Credila
Education finance · NBFC
Specialist education finance with secured and unsecured options assessed against the academic and co-applicant profile.
Our servicesEducation loans.
A plan for your potential
Education loans.
Bigger possibilities.
From your first offer to your next chapter. Explore secured and unsecured funding for bachelor’s and postgraduate study abroad.
Loans up to
₹1.5 Cr*
Subject to lender approval, eligibility and applicable terms. A funding conversation—not a promise of sanction.
Prepare your documentsThe funding landscape
Leading education-loan banks & NBFCs
Five financing options to explore. The right lender depends on your course, university, co-borrower and funding needs—not just the headline amount.
Avanse
Education finance · NBFC
Study-abroad funding that can include eligible tuition, living, travel and learning-related expenses.
Auxilo
Education finance · NBFC
Overseas education financing, including eligible pre-admission or pre-visa options under the lender’s terms.
ICICI Bank
Bank
Education-loan products with secured and unsecured routes, co-applicant assessment and programme-specific terms.
Axis Bank
Bank
Course- and profile-based education financing, with collateral-free options for eligible applicants.
This is an informational selection, not a ranking or confirmation of an Edubridge partnership. Names and logos belong to their respective lenders. Product availability and approval remain at each lender’s discretion.
Two routes. One ambition.
Secured or unsecured? Start with the difference.
Collateral changes how a loan is assessed. It does not remove the need for a sustainable repayment plan.
Secured loan
With lender-approved collateral
- Security
- Backed by an asset accepted by the lender, such as eligible property or a fixed deposit.
- Assessment
- Academic profile, course, co-borrower credit and income, plus title checks and collateral valuation.
- Amount & pricing
- Collateral can support a larger eligible amount or different pricing; it does not guarantee approval.
- Preparation
- Additional property or deposit documents and legal/valuation checks may add time and costs.
- Repayment risk
- Missed payments can affect both borrowers’ credit, and the pledged asset may be at risk.
Unsecured loan
Without pledged collateral
- Security
- No pledged collateral. A co-borrower and evidence of repayment capacity are still usually required.
- Assessment
- Academic record, institution and course, employment prospects, co-borrower income and credit history.
- Amount & pricing
- Limits and rates depend on the lender’s approved courses, institutions and borrower profile.
- Preparation
- No property valuation stage, but income, credit and academic verification still apply.
- Repayment risk
- The debt remains repayable. Missed payments can affect both borrowers’ credit and trigger recovery action.
*Up to ₹1.5 Cr (₹150 lakh) is an indicative funding ceiling for eligible profiles—not a guaranteed sanction or an amount available from every lender or product. The final amount, rate, margin, collateral and disbursement depend on the lender, course, institution, repayment capacity and credit assessment. Edubridge provides assistance, not lending or approval.
Start with a conversation
Your plans. Your funding options.
Tell us about your course and budget. We’ll help you understand the next steps and the documents to prepare.
- Secured and unsecured options
- Bachelor’s and postgraduate pathways
- Student and co-borrower document guidance
No PAN/Aadhaar numbers, bank statements or document uploads are needed at this enquiry stage. Please do not include them in your notes.
Prepare with confidence
Your education-loan document checklist
Edubridge’s preparation checklist, with additional items from lender guidance. Exact requirements, statement recency and accepted KYC alternatives vary by lender and applicant.
Edubridge accepts farmer co-borrower enquiries for postgraduate courses only, subject to the individual lender’s assessment and approval. This is an Edubridge eligibility condition—not a universal bank or NBFC rule.
0 of 20 applicable items prepared
Student · bachelor’s
Co-borrower · salaried
Admission & supporting documents
If opting for a secured loan
Checklist selections stay on this page and are not submitted. Share documents only through a verified lender channel; do not send identity numbers or account statements through the enquiry form.
Beyond the tuition fee
Plan the full cost of your education
Coverage differs by lender and product. Expenses must normally be connected to the course and supported by the approved budget or evidence.
Tuition & academic fees
Eligible tuition, examination, library and laboratory charges.
Accommodation & living
Lender-approved hostel, rent and living-cost budgets.
Travel & insurance
Eligible overseas travel, required insurance and related costs.
Books & equipment
Approved books, study materials and necessary equipment or laptop.
Ask for the full cost
Request the Key Facts Statement (KFS), annual percentage rate (APR), fee schedule and repayment schedule. Compare processing, legal/valuation, insurance, foreign-remittance, late-payment and prepayment terms where applicable. Ask which charges are optional, refundable or included in APR.
Understand the repayment start
A moratorium usually postpones full EMIs—not interest. Confirm study-period payments, interest capitalisation, margin contribution, variable-rate changes and the first EMI date before accepting the offer.
From funding plan to disbursement
- 01
Build the study budget
Map course fees and living costs, then subtract confirmed scholarships and your own contribution.
- 02
Compare written terms
Review eligibility, collateral, APR, margin, charges and repayment conditions—not only the interest-rate headline.
- 03
Complete lender assessment
Submit documents through verified channels. The lender carries out credit, income, academic and any collateral checks.
- 04
Sanction, then disbursement
Read the sanction letter, meet the conditions and confirm when and how each instalment is released.
Clarity before commitment
Questions worth asking
Information reviewed 8 October 2026. General guidance, not a loan quotation, eligibility decision or live rate feed. Current lender terms and written documents take priority.