Education Loans in Hyderabad are offered by banks in India to Students. Therefore, we provide consultancy to help students achieve their academic dreams. For instance, pupil who wants to pursue Graduation and Post Graduation in India and Overseas Universities. Further, a student choice to choose the university. In other words, student loan serves as a stepping tool to achieve student’s dreams.

To clarify, student and co-applicant’s credit score must be good to get loan. In short, student and co-applicant’s low credit score might challenge to get loan. Subsequently, low credit score might affect the interest rate of the loan. Meanwhile, Income Tax benefits for interest paid under Section 80E of the Income Tax Act can be availed. Most importantly, this Loan will have a repayment period of 10-15 years by Student or Co-applicant. Further, moratorium period can be availed by Co-applicant. On the other hand, moratorium period would be course period as specified.

Expenses Considered for Education Loans

  • Tuition fee payable to college/ school/ university
  • Admission acceptance fee
  • Hostel / mess charges
  • Examination/ Library/ Laboratory fee
  • Insurance premium for the student borrower
  • Caution deposit, Building fund/ refundable deposit supported by Institution bills/ receipts
  • Purchase of books/ equipment/ instruments/ uniforms
  • Purchase of computer/laptop at reasonable cost, if required for completion of the course
  • Travel expenses/ passage money for studies abroad
  • Any other expense required to complete the course – like study tours, project work, thesis, etc.

Conditions for Education Loans

  • Loan would be disbursed directly to the institute
  • Loan can be availed during subsequent years of the course
  • Legal and valuation charges have to be borne by the borrowers.

Collateral Security

Moreover, bankable collateral securities are required for finance. As a result, which is a guarantee for repayment of Education Loan. The banker will match collateral securities offered, with the value of the loan. But, to get Education Loans in Hyderabad Collateral offered must be structural and Tangible. Importantly, such as a home, offices and Commercial Buildings of borrowers.