"Comprehensive financing for higher education in India and abroad covering tuition fees, living expenses, travel, and equipment with flexible moratorium periods."
Admissions to world-class universities in the USA, UK, Canada, Australia, Germany, or premier Indian institutions like IIMs, IITs, AIIMS, and ISB should never be constrained by upfront finances. Backed by 16 years of banking domain expertise, Sujan Singh Thakur structures up to 100% cost-of-education funding up to ₹1.5+ Crores with interest rates starting from 8.15% p.a., relaxed collateral guidelines, fast Visa Financial Solvency certificates, and 100% unlimited tax deductions under Section 80E.
Receive pre-visa financial approval, collateral-free assessment, and lowest institutional interest rates.
Unlike standard loans, education loans grant a Moratorium Period (Course Duration + 6 to 12 months grace) during which students pay zero principal. Compute your future repayment and tax shield below.
0.50% Special Concession for Girl Students: Premier public sector banks like SBI, PNB, and Bank of Baroda offer a mandatory 0.50% interest concession for women scholars throughout the loan lifecycle!
Moratorium feature: No principal repayment is required while you are studying. Repayment starts only 6–12 months after course completion or securing employment.
Commences only after course completion
Pre-visa disbursement and financial solvency letters provided.
From Ivy League master's degrees in the US to premier Indian management institutes, we tailor your education finance for 100% expense coverage, minimal margin money, and lowest institutional interest rates.
USA, UK, Canada, Australia, Germany & Ireland
Covers 100% of overseas financial requirements: university tuition, mandatory campus fees, monthly hostel living expenses, return airfare, books, laptop, and international health insurance.
IIMs, IITs, AIIMS, BITS Pilani, ISB & Top Law Schools
Merit scholars admitted to premier national institutes qualify for 100% collateral-free loans up to ₹40 Lakhs–₹50 Lakhs with zero margin money and highly concessional interest rates.
Govt CGFSEL Guarantee up to ₹7.50 Lakhs
Under the Credit Guarantee Fund Scheme for Education Loans (CGFSEL), Indian students secure up to ₹7.50 Lakhs without pledging property or third-party collateral, supported by the Central Sector Interest Subsidy (CSIS).
Backed by Residential, Commercial Property or FDs
For multi-year medical degrees (MBBS abroad), aviation flying academies, or luxury MBA programs requiring ₹75 Lakhs to ₹1.5+ Crores, mortgaging tangible assets unlocks rock-bottom interest rates starting at 8.15%.
Commercial Pilot License (CPL), Data Science & EMBA
Specialized debt architecture for flight training schools (USA, South Africa, New Zealand, India) and mid-career executive master's degrees for working professionals advancing into corporate leadership.
Refinance Expensive 12%-15% NBFC Debt to Banks
Many students accept high-interest NBFC loans or foreign US-Dollar denominated loans in a hurry to meet visa deadlines. We refinance these liabilities into Indian sovereign banks at 8.40%–9.25%, saving lakhs in interest.
Under visa pressure, many students sign expensive fintech or private NBFC agreements charging 13% to 15.5% interest or dollar-denominated loans vulnerable to rupee depreciation. Choosing a sovereign public bank loan through Sujan Singh Thakur protects your family's financial security.
Public sector banks (SBI, Bank of Baroda, PNB) offer true simple interest during the study moratorium, whereas NBFCs compound interest monthly, inflating your principal by 20% before you even graduate!
Borrowing in US Dollars or Euros exposes you to extreme foreign exchange risk. If the rupee falls, foreign loan EMIs surge. Rupee bank loans keep your liability predictable and manageable.
When you land your first corporate job abroad, public bank loans allow you to prepay in lump sums or foreclose completely with zero penalty charges!
10-Year Post-Moratorium Tenure • Monthly Installment: ₹ 61,040
Total Interest Extorted: ₹ 33,24,800 • Monthly compounding during study leaves massive debt hangover
10-Year Post-Moratorium Tenure • Monthly Installment: ₹ 49,920
Saves over ₹ 13,34,000 in direct interest and qualifies for full Section 80E tax deductions!
Education loans carry the most generous tax deduction under Indian tax law. Unlike home loans which have fixed caps, Section 80E has NO upper monetary limit on interest deductions!
Claim 100% of the interest component repaid every financial year as a direct deduction from your taxable gross income without any ceiling cap!
The deduction is available starting from the year repayment commences and for the following 7 consecutive assessment years (total 8 years) or until interest is cleared.
Either the earning student (once employed) or the parent/guardian who services the education loan EMI can claim the Section 80E tax deduction, saving up to 30% in tax brackets.
Sujan Singh Thakur coordinates directly with senior education credit committees to negotiate fast visa financial documents, minimal margin money, and waiver of inspection charges.
| Partner Bank | Flagship Education Scheme | Max Loan Quantum | Repayment Tenure | Advisory Advantage |
|---|---|---|---|---|
| SBI State Bank of India | SBI Global Ed-vantage & Student Loan | Up to ₹1.50 Crores | Up to 15 Years | Lowest sovereign rates (EBLR linked); 0.50% girl concession; pre-visa sanction letters accepted globally |
| BOB Bank of Baroda | Baroda Scholar & Baroda Vidya | Up to ₹1.25 Crores | Up to 15 Years | Premier institute list covers top 200 world universities with zero margin money and relaxed collateral norms |
| PNB Punjab National Bank | PNB Udaan & PNB Saraswati | Up to ₹1.00 Crore | Up to 15 Years | Fast processing under Vidya Lakshmi portal; subsidized interest during moratorium for eligible income slabs |
| HDFC HDFC Credila | Global Customized Student Loan | Up to ₹75 Lakhs - ₹1 Cr | Up to 12 - 14 Years | Fast 48-hour digital approvals; high acceptance for GRE/IELTS surrogates and non-collateral loan requirements |
| ICICI ICICI Bank | iSmart Education Loans Suite | Up to ₹1.00 Crore | Up to 12 Years | Instant pre-admission sanction; digital remittance directly to US/UK university wire accounts with preferential FX rates |
| AXIS Axis Bank | Axis Education Prime & Abroad | Up to ₹75 Lakhs | Up to 15 Years | High unsecured limits up to ₹50 Lakhs for STEM courses in US and Canada with nil multi-party friction |
Student visa appointments are time-critical. We expedite your file through institutional underwriting to meet US Embassy I-20, UK CAS, and Canada GIC deadlines.
We audit your university offer letter (I-20, CAS, LoA), compute 100% of tuition and living expenses, and assess parent co-borrower profiles.
We align your country, degree program, and collateral status to the bank offering the lowest margin and maximum girl-child interest discounts.
Receipt of formal bank sanction letter and official Financial Solvency Certificate required for your student visa interview appointment.
Direct international wire transfer (Flywire, Convera) to the foreign university for tuition, and credit to student Forex Card for living costs.
Enjoy your studies! Full principal moratorium remains active throughout the course duration + 6 to 12 months grace period until you get hired.
Avoid university fee deadlines and visa delays. Pre-audit your academic test scores and co-borrower finances with ex-bankers for same-week approval.
Students, Parents, Guardians & Legal Co-Borrowers
Indian national with admission to recognized UGC/AICTE/Foreign University via entrance exam (JEE, CAT, NEET) or merit (GRE, GMAT, IELTS, TOEFL).
Parent, spouse, or sibling acts as co-applicant. Co-borrower must possess stable salaried or self-employed income with regular ITR filings.
Co-borrower CIBIL score of 700+ qualifies for instant approvals. Special surrogate programs available for scores from 650+.
Graduation, Post-Graduation, Master's, Ph.D., Commercial Pilot License (CPL), and Certified STEM Professional diplomas.
Collected smoothly at your residence or digital upload
10th, 12th, Degree Marksheets, GRE/GMAT/IELTS/TOEFL scorecard, and University Admission Offer Letter / I-20 / CAS.
Official course brochure with fee breakup (Tuition + Living + Campus dues) and estimated foreign exchange cost.
Student Passport (mandatory for abroad), PAN Cards, Aadhaar Cards, and passport-size photographs.
Latest 3 months salary slips, 2 years Form 16 / ITRs with Computation, and latest 6 months primary bank statement.
Consult Sujan Singh Thakur for 100% unbiased multi-bank comparison & same-week priority sanctioning.
