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Invest in the degree that changes everything
Cover tuition, living and travel costs for studies in India or overseas, with repayment that starts after the course ends.
Why take your education loan through Credsey
Fund higher studies in India or abroad with an education loan. Covers tuition, living and travel costs with moratorium and tax benefits under Section 80E.
- Collateral-free up to ₹50 lakh with select lenders
- Moratorium for the course period + 6–12 months
- Tax deduction on interest under Section 80E
- Pre-admission sanction letters for visas
Education Loan EMI calculator
Move the sliders to see your monthly EMI, the total interest and the full amount you'll repay. Then apply with the same numbers in one click.
- EMI = P × r × (1+r)n / ((1+r)n − 1)
- P is the loan amount, r the monthly rate, n the number of months
- Pay more upfront or choose a shorter tenure to cut total interest
Calculate your EMI
Full scheduleYour monthly EMI
₹0
- Principal
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- Interest
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- Total payable
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Indicative figures. Final rate depends on the lender and your profile.
Eligibility
- Indian student with confirmed admission
- Co-applicant: parent or guardian with income
- Recognised course and institution
Criteria vary by lender. An advisor will confirm what applies to you.
Documents required
- Admission letter and fee structure
- Academic records
- KYC of student and co-applicant
- Co-applicant income proof
Is collateral required?
Many lenders offer unsecured loans up to ₹40–50 lakh for top institutions; higher amounts usually need collateral.
When does repayment start?
After the course plus a moratorium of 6–12 months. Paying simple interest during the course reduces the total cost.
Which expenses are covered?
Tuition, hostel, travel, books, laptop, exam fees and insurance — as per the lender's policy.