एक्सिस बैंक शिक्षा ऋण
Axis Bank's education loan offering up to ₹75 Lakh collateral-free for premier colleges and up to ₹2 Crore with collateral for study abroad.
📋पात्रता मानदंड एवं मार्जिन मनी (Eligibility & Margin Rules)
पात्रता की शर्तें
Indian citizen with minimum 50% marks in 10th/12th/Graduation and confirmed admission in recognized higher education institution in India or abroad.
मार्जिन मनी आवश्यकता
Nil for premier listed institutes; 5% to 15% for other colleges.
जमानत / कोलेटरल आवश्यकता (Collateral Requirement)
Nil collateral up to ₹75 Lakh for Prime list colleges; Tangible property or financial assets for non-listed institutions or loans above ₹75 Lakh.
विशेष सरकारी ब्याज सब्सिडी (CSIS / सरकारी लाभ)
Non-government product; not eligible for CSIS or PM-Vidyalaxmi central interest subsidies.
📂खर्चे एवं आवश्यक दस्तावेज (Expenses Covered & Documents)
कवर किए जाने वाले शैक्षणिक खर्चे
Tuition, hostel, accommodation, air travel, laptop, and living expenses.
आवेदन हेतु आवश्यक दस्तावेज
Axis Bank application form, PAN & Aadhaar of applicant and co-applicant, admission letter, fee structure, 3-month salary slips / Form 16, 6-month bank statement.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Caveats)
Processing fee of up to 1.00% + GST applies; interest during moratorium is compounded unless serviced monthly; parent/spouse/co-borrower must have minimum CIBIL score of 700; unsecured loans up to ₹75L restricted strictly to Axis Prime institute roster.
🚀आवेदन प्रक्रिया (Official Application Process)
1. Apply online on axisbank.com. 2. Instant in-principle sanction generation. 3. Document verification by Axis Bank home branch. 4. Sanction letter issued. 5. Disbursal directly to institute.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What is the maximum unsecured loan amount from Axis Bank?
Up to ₹75 Lakh without collateral for select premier domestic and international universities listed under Axis Bank's Prime category.
Is pre-visa disbursement possible with Axis Bank?
Yes. Axis Bank provides disbursement prior to visa for countries like Germany (Blocked Account) and Canada (GIC).
Is there a prepayment penalty for Axis Bank education loans?
No prepayment penalty is levied on floating rate education loans for individuals.