Education Loan

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EDUCATION LOANS

Studying abroad is a major investment in your future, and education loans make this journey financially achievable. At SDS Overseas Consultancy, we guide students in securing the right education loan based on their academic profile, destination country, and course requirements.

  • Education loans fall under the Priority Sector Lending category as per the Reserve Bank of India (RBI), ensuring better access and competitive interest rates.
  • Students pursuing overseas education can avail tax benefits under Section 80(E) of the Income Tax Act, 1961. Key conditions include:
    • a. Loan must be taken from an approved financial institution
    • b. Course must be a full-time graduate or postgraduate program
    • c. Tax deduction on interest is allowed for up to 8 consecutive years
  • Education loans generally cover the following expenses:
    • a. Tuition and institutional fees
    • b. Hostel and accommodation charges
    • c. Examination, library & laboratory fees
    • d. Books, laptops, equipment & study materials
    • e. Refundable caution deposits
    • f. Travel expenses to the host country
  • Most banks offer a flexible repayment tenure ranging between 7 to 12 years, allowing students to repay comfortably after course completion.
  • Eligible students can avail education loans ranging from ₹20 Lakhs to ₹40 Lakhs or more, depending on the university, country, and financial profile.

Available Banks

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Contact SDS Overseas Consultancy

Planning to study or settle abroad? Speak with our expert counsellors for personalized guidance. From admissions to visas – we handle everything for you.

  • Study Abroad Admissions – USA, UK, Canada, Australia
  • Student Visa & Immigration Assistance
  • Scholarships & Financial Guidance
  • IELTS / PTE / TOEFL Coaching Support
  • End-to-End Support till Visa Approval

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