Guiding Today, Empowering Tomorrow

Education Loan, For Bright Futures.

A simple, student-friendly journey from exploring education finance to submitting a consent-based lead to a suitable lending partner. Understand options, compare transparently, and check realistic eligibility.

Check Loan Eligibility Compare Lenders

Loans up to ₹7.5 Lakhs* Course + 1 Year Moratorium 100% Consent-Based

100% Consent

From 8.15% p.a.

Verified Oct 2026 RBI & CSIS Guidelines

Competitive Rates Starting from 8.15% p.a.

Zero Hidden Processing Disclosed fees & moratorium grace

No Upfront KYC Spam 5–7 simple questions first

Step-by-Step Clarity

A Guided Helper, Not a Long Bank Form.

Designed as an intuitive progress wizard. We reuse your verified student profile data, collect only what is necessary, and never demand PAN, Aadhaar or bank statements on the first screen.

View 8-Step Journey EMI Calculator

Progressive Disclosure Save Drafts & Complete Later Live Reference ID Tracking

100% Consent

From 8.15% p.a.

Student-First UX Zero Friction

5–7 Essential Details Course, Cost, Funding Gap

Explicit Consent Only No pre-ticked consent checkboxes

Verified Lender Routing Sanction handled by authorized lenders

India & Global Campuses

Fund Your Ambition Anywhere in the World.

From engineering, management, medical degrees in India to master's degrees across the US, UK, Canada, Australia and Germany. Understand tuition, hostel and living cost coverages.

View Partner Schemes

Up to ₹1.5 Cr for Abroad 100% Tuition + Living Costs Pre-Visa Sanctions

100% Consent

From 8.15% p.a.

Abroad & Domestic Flexible Packages

National Banks Comming Soon...

Specialist Education NBFCs Comming Soon...

Govt Interest Subsidies CSIS 100% interest waiver on study

Core Values

Built on 6 Student Principles

Education loans represent life-changing family milestones. We hold ourselves to uncompromising standards of transparency and trust.

1. Easy First Step

Start with 5–7 simple questions. Never ask for PAN, Aadhaar, bank statements, or document uploads on the initial screen.

2. Explain Before Asking

Tell the student clearly why each detail is requested, how it impacts loan matching, and who will receive it.

3. Compare Transparently

Display lender interest rates, processing charges, moratorium, and collateral terms date-stamped and verified.

4. Student Stays in Control

No lead is ever shared with a bank or partner before you give clear, specific, unbundled consent.

5. One Profile, Progressive Form

Reuse information already saved in your Student Mitraa profile; ask only for missing education loan specifics.

6. No False Promises

We provide neutral guidance and lead routing. Final eligibility, underwriting terms, and sanctions are determined by the lender.

Roadmap

The 8-Step Student Journey

Keep it simple. Tap any step below to see how our progressive workflow protects your privacy and guides you to funding.

Open Education Loan

Student taps the dashboard tile or course CTA.

Tell us your study plan

Course, institution, location, start year & estimated cost.

Tell us what funding you need

Amount, personal contribution, and co-applicant.

See suitable options

Lender schemes matching your criteria with confirmed terms.

Choose lender / request callback

Select partner or ask Student Mitraa counsellor to assist.

Consent + secure details

Review exact fields shared with chosen partner.

Lead sent + tracking

Reference number, partner name, expected step and status.

Partner completes application

Bank/lender contacts student for approved formal review.

Step 01: Open Education Loan

Start with confidence through a clear tile or course CTA. No paperwork or banking jargon required upfront.

Guided Helper

Education Loan Eligibility Assistant

Answer 5–7 quick questions to see likely lender matches and generate an official enquiry reference ID.

Step 1 of 4

Study Plan & Institution

Course / Programme * Degree, diploma or specialization

Study Location *

College / Institution I have not finalised my college yet (Show generic lender eligibility)

Course Start Year / Intake *

Admission Status

Approximate Loan Amount Required *

Estimated Total Course Cost (₹) Accept reasonable estimate

Co-Applicant / Guardian Availability * No detailed salary slips asked at this stage

Student Full Name *

Mobile Number (for OTP & verification) *

Email Address

Preferred Contact Time & Route

Enquiry Successfully Prepared!

Your consent-based loan enquiry has been assigned a secure Student Mitraa reference code.

XX-XX-2026-8492

Status: Consent recorded • Ready for verified lender routing • No upfront document uploads demanded.

Track Live Status

Transparent Math

Live Loan EMI & Moratorium Calculator

Estimate your monthly repayment installment after course completion and grace period.

Loan Principal Required ₹7,50,000

Estimated Annual Interest Rate 8.50% p.a.

Repayment Tenure (Years) 10 Years

Moratorium Grace Period (After Course) 12 Months

Estimated Monthly EMI ₹9,307

Payable during repayment tenure

Principal Loan: ₹7,50,000

Total Interest Payable: ₹3,66,840

Total Repayment Amount: ₹11,16,840

Lifecycle Tracking

Real-Time Lead Status Tracker

Enter your enquiry reference ID to track your status, assigned partner, and approved next step.

Enquiry Submitted

Consent Verified

Sent to Partner

In Discussion

Docs Requested

Sanctioned

Privacy & Trust Mandate

Data Minimisation & Student Safety

Education loan enquiries involve sensitive academic and financial plans. We operate with strict zero-spam, role-based protection.

Data Minimisation

Collect only what is needed for the selected step. Never demand PAN, Aadhaar or bank statements during initial enquiry.

Specific Unbundled Consent

Before sending any lead, clearly name the lender and describe data fields. Absolutely zero pre-ticked consent checkboxes.

Authenticated Uploads

Encrypted document channels with strict MIME validation. Never ask students to share tax returns over informal chat.

Access Control & Masking

Role-based permissions for support staff; sensitive applicant identifiers are masked by default across panels.

Help Center

Frequently Asked Questions

Clear answers to help you navigate interest subsidies, collateral rules, and lender verification.

Yes. Under the Credit Guarantee Fund Scheme for Education Loans (CGFSEL) backed by the Government of India, public sector and scheduled banks offer collateral-free loans up to ₹7.5 Lakhs. Selected premier institutions (IITs, IIMs, NITs) qualify for collateral-free loans up to ₹20L–₹50L.

CSIS provides full 100% interest subsidy during the moratorium period (course duration + 1 year) for economically weaker students (annual gross family income up to ₹4.5 Lakhs) pursuing recognized professional or technical courses in India.

Approved loans cover college tuition fees, examination and library charges, hostel / mess expenses or reasonable PG accommodation, essential books, laptop/computer, and travel/passage expenses for overseas courses.

You can still explore loan options and obtain an "In-Principle Sanction" or Pre-Visa Sanction letter from participating lenders. This helps confirm your funding feasibility before paying college confirmation deposits.

No. Student Mitraa is a transparent discovery and consent-based lead routing platform. We never guarantee approval, collateral waivers, or specific rates. Final credit evaluation, underwriting, and sanctions are determined solely by the lender.