Services
Education loans
Funding is the single biggest reason students abandon a confirmed offer. It rarely needs to be. We work with 25+ banks and NBFCs, and the difference between a rejection and a sanction is usually how the file is presented rather than the numbers in it.
- Partner banks and NBFCs
- 25+
- Maximum without collateral
- ₹1.5 Cr
- Interest from
- 8.5%
- Typical sanction time
- 7 days
What you get
What our education loans covers
Collateral-free loans
Up to ₹1.5 crore without security, assessed on your university ranking and course employability rather than family assets alone.
Secured loans
Up to ₹5 crore against property, fixed deposits or insurance policies, at materially lower interest rates.
Multi-bank comparison
We run your profile past several lenders at once and put the offers side by side, rather than pushing whichever bank pays us most.
Full cost coverage
Loans cover tuition, living costs, airfare, insurance, laptop and books — not just the university invoice.
Moratorium period
Repayment starts six to twelve months after your course ends, so instalments begin once you are earning.
Section 80E tax benefit
Interest paid is fully deductible for up to eight years under Section 80E, with no upper limit on the amount.
Free, at every stage
Get education loans without paying a rupee
Universities fund our service, not students. You get the same support whichever university you choose, and there is no charge at any point in the process.
- No fee at any stage
- 34 years and 2.5 lakh students placed
- 200+ counselors across 24 offices
- Reply within 24 hours
Compare
Loan options compared
| Loan type | Amount | Interest rate | Collateral |
|---|---|---|---|
| Unsecured — public bank | Up to ₹7.5 lakh | 9.0% – 11.5% | None |
| Unsecured — private bank | Up to ₹50 lakh | 10.5% – 13.0% | None |
| Unsecured — NBFC | Up to ₹1.5 crore | 11.0% – 14.5% | None |
| Secured — property | Up to ₹5 crore | 8.5% – 10.5% | Property |
| Secured — fixed deposit | Up to deposit value | 8.5% – 9.5% | FD lien |
| International lender | Up to full cost | 11.0% – 15.0% | None |
Questions about education loans?
Send your details and a specialist will call you back with answers specific to your case — not a brochure.
How it works
What happens, and when
- Step 1
Eligibility check
A free assessment of what you can borrow, against which lenders, in about a day.
- Step 2
Lender shortlist
Three to four lenders matched to your profile, compared on rate, margin and processing fee.
- Step 3
Documentation
We assemble the file — income proof, collateral papers, admission letter — and check it before submission.
- Step 4
Sanction
Sanction letters typically arrive in seven to fifteen days, in time for your visa filing.
- Step 5
Disbursement
Funds are released to the university directly, semester by semester or in full.
Checklist
Loan application documents
Have these ready before you start. A counselor checks every one before anything is submitted.
- University admission or offer letter
- Estimated cost of study from the university
- Academic mark sheets and certificates
- Student KYC — PAN, Aadhaar, passport
- Co-applicant KYC and income proof
- Last six months of bank statements
- Salary slips or business income proof for the co-applicant
- Two years of income tax returns
- Property papers and valuation, for secured loans
- Test scorecards — IELTS, TOEFL, GRE or GMAT
10 documents in total
Success stories
Students who are already there
Rated 4.8 out of 5 by 12,480 students. Every one of these started with the same free call you are one click away from.
I applied to six universities and had no idea how to rank them. My counselor mapped each one against the jobs I actually wanted, and I picked Edinburgh in a single afternoon. The visa file was ready three weeks before the deadline.
The loan process was the part I dreaded. They put together the collateral paperwork, introduced me to two banks and I had a sanction letter in eleven days.
My IELTS was half a band short for my first choice. Instead of telling me to settle, they built a four-week plan, I retook it, and got the offer with a scholarship.
Nobody else explained that public universities in Germany charge no tuition. That one conversation changed my entire budget and I graduated debt free.
Accommodation in Dublin sells out by June. They had my student housing confirmed in April, before I had even booked flights.
Questions
Education loans, answered
The questions students actually ask us about this service.
Free consultation
Talk to a counselor who has placed 2.5 lakh students
Tell us where you are in the process. We will come back with a shortlist, realistic costs and the deadlines that actually apply to you.
- Free counseling, always — no hidden fees
- A counselor calls you back within 24 hours
- Your details are never sold or shared