Finance your dream education in India or abroad
Amount
₹10 lakhs - ₹2 crores
Rate
7-9% p.a.
For engineering, medical, MBA in Indian universities
Amount
₹20 lakhs - ₹1 crore
Rate
8-11% p.a.
For studies in US, UK, Canada, Australia, and other countries
Amount
₹5 lakhs - ₹50 lakhs
Rate
7.5-10% p.a.
For CA, CS, CFA, TOEFL, GMAT, IELTS preparation
Amount
₹10 lakhs - ₹1 crore
Rate
7-9% p.a.
For PhD, Post-doctorate, and research programs
Age
Student: 18-35 years, Co-applicant: up to 60 years
Admission
Must have admission in recognized institution
Course Duration
Minimum 6 months course (full-time)
Academic Score
12th pass or higher with good grades
Co-applicant
Parent/guardian with stable income required
CIBIL Score
Minimum 650+ (family credit score)
Study Period Moratorium
During course + 6 monthsNo EMI during studies, only interest paid by bank/student
Post-Study Moratorium
1-2 years after studiesGrace period before starting full EMI repayment
Tenure Options
5-15 yearsChoose EMI duration based on course and future income
Flexible Repayment
Variable EMILower EMI initially, increase as income grows
12th & graduation mark sheets
Course admission letter
Fee structure document
Identity proof (Aadhaar, PAN)
Co-applicant ITR/salary slips
Bank statements (6 months)
Property documents (if applicable)
Loan guarantee/collateral details