real-world experience and access to international career paths.
According to the QS Graduate Employability Rankings 2022, Macquarie tops the list in Sydney for graduate employment rates. This achievement highlights the university’s strong industry connections and its focus on equipping students with the skills needed for successful careers.
The university awards $6 million in scholarships each year, benefiting 750+ students with financial support, underscoring the university's commitment to making education accessible and supporting students in achieving their academic and career goals.
Macquarie boasts a robust and diverse alumni network of 2,35,000+ graduates. This extensive community reflects the university's long-standing tradition of academic excellence and global impact.
Representing 150 different countries, Macquarie alumni live and work all over the world. This global presence underscores the university’s influence and the international opportunities available to its graduates, highlighting Macquarie's role in shaping leaders who make a difference on a global scale

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

If you are not entitled to an IELTS waiver, upGrad will help you prepare for the English proficiency test to establish your current English proficiency to be eligible for the Bachelor's program in Australia.

3. When will I go to the Macquarie University, Australia?

Macquarie University offers 2 intakes for students coming through the accelerator route. The first intake of the year will be February intake and the second intake of the year will be July. Though the application process for the Macquarie University will start during the GGU online program, you will be able to go to the Macquarie University in the nearest intake which is at least 3 months away from completion of your GGU program.

4. What are the part-time working rules in Australia?

The students can work 48 hours per week during academics whereas there is no time limit during vacations.

5. When will I get an Offer Letter from Macquarie University?

upGrad will apply for you to Macquarie 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 the Macquarie University you will have to give proof of English proficiency for application of admission in the Macquarie University. If applicable (case-by-case), upGrad will support you to get your English proficiency scores within 3 months of the start of the batch to accelerate this process.

6. What are the details about Vice Chancellor’s scholarship?

Scholarship award amount of AUD 5000 is available if you are chosen by the vice chancellor of the university as per the academic performance and other requirements.

Disclaimer: upGrad facilitates program delivery and has no influence or control in learner eligibility or scholarship awards. The allocation of scholarships is solely at the discretion of the colleges/universities and is subject to student performance. upGrad is not liable in the event these scholarships are rejected as upGrad has no role in these determinations. Before applying for any scholarship, we strongly advise reviewing the relevant terms and conditions provided by the respective colleges/universities.

Question 16

Selection Criteria

Accepted Answer

1. How do I know if the program is right for me?

A strong academic background is desirable, providing an advantage in the Bachelor of Business program.
The program suits diverse career aspirations, including roles like Business Analyst, Human Resource manager, Marketing Consultant and Sales Manager.
Through a hands-on learning approach, the Bachelor of Business program empowers learners to develop their unique leadership style, drive innovation, lead change, and achieve remarkable results within organizations.

2. 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 GGU:

Students should have scored a minimum of 70% in Class 10th and Class 12th (eg A Level, ICSE, Cambridge or equivalent).

Students who have completed class 12th in the last academic year will be eligible for the program. Students enrolled for any graduate or undergraduate programs shall not be eligible to apply.

For Macquarie University:

The student must complete a Certificate in Business Management from GGU with an aggregate of a minimum 2.3 or above CGPA.
English Proficiency Requirements: an aggregate IELTS score of 6.5 with no less than 6.0 in each section or PTE greater than or equal to 58 with no section less than 52 or TOEFL - 83

3. Is work experience required for this course?

No work experience is required for this course.

4. What is the selection process for this program?

There are 3 simple steps in the Admission Process which is detailed below:
STEP 1 - Application and Document Submission - Apply on upGrad.com and submit your documents.
STEP 2 - Shortlisting basis overall performance - Our admissions committee will review your profile. Upon qualifying, an offer letter will be sent to you.
STEP 3 - Enrollment for Access to Prep Content - Make a quick block payment of USD 300/- to reserve your seat and receive immediate access to the prep content and begin your upGrad journey. Complete balance payment with assistance from our loan partners where required.

5. What are the details about Upgrad Merit scholarship?

Scholarship Award amount of AUD 20000 is available if you have scored minimum 2.3 CGPA at an aggregate as well as as at each course level in your GGU coursework. For the 2 years on-campus, the scholarship amount is limited to AUD 10000 per year.

Disclaimer: upGrad offers financial concessions to prospective students interested in our educational programs, which may be referred to as scholarships. It must be understood that these are financial concessions and not scholarships in the traditional academic framework. upGrad evaluates eligibility for these financial concessions based on specific criteria, which are subject to change and are determined solely at upGrad's discretion.

6. What are the documents required for the application?

Scanned copy of identity proof: Aadhar Card, PAN Card —Full Name and date of birth clearly mentioned on any document submitted.
Scanned Copy of Passport (Name & Address Page)
Photograph
Scanned copy of Class 10th & 12th Marksheet and Certificate
Resume
Statement of Purpose
Two Letters of Recommendation (Academic/Professional or both)
English Language Proficiency Scorecard
GGU Transcript
The sponsor of the student must provide proof of an annual income of at least LKR 52,00,000 (Sri Lankan Rupee Fifty Two Lakhs) demonstrated through Income Tax Return (ITR). Agricultural income is not acceptable. If the student is funding their education solely through an education loan, the parents may be considered as the eligible sponsors.

Question 17

Visa

Accepted Answer

1. Will upGrad help me in writing Academic and Visa SOP?

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

2. How much are living expenses for a year in Australia?¹

Living expenses in Australia for international students are approximately AUD 29,710 per annum.

3. Is there any specific condition that needs to be met for getting Australian Visa?

The sponsor of the student must provide proof of an annual income of at least LKR 52,00,000 (Sri Lankan Rupee Fifty Two Lakhs) demonstrated through Income Tax Return (ITR). Agricultural income is not acceptable. If the student is funding their education solely through an education loan, the parents may be considered as the eligible sponsors.

Question 18

Time Commitment

Accepted Answer

1. 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.

2. How will my doubts/questions be addressed in an online program?

Our 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.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 offer guidance, and resolve their non-academic queries.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.

Question 19

Refund Policy

Accepted Answer

1. 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 USD 225/- towards processing fee. If less than USD 225/- 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 post-program/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 pre-program deferral as per the policy defined below for the same.
4. Student shall 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 loan 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 loan 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 and they will not be eligible for any refund.

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 is 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.

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

Bachelor of Commerce at Newcastle

The University of Newcastle, Australia

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₹45 Lakhs*

A$85K

36 Months

Jan 2027

One degree, infinite global possibilities

Start online, complete in Newcastle City

Curriculum designed for your success

Online

Golden Gate University Worldwide

Undergraduate Certificate in Business Management

On-Campus

The University of Newcastle