đź“Ś Key Features of Our Education Loans
| Feature | Details |
|---|---|
| Pre-Admission Sanction | Get loan approval even before securing admission to streamline the process. |
| Moratorium Period | Repayment typically starts 6–12 months after course completion, giving time to find a job. |
| Loan Tenure | Flexible repayment up to 15 years depending on the loan amount and course. |
| Tax Benefits | Avail tax deductions on interest paid under Section 80E of the Income Tax Act. |
| Collateral/Non-Collateral | Based on the loan amount, some loans may require collateral, others do not. |
| Global Coverage | Loans available for domestic and international institutions and programs. |
| Co-borrower Option | Add a parent or guardian as co-borrower to improve eligibility and loan terms. |
🎯 Benefits of Taking an Education Loan from Us
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âś… High-Value Loans
Get the funds you need for tuition, accommodation, books, travel, and more. -
âś… Attractive Interest Rates
Benefit from competitive interest rates with tailored repayment options. -
âś… Pre-Admission Loan Approval
Secure funding even before you get final admission—especially useful for study abroad. -
âś… Multiple Program Coverage
Loans for graduation, post-graduation, diplomas, professional courses, and certifications.
âś… Education Loan Eligibility Criteria
Eligibility may vary slightly by lender, but generally includes:
| Criteria | Details |
|---|---|
| Age | 18 years and above |
| Course Eligibility | Professional, technical, or recognized higher education programs in India or abroad |
| Admission Status | Proof of confirmed admission to eligible institutions required |
| Academic Performance | Academic merit may be considered for approval |
| Co-borrower/Guarantor | Required in most cases—typically a parent, guardian, or spouse |
| Credit History | Student or co-applicant should ideally have a healthy credit history |
| Financial Stability | Co-borrower’s income considered for repayment ability |
| Collateral | Required for high-value loans; varies by loan amount |
đź“„ Documents Required for Education Loan
| Applicant Type | Documents |
|---|---|
| Student (Applicant) | – Identity proof – Address proof – Admission letter – Academic records |
| Co-applicant / Guarantor | – KYC documents – Income proof – Relationship proof with student |
| Income Proof (Salaried) | – Salary slips – ITR/Form 16 – Bank statements |
| Income Proof (Self-Employed) | – Business registration – ITRs – Profit & Loss statements |
🔍 For a detailed checklist, visit our “Documents Required” page or contact our loan experts.
đź’¸ Fees & Charges for Education Loans
| Particulars | Charges |
|---|---|
| Loan Processing Fees | 0.5% to 2% of the Loan Amount |
| Loan Cancellation | â‚ą0 (subject to lender terms) |
| Stamp Duty | As per state norms and property valuation |
| Legal Fees | As per actuals |
| Penal Charges | 2% per month (or 24% p.a. on overdue amount) |
| EMI / Cheque Bounce Charges | â‚ą590 per instance (approximate) |
🚀 Apply for Your Education Loan in Simple Steps
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Visit the Education Loan section on our website.
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Fill in your details and click Apply Now.
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Upload required documents and await approval.
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Our advisors will match you with the best offer from trusted banks and NBFCs.
🎓 Turn Dreams into Degrees with VISION ADVISORY/CONSULTING
We’re here to ensure finance is never a barrier to your academic aspirations. From school to university, in India or abroad—trust us to simplify your education loan journey.
👉 Apply Today or Speak to Our Education Loan Advisor now!
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