Question 1

Course Curriculum

Accepted Answer

1. What is the scope of an MS Business Analytics program?

The MS Business Analytics program is a dynamic and rigorous 7-month online graduate course (in collaboration with IMT-Ghaziabad) followed by an 9-month on-campus experience at the D'Amore-McKim School of Business, Northeastern University, USA. This program is designed to equip students with practical knowledge and skills, build a strong professional network, and facilitate a smooth transition into careers in management, consulting, analytics, and information technology. Upon completion, students will earn dual credentials: an Professional General Management Program certificate from IMT Ghaziabad and a Master's degree from the D'Amore-McKim School of Business, Northeastern University, USA.

2. What should I expect from a MS Business Analytics Program ?

Students can expect a STEM-designated program that blends advanced analytics with strategic business insights. The curriculum covers data mining, statistical analysis, machine learning, predictive modeling, and hands-on experience with tools like Python, R, SQL, and Tableau. They can also expect experiential learning through a capstone project, graduate co-op, and real-world industry initiatives, preparing them for roles such as data analyst, business intelligence analyst, and analytics consultant.

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

The programme 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 the management. With this programme, IMT-G & D'Amore-McKim School of Business, Northeastern University, U.S.A. together seek to develop the next generation of leaders. The topics that are going to be covered are Marketing Management, Business Communication, Accounting & Finance, Business Economics, OB, HR Management and Legal, Sales & Distribution, Operations and Supply Chain.

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 globally-acclaimed faculty as well as industry leaders. Additionally, the program comprises live lectures dedicated to tutoring key concepts, 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 Professional General Management Program certificate would be awarded from IMT Ghaziabad and upon completion of the on-campus degree program, a MS Business Analytics degree shall be conferred upon by D'Amore-McKim School of Business, Northeastern University, USA.

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.

7. What is a co-op program at Northeastern University?

Co-op programs at Northeastern University, USA are academic programs that combine classroom learning with practical work experience in a professional setting. Students have the opportunity to gain real-world skills, industry connections, and enhance their resumes through immersive full-time work opportunities. Northeastern is a global leader in co-op education, consistently ranked as the #1 co-op program in the nation.

8. Does this course at Northeastern University offer a co-op component?

Yes, this program has a co-op component. Students enrolled in this course will have the opportunity to participate in a co-op experience, allowing them to apply their classroom knowledge in real-world work settings.

9. How do I enroll in the program, and when do I need to declare a Graduate Co-op track?

Once students are on campus, they should contact their graduate academic advisor to declare a Graduate Co-op concentration. Students start their first co-op the second semester of their sophomore year or during the summer after their sophomore year.

10. Will I be paid during the Graduate Co-op?

In many cases, co-op opportunities are paid positions. However, compensation varies depending on the industry, job market, or other special circumstances. Whether paid or unpaid, all of our co-ops offer unparalleled industry experience with a variety of employers.

11. What are the various work locations available for Graduate co-op opportunities at Northeastern University?

Northeastern University offers a wide range of work locations for Graduate co-op opportunities. These opportunities are available in over three dozen states across the United States and in approximately 90 countries worldwide. While many students opt to work in the Boston area, Northeastern encourages students to be open-minded and flexible about their work location to ensure a rewarding experience and to broaden their future career prospects. The university particularly emphasizes the benefits of international co-op experiences, which provide students with a unique perspective on their work and the chance to explore different parts of the world. Students are advised to consult with their co-op coordinator to explore the available options and understand the specific requirements associated with each location.

12. How much commitment does a co-op program require?

While full time co-op shall require a commitment of 32-40 hours/week over 3-6 months, Part-time co-op shall require a commitment of 15-31 hours/week over 3-6 months.

13. Are there any scholarships available?

D'Amore-McKim School of Business and Northeastern University offer a variety of scholarships. As a Full-Time MS Business Analytics applicant, you'll automatically receive consideration for a merit scholarship. You can find the details of the merit based scholarships on the university website.

Question 2

About the D'Amore-McKim School of Business, Northeastern University, USA

Accepted Answer

1. Why should you pursue an MS Business Analytics Program from D'Amore-McKim School of Business, Northeastern University, USA?

Unlock Industry-Relevant Tools: Learn to use powerful tools like Python, R, SQL, Tableau, and SPSS, empowering you to extract insights and make data-driven decisions.
Real-World Case Studies: Work with actual company data in class, developing practical solutions to challenges faced by businesses today.
Hands-On Learning: Apply classroom knowledge in real-world settings through a graduate co-op with top companies or innovative startups, gaining valuable industry experience.
High-Impact Outcomes: Graduates of this program are highly sought after by top-tier companies across industries, from finance to healthcare, and command competitive salaries.
Real-World Case Studies: Work with actual company data in class, developing practical solutions to challenges faced by businesses today.

2. Can international students work to pay for their educational expenses?

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

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

Yes, upGrad will help you prepare for the English proficiency test to establish your current English proficiency to be eligible for the master's program in the USA.

4. When will I go to Northeastern University, USA?

D'Amore-McKim School of Business, Northeastern University, U.S.A offers only 1 intake for students coming through the accelerator route. The only intake of the year will be the September (spring) intake.Though the application process for Northeastern University will start during the IMT Ghaziabad online program, you will be able to go to Northeastern University in the nearest intake year which is at least 3 months away from completion of your IMT Ghaziabad program.

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

upGrad will apply for you to D'Amore-McKim School of Business, Northeastern University, USA, 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 received from D'Amore-McKim School of Business, Northeastern University, you will have to give proof of English proficiency for application of admission in Northeastern University. 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?

Strong academic background is desirable, providing an advantage in the MS Business Analytics Program.
The program caters to individuals aspiring for diverse career opportunities such as business consulting, project management, sales and marketing management, and leadership coaching.
Through a hands-on learning approach, the MS Business Analytics 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 IMT Ghaziabad:

Applicants must have a BTech / BEngg degree with 80% Marks and a grade of B or higher in Statistics and Calculus in their undergraduate degree with over all 0 Backlogs.
Applicants must have 1 to 5 years of work experience at the time of application.

For Northeastern University:

Learners must complete IMT's Professional General Management Program with an overall score of 70% and a minimum of 70% in each course
English Proficiency Requirements are TOEFL of >=100 overall with sectional score on speaking no less than 20 and other sections no less than 18 or IELTS Academic >= 7 overall with no sectional score less than 7.0 or Duolingo -125 overall with no sectional score less than 100 or PTE - 67 overall with no sectional score below 60.

3. Is work experience required for this course?

A relevant professional work experience of 1-5 years is mandatory at the time of application.

4. What is the selection process for this program?

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

5. What are the lists of documents required for the application ?

Scanned Copy of the Class 10th and 12th Marksheet and Certificate
Scanned Copy of the Undergraduate Degree, Transcript and Semesters Marksheets
Scanned Copies of passport (Name &, Address Page)
Formal Colored Photograph
Statement of Purpose
Personal Statement
Two letters of recommendation (Academic/Professional)
Latest Resume
Proof of English Proficiency as per the criteria mentioned above in the document
(TOEFL iBT, IELTS, PTE, etc.)

Question 4

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?

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 5

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 the living expenses for a year in the USA?

Living expenses in the USA for international students are approximately USD 18,000 per annum. The same needs to be reflected in your bank account.

3. What will happen if I am unable to transfer abroad or if my VISA gets rejected?

In such cases, learners can continue to pursue the degree online and be conferred upon with an MS Business Analytics.

Question 6

Payment

Accepted Answer

Payment

0% EMI with Finance partners /Credit card option availability will vary program wise. 1. Which banks allow using 0% Credit card EMI or Credit card EMI?No cost EMI is available on credit cards from all major banks (American Express, Bank of Baroda, HDFC Bank, ICICI Bank, IndusInd Bank, Kotak Mahindra Bank, RBL Bank, Standard Chartered, Axis Bank, Yes Bank, State Bank of India, CITIBANK and HSBC) 2. Is there any minimum transaction limit ?Yes. 50000 is the minimum. 3. Standard Chartered Bank offers 18 or 24 months No Cost EMI ?No. ONLY 12 months is available irrespective of the Program enrolled. 4. Will I have to pay any extra amount for the EMI transaction?If you are availing 0% credit card EMI, upGrad will not charge any processing fees or down payment for these transactions. Your bank may levy GST or other taxes on the interest component of the EMI. 5. Are there any fees or down payment?Certain banks charge nominal processing fees between INR 99 - 500 on 0% Credit Card EMI transaction. If charged, will be billed in the first repayment installment. 6. Can I use my International credit card for 0% credit EMI or Credit Card EMI?Only the Indian bank credit cards can be used. But you can pay the amount using the Credit card option in one shot / part payments, and later you can convert into EMI from your respective bank. The tenures and interest charged will depend on your bank. upGrad will not charge any processing fees or down payment for these transactions, this will be purely between you and your bank. 7. Are there any charges in case I opt for cancellation/refund from the course after paying balance with no cost EMI ?Yes, there will be additional charges to the extent of interest paid by the upGrad to the bank, you will be refunded only the 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 100000ICICI 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 ₹100,000 on 6-months EMI and your credit limit is ₹200,000 then initially your bank will block your credit limit by ₹ 100,000. 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 405000Let'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 405000Effectively, you have taken loan on 379,850 instead of 405,000

Question 7

Disclaimer

Accepted Answer

Disclaimer

Finance, No Cost EMI and Credit Card EMI options, are provided by third-party financial institutions. Terms and conditions are subject to change at their discretion without prior notice. Please verify details with the respective service provider before proceeding.
The savings figure is indicative and based on specific assumptions. Actual savings may vary depending on individual circumstances.
Cost-of-living estimates are indicative only and subject to variation based on personal lifestyle choices, location, exchange rates, and other factors. Actual expenses may differ from the stated figures.

Question 8

Course Curriculum

Accepted Answer

1. What is the scope of an MS Business Analytics program?

The MS Business Analytics program is a dynamic and rigorous 7-month online graduate course (in collaboration with IMT-Ghaziabad) followed by an 9-month on-campus experience at the D'Amore-McKim School of Business, Northeastern University, USA. This program is designed to equip students with practical knowledge and skills, build a strong professional network, and facilitate a smooth transition into careers in management, consulting, analytics, and information technology. Upon completion, students will earn dual credentials: an Professional General Management Program certificate from IMT Ghaziabad and a Master's degree from the D'Amore-McKim School of Business, Northeastern University, USA.

2. What should I expect from a MS Business Analytics Program ?

Students can expect a STEM-designated program that blends advanced analytics with strategic business insights. The curriculum covers data mining, statistical analysis, machine learning, predictive modeling, and hands-on experience with tools like Python, R, SQL, and Tableau. They can also expect experiential learning through a capstone project, graduate co-op, and real-world industry initiatives, preparing them for roles such as data analyst, business intelligence analyst, and analytics consultant.

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

The programme 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 the management. With this programme, IMT-G & D'Amore-McKim School of Business, Northeastern University, U.S.A. together seek to develop the next generation of leaders. The topics that are going to be covered are Marketing Management, Business Communication, Accounting & Finance, Business Economics, OB, HR Management and Legal, Sales & Distribution, Operations and Supply Chain.

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 globally-acclaimed faculty as well as industry leaders. Additionally, the program comprises live lectures dedicated to tutoring key concepts, 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 Professional General Management Program certificate would be awarded from IMT Ghaziabad and upon completion of the on-campus degree program, a MS Business Analytics degree shall be conferred upon by D'Amore-McKim School of Business, Northeastern University, USA.

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.

7. What is a co-op program at Northeastern University?

Co-op programs at Northeastern University, USA are academic programs that combine classroom learning with practical work experience in a professional setting. Students have the opportunity to gain real-world skills, industry connections, and enhance their resumes through immersive full-time work opportunities. Northeastern is a global leader in co-op education, consistently ranked as the #1 co-op program in the nation.

8. Does this course at Northeastern University offer a co-op component?

Yes, this program has a co-op component. Students enrolled in this course will have the opportunity to participate in a co-op experience, allowing them to apply their classroom knowledge in real-world work settings.

9. How do I enroll in the program, and when do I need to declare a Graduate Co-op track?

Once students are on campus, they should contact their graduate academic advisor to declare a Graduate Co-op concentration. Students start their first co-op the second semester of their sophomore year or during the summer after their sophomore year.

10. Will I be paid during the Graduate Co-op?

In many cases, co-op opportunities are paid positions. However, compensation varies depending on the industry, job market, or other special circumstances. Whether paid or unpaid, all of our co-ops offer unparalleled industry experience with a variety of employers.

11. What are the various work locations available for Graduate co-op opportunities at Northeastern University?

Northeastern University offers a wide range of work locations for Graduate co-op opportunities. These opportunities are available in over three dozen states across the United States and in approximately 90 countries worldwide. While many students opt to work in the Boston area, Northeastern encourages students to be open-minded and flexible about their work location to ensure a rewarding experience and to broaden their future career prospects. The university particularly emphasizes the benefits of international co-op experiences, which provide students with a unique perspective on their work and the chance to explore different parts of the world. Students are advised to consult with their co-op coordinator to explore the available options and understand the specific requirements associated with each location.

12. How much commitment does a co-op program require?

While full time co-op shall require a commitment of 32-40 hours/week over 3-6 months, Part-time co-op shall require a commitment of 15-31 hours/week over 3-6 months.

13. Are there any scholarships available?

D'Amore-McKim School of Business and Northeastern University offer a variety of scholarships. As a Full-Time MS Business Analytics applicant, you'll automatically receive consideration for a merit scholarship. You can find the details of the merit based scholarships on the university website.

Question 9

About the D'Amore-McKim School of Business, Northeastern University, USA

Accepted Answer

1. Why should you pursue an MS Business Analytics Program from D'Amore-McKim School of Business, Northeastern University, USA?

Unlock Industry-Relevant Tools: Learn to use powerful tools like Python, R, SQL, Tableau, and SPSS, empowering you to extract insights and make data-driven decisions.
Real-World Case Studies: Work with actual company data in class, developing practical solutions to challenges faced by businesses today.
Hands-On Learning: Apply classroom knowledge in real-world settings through a graduate co-op with top companies or innovative startups, gaining valuable industry experience.
High-Impact Outcomes: Graduates of this program are highly sought after by top-tier companies across industries, from finance to healthcare, and command competitive salaries.
Real-World Case Studies: Work with actual company data in class, developing practical solutions to challenges faced by businesses today.

2. Can international students work to pay for their educational expenses?

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

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

Yes, upGrad will help you prepare for the English proficiency test to establish your current English proficiency to be eligible for the master's program in the USA.

4. When will I go to Northeastern University, USA?

D'Amore-McKim School of Business, Northeastern University, U.S.A offers only 1 intake for students coming through the accelerator route. The only intake of the year will be the September (spring) intake.Though the application process for Northeastern University will start during the IMT Ghaziabad online program, you will be able to go to Northeastern University in the nearest intake year which is at least 3 months away from completion of your IMT Ghaziabad program.

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

upGrad will apply for you to D'Amore-McKim School of Business, Northeastern University, USA, 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 received from D'Amore-McKim School of Business, Northeastern University, you will have to give proof of English proficiency for application of admission in Northeastern University. upGrad will support you to get your English proficiency scores within 3 months of the start of the batch to accelerate this process.

Question 10

Selection Criteria

Accepted Answer

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

Strong academic background is desirable, providing an advantage in the MS Business Analytics Program.
The program caters to individuals aspiring for diverse career opportunities such as business consulting, project management, sales and marketing management, and leadership coaching.
Through a hands-on learning approach, the MS Business Analytics 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 IMT Ghaziabad:

Applicants must have a BTech / BEngg degree with 80% Marks and a grade of B or higher in Statistics and Calculus in their undergraduate degree with over all 0 Backlogs.
Applicants must have 1 to 5 years of work experience at the time of application.

For Northeastern University:

Learners must complete IMT's Professional General Management Program with an overall score of 70% and a minimum of 70% in each course
English Proficiency Requirements are TOEFL of >=100 overall with sectional score on speaking no less than 20 and other sections no less than 18 or IELTS Academic >= 7 overall with no sectional score less than 7.0 or Duolingo -125 overall with no sectional score less than 100 or PTE - 67 overall with no sectional score below 60.

3. Is work experience required for this course?

A relevant professional work experience of 1-5 years is mandatory at the time of application.

4. What is the selection process for this program?

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

5. What are the lists of documents required for the application ?

Scanned Copy of the Class 10th and 12th Marksheet and Certificate
Scanned Copy of the Undergraduate Degree, Transcript and Semesters Marksheets
Scanned Copies of passport (Name &, Address Page)
Formal Colored Photograph
Statement of Purpose
Personal Statement
Two letters of recommendation (Academic/Professional)
Latest Resume
Proof of English Proficiency as per the criteria mentioned above in the document
(TOEFL iBT, IELTS, PTE, etc.)

Question 11

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?

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 12

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 the living expenses for a year in the USA?

Living expenses in the USA for international students are approximately USD 18,000 per annum. The same needs to be reflected in your bank account.

3. What will happen if I am unable to transfer abroad or if my VISA gets rejected?

In such cases, learners can continue to pursue the degree online and be conferred upon with an MS Business Analytics.

Question 13

Payment

Accepted Answer

Payment

0% EMI with Finance partners /Credit card option availability will vary program wise. 1. Which banks allow using 0% Credit card EMI or Credit card EMI?No cost EMI is available on credit cards from all major banks (American Express, Bank of Baroda, HDFC Bank, ICICI Bank, IndusInd Bank, Kotak Mahindra Bank, RBL Bank, Standard Chartered, Axis Bank, Yes Bank, State Bank of India, CITIBANK and HSBC) 2. Is there any minimum transaction limit ?Yes. 50000 is the minimum. 3. Standard Chartered Bank offers 18 or 24 months No Cost EMI ?No. ONLY 12 months is available irrespective of the Program enrolled. 4. Will I have to pay any extra amount for the EMI transaction?If you are availing 0% credit card EMI, upGrad will not charge any processing fees or down payment for these transactions. Your bank may levy GST or other taxes on the interest component of the EMI. 5. Are there any fees or down payment?Certain banks charge nominal processing fees between INR 99 - 500 on 0% Credit Card EMI transaction. If charged, will be billed in the first repayment installment. 6. Can I use my International credit card for 0% credit EMI or Credit Card EMI?Only the Indian bank credit cards can be used. But you can pay the amount using the Credit card option in one shot / part payments, and later you can convert into EMI from your respective bank. The tenures and interest charged will depend on your bank. upGrad will not charge any processing fees or down payment for these transactions, this will be purely between you and your bank. 7. Are there any charges in case I opt for cancellation/refund from the course after paying balance with no cost EMI ?Yes, there will be additional charges to the extent of interest paid by the upGrad to the bank, you will be refunded only the 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 100000ICICI 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 ₹100,000 on 6-months EMI and your credit limit is ₹200,000 then initially your bank will block your credit limit by ₹ 100,000. 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 405000Let'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 405000Effectively, you have taken loan on 379,850 instead of 405,000

Question 14

Disclaimer

Accepted Answer

Disclaimer

Finance, No Cost EMI and Credit Card EMI options, are provided by third-party financial institutions. Terms and conditions are subject to change at their discretion without prior notice. Please verify details with the respective service provider before proceeding.
The savings figure is indicative and based on specific assumptions. Actual savings may vary depending on individual circumstances.
Cost-of-living estimates are indicative only and subject to variation based on personal lifestyle choices, location, exchange rates, and other factors. Actual expenses may differ from the stated figures.

MS Business Analytics at NU

D'Amore - McKim School of Business

-------

₹17 Lakhs*

$125K

3 Years

Sep 2026

One degree, infinite global possibilities

Start online, complete on-campus in Boston

Curriculum designed for your success

Online

IMT Ghaziabad, India

Professional General Management Program

Core Courses

Elective Course

On-Campus

D'Amore-McKim School of Business, Northeastern University