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Education Loan
At KriShiv In.Tech Private Limited, we believe education is the key to a brighter future.
Empower Your Dreams with Affordable Education Financing
Since 2004, we’ve been helping students and families across Gujarat achieve their academic goals with our tailored Education Loan solutions. Whether you’re pursuing higher education in India or abroad, our Secured and Unsecured Education Loans offer flexible financing to cover tuition, living expenses, and more. With competitive rates, transparent processes, and a customer-first approach, we’re here to make your educational journey seamless and stress-free.
Our Education Loan Offerings
Our Education Loans are designed to support students at every stage of their academic journey, from undergraduate programs to professional courses and international studies. Partnering with leading banks and NBFCs, we provide customized loan options to meet your unique needs.
1. Secured Education Loans
Our Secured Education Loans allow you to leverage property or other assets to secure funding for your education, offering higher loan amounts and lower interest rates.
Key Features
- Loan amounts up to ₹1.5 crore or higher, based on collateral value.
- Competitive interest rates starting at 8.00% p.a.*
- Flexible repayment tenures up to 15 years, including a moratorium period during the course.
- Covers tuition fees, accommodation, books, travel, and other education-related expenses.
- Transparent collateral valuation and quick disbursal.
Ideal For
Students pursuing expensive courses (e.g., MBBS, MBA, or international studies) who can provide collateral like residential or commercial property.
Eligibility
Applicants must own or co-own a property acceptable as collateral, with a stable repayment capacity post-course completion.
2. Unsecured Education Loans
Our Unsecured Education Loans provide financing without the need for collateral, making them accessible for students and families seeking quick and flexible funding.
Key Features
- Loan amounts up to ₹75 lakh, subject to eligibility and course type.
- Attractive interest rates starting at 9.50% p.a.*
- Repayment tenures up to 12 years, with a moratorium period during the course.
- Covers 100% of education costs, including tuition, living expenses, and equipment.
- Fast approval with minimal documentation for eligible courses and institutions.
Ideal For
Students pursuing undergraduate, postgraduate, or professional courses in India or abroad, without access to collateral.
Eligibility
Strong academic background, admission to a recognized institution, and a co-applicant with stable income.
Key Benefits of Our Education Loans
Comprehensive Coverage
Fund tuition fees, hostel expenses, travel, books, laptops, and other education-related costs.
Flexible Repayment Options
Enjoy a moratorium period during the course and up to 6-12 months post-completion, with extended repayment tenures for affordability.
Tax Benefits
Avail tax deductions on interest paid under Section 80E of the Income Tax Act, 1961.
Support for Diverse Courses
Finance undergraduate, postgraduate, vocational, and professional courses in India or abroad.
Quick Processing
Our tech-enabled systems ensure fast approvals, often within 5-7 working days* for eligible applications.
Customized Solutions
Tailored loan structures based on your course, institution, and financial profile.
Why Choose KriShiv In.Tech for Education Loans?
With over 20 years of expertise in Gujarat’s financial sector, KriShiv In.Tech Private Limited is your trusted partner for education financing. Here’s what sets us apart:
Expert Guidance
Our experienced team helps you choose the right loan product, whether secured or unsecured, based on your needs and eligibility.
Technology-Driven Efficiency
Our advanced CRM and DMS systems ensure seamless application processing, loan tracking, and disbursal.
Our experienced team helps you choose the right loan product, whether secured or unsecured, based on your needs and eligibility.
Trusted Financial Partnerships
We collaborate with leading banks and NBFCs to offer competitive loan products with transparent terms.
Customer-Centric Service
Our clients across Ahmedabad praise our prompt, courteous, and transparent approach, as seen in our testimonials.
End-to-End Support
From application to repayment, we provide comprehensive assistance, including guidance on course selection and documentation.
Who Should Opt for Our Education Loans?
Our Education Loans are ideal for:
- Students pursuing higher education in India or abroad, including undergraduate, postgraduate, or professional courses.
- Parents or guardians seeking to fund their child’s education without straining their savings.
- Individuals looking to finance vocational or skill-based courses for career advancement.
- Applicants with or without collateral, depending on the loan type (Secured or Unsecured).
- NRIs or Indian residents aiming for top-tier institutions with high tuition costs.
How It Works
Our Unsecured Education Loans provide financing without the need for collateral, making them accessible for students and families seeking quick and flexible funding.
Connect with Us
Reach out via email at info@krishivintech.com or fill out our “Get Quote” form to discuss your education loan needs.
Personalized Loan Selection
Our experts assess your academic profile, course details, and financial situation to recommend the best loan option.
Seamless Application Process
Apply online or offline with minimal documentation, supported by our tech-enabled systems.
Fast Approval and Disbursal
Apply online or offline with minimal documentation, supported by our tech-enabled systems.
Ongoing Support
Track your loan, manage repayments, and access dedicated support through our customer portal or team.
