Your Education. Our Funding Experts.
ShikshaVahini exists because families make one of their largest financial decisions with the least information, under the most time pressure.
7+
Study destinations covered
14+
Lending partners on platform
6
Loan journey stages guided
100%
Human counsellor support
Our purpose
What we do
We are an education loan guidance platform. We help you understand what you can realistically borrow, which lenders' published policies fit your course, country and collateral position, and how to prepare a file that doesn't get sent back.
We are not a lender, and we do not decide your loan. Banks and NBFCs do that. What we can do is make sure you approach them with the right expectations and the right paperwork, and that you understand what you're signing before you sign it.
We also tell students when borrowing less, deferring a semester or choosing a different programme is the financially sounder call. That conversation costs us a lead and saves a family years of avoidable EMIs.
Who we help
- Students admitted or applying to Indian and international institutions
- Parents navigating collateral, co-applicant and repayment options
- Working professionals returning to full-time study abroad
- Families comparing multiple lender offers without pressure
Why we started
Every year, thousands of Indian students get admission letters from excellent universities abroad, only to discover that arranging the education loan is harder than the admission itself.
The problem is not a lack of lenders. The problem is a lack of clear, honest guidance that connects a student's profile to the right lender at the right time. Families waste weeks approaching banks that cannot fund their course, or signing documents they don't fully understand.
ShikshaVahini was built to close that gap. We combine lender policy knowledge with a counselling approach that treats every student as a person, not a transaction.
How we think
Our values
Student-first, always
We optimise for what helps the student make a sound decision, not what closes a lead fastest. If a smaller loan or a different intake is the right call, we say so.
No false promises
We never quote 'guaranteed approval', 'lowest rate' or 'instant sanction'. We share realistic lender policies and let you decide with full context.
Transparent paperwork
We explain every document, every clause and every charge so you understand what you're signing before the application leaves your hands.
Built for India, global by focus
Whether you are studying in India, the US, UK, Canada, Germany, Australia or Ireland, we understand the funding, visa and living-cost realities of each destination.
How we work
Find suitable lenders
We match your course, country, collateral position and co-applicant profile against lender policies, so you apply where you actually fit.
Understand your options
Secured or unsecured, bank or NBFC, rupee or foreign currency — we explain the trade-offs in plain language before you commit.
Prepare documentation
A complete file moves faster. We give you a checklist tailored to your lender and review documents before submission.
Apply with confidence
We help you present your profile accurately, so avoidable questions and re-submissions don't cost you weeks.
Track the process
You always know what stage your application is at, what is pending and who is waiting on what.
Support until disbursement
We stay involved through sanction, agreement and disbursement to your institution — not just until you apply.
Our approach
What makes us different
Profile-fit matching
We start with your course, country, amount and collateral position, then show lenders whose published criteria align with your profile.
Lender-agnostic guidance
We partner with banks and NBFCs but do not push any one lender. Recommendations are based on fit, not commission or tie-up pressure.
Counsellor-led conversations
Our team talks to hundreds of students and families every month. You get human support on WhatsApp, email or video, not just a chatbot.
End-to-end journey support
From eligibility check and document checklist to application submission and disbursement tracking, we stay with you across the full loan cycle.
Destinations we cover
India
Study-in-India loans, PG diplomas, test prep funding
USA
MS, MBA, STEM OPT and co-signer vs collateral options
UK
Masters, one-year MBA, post-study work visa funding
Canada
PG diplomas, SDS stream, GIC and living-cost support
Australia
Bachelors, masters, regional campus and living loans
Germany
Public university tuition, blocked account and living costs
Ireland
One-year masters, critical skills and stay-back funding
Lender ecosystem we work with
Public-sector banks
SBI, Union Bank, Bank of Baroda and others with competitive secured-loan products and broader collateral acceptance.
Private banks & NBFCs
Axis, ICICI, IDFC FIRST, Credila, Avanse, Auxilo, InCred and Tata Capital for flexible collateral and co-applicant options.
International lenders
MPOWER Financing and Prodigy Finance for students heading to supported universities abroad without Indian collateral.
Step by step
Your loan journey with us
Understand your goal
We learn about your course, intake, country, total cost and how much you need to borrow.
Check realistic fit
We compare lender policies, collateral requirements, interest-rate ranges and documentation norms.
Prepare your file
We give you a personalised checklist and review documents before submission to reduce rejection cycles.
Apply and track
We help you submit to the right lender and follow up on sanction, disbursement and any post-visa requirements.
Our team and advisors
A small, experienced team of counsellors, credit analysts and former education-loan professionals.
Counsellors
Talk students and parents through options, set realistic expectations and coordinate with lenders.
Credit analysts
Review profiles against lender policies and flag documentation gaps before submission.
Lender operations
Follow up on applications, track sanction status and help families through disbursement.
What we won't do
- Promise guaranteed approval, a specific interest rate or an instant sanction.
- Quote lender terms as fixed facts when they change with policy and profile.
- Publish testimonials or numbers we cannot substantiate.
- Push you toward a lender because it suits us rather than you.
- Charge students upfront fees for basic eligibility guidance or lender introductions.
Preliminary assessment only. Final eligibility, interest rate and loan terms are determined by the lender.