RBI & UGC Approved Lender

Sapno Ki
University,
Hamaara Education Loan

India ya abroad โ€” IIT, IIM, Oxford, Harvard kahin bhi padhna ho. Low interest, fast disbursal, aur study period mein koi EMI nahi.

โ‚น2 Cr
Max Loan Amount
7.5%
Interest Rate p.a.
20 Yr
Repayment Period
48hr
Sanction Letter
Top Universities
1500+ Worldwide
Disbursed So Far
โ‚น8,400 Crore+
Students Funded
3.2 Lakh+
Trusted Partners & Recognitions
Loan Categories

Kaunsa Course, Kaunsa Loan?

Undergraduate se PhD tak, India se abroad tak โ€” har education goal ke liye alag tailored loan product.

Domestic UG / PG

IIT, NIT, AIIMS, IIM aur top Indian universities ke liye. Tuition fees + living expenses fully covered.

Up to โ‚น40 Lakh
No Collateral up to โ‚น7.5L   Moratorium Period

Study Abroad Loan

USA, UK, Canada, Australia, Germany โ€” 45 countries ke 1500+ universities ke liye full funding.

Up to โ‚น2 Crore
GRE/GMAT Score Benefit   Visa Letter

Skill / Online Courses

Coursera, upGrad, Great Learning, Simplilearn โ€” professional certification aur bootcamp ke liye quick loan.

Up to โ‚น3 Lakh
No Collateral   24hr Disbursal

Medical / Engineering

MBBS, MD, BE/BTech โ€” long duration courses ke liye extended repayment aur grace period.

Up to โ‚น75 Lakh
Extended Moratorium   Flexible EMI

Executive MBA / MBA

ISB, IIM, XLRI, Kellogg, Wharton โ€” premium management programs ke liye high-value loans.

Up to โ‚น1.5 Crore
Working Professional   Co-applicant optional

PhD / Research

Doctoral programs ke liye โ€” India aur international both. Stipend income count hota hai eligibility mein.

Up to โ‚น50 Lakh
Research Grant Support   Tax Benefits
Why Choose Us

Hamare Loan Ki Khaasiyat

Sirf loan nahi โ€” aapke education journey ka poora financial partner. Yeh features hain jo hume alag banate hain.

Lowest Interest Rate

7.5% se shuru โ€” market ki sabse competitive rates. Girl students ko extra 0.5% concession milta hai.

Moratorium Period

Course duration + 6โ€“12 mahine tak koi EMI nahi. Pehle padhai karo, phir kamaao, phir chukao.

No Hidden Charges

Zero processing fee up to โ‚น20L. No prepayment penalty โ€” jab chahein, jitna chahein chuka dein.

Tax Benefit u/s 80E

Poore interest amount pe income tax deduction โ€” 8 saal tak. Effective loan cost bahut kam ho jaata hai.

Visa Support Letter

Abroad loan ke saath free visa support letter milta hai jisme sanction amount clearly mentioned hota hai.

Step-Up EMI Option

Pehle kam EMI, baad mein career grow hone par zyada โ€” income ke saath repayment bhi flexible.

EMI Calculator

Apni EMI Khud Calculate Karein

Loan amount, interest rate aur tenure choose karein โ€” turant pata chalega kitni EMI hogi.

Loan Calculator
โ‚น1 Lakhโ‚น2 Crore
7.5%15%
1 Year20 Years
None5 Years
Monthly EMI (after moratorium) โ‚น24,769
Total Interest Payable โ‚น9,72,300
Total Amount Payable โ‚น29,72,300
Tax Saving (80E, 8 yrs) โ‚น3,02,589
Loan Breakup
Principal 67%
Principal Amount
โ‚น20,00,000
Total Interest
โ‚น9,72,300
Tax Saved (80E)
โ‚น3,02,589
Smart Tip

Section 80E ke tahat poore interest amount pe tax deduction milti hai โ€” sirf pehle saal nahi, 8 saal tak lagatar. 30% tax bracket mein hain toh effective interest rate significantly kam ho jaati hai.

Girl Student Benefit

Female students ko interest rate mein 0.5% additional concession milti hai aur processing fee waiver bhi. Apply karte waqt gender select karein โ€” automatically apply ho jaata hai.

Coverage

Kaunse Deshon Ke Liye Loan Milega?

45+ countries mein 1500+ approved universities โ€” ek loan se duniya ke kisi bhi top college mein padho.

๐Ÿ‡บ๐Ÿ‡ธ
United States
MIT, Stanford, Harvard, CMU
Up to โ‚น2 Cr
๐Ÿ‡ฌ๐Ÿ‡ง
United Kingdom
Oxford, Cambridge, LSE, ICL
Up to โ‚น1.5 Cr
๐Ÿ‡จ๐Ÿ‡ฆ
Canada
UofT, UBC, McGill, Waterloo
Up to โ‚น1 Cr
๐Ÿ‡ฆ๐Ÿ‡บ
Australia
ANU, Melbourne, UNSW, USyd
Up to โ‚น80 Lakh
๐Ÿ‡ฉ๐Ÿ‡ช
Germany
TU Munich, LMU, RWTH Aachen
Up to โ‚น50 Lakh
๐Ÿ‡ธ๐Ÿ‡ฌ
Singapore
NUS, NTU, INSEAD Asia
Up to โ‚น60 Lakh
๐Ÿ‡ฎ๐Ÿ‡ณ
India โ€” Top Institutes
IIT, IIM, AIIMS, NIT, BITS
Up to โ‚น40 Lakh
๐ŸŒ
38 More Countries
France, Ireland, NZ, UAE & more
Ask Advisor
Eligibility & Process

Kaun Apply Kar Sakta Hai? Kaise?

Simple criteria, minimal documents, aur poora digital process โ€” ghar baithe apply ho jaata hai.

Basic Eligibility

Indian National, Age 16โ€“35

Student Indian citizen hona chahiye. NRI students ke liye special product available hai.

Confirmed Admission Letter

UG ke liye Class 12 marks, PG ke liye graduation marks. Admission letter mandatory hai.

Co-applicant (Parent / Spouse)

Co-applicant ki income se higher loan amount milta hai. Up to โ‚น7.5L โ€” co-applicant optional hai.

Collateral (โ‚น7.5L se upar)

Property, FD, ya insurance policy as collateral. Govt. scheme se โ‚น7.5L tak fully unsecured.

Application Steps
1

Online Eligibility Check

2 minute ka eligibility form โ€” course, college, aur basic details bharein. Turant pata chalega.

2

Documents Upload

Aadhaar, PAN, admission letter, marksheets โ€” sab digital. Koi branch visit nahi.

3

Credit Assessment

AI-powered instant assessment. Complex cases mein dedicated advisor 24 ghante mein call karta hai.

4

Sanction Letter

48 ghante mein official sanction letter โ€” visa ke liye bhi valid. Abroad admission ke saath use karein.

5

Disbursal to University

Amount seedha university ke account mein semester-wise transfer hota hai. Forex bhi handle karte hain.

Documents

Kaunse Documents Chahiye?

Simple aur clear checklist โ€” pehle se ready rakhein taaki application instant process ho sake.

Student Documents

Aadhaar Card
PAN Card
Admission / Offer Letter
10th, 12th Marksheet & Certificate
Graduation Marksheet (PG ke liye)
GRE / GMAT / IELTS Scorecard
Passport (Abroad Loan)

Co-Applicant Documents

Aadhaar & PAN Card
Last 3 Months Salary Slips
Last 2 Years ITR / Form 16
Bank Statement (6 Months)
Employment Certificate
Property Documents (if collateral)
Passport Size Photos (2)
Success Stories

Unke Sapne Poore Hue, Aapke?

Real students, real stories โ€” jo loan se pehle impossible lagta tha, aaj reality hai.

MIT ka admit mila tha lekin โ‚น80 lakh fees ek sapna lagti thi. FinVerde ne sirf 3 din mein sanction letter diya. Aaj main MIT se CS mein Masters kar raha hoon โ€” sab possible hua is loan ki wajah se.

A
Arjun Mishra
MS CS @ MIT, USA

Girl student hone ki wajah se extra 0.5% concession mila aur processing fee bhi zero thi. Moratorium period mein padhai pe focus kar paai โ€” EMI ki chinta nahi thi. IIM Ahmedabad se MBA kiya, ab โ‚น28 LPA ki job hai.

P
Prachi Joshi
MBA @ IIM-A, Product Manager

MBBS ke baad MD ke liye โ‚น40 lakh chahiye tha. Bank ne mana kar diya, FinVerde ne haan kaha. Section 80E ka benefit le ke effective interest rate 5% se bhi kam aa gayi. Best financial decision of my life.

R
Dr. Rohan Sharma
MD Cardiology, AIIMS Delhi
FAQ

Aapke Sawaal, Hamare Jawaab

Education loan ke baare mein sab common doubts โ€” ekdum seedhi aur clear baat.

Haan! Government ke pradhan mantri vidya lakshmi scheme ke under โ‚น7.5 lakh tak ka loan bina kisi collateral ke milta hai. Isse upar ke loans ke liye property, FD, ya insurance policy as security lagani padti hai. Kuch premium institutes ke liye collateral-free limit โ‚น40 lakh tak hoti hai.
Moratorium period (course duration + 6โ€“12 months) mein EMI nahi hoti lekin interest accumulate hota rehta hai. Yeh interest principal mein add ho jaata hai aur repayment ke waqt total outstanding amount badh jaata hai. Optional hai ki study ke dauran sirf interest pay karo โ€” isse total cost kam hoti hai.
Agar university ne fees refund ki hai toh loan amount waapas ho jaata hai โ€” zero prepayment penalty. Agar dusri university mein admission lete hain toh loan transfer kiya ja sakta hai. Admission cancel hone ke 30 din ke andar bank ko inform karna zaroori hai taaki unnecessary interest accumulate na ho.
Jo interest aapne ek financial year mein chukaya hai, uski poori amount Income Tax mein deduct hoti hai โ€” koi upper limit nahi. Yeh benefit repayment start hone ke saal se lekar lagatar 8 saal tak milta hai. Loan certificate har saal bank deta hai jise ITR file karte waqt use karein. Self ya family member ke liye liya loan โ€” dono eligible hain.
Job nahi mili toh moratorium period 6 extra mahine badhaya ja sakta hai โ€” ek baar apply karne par. Partial employment pe step-down EMI option available hai. Extreme cases mein loan restructuring possible hai. Hamaara dedicated financial advisor aapke saath mil ke ek plan banata hai โ€” default se pehle hamesha contact karein.
Visa rejection pe loan cancel kiya ja sakta hai bina kisi penalty ke โ€” disbursed amount (agar koi fees di thi) return karni hogi. Hum visa rejection ke common reasons mein bhi guidance dete hain. Alternative university/country mein apply karne par loan same terms pe re-process hota hai โ€” fresh application nahi karni.

Ready To Get Your Loan?

Apply now and get instant approval with comptitve rate ans assured cashback offer

Apply now
Contact Us