Invest in Your Future. We'll Finance Your Education.

An education loan isn't just debt – it's an investment in your highest-earning asset: yourself. While scholarships cover the exceptional few, education loans democratize quality education. Our loans are structured around your career trajectory, with repayment beginning only after you start earning. We don't just finance degrees; we invest in future leaders, innovators, and professionals."

Types of Education Loans

By Study Destination:

Study Abroad Loans:

• Top Destinations: USA, UK, Canada, Australia, Germany, Singapore

• Coverage: Tuition fees, living costs, travel, insurance, equipment

• Special Features: Forex services, international collateral options

• Processing Time: 15-20 days

Domestic Education Loans:

• Institutions Covered: IITs, IIMs, NITs, AIIMS, top private universities

• Coverage: Tuition, hostel, books, project expenses

• Special: Quick processing (7-10 days), lower rates

• Government Scheme Integration: Vidya Lakshmi portal linked

By Course Level:

Undergraduate Loans:

• For: BA, BSc, BCom, BBA, BTech, MBBS, BArch

• Eligibility: Class 12 completed, admission secured

• Co-applicant: Mandatory (parent/guardian)

Postgraduate Loans:

• For: MBA, MS, MTech, PhD, MD, LLM

• Eligibility: Graduation completed, work experience considered

• Co-applicant: Required, but student's income potential weighted

Professional Certification Loans:

• For: CA, CS, CFA, FRM, Digital Marketing, Data Science

• Coverage: Course fees, exam costs, study material

• Special: Shorter tenure, quicker disbursal

Special Education Loans:

Skill Development Loans:

• For: Vocational training, technical courses

• Institutions: Government-recognized skill centers

• Features: Quick approval, employment-linked

Competitive Exam Coaching:

• For: UPSC, GATE, CAT, GRE, GMAT coaching

• Coverage: Coaching fees, study material, test series

• Repayment: Flexible, can combine with subsequent degree loan

Research & PhD Loans:

• For: Doctoral studies, research projects

• Coverage: Stipend supplement, equipment, conference travel

• Tenure: Longer considering research duration

Eligibility Criteria

Student Eligibility:

• Age: 18-35 years (relaxable for PhD/research)

• Academic Qualification:

  • For UG: Minimum 60% in Class 12

  • For PG: Minimum 55% in graduation

  • For PhD: Master's degree completed

• Admission: Secured admission in recognized institution

• Course: Full-time, regular courses (distance learning limited)

• Indian Citizenship: Required (NRIs/PIOs have separate schemes)

Co-applicant Requirements:

• Who Can Be Co-applicant: Parents, spouse, siblings, in-laws

• Age: 21-70 years at loan maturity

• Income: Minimum ₹25,000/month net income

• Credit Score: 650+ preferred

• Employment: Stable employment/business

Institution Recognition:

• Abroad: Top 1000 QS/THE ranked or country-recognized

• India: UGC/AICTE/Medical Council approved

• Professional: Recognized professional bodies

• Check Tool: Our institution recognition checker available

Course Value Assessment:

• Employability: Placement records, average salaries

• Accreditation: Program-specific accreditations

• Ranking: Institutional and program rankings

• Return on Investment: Expected salary vs loan amount.

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