A breakdown of the loan structures this partner typically offers, who each one suits, the security expected and how the pricing compares. Your counsellor will confirm which product fits your course, institution and co-applicant profile.
Product 1
Education-only NBFC loan (secured or unsecured)
Overseas and domestic students who want one lender for the entire journey.
Typical amount
Up to ₹1 Cr with adequate security
Security expected
Both routes available
Pricing
Benchmark-linked, reviewed periodically
Sanction before admission possible
Covers tuition, living costs and travel
Repayment options including interest servicing while studying
Education-only underwriting with course-aware assessment
Sanction possible before admission confirmation in some cases
Interest-only servicing during study in many structures
Considerations
Rates are higher than public sector scheme loans
Floating benchmark can move during the tenure
Application process
Digital profile assessment
Document upload and verification
Credit and collateral evaluation
Sanction letter with rate and tenure
Agreement signing
Tranche-wise disbursement
EMI calculator for Credila Education Loan
Pre-filled with this lender's indicative starting rate. Adjust the amount, course duration and tenure to see the monthly instalment after your moratorium.
₹25 lakh
10.50% p.a.
2 years
6 months
10 years
Indicative starting rate for Credila Education Loan. Your sanctioned rate depends on your profile, collateral and the lender's spread.
This calculator is an estimate. It assumes a fixed rate and equal monthly instalments. Actual EMIs depend on your lender's rate reset policy, interest capitalisation method, fees and disbursement schedule.
Frequently asked questions
Rates, fees and terms are subject to lender policies, scheme changes and your applicant profile. ShikshaVahini does not guarantee approval or any specific rate.
Not sure which lender fits your profile?
Share your course, country and collateral position. A ShikshaVahini counsellor will walk you through realistic options.
