Any student who has secured admission in a recognized course in abroad can apply. Parents or guardians usually become co-applicants.
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Any student who has secured admission in a recognized course in abroad can apply. Parents or guardians usually become co-applicants.
Tuition fees, exam fees, hostel charges, books, equipment, travel expenses (for abroad studies), and other necessary study-related expenses.
For studies abroad: Usually up to ₹10– 75 Lakhs (Varies from bank to bank and depends on your course and institution.)
Usually don’t require collateral (only parent/guardian co-obligation).
Rates vary by bank, usually 9%–14% per annum. Some banks offer lower rates for premier institutions or female applicants.
Repayment starts 6–12 months after course completion or once the student gets a job (whichever is earlier). This is called the moratorium period. Moratorium period vary by bank.
Typically 5 to 15 years, depending on the bank and loan amount.
Yes ✅ Under Section 80E of the Income Tax Act, the interest paid on education loans is tax-deductible for up to 8 years.
Yes, usually a parent/guardian/spouse must be a co-applicant for the loan.
Yes, most banks allow prepayment without penalty after a minimum lock-in period (check bank’s terms).
