EasyShiksha × UniCreds education loans
Edgro education loan
Edgro offers fully collateral-free funding up to ₹1 crore for degrees, diplomas, certificates and doctorates abroad. Apply free through EasyShiksha and a UniCreds expert does the legwork.
UniCreds lending partner- From 11.5% p.a.*
- Up to ₹1 crore without collateral*
- NBFC
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20,000+ students have funded their studies with UniCreds
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Edgro education loan at a glance
Edgro offers fully collateral-free funding up to ₹1 crore for degrees, diplomas, certificates and doctorates abroad.
- Lender type
- NBFC
- Interest rate*
- 11.5% – 16% p.a.
- Loan with collateral
- Not offered
- Loan without collateral
- ₹1 crore
- Processing fee
- From 1%
- Margin money
- Nil
- Repayment tenure
- Up to 15 years
- Moratorium
- 12 – 36 months, depending on course length
- Prepayment charges
- Nil
- Countries
- USA, UK, Canada, Australia, New Zealand, France, Germany, Ireland and more
- Apply through
- EasyShiksha × UniCreds (free)
- Typical decision
- After document check by the lender
Highlights, eligibility and documents
Highlights
- Up to 100% funding with no collateral
- Covers fees, books, housing, travel and a laptop
- Processing in about 3 days
- Partial or simple interest while studying, or full EMI
Who can apply
- 18 or older
- Confirmed admission letter
- Good academics and test scores
- Co-applicant (close relative or guardian) with regular income
Documents
Student
- Passport, PAN and Aadhaar
- Address proof
- Admission or offer letter
- Mark sheets and transcripts
- Test scores (GRE, GMAT, IELTS, TOEFL)
Co-applicant
- PAN and Aadhaar
- Salary slips or ITRs (2 – 3 years)
- Bank statements (6 months)
- Business proof if self-employed
Other
- University cost-of-attendance statement
- Scholarship letters, if any
- Property or FD papers for secured loans
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*.
Edgro vs other lenders
Not sure this is the right lender? Compare starting rates and limits, or let your expert shortlist for you.
| 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.
Edgro education loan FAQs
What is the Edgro education loan interest rate?
11.5% – 16% p.a.*. Your final rate depends on your profile, co-applicant, course and university.
How much can I borrow from Edgro without collateral?
₹1 crore*, depending on your profile. With collateral: Not offered.
What is the moratorium on a Edgro education loan?
12 – 36 months, depending on course length. Repayment tenure: up to 15 years.
What is the Edgro processing fee?
From 1%*. Margin money: nil.
How do I apply for a Edgro education loan through EasyShiksha?
Fill in the free form on this page. A UniCreds loan expert checks your eligibility with Edgro and other lenders, helps with documents and negotiates the offer for you.
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*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.