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An instant way to fund your larger expenses
Are you ready to advance your education? Don't let expensive college fees hold you back. With Tata Capital's Education Loan, you can conveniently fund your education, both in India and abroad. Enjoy a quick approval, minimal documentation, and competitive interest rates, with our customized plans.
Your financial background should not stop you from receiving the best education. This is why our Student Loans are quick, accessible, and convenient.
To apply for a Student Loan with Tata Capital, all you need to do is submit your mark sheet and certificates, admission letter, documents for studying abroad, and other identity proofs. And you're ready to ace your desired field!
Disclaimer: Personal Loans are originated and serviced by Tata Capital Financial Services Limited (TCFSL) and are at its sole discretion. Terms and conditions apply.
Loan Amount
₹ 75,000 - ₹ 35,00,000
Loan Tenure
12 - 72 months
Interest rate starting @
10.99% p.a
In order to get an Education Loan, you have to meet some basic eligibility criteria and documents for faster approval. At Tata Capital, we ask you to fulfil the following conditions –
You must be an Indian national
Your age should be between 16-26 years
You must have a good past academic record
Either you or your parents should earn a minimum monthly income of Rs. 15,000
You should either have a guarantor or show a security
A co-applicant in education loan is a mandatory requirement in India. However, there are a few conditions co-applicants need to meet. They are –
If you apply for a Student Loan with Tata Capital, you can enjoy a repayment plan designed to meet your unique needs. Our repayment tenures start from 12 months and go up to 72 months. You can pay the EMIs online by accessing our website from anywhere, anytime. Or, drop a cheque at the nearest Tata Capital branch. You have complete control over your student loan repayment,no questions asked!
At Tata Capital, we offer Student Loans for courses in India and abroad. You can find the list of courses eligible for Education Loan from Tata Capital below.
Courses Covered in India
Graduation/post-graduation/diploma courses from recognised universities
Professional/technical/management courses
PhD courses
Courses Covered Outside India
Graduation/post-graduation degrees from recognised universities
Certified degree courses conducted by London, CPA, CIMA, USA, and other similar institutes
PhD courses
However, our Study Loans don't cover diploma courses abroad.
If you are servicing a Study Loan currently,you can take advantage of the various education loan tax benefits on its repayment. Under Section 80E of the Income Tax Act,you are eligible for a yearly deduction of Rs. 40,000 on the repayment of both the principal amount and the interest portion of the EMI. All Education Loans taken for full-time courses at the graduation or post-graduation level are eligible for a deduction.
Moreover, these tax exemptions will be available for a maximum of eight years from the date of the first EMI payment.
When applying for a Student Loan,you probably have a lot of questions on your mind. Does education loan cover living expenses?Or costs of books? If so, here are all the expenses covered under education loan:
However, to receive approval from Tata Capital, your CIBIL score for Personal Loan should ideally fall between X and Y. If you don't know your CIBIL score and are wondering if you're eligible, don't worry. We got you covered!
In case of a Personal Loan, where the amount is approved and advanced without collateral, your CIBIL score becomes a critical eligibility criterion. Typically, a CIBIL score above the 700 mark is considered good and attracts easy approval.
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