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Both options can fund your education abroad — the right choice depends on collateral availability, loan amount needed, and how quickly you need approval.
Requires collateral such as property, fixed deposits, or other assets.
Typical benefits:
• Lower interest rates [TODO: e.g. ~8.5%–11%]
• Higher loan amounts [TODO: e.g. up to ₹1.5 Cr]
• Longer repayment tenure
• Available for most study destinations
No collateral required — approval based on academic profile, co-applicant income & admit quality.
Typical benefits:
• Faster processing & approval
• No asset risk
• Loan amount [TODO: e.g. up to ₹40–60 lakh]
• Interest rates [TODO: e.g. ~11%–14%]
Exact requirements vary by lender — our counsellors will confirm the precise checklist for your chosen bank/NBFC.
Confirmed offer/admit letter from your university.
Usually a parent or guardian with proof of income.
ID proof, address proof, and academic transcripts.
(Secured loans only) Property papers, FD receipts, etc.