EasyShiksha × UniCreds education loans
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17 banks, NBFCs and international lenders in one place. See rates, limits and fees, then apply once to get matched.
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20,000+ students have funded their studies with UniCreds
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Compare education loan lenders
Starting rates and maximum loan amounts, side by side. Tap a lender for full details.
| Lender | Type | Interest (p.a.)* | With collateral | Without collateral | Processing fee |
|---|---|---|---|---|---|
|
ICICI Bank
|
Private bank | From 10% | ₹2 crore | ₹1 crore | 0.5% – 1% + GST |
|
Axis Bank
|
Private bank | From 9.5% | ₹3 crore | ₹75 lakh | 0.5% – 1% + GST |
|
IDFC FIRST Bank
|
Private bank | From 9% | ₹2 crore | ₹75 lakh | 0.5% – 1% |
|
YES Bank
|
Private bank | From 11% | ₹2 crore | ₹50 lakh | 0.5% – 1% |
|
Union Bank of India
|
Public sector bank | From 9.30% | ₹75 lakh | ₹40 lakh (listed universities only) | ₹5,000, refundable |
|
Punjab National Bank
|
Public sector bank | From 9.25% | ₹2 crore | ₹8 lakh | From 0.5% |
|
Credila
|
NBFC | From 9.95% | No upper limit | ₹75 lakh | 0.85% – 1% of the loan |
|
Avanse
|
NBFC | From 10.75% | ₹2 crore | ₹1 crore | 0.5% – 1% + GST |
|
Avanse Global
|
NBFC | From 10% | Not offered | Based on your profile | From 3.99% |
|
InCred
|
NBFC | From 11.4% | ₹2 crore | ₹75 lakh | From 1% |
|
Auxilo
|
NBFC | From 11.25% | ₹2 crore | ₹80 lakh | From 0.5% |
|
Tata Capital
|
NBFC | From 11% | ₹2 crore | ₹75 lakh | 0.5% – 1% |
|
Poonawalla Fincorp
|
NBFC | From 10% | ₹3 crore | ₹1 crore | From 0.75% |
|
Edgro
|
NBFC | From 11.5% | Not offered | ₹1 crore | From 1% |
|
FinZ
|
NBFC | From 10.75% | Not offered | ₹75 lakh | 0.75% – 1.25% |
|
Prodigy Finance
|
International lender | Variable | Not required | Based on your course and school | From 5% |
|
MPOWER Financing
|
International lender | From 12.99% | Not offered | Up to ₹95 lakh | Ask your loan expert |
*As published by UniCreds, Oct 2026. Final terms depend on your profile and the lender’s assessment.
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*Starting rates as published by UniCreds. Your rate depends on your profile, course and lender. Compare all lenders
Form to funding in 5 steps
100% digital, with a real person helping you the whole way.
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Share your plans
Where, what and when you want to study, and how much you need.
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Chat with an expert
A UniCreds specialist calls and explains your options.
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Upload documents
All online from home. No branch visits.
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Get the best rate
Your expert negotiates with lenders for you.
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Get sanctioned
Sanction letter in as little as 48 hours*.
Choosing a lender
Which lender gives the lowest interest rate?
Public sector banks such as Punjab National Bank and Union Bank of India start lowest, but usually need collateral. Your expert compares offers for your profile.
Which lenders give the highest collateral-free loans?
ICICI Bank, Avanse, Poonawalla Fincorp and Edgro offer collateral-free loans up to ₹1 crore, subject to eligibility.
Can I get a loan without a co-applicant?
International lenders such as MPOWER Financing and Prodigy Finance lend without a co-signer, for eligible universities.
Bank or NBFC: which is better?
Banks often have lower rates but stricter collateral rules. NBFCs are usually faster and more flexible on collateral. Many students apply to both.
Got the admit? Let’s get it funded.
Check your eligibility in 30 seconds. A loan expert calls you back within one working day.
*Interest rates, sanction times, savings, loan amounts, fees and other terms are indicative, as published by UniCreds, and depend on the lender and on the student’s and co-applicant’s profile, course and country. Education loans are provided by banks and NBFCs through UniCreds Private Limited. EasyShiksha (EdSpectra Global Private Limited) refers students to UniCreds and does not lend money or guarantee any loan. Lender names and logos belong to their owners. Cost figures are approximate.