01Who it's for
Students with a confirmed admission letter
Parents planning two years ahead
Applicants to universities abroad
02Eligibility
Confirmed admission to a recognised institution
Indian citizen
Co-applicant parent or guardian
Collateral above ₹7.5 L for most lenders
03Documents needed
Admission letter and fee structure
Academic records and entrance scores
Co-applicant income proof and ITR
Collateral papers where applicable
Scope of work
What I handle for you
Not a product list — the specific work that happens once you say go.
01Course and country checked against lender listsApproved-institution lists differ by bank. Getting this right decides both the rate and whether collateral is needed at all.
02Collateral-free routes explored firstUp to ₹7.5 L is possible without security under the government guarantee scheme. We check that before pledging property.
03Moratorium and repayment mappedInterest during the course, EMI after — the family sees the real total before the offer letter is accepted.
0480E set up so you can claim itThe interest is fully deductible with no upper limit for eight years, but only if the loan sits in the right name.
EMI calculator
₹ 25 L
8.75%
20 years
Monthly EMI
₹ 22,093
Total interest₹ 28,02,264
Total repayment₹ 53,02,264
*Terms and conditions apply.
Frequently asked
When do repayments start?+
After the course plus a moratorium of six to twelve months. Interest accrues during the study period.
Is collateral always needed?+
Not below ₹7.5 L for most banks. Above that, property or a fixed deposit is usually required.
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