Education Loan

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Yashika Financial Services Overview

Invest in Your Future

Affordable education loans for students aspiring for higher education

What is an Education Loan?

Education loans empower students to pursue their academic dreams in India or overseas by covering tuition fees, accommodation, books, and living expenses. With competitive interest rates, flexible moratorium periods, convenient repayment structures, and valuable tax benefits, our education loan solutions ensure that financial constraints never stand between talented students and their educational aspirations.

Loan Amount: ₹50,000 - ₹1 Crore
Interest Rate: From 9% p.a.
Tenure: Up to 15 years
Processing: Within 7 days

Perfect For

UG/PG Courses
Professional
Study Abroad
Skill Courses
MBA/MS
Medical
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Yashika Financial Services Why Choose Us

Best Education Loan Provider

Supporting students in achieving their dreams

01

100% Financing

Cover complete education expenses including tuition and living costs.

02

Study Anywhere

Loans for education in India and abroad at top universities.

03

Moratorium Period

Repayment starts only after course completion or job.

04

Tax Benefits

Interest paid is tax deductible under Section 80E.

05

Co-borrower Allowed

Parents or guardians can be co-applicants.

06

Long Tenure

Repayment period up to 15 years for easy EMIs.

Yashika Financial Services Quick Application

Apply for Education Loan

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Yashika Financial Services Eligibility

Education Loan Eligibility Criteria

Student Eligibility

Citizenship

Indian citizen

Admission

Confirmed admission in recognized institute

Academic Record

Good academic performance

Age

Typically 16-35 years

Co-borrower Requirements

Co-applicant

Parent or guardian as co-borrower

Income

Stable income of co-borrower required

Credit Score

Good credit history of co-borrower

Collateral

May be required for loans above ₹7.5 lakhs

Yashika Financial Services Documentation

Documents Required for Education Loan

Keep these documents ready for quick loan processing

Identity Proof

Aadhaar / PAN / Passport of student & co-borrower

Admission Letter

Admission confirmation from institute

Fee Structure

Detailed fee breakup from institution

Academic Records

Mark sheets, certificates of previous exams

Income Proof

Salary slips / ITR of co-borrower

Bank Statement

Last 6 months statements of co-borrower

Yashika Financial Services Features & Benefits

Education Loan Advantages

01

Complete Coverage

Covers tuition, living, travel, all expenses

02

Moratorium Period

No EMI during study period

03

Tax Benefits

Interest deduction under Section 80E

04

Low Interest

Starting from 9% p.a.

05

Flexible Tenure

Up to 15 years repayment period

06

Study Abroad

Loans for international education

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Yashika Financial Services Student Success Stories

What Students & Parents Say

Real experiences from students who achieved their education goals

"Secured ₹25 lakh education loan for my MBA in UK. Ketan sir personally guided us through the entire process. Forever grateful!"

Aditya Kulkarni

MBA Student, London

"As a parent, I was worried about funding my daughter's engineering degree. Yashika Financial Services made it hassle-free with excellent terms."

Suresh Menon

Parent, Thane

"Got loan for my medical studies covering tuition and living expenses. The moratorium period helped me focus on studies without repayment stress."

Nisha Reddy

MBBS Student, Bangalore

Ready to Pursue Your Education Dreams?

Apply now and get your education loan approved quickly

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Yashika Financial Services Education Loan FAQs

Got Questions?
We Have Answers

Find answers to commonly asked questions about education loans.

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What expenses are covered in an education loan?

Education loans cover tuition fees, hostel fees, exam fees, library charges, travel expenses, purchase of books, laptop/equipment, and other course-related expenses. For foreign education, forex expenses and travel costs are also covered.

What is the moratorium period?

Moratorium period is the time during which you don't have to pay EMIs. It typically covers the course duration plus 6 months to 1 year after course completion or getting a job, whichever is earlier.

Is collateral mandatory for education loans?

For loans up to ₹7.5 lakhs, collateral is usually not required. For higher amounts, collateral in the form of property, fixed deposits, or liquid securities may be needed depending on the lender and loan amount.

Can I get a loan for studying abroad?

Yes, we offer education loans for studying abroad at recognized universities. The loan covers tuition, living expenses, travel, and other costs. We have tie-ups with institutions worldwide to facilitate the process.

Who can be a co-borrower for education loan?

Typically, parents or legal guardians can be co-borrowers. In some cases, spouse (if student is married) or sibling can also be co-borrowers. The co-borrower should have a stable income and good credit history.