Education Loan Assistance & Free Calculators
Understand your EMI, compare interest types, and check your loan eligibility — instantly, before you apply.
Types of Education Loans
Secured Education Loan
Backed by collateral (property/FD) — higher loan amount, lower interest rates (~8.5%-10.5% p.a.).
Unsecured Education Loan
No collateral needed — faster approval, typically capped around ₹7.5-20 Lakh depending on the bank/NBFC.
Government Bank Loans
SBI, PNB, Bank of Baroda etc. offer subsidised schemes with competitive rates for meritorious students.
NBFC / Private Lender Loans
Faster processing (Avanse, InCred, HDFC Credila) — great for destinations/courses not covered by PSU banks.
Partner Banks & NBFCs
Documents Required
- Admission / Offer Letter from University
- Academic Transcripts (10th, 12th, Bachelor's)
- IELTS/PTE/TOEFL Score Card
- KYC Documents (Aadhaar, PAN, Passport)
- Co-applicant Income Proof (Salary Slips / ITR)
- Collateral Documents (if applicable)
- Bank Statements (last 6 months)
- Passport-size Photographs
Our Loan Assistance Process
Document Collection
We help you gather and organise every required document.
Bank/NBFC Shortlisting
We compare rates across multiple lenders to find your best fit.
Application Filing
Our team fills and files your loan application end-to-end.
Sanction & Disbursement
We follow up until your loan is sanctioned and disbursed on time.
EMI Calculator (Reducing Balance)
See your exact monthly EMI, including the moratorium (study + grace) period.
Monthly EMI
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Total Interest
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Moratorium Interest
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Total Payable
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Month-wise Amortisation Schedule
Flat Rate vs Reducing Rate Comparison
See exactly how much you save by choosing a reducing-balance loan.
Flat Rate
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EMI/month
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Total Interest
Reducing Rate
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EMI/month
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Total Interest
You Save With Reducing Balance
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Eligibility & Moratorium Calculator
Estimate how much loan you may be eligible for, based on your course cost and co-applicant income.
Estimated Loan Eligibility
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Interest Accrued During Study (Simple Interest)
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Total Outstanding at Repayment Start
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Estimated Monthly EMI
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* This is an illustrative estimate only. Actual loan eligibility and interest rate depend on the bank/NBFC's policy, your academic profile, and co-applicant's credit history. Our counsellors can get you an accurate quote from our partner lenders.
Prefer to talk directly? Call +91 97806 90090 or visit our contact page.