• Undergraduate education loans : These loans are given to students who wish to pursue their undergraduate or bachelor's degree abroad or inland
• Career Education loan : Career education loans can be availed by students who wish to attend undergraduate career oriented programs at trading and technical schools and colleges
• Graduate loans : Many students go for a post-graduate degree or a professional course instead of doing a job or along with doing a job after graduation.

• No end-usage restriction

• Interest rate starting from 12.36% per annum

• Repayment tenure of up to 4 years, which may exceed on case to case basis

• Personal loans are available for periods as short as 12 months. The average tenure for a Personal Loan is between 12 and 45 months, depending on the loan amount.

• Minimal documentation

• When there is a cash crunch

• Paying for a holiday

• Debt consolidation from other loans or credit cards

• Buying high-end electronic gadgets, household appliances, wedding expenses, emergency medical expenses, home renovations, etc.

• Creating high value purchases

Have an initial discussion about your loan requirements, financial situation, and preferred loan terms.

• Gather necessary documents such as identity proof, address proof, income proof, bank statements, and employment details.

• your eligibility based on the documents provided and your credit score.

• They may offer a pre-qualification service to give you an idea of the loan amount you might be eligible for.

• Enter the details in the application form and submit

• They will verify all documents to ensure there are no errors or discrepancies.

• You can apply for a personal loan online, with a bank, or any financial institution.

• The official website of most of the banks and NBFCs have the facility to apply for a personal loan with a single click.

• Your personal loan eligibility is decided based on various factors like your credit score, income, age, employment type, and a few other factors.

• If the financial institution feels that your eligibility criteria are favorable, they will approve your personal loan and disburse the amount into your account.

• Now, the personal loan amount could be disbursed as cash into your account or the lender may provide you with a pre-loaded card that can be used for your purchases.