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Real rates from banks and fintechs. Compared side by side, no affiliate bias.

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Canara Bank Vidya Turant Education Loan

Provider
Canara Bank
Min APR %
7.25%
Max APR %
10.1%
Min Amount
INR 100,000
Max Amount
INR 10,000,000
Min Term (months)
12 months
Max Term (months)
180 months
Approval Time
5-10 business days
Requirements
Indian national, Admission to recognised institution, Parent/guardian as co-borrower, Collateral for Vidya Sagar scheme (above ₹7.5 lakh)
Type
Student
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PNB Saraswati Education Loan

Provider
Punjab National Bank
Min APR %
6.85%
Max APR %
11.6%
Min Amount
INR 100,000
Max Amount
INR 5,000,000
Min Term (months)
12 months
Max Term (months)
180 months
Approval Time
7-14 business days
Requirements
Resident Indian, Admission through entrance test or merit-based selection, Parent/guardian as joint borrower, Collateral for loans above ₹7.5 lakh
Type
Student
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Kotak Mahindra Bank Personal Loan

Provider
Kotak Mahindra Bank
Min APR %
10.25%
Max APR %
24%
Min Amount
INR 50,000
Max Amount
INR 4,000,000
Min Term (months)
12 months
Max Term (months)
60 months
Approval Time
Same day
Requirements
Indian citizen, Age 21-60, Salaried with ₹25,000+/month or self-employed
Type
Personal
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ICICI Bank Education Loan

Provider
ICICI Bank
Min APR %
8.5%
Max APR %
13%
Min Amount
INR 100,000
Max Amount
INR 30,000,000
Min Term (months)
12 months
Max Term (months)
144 months
Approval Time
3-7 business days
Requirements
Indian national, Admission to recognised institution in India or abroad, Co-applicant required, Collateral for loans above ₹20 lakh (non-premier institutes)
Type
Student
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Bank of Baroda Baroda Gyan Education Loan

Provider
Bank of Baroda
Min APR %
6.85%
Max APR %
11.25%
Min Amount
INR 100,000
Max Amount
INR 10,000,000
Min Term (months)
12 months
Max Term (months)
180 months
Approval Time
7-10 business days
Requirements
Indian citizen, Admission to recognised institution, Parent/guardian as co-borrower, Collateral for loans above ₹7.5 lakh under Baroda Gyan
Type
Student
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Axis Bank Education Loan

Provider
Axis Bank
Min APR %
6.9%
Max APR %
13.5%
Min Amount
INR 50,000
Max Amount
INR 7,500,000
Min Term (months)
12 months
Max Term (months)
180 months
Approval Time
5-7 business days
Requirements
Indian national, Admission to recognised institution in India or abroad, Parent/guardian as co-applicant, Collateral or LIC policy for loans above ₹7.5 lakh
Type
Student
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SBI Student Loan Scheme

Provider
State Bank of India
Min APR %
6.9%
Max APR %
9.9%
Min Amount
INR 100,000
Max Amount
INR 5,000,000
Min Term (months)
12 months
Max Term (months)
180 months
Approval Time
15 business days
Requirements
Indian national, Admission to recognised institution in India or abroad, Parent/guardian as co-borrower, Collateral for loans above ₹7.5 lakh
Type
Student
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