Smart EMI Calculator
Loan: ₹35.0L • Rate: 6.5% • Term: 20 Yrs
About Education Loan
An investment in higher education yields the highest returns. Whether you are aiming for an Ivy League MBA, a specialized STEM master's degree in Germany, or a premier medical program in India, an Education Loan ensures that financial constraints never stand in the way of your intellectual potential. Bhardwaj Financial Services partners with leading banks and specialized NBFCs to offer highly customized student financing solutions.
Our education loans are comprehensive—they don't just cover your university tuition fees. They are structured to cover up to 100% of your total cost of attendance, including expensive hostel accommodations, living expenses, travel tickets, and even the purchase of necessary equipment like laptops. For premier global institutes, we facilitate high-value unsecured loans (up to ₹40 Lakhs) based purely on your academic merit and future earning potential.
One of the most significant advantages of a student loan is the 'Moratorium Period'. During your study period and for a few months after graduation, you are not required to pay the principal EMI. You (or your co-applicant) only need to service the simple interest. This allows you to focus entirely on your academics and secure a job before the heavy repayment begins.
Key Benefits
- 100% coverage of tuition, living, travel, and study materials.
- Unsecured (no collateral) loan options available for top-tier universities globally.
- Moratorium period allows you to delay principal repayment until after graduation.
- 100% of the interest paid is tax-deductible under Section 80E with no upper limit.
- Builds a strong early credit history for the student before they enter the workforce.
- Dedicated disbursement channels directly to international universities to manage forex.
Why Choose Our Education Loan?
We partner with top banks to bring you unbeatable terms, transparency, and zero hidden charges.
Moratorium Period
Don't pay principal while studying. Repayment starts 6-12 months after course completion or getting a job.
Global Reach
Funding available for MS, MBA, STEM, and Medical programs in the US, UK, Canada, Australia, and Germany.
100% Tax Benefit
The entire interest amount paid on an education loan is tax-deductible under Section 80E for up to 8 years.
Who Can Apply?
- 1Student: Must be an Indian citizen who has secured admission to a recognized university/college.
- 2Co-Applicant: A parent or guardian with a stable income source is required as a financial co-applicant.
Document Checklist
Academic & Admission
- Admission Letter / I-20
- Fee Structure
- 10th, 12th, and Degree Marksheets
- GRE/GMAT/IELTS Scores
Financial (Co-applicant)
- Income proof of parents (ITR, Salary Slips)
- Collateral documents (if loan > ₹40L)