Education Loan
Structured funding for future success.
- Loan amountUp to ₹1.5 Cr
- MoratoriumCourse + 6 months
- TenureUp to 15 years
About this product
Why clients choose Viva Capital for EL.
Education loans for graduate, post-graduate, and professional courses in India and abroad. Moratoriums during the course and tax benefits under Section 80E.
What we offer
Key features
- Covers tuition, living, travel, and equipment
- Moratorium period — pay only after course ends
- Section 80E tax deduction on interest
- Collateral-free up to ₹40 Lakh (premier institutes)
Who can apply
Basic eligibility
- Indian student admitted to recognised course
- Co-applicant: parent / spouse / sibling
- Course must be approved by relevant authority
Keep ready
Documents required
- Admission letter from institute
- Course fee structure
- KYC of student + co-applicant
- Co-applicant income proof
A working promise
“A senior advisor reads your file, picks the lender most likely to approve it, and stays with the case until disbursal — even when the first bank says no.”
Our Process
From first conversation —
to disbursal and beyond.
A guided four-step process built around clarity and speed. No opaque hand-offs, no junior routing — one senior advisor walks the case through.
- 01
Profile Review
Tell us your goal. A senior advisor reads your file end-to-end and identifies the right route.
- 02
Bank Matchmaking
We compare offers across 40+ lenders and pick the one most likely to approve your profile, at the best rate.
- 03
Documentation
We simplify the paperwork and structure it the way underwriters can underwrite — no guesswork.
- 04
Sanction & Support
Funds in your account — and continued assistance after disbursal. We stay with the case.
Trusted by Leading Banks & NBFCs
