Education loan guides and explainers
Written by the counsellors who answer these questions on calls every day.
Featured · Education Loans
Education loan basics: how student lending actually works in India
A plain-English walkthrough of how banks and NBFCs assess an education loan — margin money, co-applicants, sanction letters, disbursement and what really decides your outcome.
ShikshaVahini Counselling Desk · 9 min read
Education Loan
Education Loan Interest Rates in India : Compare Banks & EMI
Compare education loan interest rates in India for 2026 from leading banks and NBFCs. Explore SBI, ICICI Bank and other lenders, compare secured and unsecured education loans, calculate EMI, understand processing fees, and discover tips to find the best education loan interest rate for studying in India or abroad.
ShikshaVahini Team · 6 min read
Government Schemes
PM Vidyalaxmi Scheme 2026: Eligibility, Education Loan, Interest Subsidy, Application Process & Last Date
The PM Vidyalaxmi Scheme is designed to make higher education more accessible by offering collateral-free and guarantor-free education loans to meritorious students admitted to designated Quality Higher Education Institutions (QHEIs).
ShikshaVahini Team · 6 min read
Bank Loans
Best Bank for Education Loan in India for Studying Abroad: 2026 Guide
Choosing the best education loan for studying abroad is not simply about finding the lowest interest rate. Students should compare interest rates, loan amount, collateral requirements, margin money, processing fees, moratorium period, repayment tenure and prepayment terms before selecting a lender.
ShikshaVahini Counselling Desk · 9 min read
Education Loans
How Much Education Loan Can I Get for Studying Abroad?
Planning to study abroad is exciting—until you start adding tuition fees, accommodation, flights, insurance, visa costs and everyday expenses. Suddenly, a ₹25 lakh plan can become ₹40 lakh, and a ₹40 lakh plan can become ₹70 lakh.
ShikshaVahini Team · 6 min read
Education Loans
Education Loan Without Collateral for Study Abroad 2026: Complete Guide for Indian Students
No Property? No Problem! 🎓 Discover how Indian students can get education loans without collateral for studying abroad in 2026.
ShikshaVahini Team · 6 min read
Education Loans
Terms Used in Education Loan: 30+ Important Terms Every Student and Parent Must Know
Understanding education loan terms like EMI, interest rate, moratorium, margin, collateral, co-applicant, tenure and interest subsidy helps students and parents make informed borrowing decisions. This guide explains these key terms in simple language so you can compare loan options, understand repayment costs and choose the right education loan confidently.
ShikshaVahini Team · 6 min read