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• Education Loan /

HDFC Education Loan

• Updated on  
• Feb 23, 2023

It is every parent’s dream to provide their children with quality education . But in the contemporary economy where educational costs are on a rise, it is becoming tough to provide the best possible education to your children. Education loans are an effective way to cope up with the financial issues restraining your child from better education opportunities. With the help of these loans, you can afford higher education without digging a hole in your pockets. The purpose of these loans is to cover all expenses incurred while studying, which typically includes admission, tuition fee, examination, health insurance, travel expenses and other equipment. There are several different education loans provided across various banks and organisations. One such education loan is HDFC education loan. If you are someone who is looking for ways to tackle financial constraints to pursue higher education, here is an insightful blog which will walk you through the essential features and benefits of HDFC Education Loan and HDFC credila education loan.

This Blog Includes:

What is an education loan, advantages of hdfc bank education loan, hdfc bank education loan for indian education, hdfc education loan with credila, hdfc bank education loan for foreign education, hdfc education loan interest rate, hdfc credila education loan interest rate, eligibility of hdfc education loan, documents required for education loan, how to apply for hdfc bank education loan, hdfc credila education loan without collateral, hdfc education loan without collateral, hdfc education loan status, hdfc education loan emi payment methods, for official queries, other funding options.

An education loan is a loan or a sum of money obtained by a person to pursue higher education in India or abroad. After the student completes their study, the loan payback begins, and students are allowed a grace period of six months to find or join a job. Your choice of interest will impact the payback amount; you must pick how you wish to repay the loan. That is, whether you wish to begin paying either during the moratorium period or after it has ended. The Moratorium term is equal to the length of your schooling plus six months or a year to find work. You are only required to repay the loan when this period has passed. The loan interest begins to accrue at the time of disbursement of money, so by the time you graduate, you will owe a large sum. The other alternative is for your parents or guardians to begin paying the debt while it is still in the moratorium period, when it is computed as a simple interest. In this method, the amount of money you owe after you graduate is dramatically lowered.

The four types of education loan in India are listed below.

• Undergraduate Education Loan
• Postgraduate Education Loan
• Parents who to avail the education loan
• Education Loans for Career Growth

About HDFC Education Loan

The Housing Development Finance Corporation Limited (HDFC) offers various education loans to Indian students applying for admissions in Indian and foreign colleges. HDFC Education Loan promises complete transparency to the applicants while sanctioning the loans to eradicate the problem of doubts and security. Being a market leader for over two decades, HDFC has established a valuable customer base and reputable standards. The education loans are provided with fast disbursement, easy documentation, and higher loan amounts with competitive rates and charges. Students are provided with all major expenses incurred during the tenure of their courses.

Some of the benefits of applying for an educational loan with HDFC Bank are listed below.

• Low-interest rate
• Less paperwork
• Faster Disbursal
• Hassle-free application process

The HDFC Education Loans are available in the following two variants:

This HDFC Education Loan is offered to students aspiring to pursue higher education in colleges recognized by UGC, AIBMS, ICMR, AICTE in several disciplines. HDFC offers great financial solutions with multiple benefits under every loan scheme along with fast loan processing and easy documentation process. Moreover, each education loan is designed according to the requirements of wide-ranging programs and academic institutions.

Here are some of the major benefits of HDFC Education Loan for Indian Education:

• No collateral is required to be submitted as security for loans up to Rs. 7.5 lakhs. Any loan amount exceeding that would require collateral security in the form of residential properties, HDFC Bank Fix Deposit, LIC, or any other valid document. 
• Borrowers availing loans up to Rs. 7.5 lakhs can extend their repayment tenures up to 10 years and for the loan above this amount, the tenure can extend up to 15 years. 
• Applicants are required to pay at least 1% of the total loan amount as processing fees. 
• Applicants are not required to submit any margin amount for loans up to 4 lakh INR but for loans above this, a margin of 5% is required. 
• If the education loan is pre-closed during the monitoring period then, an outstanding amount of up to 4% has to be paid as prepayment charges. 
• The education loans taken for pursuing higher studies in India will be directly disbursed to the institutions as per the given fee structure.
• The loan also provides additional coverage of life insurance for students under insurance protection. 

Check out Loans by Government Education Loan by Delhi Government Education Loan Scheme by Narendra Modi Education Loan for Abroad Studies by Indian Government

HDFC bank in collaboration with Credila, offers customized education loan schemes to students aspiring to pursue various degree courses abroad in over 4000 universities across 36 countries worldwide. HDFC provides attractive interest rates, flexible repayment and loan tenures to those wanting to study abroad in their chosen field of interest. Further, this scheme also provides students with an option of getting loan sanctioned before their admissions are confirmed in order to help them plan their finances and improve their chances of getting admissions. 

Here are some of the major benefits of HDFC Education Loan for Foreign Education:

• HDFC Education Loan for studies abroad covers expenses like hostel fees, book fees, tuition fees, along with the travel expenses. 
• Borrowers are required to pay 1.5% of the total loan amount as processing fees. 
• The loan finances up to 100% of the cost of education and also approves loan amount above Rs 20 lakhs.
• If the education loan is pre-closed within 12 months from the date of agreement, then applicants have to pay 4% of the principal amount as prepayment charges. 
• The tuition fees and the hostel fees are disbursed directly to the institutions where the students have been admitted to.
• Education loan taken for studies abroad have to be repaid as monthly instalments.

The education loan interest rate is different for courses in India & courses from abroad. HDFC Educational Loan covers course fees, purchase of books, equipment, instruments, uniform, payment of hostel fees, examination fees, study tools, etc. The HDFC Education Loan Interest Rate can be ranged between 9 – 14% for courses in India as well as abroad. 

HDFC Credila Education Loan

The rate of interest & loan amount offered by banks are the same for all the students belonging to the same category, HDFC Credila education loan offers a customize education loan at your doorsteps without the stress of long queues at banks & the application process is also easy. The maximum loan amount is Rs. 20 Lacs & without any security the loan amount is Rs. 7.5 Lacs. Unlike the other banks, loans are sanctioned before admissions also.

The HDFC Credila education loan interest rate is different for individuals. It depends on the loan amount, courses, university, academic background & various other factors. The loans are custom made just like that the rate of interest is also different. However, it usually ranges between 11 – 13%. You can calculate the rate of interest by using (HDFC Credila’s CBLR + Spread)% per annum. The HDFC Credila’s CBLR is always changing. 

Click Here for Current HDFC Credila CBLR

Please check the eligibility of HDFC education loan.

• Between the ages of 16 and 35, Indian residents
• All full-time programs require a co-applicant, who might be a parent or guardian, or a spouse or parent in law.
• Students must have been accepted into a higher education programme at a recognised institution in India or abroad either an entrance exam or a merit-based selection process.
• Approved graduate and postgraduate degree programmes, as well as P G certificates, are offered by accredited institutions and universities recognised by the UGC, the government, the AICTE, AIBMS, and the ICMR, among others.

For applying for an education loan there are some important documents required. Here is the list of documents required:

• Address proof
• Identification card
• Application form
• Passport-size photographs
• Admission Letter
• Income proof of the guarantor
• Collateral Security documents
• GRE / IELTS / TOEFL / GMAT Score
• 10th and 12th exam mark sheets
• Latest 6 Months Bank Statement of the Salary Account.
• Latest 2 Salary Slips carrying the date of joining details

HDFC Bank accepts applications for education loans both online and offline. To apply online, go to the bank’s website and follow the on-screen instructions. You may also apply for an education loan by visiting a bank and completing the required paperwork.

All the banks in India offer up to Rs. 4 – 4.5 Lacs of loans without the collateral i.e. security whereas HDFC Credila Education loan without collateral is up to Rs.20 Lacs. This is not for every applicant, this loan is provided after checking applicants on various factors & only to talented & deserving students. 

Most of the bank offers education loan without collateral for up to Rs. 4,00,000/-. HDFC offers up to Rs.7,50,000/- for courses in India & up to Rs. 15 – 35 lakhs for courses in foreign countries without any collateral. The application process is the same for HDFC Education loan without collateral as well, you can also visit the nearest branch to know more about this.

You can also check the status of your HDFC education loan application on the official website. Here is the step-wise procedure to check the status:

• Visit the official website of HDFC education loans.
• Enter your name or reference number
• Next, you have to enter your Date of birth or mobile number
• You will be redirected to a page & check your status.
• The processing can take up to 15 – 30 days, in case of any doubt or queries you can visit your nearest branch or send an email. 

Click Here to check the status of the HDFC Education loan

The three options for repaying an HDFC Bank education loan are as follows.

• Standing Instruction (SI): Standing Instruction is the ideal method of repayment if you already have an account with HDFC Bank. At the conclusion of each monthly cycle, your EMI amount will be automatically deducted from the HDFC Bank account you choose.
• Electronic Clearing Service (ECS): If you have a non-HDFC Bank account and would like your EMIs paid automatically at the conclusion of the monthly cycle, this method is for you.
• Post-Dated Cheques (PDCs): Post-dated EMI checks from non-HDFC Bank accounts can be submitted to your local HDFC Bank Loan Center. A new set of PDCs will need to be submitted as soon as possible. Please note that only non-ECS locations will be accepted for Post Dated Cheques.
• It is advised that you utilize either the SI or ECS form of payment rather than PDCs since they are speedier and less prone to mistakes.

In case of any query or doubts, you can reach HDFC bank at their Toll-Free number – 1800 258 3838.

In case of any query or doubts related to Credila education loan, customers write an email to [email protected] . You will receive a response within 24 – 48 hours. This email is for pan India.

Also, Check Out : SBI Education Loan

You can also look for several scholarship options such a s  HDFC Scholarship ,  Canara Bank Scholarship  and  Inspire Scholarship   amongst others. that provide funding for studies in India and abroad. These have been given a run-down below.

• Inspire Scholarship
• DCE Scholarship
• Canara Bank Scholarship
• Moma Scholarship
• MHRD Scholarship
• JK Scholarship
• Santoor Scholarship
• Punjab Scholarship
• Indira Gandhi Single Girl Child Scholarship
• Ishan Uday Scholarship
• Oasis Scholarship
• Dr Ambedkar Scholarship
• NEC Scholarship
• Aditya Birla Scholarship
• Vidyasiri Scholarship
• GP Birla Scholarship
• Abdul Kalam Scholarship
• Siksha Abhiyan Scholarship
• HDFC Scholarship

Loans up to Rs. 7.5 lacs don’t require any collateral in HDFC Education Loan

PNB , SBI , HDFC has the lowest interest rate on education loans.

Some of the best banks for education loans abroad are Axis Bank , HDFC Bank, PNB & Bank of Baroda

Thus, we hope that this blog on HDFC Education Loan helped you understand the characteristics of this education loan and its variants. There are plenty of other education loans offered across the globe that you can choose from. If you’re looking to pursue higher education abroad with the help of loans and other scholarship programs, get in touch with our Leverage Edu and Fly Finance experts and we’ll assist you in picking the right scholarship or education loan that can fund your dream of studying abroad .

Team Leverage Edu

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very commendable. highly informative. Keep it up!!!

Sir, Veryuseful information. I will recommend this to my colleagues!

Can i apply for loan before starting admision process, some colleges in canada asking admision amount immediately, if we dont have money we dont get that seat

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Use HDFC Education Loan EMI Calculator and HDFC Credila Education Loan Tax Benefit Calculator to assess the Education Loan affordability and benefits. With the help of HDFC Education Loan Calculators, parents and students can make informed decision for higher studies. Sharing course and loan details such as full time/part time course, loan amount, tenure & interest rate, you can instantly calculate EMIs and tentative repayment schedule.

About HDFC Credila Education Loan

HDFC Credila, a part of the HDFC Group specialises in Education Loan. It is the first Company in the country dedicated to Education Loan. Education Loan plays a pivotal loan in the present knowledge economy. You get empowerment to reach greater heights in your career and also respect in the society you live in.  Students should not be deprived of this empowerment due to a lack of finance to fund higher education. HDFC Credila has understood this aspect and has done an in-depth study of the requirement of the students who desire to pursue higher education either inland or abroad and have remained focused on these requirements.

In present times, education expense has grown leaps and bounds and is one of the highest expenditures for an India household. HDFC Credila wants to facilitate this expenditure by giving Education Loans without any margin and with a flexible repayment period. The loans are customised depending on the requirement and also gives approval even before the admission to any university. This pre-approval serves as a source of income for obtaining I 20 for pursuing higher education in the USA.

HDFC Credila Education Loan has been instrumental in fulfilling the dream of students to pursue higher education in a University of their choice.

Table of Contents: HDFC Credila Education Loan EMI Calculator[ Hide ]

What is an emi, features of hdfc credila education loan, emi for hdfc credila education loan, what is an emi calculator, how to use mymoneymantra emi calculator, benefits of using an emi calculator before applying for a home loan, factors that affect the emi, tips to decide the right emi, change in emi with a change in interest rates, change in emi with pre-payment.

EMI, i.e., equated monthly instalment, is a fixed amount that a borrower has to make to the lender on a specific date in a calendar month. With the EMI, a part of the principal and interest will be paid off in order to clear the entire dues within a specified period. In the case of HDFC Credila Education Loan, where the repayment period is long term, i.e., up to 12 years, the EMI will be a long-term commitment and hence has to be prudently chosen. You should be able to service the loan regularly once the repayment starts. For EMIs that are overdue, a penalty will be charged.

Also Reading: What is credit score?

HDFC Credila provides Education Loan for pursuing higher stands both inland and abroad. Here are the features of the loan:

Note: Check the HDFC personal loan interest rates and apply for HDFC Personal Loan online with us.

HDFC Credila rate of interest is linked to Credila Benchmark Lending Rate (CBLR), which is 12.55%. The rate of interest will be CBLR plus a spread, which is decided on a case to case basis. The EMI chart drawn below will be for CBLR since the spread varies.

The lowest EMI for 1,00,000 assuming that the rate of interest is 12.55% is 1,347. The repayment of interest commences immediately after the first disbursement. So when the repayment commences, the outstanding loan amount will be only the principal amount. The total repayment period, which constitutes the course period, the grace period and the actual repayment period is 12 years.

Contact HDFC Credila to get details of the grace period. Since the details regarding the course period and the grace period are not available, the EMI is calculated up to a maximum period of 12 years.

EMI Calculator is a financial tool that is designed to be simple and accessible to calculate the EMI for a loan. The EMI will be arrived at using the variables like loan amount, loan tenure, and the rate of interest.

Formula for EMI Calculation:

P*r* (1+r) ^n/([(1+r) ^n]-1)

P stands for Principal

R stands for rate of interest

N stands for the loan tenure

To avoid the complexities that you face while calculating the EMI manually by applying the above formula, the EMI Calculator has been designed. Just by providing the inputs required, the EMI Calculator will do the strenuous job of calculating the EMI and will provide you with the value within seconds. Manually arrived results may not be precise, but the results arrived at using the EMI calculator will be 100% accurate.

Also Check: HDFC Cibil Score

The simple and user-friendly EMI Calculator of MyMoneyMantra can be accessed anytime, anywhere, and by anybody. To calculate the EMI using the MyMoneyMantra EMI Calculator, you have to follow a simple procedure.

On accessing the website of MyMoneyMantra, you will come across the Financial Tools tab. Click on the dropdown menu of the Financial Tools tab, and a list of calculators will be displayed. Choose the EMI calculator. Key in the data required, i.e., the loan amount, loan tenure, and the rate of interest. The EMI will be calculated instantly.

On arriving at the EMI value, a list of best quotes as per your eligibility and requirement will be displayed. Choose the best deal from the quotes and once this is done, you can apply for the loan through MyMoneyMantra.

The rate of interest is the most crucial factor that impacts the EMI to a great extent. A slight difference in the interest rate can make a lot of difference in the eligible loan amount and tenure. Comparing the rate of interest offers by various lenders and the implication on the loan amount and tenure is essential before applying for a loan to avoid future financial stress.

Before applying for an Education Loan, decide on the course that you are going to pursue and the university you wish to take up the course with. Get a fee structure for the loan along with the other expenses like the hotel fees, mess fees, travel expenses, etc. You will then get a fair idea about your requirements. Since HDFC Credila is providing a 100% loan and is not stipulating any margin, you will not have the trouble of arranging funds out of your own source. The loan tenure is a maximum period of 12 years, which constitutes the course period and the grace period. Ascertain the grace period from HDFC Credila and add up the course duration. The remaining period will be the repayment tenure. With all the parameters available, you can arrive at the EMI with the EMI Calculator.

• Time-saving: Save the complex manual calculation, which is time-consuming by calculating the EMI using the Education Loan EMI Calculator. You can get the result in a jiffy.
• Precise value: There may be errors in manual calculation, but with the EMI Calculator, you will get a 100% error-free value.
• Plan your budget: You can arrive at the desired EMI that will suit your pocket by trying various combinations. By choosing the right EMI, you will be avoiding future financial stress.
• Research for the best deal: With the EMI Calculator, there is an advantage of verifying the best quotes that will be made available as per your requirement and eligibility.

Additional Reading: Top Credit rating agencies in India

The three parameters loan amount, loan tenure, and the rate of interest go hand in hand in determining the EMI:

Loan amount: HDFC Credila offers Education Loan according to the fee structure and other expenses that are required for pursuing a particular course from a particular university, the income and repayment capacity of the co-applicant, the scope of the course chosen, the risk associated with the proposal, and so on. Once the course expense is ascertained, you can assume that it will be the loan amount since HDFC Credila provides a 100% loan. You can arrive at the EMI with the loan amount by trying different combinations of loan tenure up to a maximum of 12 years.

Rate of interest: The rate of interest stipulated for HDFC  Credila Education Loan is a floating rate linked to Credila Benchmark Lending Rate. Every time there is a change in CBLR, the EMI will change.

Loan tenure: The repayment of the Education Loan will commence only after the course is complete and after the grace period that is offered the completion of the course. You can opt to start the repayment soon after the completion of the course. The interest disbursement will start soon after the first disbursement of the loan. If the repayment capacity has increased by the time the repayment starts or if the student secures employment soon after the completion of the course, you can go for a shorter repayment tenure. The EMI will be higher if the tenure is shorter, but the interest cost will reduce. However, if the repayment capacity has not changed, then you can go for longer tenure with a higher EMI.

Pre-payment: Pre-payments can be made if feasible even during the course period, which will bring down the principal balance to a large extent. Since the interest will be serviced during the moratorium period, the pre-payment amount will be adjusted towards the principal. The EMI for the reduced principal becomes affordable even if you choose to pay off the loan early with a shorter tenure.

On deciding the University and the course to pursue, you can get the fee structure and all other associated expenses. Since you cannot make any bargain on the expenses involved, you should manage your monthly income in such a way that the EMI can be accommodated. However, since the repayment of the Education Loan starts only after the course completion, you will have ample time to plan your budget. Assuming that the course duration is 4 years and the grace period is 1 year, you will get repayment tenure of 7 years, which will commence only after 5 years from the date of disbursement of the loan. Arrive at the EMI based on the total course expenditure, which will be the outstanding balance at the time of commencement of the repayment since the interest will be serviced as and when due and plan the budget accordingly.

Debt to Income Ratio is not stipulated by HDFC Credila since the Education Loan EMI is a future obligation that commences only after the completion of the course and the grace period, which will be decided on a case to case basis.

Additional Reading: How to increase cibil score?

The rate of interest applicable to HDFC Credila Education Loan is a floating rate that is linked to CBLR. The rate of interest will change every time the CBLR changes, and so does the EMI.

HDFC Credila allows pre-payment to the Education Loan even during the course period. This will bring down the principal balance considerably, which will enable fixing of a lower EMI when the actual repayment commences by choosing the maximum repayment tenure. If you are able to contribute towards a higher EMI, you can choose a shorter tenure and pay off the loan as early as possible.

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The immense opportunities provided in the field of education has been a major driving fo..., hdfc credila education loan emi calculator faqs, what are the requirements in respect of the co-obligant for hdfc credila education loan.

A co-obligant for HDFC Credila Education Loan is mandatory. The co-obligant can either be the father, mother, sister, spouse, and brother. The co-obligant should be a resident Indian having a regular income and should be able to provide collateral security. If these co-obligants are not able to provide collateral security, then collateral can be provided by the grandparents, first cousins, paternal or maternal aunts, father-in-law, and mother-in-law provided their co-obligation is also available.

The co-obligant should necessarily have a bank account with a cheque book facility. A documentary proof to establish the relationship of the student with the co-obligant should be submitted.

Who can apply for HDFC Credila Education Loan?

Students who intend to pursue higher education either in India or abroad can apply for HDFC Credila Education Loan but should be a Resident Indian.

What is the procedure to make a pre-payment for HDFC Credila Education Loan?

HDFC Credila permits pre-payment of the Education Loan after 6 months from the date of the first disbursement without any charges. To make a pre-payment, you will have to follow a few simple steps:

• An online request has to be sent for making the pre-payment
• You can submit a written request to your nearest branch
• You can also send the request through email from your registered email id to [email protected].
• You can also contact the designated Relationship Manager in this regard

When does the repayment commence for HDFC Credila Education Loan?

The repayment of the interest commences soon after the first disbursement. The actual repayment commences after the completion of the course and the grace period provided, which varies as per the course selected. The maximum repayment period provided, including the holiday period, is 12 years.

What is CBLR?

CBLR is Credila Benchmark Lending Rate and the rate of interest for the Education Loan will be linked to CBLR. The present CBLR is 12.55%.

Education Loan » HDFC Education Loan – Interest Rate, Charges, Features and Schemes

HDFC Education Loan – Interest Rate, Charges, Features and Schemes

HDFC Education Loan Interest Rate compared to other private banks providing education loans, are competitive and convenient for all applicants of different income brackets. Their education loan MCLR rate, which serves as the basic rate of education loan for any scheme, starts from 8.35%, which is comparable to many centralized banks of India. Students can also reap the benefits of education loan interest rate subsidies with HDFC bank and Indian Government. HDFC Education Loan interest rate options are consistent and affordable enough for aiding education of students across 36 nations. This helps students in keeping their academic expenses low and emphasize on non-academic expenses like accommodation and travel.

HDFC Education Loan Basic Interest Rates

HDFC bank with its offers of ‘HDFC Doorstep Servicing’ and ‘Local HDFC Asset Centers’ has helped students get over the common difficulties of education loans in India. Students often hustle with the education loan application process, disbursement and repayment issues. HDFC Education Loan facilitates the studies of Indian students with all these services and that too at very convenient Education Loan Interest Rates.

Some peculiar details about the HDFC Bank Education Loan Interest Rates are:

HDFC Education Loan Interest MCLR Rates

MCLR Rates help students in planning what an education loan should cost them. Students who are aware about these rates for any bank, can estimate the education loans’ Actual ROI and plan well. The HDFC Education Loan interest rate for any scheme is measured by adding a standard range of 2% to 8% with the MCLR rates depending upon the education loan specifics (tenure, loan amount, educational institution etc.). Find the HDFC Education Loan Interest MCLR rates in the table below:

These MCLR rates are updated on a regular basis and thus, HDFC Education Loan Interest Rate for any education loan scheme generally lies in between a certain range. HDFC discloses the information about the interest applicable on each education loan after due analysis of education loan amount, educational institution, courses applied for, loan tenure and collateral availability. The details of latest HDFC Education Loan Interest Rate options are mentioned below for your reference.

HDFC Education Loan Interest Rate (Latest: December 2018)

Hdfc education loan charges and other expenses.

Every bank charges a standard education loan processing fees and other additional charges for pre-payment. HDFC Education Loan for Domestic Education provides applicants with low processing charges and no extra charges for documentation and pre-payments. HDFC Overhead charges of Education Loan for study abroad are also comparable and convenient for applicants. The complete details of HDFC Education Loan overhead charges and expenses are:

HDFC Education Loan Charges for Domestic Studies

Definitions of education loan terms:.

Moratorium Period : Course duration + 1 year or employment after course + 6 months

ACH Swapping : Change of account for National Automated Clearing House (NACH) Mandate, changing account from which Education Loan EMIs are paid

Loan rescheduling : Change of monthly EMI date/extension of education loan tenure

EMI Return : EMI Cheque bounce (EMI default included/not-included at the discretion of bank)

EMI payment default : Education Loan EMI overdue

Duplicate repayment schedule : for requests of obtaining  education loan repayment schedules, after each loan portion disbursement

HDFC Education Loan Charges for Foreign Studies

Definitions of foreign education loan terms:.

Manual Collection : Collection of education loan EMI/other charges by HDFC agent at applicant’s place

Document handling : Legal documents, loan account documents maintenance and upkeep

Loan account update : Change of beneficiaries, changes in personal details of applicant, changes in academic status, etc.

HDFC Education Loan Interest Rate Subsidies

HDFC Education Loan Interest Subsidies are powered by Indian Government just like any other bank. The HDFC bank complies with all education loan subsidy schemes as run by various ministries of GOI. These subsidy schemes provide collateral free education loan and interest subsidies for applicants who come from economically weaker sections and backward classes. The Education Loan Services of other banks including the centralized banks do not support all government schemes but HDFC Bank does. These HDFC Bank education loan interest rate subsidies are:

Central Sector Interest Subsidy (CSIS Scheme)

• Collateral free education loan for economically weaker sections (annual income below: ₹4,50,000/4.5 lakhs) up to ₹7,50,000 (7.5 lakhs) loan amount
• Education Loan Interest waiver for moratorium period (see definition above)

Dr. Ambedkar Central Scheme of Interest Subsidy on Education Loan for Overseas Studies

• Collateral free education loan for OBCs (Other backward classes) and EBCs (Economically Backward Classes)
• Income limits for OBCs: ₹6,00,000 (6 lakhs) and EBCs: ₹2,00,000 (2 lakhs)

Padho Pardesh – Scheme of Interest Subsidy on Educational Loans for Overseas Studies

• Collateral free education loan for minorities (Parsi, Jain, Sikhs, Buddhists, Muslims etc.)
• Maximum income limits for applicants and co-applicants: ₹6,00,000 (6 lakhs)
• Only Loans for International Education eligible for this scheme

HDFC Education Loan Features and Special Schemes for Study Abroad

Education loans have become second most popular options after scholarships for study abroad . HDFC bank has identified the growing need of education loan in context of both Indian and foreign education. Options like Multi-City co-borrowers, HDFC Asset Centers and Manual Collection facilities help students rise above the common logistical concerns of foreign education loans.

In addition to this, the education loans of HDFC bank are scholarship adjustable. This means that meritorious students pursuing higher education can pay their margin fees and in some cases even EMIs with their scholarships and fellowships. HDFC Education Loan Application process is also very streamlined and students can get their education loan sanctioned for any amount within 1 to 15 days of time. For more information on HDFC Education Loans, other bank education loans and education loan application by Central Government Vidyalakshmi Portal , visit Buddy4Study Articles and read detailed information about them.

• Source of Information: Buddy4Study app compiles details on scholarships/fellowships from government websites and private scholarship sources. Links to the official sources accompany each listing detail pages.
• Non-affiliation : The Buddy4Study app is not associated with any government entity in India or elsewhere. When featuring government scholarships, we rely on publicly accessible information from central and state government websites in India.

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• Value Added Services Provided By HDFC Credila
• Indian students attending colleges in India. The loan will be disbursed in India in Indian Rupees wherever required by student.
• Repayments of the loan to be made by the borrower in Indian Rupees only.
• Borrower must be an Indian citizen
• Co-applicants(s) must be an Indian citizen
• Borrower must be 18 years of age or older
• Co-applicant(s) must have a bank account in any bank in India with cheque writing facilities
• Confirmed admission in the colleges before disbursement Borrower and Co-applicant(s) to meet HDFC Credila's credit and underwriting norms as applicable from time to time
• It is mandatory to bring in an earning co-applicant(s) based in India to support the Education Loan application.
• Co-applicant (s) may be any of the following relatives, viz Father / Mother / Brother / Sister (married) /Spouse, where such co-applicant's income would be considered in determining the loan eligibility per HDFC Credila's credit and underwriting norms;
• Co-applicant's liability is co extensive with the Student;
• Co-applicant (s) to provide documentary proof to establish their relationship with the student, to the satisfaction of Credila;
• In case the collateral to be provided is not provided by one of the above relatives, then the collateral could be provided by one of the following relatives provided they are brought into the arrangement as Co-applicant (s) viz: Father-in-law; Mother-in-law; Sister-in-law; Brother-in-law; Maternal or Paternal Uncle or Aunt, Grandparents & First Cousins.

• Minimum Loan Amount Indian Rupees 1,00,000
• Lifetime Maximum Loan Amount

HDFC Credila processes loans exceeding Indian Rupees 20,00,000 subject to the case meeting HDFC Credila's credit and underwriting norms as applicable from time to time

• Rate of interest will be floating rate of interest linked to HDFC Credila's Benchmark Lending Rate (CBLR)
• The interest will be calculated using Simple Interest Rate
• Floating rate of interest to be (HDFC Credila's CBLR + Spread)% per annum
• HDFC Credila's Current CBLR is 12.35% per annum (subject to change from time to time)
• A Spread is determined on the risk profile of the case which vary on account of a number of factors such as student's academic background, employability of the selected course from a selected college and country of study, financial strength of the co-borrower, loan repayment capability, credit history, collateral offered or not, serviceability of the loan through HDFC Credila's branch network, cost/s associated with underwriting and servicing the loan, etc.
• The loan amount will be disbursed in Indian Rupees
• HDFC Credila will disburse the tuition fee to the educational institute either directly or through an authorized servicer
• The tuition fee will be disbursed in installment as per the requirement of the specific educational institute
• The loan amount related to other expenses will be disbursed in installments spread over the duration of the study as per HDFC Credila's underwriting norms as applicable from time to time
• Loan interest re-payment will start immediately after disbursement of the first installment of the loan
• Tenure of an education loan consists of Duration of Study + Grace Period after the Study + Repayment Period
• HDFC Credila offers up to a maximum tenure of 10 years
• The loan tenure is however, subject to the factors such as the repayment capacity of the customer/s, future prospects of the course, age of the co-applicant, etc. and further subject to HDFC Credila's credit and underwriting norms as applicable from time to time. However, HDFC Credila would endeavour to determine the repayment period to suit your convenience.
• Monthly repayment amount will be deducted from the bank account of the borrower/co-borrower using Electronic Clearing System (ECS)

Education loan for students going to:

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Education Loan Product Details for Studying:

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• Jul 10, 2023

Abroad Education Loan Interest Rate Calculator

Updated: Apr 27

A Comprehensive Guide to Bank Interest Rates in India for studying Abroad.

Planning to pursue higher education overseas can be an exciting endeavor. However, the financial aspect of studying abroad often requires careful Consideration. This blog will delve into the intricacies of abroad education loan interest costs in India. We will explore how various top banks in India charge Interest rates, empowering you with the understanding to make informed decisions about financing your international education. We have also provided an education loan fee calculator to help you estimate the potential loan repayment quantities.

Understanding Abroad Education Loan Interest Rates:

1) State Bank of India (SBI): SBI offers abroad education loans with interest rates based on the Marginal Cost of Funds-based Lending Rate (MCLR). The interest rates vary from MCLR + 1.95% to MCLR + 2.35%, depending on the loan amount and repayment period.

Mean Rate of Interest 10.47%* Click here to visit SBI website

2) HDFC Bank: HDFC Bank provides abroad education loans with interest rates linked to the Retail Prime Lending Rate (RPLR). The interest rates vary from RPLR + 1.5% to RPLR + 2.5%, based on the loan amount, collateral, and the individual applicant's profile.

Mean Rate of Interest: 12.5% *

Visit HDFC Website

3) ICICI Bank: ICICI Bank offers education loans abroad with interest rates based on the ICICI Bank Base Rate (IBR) or the ICICI Bank Mortgage Prime Lending Rate (IMPLR). The rates usually vary from IBR/IMPLR + 1.5% to IBR/IMPLR + 2.5%, depending on various factors such as the loan amount needed, collateral, and the applicant's credit history.

Mean Rate of Interest: 11.78%*

Visit ICICI Website

4) Punjab National Bank (PNB): PNB provides abroad education loans with interest rates linked to the PNB Floating Reference Rate (PFRR). The rates vary from PFRR + 1.75% to PFRR + 2.75%, based on factors such as loan amount, collateral, and creditworthiness of the applicant.

Mean Rate of Interest: 11.25%*

Visit PNB Website

How to Use the Abroad Education Loan Interest Rate Calculator:

To help you estimate the potential loan repayment amounts, enter the loan amount, applicable interest rate and repayment period, and the calculator will generate an estimate of your monthly instalment and the total amount payable over the loan tenure and the Total Interest. Please note that the calculator provides an approximate estimate and the actual amounts may vary.

Conclusion:

Understanding abroad education Interest rates is vital when planning your finances. Each financial institution has its very own methodology for determining interest rates, which can impact your loan repayment amounts significantly. By utilizing our abroad education loan interest calculator and gaining insights into the interest rates offered by top banks in India, you can make informed decisions about financing your studies abroad.

Remember to thoroughly research and compare interest charges, and terms, offered by different banks before finalizing your abroad education loan. By doing so, you can secure the most favorable financial assistance and embark on your educational journey with confidence.

Note: The calculator provided in this blog is for illustrative purposes only and may not reflect the exact interest rates or terms provided by individual banks. Please seek financial advice from the respective banks or economic institutions for accurate information.

Start your Abroad Study Journey, Get Expert advice from our Experienced Counselor Today!

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CUET UG 2024: NTA postpones May 15 Delhi centre exam due to ‘unavoidable reasons’

Cuet ug 2024: the national testing agency (nta) tuesday night said the common university entrance test, undergraduate (cuet ug) 2024 scheduled for may 15 has been postponed in delhi due to ‘unavoidable reasons’.

CUET UG 2024: The National Testing Agency (NTA) Tuesday night said the Common University Entrance Test, Undergraduate (CUET UG) 2024 scheduled for Wednesday. i.e. May 15, 2024 has been postponed in Delhi due to ‘unavoidable reasons.’

The examination will now be conducted in the national capital on May 29, and revised admit cards will be released for candidates, the NTA said.

“It is being informed to all the concerned candidates and stakeholders that due to unavoidable reasons, the test papers (Chemistry -306, Biology – 304, English – 101, and General Test – 501) which were earlier scheduled on 15 May 2024 stand postponed for the candidates appearing in Centres across Delhi only. The examination will now be held on 29 of May 2024. The revised Admit Cards will be issued for candidates appearing in center across Delhi," the NTA notice read.

Also Read | Bihar STET 2024 admit card out at secondary.biharboardonline.com

However, the CUET UG 2024 exam will proceed as scheduled in all other cities nationwide, including Gurugram, Ghaziabad, Faridabad, and Noida, as well as abroad. 

The NTA further stated that the undergraduate entrance exam scheduled on other dates (May 16, 17, 18) at all centres, including those in the national capital, Delhi, will be held as scheduled.

It is important to note that the exam nodal body announced the release of admit cards for CUET UG 2024 on May 13. However, in the evening, the NTA--in another notice, requested the candidates to download the hall tickets only after May 14 evening. 

Also Read | CUET UG 2024 Admit Card: NTA asks candidates to download hall tickets after May 14 evening. Here is why 

“Candidates are advised to download the admit card on May 14th Evening so that any changes in the Examination Centre due to administrative reasons may be reflected in the admit card," an NTA notice read.

CUET (UG) – 2024 offers 63 test papers this year. The duration for the test will be 45 minutes, except in subjects including Accountancy, Economics, Physics, Computer Science / Informatics Practices, Chemistry, Mathematics / Applied Mathematics, and General Tests, where the test duration will be 60 minutes.

CUET UG 2024 Exam: Shifts

The exams will be administered in four shifts -Shift 1A from 10 am to 11 am, shift 1B from 12.15 pm to 1 pm, shift 2A from 3 pm to 3.45 pm and shift 2B from 5 pm to 6 pm.

Also Read |   UGC NET June 2024 registration window closes on May 15. Direct link to apply

The exams between 15-18 May will be held in Pen and paper mode. Exams of Chemistry, Biology, English, General Test, Economics, Hindi, Physics, Mathematics, Geography, Physical Education, Business Studies, Accountancy, History, Political Science, and Sociology will be conducted between 15-18 May, 2024.

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