Education Loan

Invest in a brighter academic future

Study in India or abroad with a structured education loan that can cover tuition, hostel, books and travel. AV works with the student and a parent or guardian as co-applicant, including a moratorium so repayment starts after the course — in line with our promise to plan today for a brighter tomorrow.

Why choose our education loans?

Complete coverage

Tuition, accommodation, books, travel and other approved study costs.

Affordable rates

Competitive education-loan pricing for India and overseas courses.

Long repayment

Tenures typically from 5 to 15 years after the moratorium.

Moratorium period

Start EMIs after course completion, plus a grace window as per lender.

India and abroad

Recognised universities and professional programmes at home or overseas.

Eligibility criteria

Student admitted to a recognised institution
Co-applicant: parent or guardian with stable income
Typical student age band: 16 to 35 years
Course and university acceptable to the lender

Documents required

Student identity proof: Aadhaar, passport or PAN
Address proof: utility bill, rental agreement or Aadhaar
Admission letter and fee structure from the institution
Co-applicant income proof: salary slips, ITRs or bank statements

How it works

Apply online

Share course, college, country and fee estimate.

Approval process

We review admission papers and co-applicant income.

Disbursement

Fees are paid to the institution in stages as required.

FAQs

A loan to fund higher studies in India or abroad, usually with a parent as co-applicant.

Tuition, hostel, books, exam fees, travel and other education-related costs approved by the lender.

After the course and a moratorium (often up to one year after completion), unless you choose to pay earlier.

Interest on an education loan may be deductible under Section 80E, as per current tax law.

Usually 5 to 15 years including the moratorium, depending on the amount and lender.