Education Loan
Atharva Finserv Advisors Pvt. Ltd. provides assistance in arranging education loans with flexible and student-friendly financing options for higher education in India and abroad. Eligible students can avail of unsecured education loans of up to ₹1.50 crore, with up to 100% funding towards course and tuition fees. The facility may include a moratorium period covering the course duration plus 6–12 months, with course durations ranging from 12 to 24 months, during which no EMI repayment is required. Borrowers can also benefit from a repayment tenure of up to 15 years, subject to lender terms and eligibility. Additionally, pre-sanction facilities may be available even before receipt of the final admission letter, subject to lender policies and preliminary eligibility assessment. The facility may also offer no payment charges and an education loan top-up facility, subject to applicable terms and conditions. These financing solutions are designed to help students plan and manage their higher education expenses in a structured and convenient manner.
Based on Location
Domestic Education Loan
Domestic Education Loan is a financial facility designed for students who wish to pursue higher education within India. It can help cover expenses such as tuition fees, course fees, examination fees, , accommodation, and other approved educational expenses. Depending on the lender and the student’s eligibility, the loan will be available with or without collateral and will offer a moratorium period and flexible repayment options. This allows students to focus on their education while managing the cost of their studies in a structured manner.
Study Abroad Education Loan
An Overseas Education Loan is a financial facility designed for students planning to pursue higher education at recognized institutions abroad. It can help cover expenses such as tuition fees, accommodation, living expenses, travel, insurance, books, and other approved education-related costs. Education loans are available for students planning to study in countries such as the USA, Canada, United Kingdom, Germany, Netherlands, Australia, and New Zealand, subject to lender and institution eligibility criteria. Depending on the applicant’s profile, the loan will be available with or without collateral and will offer a moratorium period and flexible repayment options, making it easier to manage the financial requirements of studying abroad.
Based on Collateral Security
Secured Education Loan
A Secured Education Loan is a financing facility offered against acceptable collateral or security provided by the borrower. The collateral will include residential or commercial property, fixed deposits, or other eligible assets, subject to the lender’s terms and conditions. The loan can be utilized towards tuition fees, course-related expenses, accommodation, travel, and other approved educational costs. Based on the applicant’s profile, the applicable Rate of Interest (ROI) will range from approximately 9.25% to 9.95%*. Secured education loans will also facilitate higher loan amounts and structured repayment options. The final loan amount, ROI, tenure, collateral requirements, and applicable charges will be determined by the lender based on the applicant’s eligibility and credit assessment.
Unsecured Education Loan
An Unsecured Education Loan is a financing facility provided without requiring collateral or security against the loan amount. Eligibility is generally assessed based on factors such as the student’s academic profile, course and institution, co-applicant’s income, credit profile, and overall repayment capacity. The loan can be utilized towards tuition fees, course-related expenses, accommodation, travel, and other approved educational costs, subject to the lender’s policies. The applicable Rate of Interest (ROI) will range from approximately 10.50% to 11.25%*, depending on the applicant’s profile and lender’s assessment. The final loan amount, ROI, tenure, and applicable charges are subject to the lender’s eligibility criteria and approval terms.
Based on Course Level
Undergraduate Loans
An Undergraduate Education Loan is a financing facility designed to support students pursuing a bachelor’s degree or other undergraduate-level programs. The loan can be used to meet approved educational expenses such as tuition fees, examination fees, accommodation, and other course-related costs. Eligibility and funding depend on factors such as the student’s academic profile, course, institution, co-applicant’s financial profile, and the lender’s eligibility criteria. The applicable interest rate, repayment tenure, collateral requirements, and other terms are determined by the lender based on the applicant’s profile and credit assessment. For post-12th bachelor’s degree programs lasting 3 to 5 years.
Postgraduate Loans
A Postgraduate Education Loan is a financing facility designed to support students pursuing master’s degrees, postgraduate diplomas, and other advanced-level programs in India or abroad. The loan can be utilized towards approved expenses such as tuition fees, examination fees, accommodation, books, travel, equipment, and other course-related costs. Eligibility and funding are generally determined based on the student’s academic profile, course, institution, co-applicant’s financial profile, and the lender’s eligibility criteria. The applicable interest rate, repayment tenure, collateral requirements, and other terms are subject to the lender’s assessment and approval. Tailored for 2-year master’s programs or specialized MBAs.
Education Loan for Professional Courses
An Education Loan for Professional Courses is a financing facility designed to support students pursuing career-oriented and specialized programs such as engineering, medicine, management, law, architecture, and other professional courses. The loan can assist with expenses including tuition fees, course fees, accommodation, equipment, and other approved educational costs. The availability and amount of funding depend on the course, educational institution, student profile, and lender’s eligibility criteria.
Education Loan for Aviation Training
We provides assistance in arranging education loan facilities for Aviation Training, both Conventional Pilot Training and Cadet Pilot Training Programs, subject to the lender’s eligibility criteria and approval of the respective course and institution. The financing may cover approved expenses such as training fees, tuition fees, examination fees, accommodation, equipment, and other course-related costs. Our assistance includes eligibility assessment, documentation support, coordination with lenders, and loan processing, enabling students to access structured financial solutions for their aviation education and career aspirations make it simple.
Education Loan for Medical Studies
A Medical Education Loan is designed to provide financial assistance to students pursuing medical and healthcare-related courses such as MBBS, MD, MS, BDS, MDS, and other professional medical programs in India or abroad. Depending on the course and lender’s eligibility criteria, the loan will cover tuition fees, examination fees, accommodation, books, equipment, and other approved educational expenses. Medical education loans will be available in both secured and unsecured options, providing students with flexible financing solutions to support their medical education and career aspirations.
Education Loan for Architecture Studies
An Architecture Education Loan is designed to provide financial assistance to students pursuing professional architecture courses such as B.Arch, M.Arch, and other specialized architecture programs in India or abroad. The loan will cover tuition fees, examination fees, accommodation, books, equipment, and other approved educational expenses, subject to the lender’s eligibility criteria. We assist students with eligibility assessment, documentation, lender coordination, and loan processing, helping them manage the cost of their architecture education effectively.