Achieve your study-abroad dream with Easy Education loans
All recognized courses that offer good job opportunities.
Graduation, Post-Graduation, Diploma, or Professional courses.
Student’s age should be between 18-35 years.
Applicant must be an Indian citizen.
Up to 90% loan amount sanctioned by most nationalised banks.
Some institutions offer 100% loan sanction.
Loans up to ₹5 Crore can be availed.
Loan documents must be signed by both the student and parent/guardian.
The student is the main applicant.
Parent or guardian acts as the co-applicant.
Admission to a professional/technical course abroad is required.
Above ₹7 lakh: Co-borrower and collateral required.
Fixed deposit can be used as collateral.
Any Earning member of the family such as Father / Mother / Brother / Sister / Spouse
Father in law/ Mother in law/ Sister in law/ Brother in law/ Paternal/ Maternal Uncle/Aunt
Tax benefits available under Income Tax Act – Section 80E.
Students can close the loan early and may get closure discounts.
Property like house, flat, or commercial land can be used as collateral.
LIC policies and government bonds are accepted based on surrender value.
Fixed deposit equal to the loan amount with the bank.
Airfare / Travel costs
Books and stationery
Boarding and lodging expenses
Admission / Tuition fees
Exam fees, library/lab fees, study tours, project work, thesis, or any other course-related expenses
Free counselling and bank selection.
Document collection and verification.
Loan application submission.
Bank sanction letter.
Disbursement directly to the university.
Repayment period: 10–15 years.
Interest and principal repayment starts after first disbursement.
Some banks allow simple interest payment during study period.
Principal repayment starts 6–12 months after course completion or once the student gets a job.
Interest may be paused during the moratorium period by some institutions.
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Documents To Be Collected From Applicant
| S. No | Documents | Student | Guarantor |
|---|---|---|---|
| 1. | Original Bank Application Form | Yes | — |
| 2. | Valid admission / offer letter clearly mentioning course name and tenure | Yes | — |
| 3. | Fee structure from institution (including all expenses like accommodation) | Yes | — |
| 4. | All academic documents – Mark sheets and degrees (10th standard onwards) | Yes | — |
| 5. | Residence Proof (Electricity Bill, Aadhaar card, Passport, Driving License) | Yes | Yes |
| 6. | Identity Proof (PAN Card, Election Card, Passport, Driving License) | Yes | Yes |
| 7. | Age Proof (Birth Certificate, Driving License, Passport) | Yes | Yes |
| 8. | Signature Verification (Passport, PAN Card, Driving License) | Yes | Yes |
| 9. | Self-employed: Business proof, Income Tax Returns for last 3 years with Balance Sheet, Profit & Loss Account and Income Computation | — | Yes |
| 10. | Salaried: salary slips for last 3 months & Form 16 for last 3 years | — | Yes |
| 11. | Last 8 months bank statement | — | Yes |
| 12. | TOEFL / IELTS / PTE certificate | Yes | |
| 13. | Property Documents – Sale Deed / Share Certificate / LIC / FD | — | Yes |
| 14. | Third-party guarantee (Any earning family member or relative) | — | Yes |
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