Fund Your Dream Education
Access comprehensive education loans from ₹5 Lakhs up to ₹1.5 Cr+ for premier institutions in India and abroad. Enjoy quick sanctioning, flexible repayment moratoriums, and Section 80E tax benefits.
Choose Your Education Loan
From domestic degrees to top-tier international universities—explore customized financing products structured around your academic goals.
India Higher Education Loan
Max Amount
Up to ₹50 Lakhs
Interest Rate
8.15%
- 100% tuition and hostel fee coverage
- Moratorium period: Course duration + 1 year
- Zero collateral required up to ₹7.5 Lakhs
- Full Section 80E tax deduction on interest paid
Study Abroad Education Loan
Max Amount
Up to ₹1.5 Crore+
Interest Rate
8.50%
- Covers tuition, travel, living expenses & health insurance
- Pre-visa sanction letter for smooth immigration clearance
- Flexible secured and unsecured loan structures
- Fast-track sanctioning within 3 to 5 business days
Executive & Skill Development
Max Amount
Up to ₹30 Lakhs
Interest Rate
8.99%
- Fast paperless approval for working professionals
- Flexible EMI options with part-payment facilities
- Covers part-time, hybrid, and international modular courses
- No physical collateral needed for salaried applicants
Domestic vs. International Comparison
Key differences between studying in India and pursuing global degrees overseas.
| Feature | Domestic Degree | Study Abroad |
|---|---|---|
| Loan Amount | ₹5 Lakh to ₹50 Lakh | ₹10 Lakh to ₹1.5 Cr+ |
| Starting Interest Rate | 8.15% p.a. | 8.50% p.a. |
| Collateral Requirement | Nil up to ₹7.5 Lakh | Secured & Unsecured options |
| Repayment Moratorium | Course tenure + 6-12 months | Course tenure + 6-12 months |
| Maximum Tenure | Up to 15 years | Up to 15 years |
| Tax Benefit (Sec 80E) | 100% on interest paid (8 years) | 100% on interest paid (8 years) |
Education Loan EMI Calculator
Estimate your monthly installments and structured course repayment schedule
Payment Summary
*Note: Figures are indicative. Actual schedules depend on course moratorium policies and lender terms.
Our Lending Partners
Strategic tie-ups with leading Indian banks, NBFCs, and specialized education financiers offering competitive student loan rates.
Avanse Financial Services
Auxilo Finserve
Axis Bank
Bank of Baroda
State Bank of India
Bank of Maharashtra
Central Bank of India
HDFC Credila
Why Choose Our Education Loans?
We provide structured financial products built to grant you maximum repayment flexibility and peace of mind.
Zero Pre-payment Charges
Repay your loan early without any penalty fees—save on total interest outflow and become debt-free sooner.
Section 80E Tax Deduction
Claim up to 100% tax deduction on interest paid for up to 8 years under Section 80E of the Income Tax Act.
Flexible Moratorium Period
Zero EMI pressure during the course duration plus a 6 to 12 months grace period after graduation.
Bundled Insurance Coverage
Student travel, emergency health, and loan protection covers seamlessly bundled with select lender products.
100% Comprehensive Funding
Covers university tuition, living accommodation, laptops, textbooks, laboratory equipment, and airfare.
Direct University Disbursal
Funds are transferred directly to your university's fee department to satisfy strict foreign visa timelines.
Central Interest Subsidy (CSIS)
Government interest subsidies available for eligible Economically Weaker Section (EWS) students during the moratorium.
Global 40+ Country Coverage
Unsecured and secured loans for top-ranked institutions across the USA, UK, Canada, Australia, Germany, and Ireland.
How to Apply in 4 Simple Steps
Our automated process ensures you secure funding without unnecessary delays, campus visits, or paperwork bottlenecks.
Fill Application
Provide basic information about the student, target course, university, and required loan quantum.
Document Submission
Upload academic credentials, university admission letters, and co-applicant financial records online.
Credit Assessment
Underwriting evaluation of the student profile, university ranking, and co-sponsor repayment capacity.
Sanction & Disbursal
Receive an official sanction letter. Funds are disbursed directly to the academic institution as per fee schedules.
Eligibility Criteria
Available to Indian students pursuing professional higher education programs in India and abroad.
Domestic Studies
General India University Criteria
- Indian citizen between 16 to 35 years of age
- Confirmed admission in a recognized degree/diploma program
- Academic track record with 50%+ in prior qualifying exams
- Valid offer or conditional acceptance letter
- Co-applicant (parent, spouse, or legal guardian) required
Overseas Studies
Additional for International Programs
- Confirmed admission in accredited overseas college/university
- Valid student visa, I-20 Form (USA), or CAS Letter (UK)
- Standardized language/aptitude scores (IELTS/TOEFL/GRE/GMAT)
- Pre-visa loan sanction documentation supported
- WES / academic credential evaluations accepted
Document Checklists
Organize scanned digital copies for expedited sanctioning and verification.
Applicant (Student)
- Identity Proof & PAN Card
- Class 10, 12 & Degree Marksheets
- University Offer / Admission Letter
- Official Detailed Fee Structure
- Entrance / Language Scorecard (GRE/IELTS)
Co-Applicant (Financial)
- KYC (Identity & Address Proof)
- Last 3 to 6 Months Salary Slips
- Last 6 to 12 Months Bank Statements
- Last 2 to 3 Years ITR / Form 16
- Business Financial Statements (if Self-Employed)
Collateral Assets (If Applicable)
- Registered Property Title Deed
- Approved Property Valuation Report
- Fixed Deposit Lien Receipts
- Surrender Value Certificate (Insurance)
- Recent Encumbrance Certificate
Overseas Specific
- Valid Student Passport Copy
- I-20 (USA) / CAS (UK) / CoE (Australia)
- Student Visa Approval / Application
- Proof of Liquid Funds / Solvency Certificate
- University Accreditation Documentation
Document Preparation Note: Ensure all digital files (Identity Proof, Academic Transcripts, Admission Letters, and Bank Statements) are clear, uncropped PDF or JPG scans.
Disclaimer: Education loan approvals, interest rates, and sanction amounts are subject to lender eligibility norms, university accreditation criteria, and applicable regulatory guidelines. BhartiMall acts solely as a financial facilitator and not a direct lender.
Frequently Asked Questions
Everything you need to know about education loan terms, interest rates, tax deductions, and overseas disbursals.
Ready to Fund Your Dream Degree?
Submit an application for an instant pre-eligibility review. Our dedicated education loan advisors will connect with you within 24 hours.