Master of Business Administration (Admission closing on 15th Dec)

Yes, upGrad will help you prepare for the English proficiency test to develop/enhance your current English proficiency to be eligible for the Master’s program in the US.

Applicants must fulfill the English Proficiency Requirement. Minimum Score Required- TOEFL (iBT) >= 80 or IELTS >= 6.0 or Duolingo >= 100 or PTE >= 53.

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

This MBA degree is an ideal degree for anyone looking for a career in management with an international scope and to build a professional network around the globe. Students in this program will receive a Professional General Management Program from IMT Ghaziabad, and a Master of Business Administration from Utica University. Students will study for 7 months online with IMT to complete the Professional General Management program and will be transferred to Utica University after meeting the eligibility criteria as mentioned in the brochure.

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

The content will be a mix of interactive lectures. Additionally, the programme comprises live lectures or hangout sessions dedicated to solving your academic queries and reinforcing learning. On-campus curriculum is focused on classroom teaching as well as thesis towards the last semester.

Post successful completion of the program, a Professional General Management Program certificate would be awarded from IMT Ghaziabad and a Master's degree in Business Administration shall be conferred upon by Utica University, US.

There are limited part-time, on-campus jobs for international students, where the income is sufficient to provide “pocket money.” A part-time job will not generate enough income to pay for all educational expenses. Some internships related to the capstone project may be paid.

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

upGrad will apply for you at the Utica 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 from the Utica University, you will have to give proof of English proficiency for application of admission to the Utica University. upGrad will support you to get your English proficiency scores within 3 months of the start of the batch to accelerate this process.

The list of documents which are required to make an application to Utica University for a final offer letter are:

• 10th & 12th marksheets and Certificate
• Graduation all semester marksheets, Transcript 
• Graduation Degree 
• Personal Statement
• Statement of Purpose
• Two letters of recommendation
• English Proficiency Score Card (TOEFL/IELTS/PTE/Duolingo)
• Copy of Passport
• Resume
  For I20 these documets are required:
• International Student Data Sheet
• International Student Certification of Finances form
• A signed letter from a bank official stating that sufficient funds (at least $35,799) exist to cover the total cost of attendance. Any scholarship award can be applied.

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

Living expenses in the USA for international students are approximately USD 14,000.

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

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

Refund Policy: (Programs with prep-session component) 

-Students must pay applicable caution money for the enrolment to the Program. This caution amount will be adjustable against the total Program fee payable by the student.
-You can claim a refund for the amount paid towards the Program at any time, before the Cohort Commencement Date, by visiting www.upgrad.com and submitting your refund form via the "My Application" section under your profile. Processing fee of INR 20,000/- will be levied. If less than INR 20,000/- have been paid in total, the student shall not be eligible for any refund in such case.
-The student shall not be eligible for any refund under any circumstances if any such refund requests are raised post Cohort Commencement Date and student will continue to pay the EMI for the loan (if applicable) and such loan cannot be canceled. This is also applicable for those students who could not complete their payment and could not be enrolled in the cohort opted for. However, the student can raise a request for Pre-Program deferral as per the policy defined below for the same.
-In case of a refund, the student will be solely responsible for any cancellation of the loan, including but not limited to applicable loan cancellation charges levied on the total cancelled loan amount.
-Students must pay the full fee within 7 days of payment of Caution Money or Cohort Commencement Date, whichever is earlier, otherwise, the admission letter will be rescinded.
-The refund will be processed within 30 working days of commencement of the program after being duly approved by the Academic Committee.

 Deferral Policy: (Pre- Program Commencement)  

-If a student, due to unavoidable circumstances is unable to commence with the cohort and requests for a deferral before the cohort starts, we provide the opportunity for the student to defer to another batch.
-However, the student will be required to pay 50% of the total course fee amount (inclusive of taxes) before the deferral can be approved. Till this is completed, the student will be assumed to be continuing in the same cohort.
-A student can request for deferral only once and to either of the scheduled cohorts to start in the next 1 year from the batch start date of the initial batch the student enrolled for.
-The student has time till the current cohort launch date to make the payment of the 50% program fee, post which the deferral request will expire. Once the deferral window expires and the student now asks for a refund, the above-mentioned applicable refund policy will apply.
-The fee applicable to the deferred student will be as per prevailing fee for the batch student as opted to defer to (No additional deferral fee is required to be paid).

Deferral Policy: (Post Program Commencement)

-If a student is facing severe issues in dedicating time to the course, we provide the opportunity for the student to defer to another batch.
-A student can request for deferral only once and to either of the scheduled cohorts to start in the next 1 year from the batch start date of the initial batch the student enrolled for.
-The student will be required to pay deferral fees of 10% of the total course amount fee + Taxes if any along with the differential program fees between the two cohorts.
-The deferral request will be approved once the deferral fee is paid.-Till this is completed, the student will be assumed to be continuing in the same cohort.-The student has 7 days (including holidays and weekends) from the date of deferral request to make the payment of the deferral fee post which the deferral request will expire, and the student will continue as part of the current cohort.
-If the student completes the deferral payment, the student’s login will be disabled, the student will leave the deferred cohort and the student will start learning on the new cohort from the point of the last assignment that was graded in the deferred cohort. All grades and progress till that point will be carried forward as it is to the new cohort. For clarification, the grades of the graded assignments will be carried forward, whether the student had submitted these grading during the initial stage.
-The deferral can only be requested during the batch for which the student has enrolled is ongoing. Once the batch has been completed, deferral requests shall not be entertained. For clarification, the batch completion here shall mean the “last grace deadline” as communicated by upGrad.

0% EMI with Finance partners /Credit card option availability will vary program wise.

1. Which banks allow using 0% Credit card EMI or Credit card EMI?
No cost EMI is available on credit cards from all major banks (American Express, Bank of Baroda, HDFC Bank, ICICI Bank, IndusInd Bank, Kotak Mahindra Bank, RBL Bank, Standard Chartered, Axis Bank, Yes Bank, State Bank of India, CITIBANK and HSBC)

2. Is there any minimum transaction limit ?
Yes. 50000 is the minimum.

3. Standard Chartered Bank offers 18 or 24 months No Cost EMI ?
No. ONLY 12 months is available irrespective of the Program enrolled.

4. Will I have to pay any extra amount for EMI transaction?
If you are availing 0% credit card EMI, upGrad will not charge any processing fees or down payment for these transactions. Your bank may levy GST or other taxes on the interest component of the EMI.

5. Are there any fees or down payment?
Certain banks charge nominal processing fees between INR 99 - 500 on 0% Credit Card EMI transaction. If charged, will be billed in the first repayment installment.

6. Can I use my International credit card for 0% credit EMI or Credit Card EMI?
Only the Indian bank credit cards can be used. But you can pay the amount using the Credit card option in one shot / part payments, and later you can convert into EMI from your respective bank. The tenures and interest charged will depend on your bank. upGrad will not charge any processing fees or down payment for these transactions, this will be purely between you and your bank.

7. Are there any charges in case I opt for cancellation/refund from the course after paying balance with no cost EMI ?
Yes, there will be additional charges to the extent of interest paid by the upGrad to the bank, you will be refunded only Principal amount, i.e. the amount actually deducted/blocked from your card. This deduction will be in addition to the amount mentioned in the refund policy shared with your offer letter.

8. Can I Pay Using Multiple Credit Cards ?
Multiple cards can be used to complete the payments using Part payment option make sure to inform the learner, minimum transaction is INR 50000 to opt for 0% CC EMI E.g. Amount to be paid: 150000. I can pay using 2 Credit cards. Yes, Example :
HDFC Card – Part payment – INR 100000
ICICI Card – Part payment – INR 50000

9. How can I opt for Credit card EMI if my bank is not listed in the 0% Credit card EMI or Credit card EMI?
You can pay the amount using the Credit card option in one shot / part payments, and later you can convert into EMI from your respective bank. The tenures and interest charged will depend on your bank. upGrad will not charge any processing fees or down payment for these transactions.

10. Why is the entire amount blocked on my credit card?
Initially your bank will block the entire amount from your available purchase limit and from your next billing cycle, you will be charged the EMI amount. As you start paying your EMI, your credit limit will be released accordingly. For example, if you have made a payment of ₹100000 on 6-months EMI and your credit limit is ₹200,000 then initially your bank will block your credit limit by ₹100000. After payment of your first month EMI of Rs.15000, the blocked amount will come down to ₹85000.

11. Why is interest getting charged on No Cost EMI?
Your bank will charge you interest. However, this interest charge has been provided to you as an upfront discount at the time of your payment, effectively giving you the benefit of a No cost EMI. The total amount paid during the entire EMI tenure to the bank will be equal to the amount to be paid to upGrad.

Eg. Amount payable to upGrad: INR 405000
Let's say Amount deducted at the time of transaction: INR 379850 (Principal amount) Bank charges interest of 12-15% per annum on INR 379850
[Note: Interest factor is reducing rate and not Flat rate]
EMI AMOUNT = INR 33750 x 12 = INR 405000
Effectively, you have taken loan on 379,850 instead of 405,000