Education Loan – Fuel Your Dreams with Capital Need
At Capital Need, we understand that higher education opens doors to endless opportunities. Whether you want to pursue studies in India or abroad, our education loan solutions are designed to cover every financial requirement so that you can focus on achieving your goals.
Why Choose Capital Need Education Loan?
Loan amount up to ₹3 Crore (for international studies) and up to ₹2 Crore (for studies in India).
Collateral-free loans available up to ₹1 Crore.
Covers 100% of education cost including tuition, living expenses, travel, books, laptops, exam fees and more.
Flexible repayment with tenure up to 15 years.
Grace period / moratorium during your study years + 6–12 months after course completion before EMIs begin.
Fast disbursal and completely digital application process.
No foreclosure or prepayment charges (in most cases).
Multiple repayment options – pay only interest during study or choose customized EMI structures.
What Expenses are Covered?
Your Capital Need Education Loan ensures holistic coverage:
| Tuition and admission fees | Examination, library, and laboratory charges |
| Hostel, mess, and accommodation expenses | Travel and airfare (for overseas studies) |
| Books, equipment, computers, uniforms and stationery | Project work, study tours and other course-related costs |
Education Loan Eligibility Criteria
Applicant must be an Indian citizen with a confirmed admission in a recognised institute (India or abroad).
Age
Minimum age 16 years, maximum 35 years (at the time of loan application).
Income
Co-applicant (parent/guardian/spouse) with stable income is generally required.
Institute
Educational institute should be recognized by UGC/AICTE/approved foreign universities.
Note: The eligibility mentioned above list is indicative. Additional eligibility criteria may be required during loan processing by Capitalneed.com.
Documents Required
To make the process smooth, keep these ready:
- Student’s KYC documents (Aadhaar, PAN, Passport etc.)
- Academic records (mark sheets, certificates, entrance scores)
- Admission / offer letter from the institute
- Co-applicant’s KYC + income proof (salary slips, ITR, bank statements)
- Collateral documents (only if required)
- For overseas studies: Passport, Visa, travel documents
- Repayment Made Easy
- Flexible tenure: up to 15 years
- Grace period: Course duration + additional 6–12 months
Note: The above-mentioned loan documents list is indicative. Additional documents may be required during loan processing.
Repayment options:
Pay only simple interest during study years
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EMI holiday till course completion
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Customized EMI plans based on future earning potential
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No hidden charges – transparent structure with easy prepayment options
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Key Benefits of Capital Need Education Loan
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Up to ₹3 Crore loan sanction
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Collateral-free loan options available
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Complete education cost coverage
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Digital application & fast approval
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Tax benefits on interest paid under Section 80E of the Income Tax Act
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Dedicated loan advisors to assist you at every step
How to Apply?
Check your eligibility with Capital Need in just a few minutes.
- Submit basic details & documents online.
- Get instant approval and choose your preferred repayment plan.
- Funds disbursed directly to the institute or as required.
On successful verification, the loan amount will be transferred to your bank account instantly.
Why Capital Need?
Single platform access to multiple lenders – without you having to run around bank.
- Personalized solutions whether you’re going abroad or studying in India.
- Faster approvals and simplified journey – from application to disbursement.
- Expert team to guide you through documentation, eligibility, and repayment options.
Start your journey today. With Capital Need Education Loan, your dream degree is just one step away.
