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StudCred

Education Loans

Find the right education loan for you

Whether you're studying in India or abroad, at undergraduate or postgraduate level, StudCred helps you compare and choose the best financing for your goals.

Loan categories

Loans for every course and destination

Pick a category to see rates, eligibility, documents and FAQs tailored to it.

Study Abroad Loans

Education loans for undergraduate and postgraduate study at international universities, covering tuition, living costs, travel and more.

From 9.5% p.a.Explore

Domestic Loans

Loans for graduation, post-graduation and professional courses at recognised Indian colleges and universities.

From 8.5% p.a.Explore

Undergraduate Loans

Financing for bachelor's degrees in India and abroad — engineering, arts, science, commerce and more.

From 9.0% p.a.Explore

Postgraduate Loans

Loans for master's programs, MS, MTech, MSc and specialised postgraduate courses in India and overseas.

From 9.25% p.a.Explore

MBA Loans

Specialised loans for MBA and PGDM programs, including one and two-year global MBAs.

From 9.5% p.a.Explore

Medical Loans

Loans for MBBS, MD, MS, nursing and allied medical courses in India and abroad, including higher-cost programs.

From 9.5% p.a.Explore

Engineering Loans

Loans for BE/BTech, ME/MTech and specialised engineering courses at IITs, NITs and top global universities.

From 9.0% p.a.Explore

How it works

Your loan journey, simplified

Four guided steps from first enquiry to funds in your institution's account.

  1. 1

    Share your profile

    Tell us about your course, institution and co-applicant. It takes two minutes and there's no obligation.

  2. 2

    Compare matched offers

    See loan options from banks and NBFCs suited to your profile, with transparent rates and terms side by side.

  3. 3

    Submit documents

    Upload your documents once. We help you prepare a clean file to speed up sanction and disbursement.

  4. 4

    Get sanctioned & disburse

    Receive your sanction letter, complete verification, and get funds disbursed directly to your institution.

FAQs

Frequently asked questions

What is StudCred?
StudCred is a digital education-loan discovery platform. We help students and parents compare loan options from leading banks and NBFCs, check eligibility, calculate EMIs, and get matched to the right lender — for study in India and abroad.
Does StudCred charge students any fee?
No. StudCred's comparison and guidance is free for students. Lenders may charge their own processing fees, which are always disclosed upfront.
How much education loan can I get?
Loan amounts typically range from ₹50,000 up to ₹1.5 Crore depending on the course, institution, co-applicant profile and whether you offer collateral. Use our eligibility calculator for an indicative estimate.
Can I get an education loan without collateral?
Yes. Collateral-free (unsecured) loans are available up to ₹7.5 Lakh for domestic study and up to ₹75 Lakh for premier institutions abroad, subject to the co-applicant's income and profile.
When do I start repaying the loan?
Most education loans include a moratorium (repayment holiday) covering the course duration plus 6–12 months, so you begin EMIs after you finish studying and settle into a job.
Are there tax benefits on education loans?
Yes. Under Section 80E of the Income Tax Act, the entire interest paid on an education loan is deductible for up to 8 years, with no upper limit on the amount.
How long does approval take?
With complete documents, in-principle sanctions can come within 2–7 working days. Timelines vary by lender and whether collateral is involved.
Which expenses does an education loan cover?
Beyond tuition, loans usually cover living expenses, accommodation, travel, insurance, exam and library fees, laptops and other course-related costs.

Ready to fund your education?

Compare offers from 15+ banks and NBFCs in minutes. It's free, fast, and there's no obligation.

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