{"id":116,"date":"2026-01-20T10:06:05","date_gmt":"2026-01-20T10:06:05","guid":{"rendered":"https:\/\/credveda.com\/blog\/?p=116"},"modified":"2026-01-20T10:39:01","modified_gmt":"2026-01-20T10:39:01","slug":"comparison-of-education-loan-in-india","status":"publish","type":"post","link":"https:\/\/credveda.com\/blog\/comparison-of-education-loan-in-india\/","title":{"rendered":"Comprehensive Comparison of Education Loan in India"},"content":{"rendered":"\n<p><strong>Comprehensive <a href=\"https:\/\/credveda.com\/blog\/comparison-of-education-loan-in-india\/\">Comparison of Education Loan in India<\/a><\/strong>  (for banks and NBFCs), based on the latest available data in 2025\u201326. This will help you pick the right lender depending on <strong>interest rate, fees, flexibility, eligibility, and other benefits<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\"><strong>\ud83c\udf93 1. Interest Rate Comparison (Banks vs NBFCs)<\/strong><\/h2>\n\n\n\n<p><strong>Banks (especially public sector):<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Typically offer <strong>lower interest rates (8.5% \u2013 ~12% p.a.)<\/strong>, especially for public sector banks (SBI, PNB, BoB, Canara, etc.)<\/li>\n\n\n\n<li>Interest rates are often linked to benchmarks like <strong>MCLR\/Repo + spread<\/strong>, meaning they can adjust with RBI policy. <\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\"><strong>NBFCs (private lenders specialized in education loans):<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Generally have <strong>higher interest rates<\/strong> vs banks, often in the <strong>11% \u2013 14.5% p.a. range<\/strong>, and in some cases even up to ~16%+ for certain products.<\/li>\n\n\n\n<li>Rates may vary significantly by profile, course, and destination (India vs abroad).<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>Lender Type<\/strong><\/td><td><strong>Typical Rate (p.a.)<\/strong><\/td><td><strong>Notes<\/strong><\/td><\/tr><\/thead><tbody><tr><td>Public Sector Banks<\/td><td>~8.5% \u2013 11.5%<\/td><td>Slightly higher than the pub sector; faster processing.<\/td><\/tr><tr><td>Private Banks<\/td><td>~10% \u2013 13.5%<\/td><td>Slightly higher than the pub sector; faster processing.<\/td><\/tr><tr><td>NBFCs<\/td><td>~11% \u2013 14.5%+<\/td><td>Higher rates but flexible terms; some offer larger unsecured amounts.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"720\" height=\"400\" src=\"https:\/\/credveda.com\/blog\/wp-content\/uploads\/2026\/01\/comparison-of-education-loan.webp\" alt=\"comparison of education loan\" class=\"wp-image-128\" srcset=\"https:\/\/credveda.com\/blog\/wp-content\/uploads\/2026\/01\/comparison-of-education-loan.webp 720w, https:\/\/credveda.com\/blog\/wp-content\/uploads\/2026\/01\/comparison-of-education-loan-300x167.webp 300w\" sizes=\"auto, (max-width: 720px) 100vw, 720px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\ud83d\udcca 2. Loan Amount &amp; Collateral<\/strong><\/h2>\n\n\n\n<p><strong>Banks:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Loans can go up to \u20b91.5 crore or more for studies abroad with collateral.<\/li>\n\n\n\n<li>Collateral is usually required above a certain threshold (e.g., loans &gt; \u20b97.5 lakh).<\/li>\n<\/ul>\n\n\n\n<p><strong>NBFCs:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Loan amounts vary by provider, typically <strong>\u20b940\u2013\u20b980 lakh+<\/strong>, and some offer up to \u20b92 crore in special cases.<\/li>\n<\/ul>\n\n\n\n<p>Many NBFCs offer <strong>no or minimal collateral requirements<\/strong>, making them attractive for students without property.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\ud83d\udcb8 3. Other Cost Components<\/strong><\/h3>\n\n\n\n<p><strong>Processing Fees:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Banks:<\/strong> Usually lower (0.5%\u20132% of loan amount; sometimes fixed small fees).<\/li>\n\n\n\n<li><strong>NBFCs:<\/strong> Often higher (1.5%\u20132.5%+), and sometimes non-refundable.<\/li>\n<\/ul>\n\n\n\n<p><strong>Margin Money:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Banks often require a <strong>student contribution (margin)<\/strong>\u2014e.g., 5\u201315% depending on loan size\/destination.<\/li>\n\n\n\n<li>NBFCs may offer <strong>100% funding<\/strong> without margin money in many cases.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Processing Time &amp; Documentation:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Banks<\/strong>: Longer processing (2\u20133 weeks or more).<\/li>\n<\/ul>\n\n\n\n<p><strong>NBFCs<\/strong>: Faster (5\u201310 working days) and less paperwork.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\ud83e\uddfe 4. Tax &amp; Subsidy Benefits<\/strong><\/h2>\n\n\n\n<p><strong>Tax Deduction (Section 80E):<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If you take a <strong>bank education loan<\/strong>, the <strong>interest paid qualifies for deduction under Section 80E<\/strong> (no cap on amount, up to 8 years). <\/li>\n\n\n\n<li>For NBFCs, tax deductions apply <strong>only if the NBFC is notified under Sec 80E by the CBDT<\/strong> (less common).<\/li>\n<\/ul>\n\n\n\n<p><strong>Government Subsidies:<\/strong> Subsidies (e.g., CSIS) and schemes like <strong>PM Vidyalaxmi<\/strong> are offered <strong>mainly through banks<\/strong>, not NBFCs<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\ud83e\udde0 5. How to Choose Based on Your Needs<\/strong><\/h2>\n\n\n\n<p><strong>Choose a Bank Loan if:<\/strong><br>\u2705 You want <strong>lower interest and subsidies\/tax benefits<\/strong>.<br>\u2705 You have or can provide <strong>collateral<\/strong>.<br>\u2705 You prefer regulated, traditionally strong lenders. <strong>Choose an NBFC Loan if:<\/strong><br>\u2705 You need <strong>fast processing<\/strong> and minimal documentation.<br>\u2705 You want <strong>higher unsecured amounts<\/strong> without collateral.<br>\u2705 You have a <strong>less conventional course or institute abroad<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\ud83d\udccc Practical Examples (Indicative)<\/strong><\/h3>\n\n\n\n<p><strong>Banks<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>State Bank of India<\/strong>: ~8.05%\u201311.75% p.a.; nominal processing fee on smaller loans.<\/li>\n\n\n\n<li><strong>Punjab National Bank (PNB)<\/strong>: ~9.20%+; potential concessions for females.<\/li>\n<\/ul>\n\n\n\n<p><strong>NBFCs<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>HDFC Credila<\/strong>: ~9.95% \u2013 13.25%; focused on study-abroad loans.<\/li>\n<\/ul>\n\n\n\n<p><strong>Avanse<\/strong>: ~10% \u2013 16.5%; flexible repayment options.<\/p>\n\n\n\n<p>Below is a <strong>side-by-side <a href=\"https:\/\/credveda.com\/blog\/comparison-of-education-loan-in-india\/\">comparison of leading education loan<\/a> options (Banks vs NBFCs) in India<\/strong> for 2026 \u2014 especially useful if you want to compare <strong>interest rates, loan amounts, processing fees, and key features<\/strong> before choosing a lender. (Rates and features are indicative and depend on profile, course, location, and lender policies \u2014 always verify with the bank\/NBFC before applying.)<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\ud83c\udf93 Education Loan Comparison \u2014 Banks vs NBFCs<\/strong><\/h2>\n\n\n\n<p><strong>\ud83c\udfe6 Public &amp; Private Banks (Lower Rates, Government-Linked)<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Bank<\/strong><\/td><td><strong>Interest Rate (Approx p.a.)<\/strong><\/td><td><strong>Max Loan Amount<\/strong><\/td><td><strong>Processing Fee<\/strong><\/td><td><strong>Key Notes<\/strong><\/td><\/tr><tr><td><strong>State Bank of India (SBI)<\/strong><\/td><td>~8.4% \u2013 ~11.1%<\/td><td>Up to ~\u20b91.5 Cr<\/td><td>Nil\/Low (up to \u20b910k)<\/td><td>Concession for girls; popular for studying abroad &amp; India.<\/td><\/tr><tr><td><strong>Punjab National Bank (PNB)<\/strong><\/td><td>~7.5% \u2013 ~10.25%<\/td><td>~\u20b91 Cr<\/td><td>~Nil \u2013 1%<\/td><td>Subsidised under PM Vidyalaxmi for eligible students.<\/td><\/tr><tr><td><strong>Bank of Baroda (BoB)<\/strong><\/td><td>~8.6% \u2013 ~10.2%<\/td><td>~\u20b91 Cr+<\/td><td>Nil \/ ~1% above threshold<\/td><td>Competitive for both India &amp; abroad studies.<\/td><\/tr><tr><td><strong>HDFC Bank<\/strong><\/td><td>~9.5% \u2013 ~13.5%<\/td><td>~\u20b940 L<\/td><td>~1%<\/td><td>Flexible repayment; faster processing than PSU banks.<\/td><\/tr><tr><td><strong>ICICI Bank<\/strong><\/td><td>~9.8% \u2013 ~14%<\/td><td>~\u20b950 L \u2013 \u20b91 Cr<\/td><td>Up to ~2%<\/td><td>Unsecured options for smaller amounts.<\/td><\/tr><tr><td><strong>Axis Bank<\/strong><\/td><td>~13.7% \u2013 ~15.2%<\/td><td>~\u20b950 L +<\/td><td>~2%<\/td><td>Higher side, but quicker sanction times.<\/td><\/tr><tr><td><strong>Canara Bank<\/strong><\/td><td>~8.0% \u2013 ~11.3%<\/td><td>\u20b940 L \u2013 higher<\/td><td>Nil\/Low<\/td><td>Good concession options for meritorious students.<\/td><\/tr><tr><td><strong>IDBI Bank<\/strong><\/td><td>~8.5% \u2013 ~11.1%<\/td><td>Varies<\/td><td>~1%<\/td><td>No prepayment charge.<\/td><\/tr><tr><td><strong>Union Bank of India<\/strong><\/td><td>~8.5% \u2013 ~12.5%<\/td><td>\u20b940 L+<\/td><td>Nil<\/td><td>Concession for girls; popular for studying abroad &amp; in India.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u2705 Pros (Banks)<br>\u2022 Generally, lower interest rates and subsidies are available.<br>\u2022 Some offer <strong>tax savings (Sec 80E)<\/strong> and government schemes like Vidyalaxmi\/Padho Pardesh. (Govt-linked, benefits apply per eligibility)<br>\u2022 Better for <strong>higher loan amounts with collateral<\/strong>. \u26a0\ufe0f <strong>Cons (Banks)<\/strong><br>\u2022 Processing time can be <strong>longer<\/strong> (2\u20134+ weeks).<br>\u2022 More <strong>documentation<\/strong> and stricter credit criteria.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\"><strong>\ud83d\udcca NBFCs (Non-Bank Finance Companies) \u2013 Flexible but Usually Costlier<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>NBFC \/ Financier<\/strong><\/td><td><strong>Interest Rate (Approx p.a.)<\/strong><\/td><td><strong>Max Loan Amount<\/strong><\/td><td><strong>Processing Fee<\/strong><\/td><td><strong>Features<\/strong><\/td><\/tr><tr><td><strong>HDFC Credila<\/strong><\/td><td>~11.5% \u2013 ~13.5%<\/td><td>~\u20b980 L+<\/td><td>0.5% \u2013 2%<\/td><td>Specialist in study abroad.<\/td><\/tr><tr><td><strong>Avanse Education<\/strong><\/td><td>~12.5% \u2013 ~13.5%<\/td><td>~\u20b960 L<\/td><td>0.5% \u2013 2%<\/td><td>Flexible repayment; partial EMIs.<\/td><\/tr><tr><td><strong>InCred Education<\/strong><\/td><td>~12.5% \u2013 ~13.5%<\/td><td>~\u20b965 L<\/td><td>0.5% \u2013 2%<\/td><td>Unsecured options; simplified docs.<\/td><\/tr><tr><td><strong>Auxilo<\/strong><\/td><td>~12.5% \u2013 ~13.5%<\/td><td>~\u20b950 L<\/td><td>0.5% \u2013 2%<\/td><td>Customised loans; quick turnaround.<\/td><\/tr><tr><td><strong>Bajaj Finance<\/strong><\/td><td>~13% \u2013 ~15%<\/td><td>~\u20b950 L<\/td><td>1% \u2013 2%<\/td><td>Widely available but costlier.<\/td><\/tr><tr><td><strong>Tata Capital<\/strong><\/td><td>~11.5% \u2013 ~12.75%<\/td><td>~\u20b975 L<\/td><td>~1% + GST<\/td><td>Competitively priced for larger unsecured amounts.<\/td><\/tr><tr><td><strong>Muthoot Finance \/ Shriram Finance<\/strong><\/td><td>~11% \u2013 ~14%<\/td><td>~\u20b925\u201330 L<\/td><td>0.5% \u2013 2%<\/td><td>Shorter tenures; simpler underwriting.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u2705 Pros (NBFCs)<br>\u2022 Usually faster approval and disbursal.<br>\u2022 More flexible eligibility \u2014 good if collateral or co-applicant options are limited.<br>\u2022 May offer interest during course payment options. \u26a0\ufe0f Cons (NBFCs)<br>\u2022 Higher interest rates and fees are usually higher than those of banks.<br>\u2022 Not all NBFC loans qualify for <strong>tax benefits or government subsidies<\/strong> under Sec 80E.<br>\u2022 RBI has taken action on some lenders for non-compliance or high pricing.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\"><strong>\ud83d\udccc Quick Reference \u2013 Interest + Fees at a Glance (Indicative)<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Category<\/strong><\/td><td><strong>Interest Range (p.a.)<\/strong><\/td><td><strong>Typical Processing Fee<\/strong><\/td><\/tr><tr><td><strong>PSU Banks (e.g., SBI, PNB, BoB)<\/strong><\/td><td>~7.5% \u2013 ~11.5%<\/td><td>Nil \u2013 Low (\u20b90\u2013\u20b910k)<\/td><\/tr><tr><td><strong>Private Banks (e.g., HDFC, ICICI)<\/strong><\/td><td>~9.5% \u2013 ~14%<\/td><td>Moderate (1%\u20132%)<\/td><\/tr><tr><td><strong>NBFCs<\/strong><\/td><td>~11% \u2013 ~15%+<\/td><td>~0.5% \u2013 ~2%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\ud83d\udd0d Choosing the Right Option<\/strong><\/h3>\n\n\n\n<p><strong>\ud83d\udccd For Study <em>in India<\/em><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If you <strong>want the lowest cost<\/strong> \u2192 PSU banks like SBI, PNB, BoB are often best.<\/li>\n\n\n\n<li>For <strong>faster processing or flexible terms<\/strong> \u2192 Private banks or NBFCs.<\/li>\n<\/ul>\n\n\n\n<p><strong>\ud83d\udccd For Study <em>Abroad<\/em><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Banks<\/strong> can finance larger loans with collateral (up to \u20b91.5 Cr). <\/li>\n\n\n\n<li><strong>NBFCs<\/strong> are good when you need <strong>quicker disbursal or no\/low collateral<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\"><strong>\ud83e\udde0 Tips Before Applying<\/strong><\/h2>\n\n\n\n<p>\u2714 Ask lenders for the <strong>APR (annual percentage rate)<\/strong> \u2014 interest + all fees.<br>\u2714 Check <strong>moratorium &amp; simple interest policies<\/strong> (how interest is charged during study).<br>\u2714 Ask about <strong>tax benefits (Sec 80E)<\/strong> and <strong>government subsidy schemes<\/strong> like Vidyalaxmi\/Padho Pardesh.<br>\u2714 Negotiate processing fee &amp; rate \u2014 lenders sometimes adjust based on profile.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\ud83d\udccd Final Tips Before You Apply<\/strong><\/h3>\n\n\n\n<p> \u2714 Compare <strong>APR<\/strong> (which includes interest + all fees), not just headline rate.<br>\u2714 Check forgiveness\/subsidy eligibility (banks often win here).<br>\u2714 Ask for all charges <strong>in writing<\/strong> (processing, insurance, pre-payment).<br>\u2714 Consider using a <strong>loan comparison\/aggregator platform<\/strong> for customized quotes.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Comprehensive Comparison of Education Loan in India (for banks and NBFCs), based on the latest available data in 2025\u201326. This [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":128,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-116","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>know About Comprehensive comparison of Education loan in India<\/title>\n<meta name=\"description\" content=\"Learn more about Comprehensive Comparison of Education Loan in India with fully details.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/credveda.com\/blog\/comparison-of-education-loan-in-india\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta 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