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Tata Capital Education Loan

NBFC

An NBFC education loan for domestic and overseas study with structured repayment options and flexible security requirements.

Indicative rate
10.99% – 15%
Loan amount
Up to ₹75L depending on the case
Collateral
Secured and unsecured routes
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Indicative interest rate
10.99% – 15% p.a.
Loan amount
Up to ₹75L depending on the case
Collateral
Secured and unsecured routes
Tenure
Up to 12 years including moratorium
Moratorium
Course period plus 6 months
Processing fee
Percentage-based processing fee
Prepayment
Usually permitted after a lock-in
Lender type
NBFC

Loan products offered by Tata Capital Education Loan

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

Collateral-free education loan

Students on approved course and university lists without property to pledge.

Typical amount
Typically ₹10L to ₹60L based on profile
Security expected
Co-applicant income; no tangible security
Pricing
Higher than bank schemes, priced to your profile
  • Digital documentation and quicker sanction
  • Full cost of attendance can often be funded
  • Flexible on self-employed and NRI co-applicants
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Product 2

Secured loan against property or deposits

Families who can pledge security and want a lower rate than the unsecured route.

Typical amount
Up to ₹1 Cr subject to security value
Security expected
Residential or commercial property, FD or securities
Pricing
Meaningfully lower than the collateral-free product
  • Larger sanction limits for expensive programmes
  • Longer tenure than unsecured loans
  • Valuation and legal checks add time
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Product 3

Interest-servicing and part-payment options

Families wanting a lower total interest cost during study years.

Typical amount
Applies over the sanctioned amount
Security expected
As per the base product
Pricing
Same as the base product
  • Simple interest or partial interest during moratorium
  • Reduces the amount capitalised into your EMI
  • Prepayment allowed after any lock-in period
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Eligible countries

  • India
  • USA
  • UK
  • Canada
  • Australia
  • Germany
  • Ireland

Eligible courses

  • Bachelor's
  • Master's
  • MBA
  • PhD
  • Diploma

Documentation

  • KYC of applicant and co-applicant
  • Admission or offer letter
  • Academic marksheets and test scores
  • Co-applicant income or business proof
  • Cost of study breakup
  • Existing loan or obligation details

Benefits

  • Funding for both Indian and overseas programmes
  • Flexible repayment structures
  • Established servicing network

Considerations

  • Rate depends on profile and security
  • Fee and charges should be compared against banks

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 Tata Capital 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
10.99% p.a.
2 years
6 months
10 years

Indicative starting rate for Tata Capital Education Loan. Your sanctioned rate depends on your profile, collateral and the lender's spread.

Estimated EMI

₹43,881

Starting after a 30-month moratorium

Total interest
₹27,65,740
Total repayment
₹52,65,740
Interest during moratorium
₹6,86,875
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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.

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