Education Loan
Fund your higher education at premier domestic and overseas universities. Access competitive rates, flexible repayment moratoriums, and comprehensive co-applicant support.
Eligibility & Documents
Ensure you meet these basic criteria and keep the required documents ready for fast processing.
Eligibility Criteria
- Resident Indian: Applicant must be a resident Indian citizen with secured admission.
- Academic Standard: Strong academic record in secondary, higher secondary, and degree exams.
- Co-applicant Profile: Parents, guardian, or spouse with a stable, verified source of income.
- Course Validity: Approved professional, technical, or career-oriented courses.
- Institution Status: Recognized universities, colleges, or institutes in India or abroad.
Required Documents
- Admission Proof: Admission offer letter and detailed fee structure from the institution.
- Academic Sheets: Marksheets and passing certificates of 10th, 12th, and graduation levels.
- KYC Checklist: Aadhaar Card, PAN Card, and passport-size photographs of both applicants.
- Co-applicant Income: Salary slips, Form 16, or ITR, and last 6 months' bank statements.
- Collateral Documents: Title deeds or deposit receipts (required for loans above ₹7.5 Lakhs).
Key Highlights
Everything you need to know about our education loan product in one quick summary.
Loan Amount
₹1 Lakh – ₹1 CroreInterest Rate
Starting 9.50% p.a.Tenure Options
Up to 15 YearsCollateral Limit
No Collateral up to ₹7.5LProcessing Fee
Nil for Inland StudiesApproval TAT
Quick 3-5 Working DaysMoratorium
Course Period + 1 YrCo-Applicant
Parent / GuardianQuick Eligibility Check
Why Students Trust Us
We maintain 100% compliance and transparent assistance for all clients since 2017.
Multiple Bank Partners
Collaborated with leading PSU, Private banks, and NBFCs for maximum approval rates.
Transparent Process
Zero hidden charges, upfront processing details, and regular updates at every step.
Expert Loan Guidance
Experienced advisors coordinate with bank underwriters to ensure standard profile approvals.
Frequently Asked
Questions
Clear answers to common questions about education loan approvals and terms.
Any resident Indian student who has secured admission to a recognized college or university (in India or abroad) through a merit-based or entrance exam process can apply, along with a co-applicant guardian.
As per RBI and partner bank guidelines, unsecured education loans (without collateral) are generally available up to ₹7.5 Lakhs. Selected premier institutions may support higher collateral-free thresholds.
A moratorium is a grace period matching the duration of the course plus 6 to 12 months, during which the student is not required to pay the full principal amount. Repayment begins post-employment.
Yes, a co-applicant (parent, guardian, or spouse with a stable salaried or self-employed income profile) is mandatory to act as the primary financial guarantor for the loan.
Standard undergraduate, postgraduate, and professional degrees/diplomas in fields like Engineering, Medicine, Management, and IT at UGC/AICTE-approved colleges or globally recognized overseas universities are eligible.
Profile evaluation and in-principle decisions take 3 to 7 working days once all academic marksheets, fee schedules, and co-applicant income papers are collected.