Student Loan

Student is thinking of Loan for abroad study, realistic


1. The ISV Overseas Advantage (Why Choose Us for Your Loan?)

This section should emphasize the unique value you offer beyond a bank.

Feature Details to Include
Visa-Centric Financial Structuring The most crucial point: We understand that your loan documents are essential for your visa application. We structure your financial proof to meet the stringent requirements of Embassies (e.g., sufficient funds for one year's tuition and living expenses, correct format of sanction letter).
Partner Network We have established tie-ups with leading Public Sector Banks, Private Financial Institutions, and International Lenders (e.g., SBI, HDFC Credila, Axis Bank, Avanse Finance, and other banks) to offer you the best rates and options.
Collateral-Free & Secured Options Guidance on both Secured Loans (against property, FDs) for higher amounts and Collateral-Free Loans (unsecured) based on your academic profile and co-signer's income.
End-to-End Documentation Support We take the hassle out of paperwork. We assist with preparing the complete document checklist, liaising with the lender, and ensuring every paper is correctly formatted for the loan and the visa application.
Tax Benefits Consultation Expert advice on leveraging tax deductions on interest paid under Section 80E of the Income Tax Act.

 

2. Loan Coverage: What Can You Fund?

Detail what the education loan is designed to cover, showing it covers the full cost of studying abroad.

  • Tuition Fees: Covering the full cost for the entire course duration or per year.

  • Living Expenses: Including accommodation, food, utilities, and local transport.

  • Travel Costs: Airfare for the initial travel.

  • Study Materials: Books, equipment, computer/laptop as required by the course.

  • Mandatory Deposits: Caution deposits, building funds, and refundable fees (as per bank limits).

  • Health Insurance: Premiums for compulsory international student health cover.

 

3. Types of Loans We Help Facilitate

  • Secured Loans: Higher loan amounts (up to ₹ 3 Crores+) against immovable property, fixed deposits, or bonds. Ideal for highly ranked global universities.

  • Unsecured/Collateral-Free Loans: Based on the student's profile (GRE/GMAT scores, University ranking, academic record) and the co-applicant's income. Amounts typically up to ₹ 80 Lakhs or more depending on the lender.

  • International/Non-Cosigner Loans: Specific guidance for lenders that do not require an Indian co-signer or collateral, often based on future earning potential in the destination country.

A bright, optimistic image of a young student (diverse ethnicity, 20s) looking thoughtfully at a laptop screen, which displays abstract educational graphics (graphs, open book icons). In the background, subtly blurred, are iconic university buildings or a global map, representing international study. A subtle overlay or glow suggests financial support or a clear path. The overall feeling is one of clarity, hope, and access to education. Make a realistic

4. Key Features & Eligibility at a Glance

Use a simple table or bullet points for quick readability.

Feature Typical Details
Loan Amount Up to 100% of the cost of education (subject to collateral/profile).
Interest Rates Competitive rates starting from X.XX% (mention a starting range, and state they are subject to bank/profile).
Moratorium/Repayment Holiday Full repayment typically starts 6 to 12 months after course completion or upon getting a job, whichever is earlier.
Repayment Tenure Flexible terms, typically up to 10 to 15 years.
Quick Sanction Assistance to obtain a Pre-Admission/Conditional Sanction Letter (essential for your I-20/CAS/Visa application) within a defined timeframe.

 

5. Our 4-Step Loan Application Process

Simplify the process so it looks manageable for the student.

  1. Profile Assessment & Partner Matching: Our consultant evaluates your academic profile, co-applicant's financial standing, and the university/country. We then match you with the best 3-5 loan products from our partner network.

  2. Document Collection & Scrutiny: We provide a bespoke checklist and pre-vet all documents (KYC, academic, income, collateral) to ensure zero errors before submission.

  3. Application & Sanction Letter: We submit the application on your behalf and follow up with the lender to secure your Sanction Letter quickly.

  4. Visa & Disbursement Guidance: We use the Sanction Letter as part of your Student Visa Financial Proof. Upon visa approval, we guide you through the final Disbursement process directly to the university.

 

6. Call to Action (CTA)

  • "Book a FREE Loan Consultation"

  • "Check My Loan Eligibility Now"

  • "Request a Call Back from a Financial Expert"