Service 05

Education Loans

Powered by Sage Eduloan — our in-house financing arm. Secured and unsecured international education loans through tie-ups with leading banks, NBFCs and international lenders, for 500+ universities across 20+ countries.

2,000+

Students funded

500+

Universities covered

20+

Countries

Banks + NBFCs

Lending partners

Interactive

Model your loan.

Do you have collateral to pledge?

Collateral-backed: typically 8.25%–9.50%, up to 90% of your total cost, longer tenure.

Loan amount

₹25.0L

Repayment tenure

7 years

Interest rate

9.25%

Moratorium (course + grace)

24 months

Pay the simple interest while studyingRecommended. If you skip it, that interest is added to the principal and you pay interest on interest for the whole tenure.

2026 benchmarks — PSU banks (secured) 8.25%–9.50%, PSU unsecured 9.50%–11%, private banks 9.50%–11.50%, NBFCs 10%–13.50%. Rates are floating (repo/EBLR linked); women applicants and premier-institute admits usually get 0.25%–0.50% off. There is no prepayment penalty on floating-rate education loans, and Section 80E lets you deduct the entire interest paid for up to 8 years.

Monthly EMI

₹40,541

for 84 months, starting after the 24-month moratorium · ₹19,271/month interest while you study

Principal

₹25.0L

Total interest

₹13.7L

Total payable

₹38.7L

Interest vs principal

55%

A long tenure at a high rate is what makes interest look larger than the loan itself — at 9.25% over 7 years, 55% of the principal is paid back as interest. Shortening the tenure or part-prepaying from your first salary is the fastest way down.

Deliverables