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Education Loans

Plan, apply and track your education loan

Work out your EMI, see which documents you need, and apply online with a Ghosla loan advisor. Track every step of your request in your dashboard.

Apply in my dashboard Calculate EMI

Calculator is open to all · login required to apply

Freeguidance
5tracked steps
80Etax benefit on interest*

Education loan EMI calculator

Open to everyone — no login needed.

Education loan EMI calculator

This is an estimate. Actual rates depend on the lender, course, college and your profile. Interest during the study period (moratorium) is not included.

Your monthly EMI
₹0
● Principal● Interest
Principal
Total interest
Total amount payable
Apply for this loan
The loan match engine

How your request becomes a clear plan

Share a few details once. A Ghosla advisor uses them to check eligibility, compare lenders and plan an EMI you can manage.

How it works, simplified. The loan itself is given by a bank or finance company, not by Ghosla.

Documents you usually need

Student

  • Aadhaar and PAN card
  • Passport-size photos
  • Class 10 and 12 marksheets
  • Entrance exam scorecard (if any)

Admission

  • Admission / offer letter
  • Fee structure from the college
  • Proof of scholarships, if any

Co-applicant (parent)

  • ID and address proof
  • Last 6 months’ bank statements
  • Salary slips or ITR for 2 years
  • Collateral papers, for larger loans

In your dashboard you can tick off each document as you collect it, so you always know what is left.

Apply and track in 4 steps

Log in

Open Education loans in your dashboard. Your name and contact details are filled in for you.

Share details

Course, college, amount and co-applicant — once.

Talk to an advisor

We explain options, subsidies and what lenders look for, then help you apply.

Track it live

See each step — review, documents, lender and decision — in your dashboard.

Log in to apply for your loan

Anyone can use the calculator and checklist. Applying needs a free Ghosla ID, so your request, documents and status are private and saved to you.

Open to everyone
  • EMI calculator
  • Document checklist
  • Loan questions and answers
With your free Ghosla ID
  • Online loan application
  • Document tracker
  • Live status of your request
Apply for an education loan Register freeFree · takes 1 minute

Common questions

Do I need collateral?
Many lenders give smaller education loans without collateral; larger amounts usually need collateral or a guarantor. The limit differs between banks, so check with the lender.
When do I start repaying?
Most education loans have a moratorium — the course period plus a few months — before EMIs start. Interest may still add up during this time.
Are there tax benefits?
*In India, interest paid on an education loan may be deductible under Section 80E of the Income Tax Act for up to 8 years. Check with a tax advisor for your case.
Does Ghosla give loans?
No. Ghosla helps you plan, apply and track. The loan itself is given by a bank or finance company, and Ghosla shares your details only with the lenders you agree to.
Why do I need to log in to apply?
Loan requests include personal and family details. Logging in keeps them private to you and lets you track your request safely.