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Loan Category

Educational Loans

Invest in future excellence. Lower rates and delayed grace repayment options for students pursuing higher qualifications.

Loan Snapshot
  • Interest Rate: 6.50% p.a.
  • Max Tenure: 15 Years

Eligibility Criteria

Age: Generally between 18 and 35 years (up to 65 for some lenders)
Academic Record: A consistent academic track record (often requiring a minimum of 50% in 12th grade and graduation)
Institution:The university must be recognized by UGC, AICTE, or other central/state regulatory bodies.
Co-applicant & Income: A parent, sibling, or spouse must co-apply and provide proof of steady income or Income Tax Returns (ITR) to guarantee repayment.

Required Documents

1. Applicants KYC documents
2. PAN card
3. Aadhaar card
4. Current address proof (if current address not present in Aadhaar) driving license/voter ID/ passport/ recent utility bill (water/ electricity/ gas) / registered rent agreement
 5. Permanent address proof: needed, if your current address is not self-owned
Applicants academic documents:
 1. 10th marksheet
 2. 12th marksheet
 3. Undergraduate (UG) marksheet - latest - needed if you’re in or have completed your UG
 4. English language proficiency test scorecards - GRE/ GMAT/ TOEFL/ IELTS/ Duolingo/ SAT/ ACT or any other 5. Proof of admission/offer letter
Co-applicant(s) KYC documents:
 1. PAN card
 2. Aadhaar card
 3. Current address proof (if current address not present in Aadhaar card): Driving license/Voter ID/ Passport/ recent utility bill (water/ electricity/ gas) / registered rent agreement
 4. Permanent address proof: needed, if your current address is not self-owned
Salaried co-applicants documents:
 1. Salary slips of the last 3 months.
 2. Form 16 for IT returns for the last 2 years
 3. Bank account statement for the last 6 months (Salary Account).
 4. Employee ID card & Offer Letter
Self-employed co-applicants documents:
 1. Business address proof (GST certificate/ MSME certificate/ Utility bill)
 2. TDS certificate (Form 16A, if applicable)
 3. IT returns for the last 2 years
 4. Certificate of qualification (for C.A./ Doctor/ Lawyer and other professionals).
 5. Current bank account statement for the last 6 months 6. Savings bank account statement for the last 6 months
What You Get

100% finance for abroad studies covering course fee, travel, living, and other costs

Unsecured and secured educational loan options up to Rs. 1.25Cr.*

Loan sanction within 3 days*

Attractive education loan interest rates with processing fees starting from 1% ( can be negotiated on your behalf ) 

Flexible repayment options