TATA Capital

Overview of Tata Capital Education Loan

Tata Capital offers education loan solutions for students pursuing higher education in India and abroad. Backed by the Tata Group, Tata Capital combines financial strength with a structured, transparent lending approach. Its education loans are designed to support a wide range of academic programs with flexible funding options and streamlined processing.

EduFi supports students throughout the loan journey by assessing eligibility, selecting the right Tata Capital loan structure, managing documentation, and coordinating with Tata Capital for timely approvals and disbursement.

What Is a Tata Capital Education Loan?

A Tata Capital Education Loan is a term loan provided to Indian students enrolled in full-time undergraduate, postgraduate, and professional courses at recognized institutions. These loans are structured to fund tuition and essential education-related expenses while allowing students to begin repayment only after completing their studies.

Tata Capital evaluates applications based on academic profile, institution reputation, course employability, and co-applicant financial strength, offering flexibility beyond traditional banking norms.

Why Tata Capital Is a Preferred Choice for Students

Tata Capital is preferred for its strong brand credibility, transparent loan terms, and efficient processing. Students benefit from flexible eligibility assessment, higher loan coverage for overseas education, and both secured and unsecured loan options.

The lender’s focus on structured documentation, digital processing, and customer-centric service makes it suitable for students seeking predictable timelines and clear loan terms.

Tata Capital Education Loan Schemes

Tata Capital Education Loan (India & Abroad)

This primary loan offering supports students studying in India as well as overseas. Loan amounts are structured based on total education cost, institution ranking, and student profile. Tata Capital actively funds programs such as MS, MBA, engineering, medicine, and other professional courses.

Unsecured Education Loans

Tata Capital offers unsecured education loans for eligible students admitted to reputed institutions. These loans are sanctioned based on academic merit, course employability, and co-applicant income strength, without requiring tangible collateral.

Secured Education Loans

For higher funding needs, Tata Capital provides secured education loans backed by residential or commercial property, fixed deposits, or other approved securities. Secured loans generally offer higher limits and more competitive interest terms.

Loan Amount & Coverage

Maximum Loan Amounts and Limits

Tata Capital education loans can extend up to ₹1.5 crore or more, depending on the course, country of study, and collateral availability. Secured loans do not have a strict upper cap, making them suitable for high-cost international education.

What Expenses Are Covered

Loans cover tuition fees, accommodation, books, equipment, travel expenses, insurance, and other study-related costs. Living expenses for overseas education are included as part of the total cost of education.

Interest Rates & Repayment Terms

Current Tata Capital Interest Rates (as of 2025)

Interest rates for Tata Capital education loans typically range between 10.75% and 13.75% per annum, depending on whether the loan is secured or unsecured, the institution, course, and applicant profile. Rates are floating and subject to periodic revision.

Repayment Options and Tenure

Tata Capital offers repayment tenures of up to 15 years, providing flexibility in EMI planning after course completion. Repayment structures may be aligned with expected post-study income.

Moratorium and EMI Details

The moratorium period usually includes the course duration plus an additional 6–12 months. During this period, interest may accrue. EMIs begin after the moratorium on a reducing balance basis.

Eligibility Criteria

Student Eligibility Requirements

Applicants must be Indian nationals with confirmed admission to recognized institutions in India or abroad. Academic performance, course relevance, and institution reputation are key eligibility parameters.

Co-applicant Requirements

A co-applicant is mandatory. Parents, guardians, or spouses with stable income sources are accepted. The co-applicant’s income profile and credit history significantly influence loan approval.

Course Types and Countries Covered

Tata Capital supports engineering, management, medicine, law, analytics, finance, and STEM-focused programs across the