TATA Capital Education Loan 2025

Financing higher education can be a major challenge for students and families, especially when pursuing studies abroad or at premium institutions. Education loans provide a practical solution, bridging the gap between aspirations and affordability. The TATA Capital Education Loan 2025 is designed to help students manage tuition fees, living expenses, and other academic costs while focusing on their studies. Understanding the key features, eligibility criteria, and application process can help students make informed decisions and plan their academic journey with confidence. 

TATA Capital Education Loan Details

TATA Capital Education Loan offers funding up to INR 85 lakh without collateral and up to INR 2 crore with collateral, making them suitable for both Indian and overseas studies. With flexible tenures, moratorium benefits, and competitive interest rates, they cover tuition, leaving, and other academic expenses. Here is a detailed overview of the TATA Capital education loan:

Loan Name	TATA Capital Education Loan
Provider	TATA Capital
Nationality	Indian
Age group eligible	Between 18-35
Loan amount	INR 85 lakh unsecured; up to INR 2 crore with collateral.
Loan Tenure	Typically up to 13 years (product pages also mention up to 15 years on some journeys; treat 13 years as baseline and 15 years where specifically offered).
Interest rates start at	About 11.00%–13.50% (actual offer depends on profile; TATA Capital publishes its Retail Prime Lending Rate used to price loans).
Moratorium (repayment holiday)	Course duration + 6–12 months grace.
Branches across India	200+
Official Website	https://www.tatacapital.com/personal-loan/education-loan.html
Contact No.	1860 267 6060

Benefits of TATA Capital Loan

TATA Capital Education Loans offer high loan amounts, flexible repayment up to 13–15 years, and a moratorium during your study period. With easy processing, minimal paperwork, and no charges on part-payments, they make financing higher education stress-free.

There are many benefits of getting a TATA Capital Loan for studying abroad. Check the advantages of this loan below:

• Customised Services – Your educational requirements are unique. That is why they allow you to customise the loan to meet your specific requirements. Your education loan can pay tuition, hostel expenses, book costs, and so forth.
• Simple Repayment Option- You have the option and control over how you repay your college debt. Apply online for the best option for you.
• Little paperwork- They pave the road for your bright future by making the process straightforward.
• Rapid Acceptance– You only need to provide a few documents with your application to get your loan approved.

Eligibility Criteria For TATA Capital Education Loan

To be eligible for a TATA Capital education loan, the applicant must be an Indian resident aged between 18 and 35 years with confirmed admission to a recognised institution in India or abroad. A co-applicant with a stable income, such as a parent or guardian, is also required for loan approval. Here is the eligibility criteria for the TATA Capital education loan:

You are eligible for a Tata Capital Education Loan if:

• You are an Indian citizen,
• You are between the ages of 18-35 years,
• You have confirmed admission at a university,
• Your parents / co-applicant has a stable income source,
• You either have a guarantor or show security.

Documents Required For TATA Capital Education Loan

For a TATA Capital education loan, students need to submit some important documents. The co-applicant must provide income documents like salary slips, ITRs, and bank statements. For the whole collateral loan, property or FD papers are also required.

Here are some of the main documents that need to be submitted while applying for a TATA education loan:

• Photo Identity Proof 
• Marksheets, Transcripts & Certificates
• Admission Letter
• Income Proof
• Salary Slips
• Property Documents
• Other Essential Documents issued by the college or school 
• Documents for Studying Abroad 
• Employment Details (If employed) 

NOTE: The maximum amount will depend on your needs and eligibility. Typically, the maximum loan amount approved to study domestically is INR 15 lakhs and internationally is INR 30 lakhs. 

Also Read: Sahu Jain Trust Loan Scholarship 

Rates & Charges 

TATA Capital Education Loans feature competitive interest rates—typically ranging from 10.99% to 13.50%, determined by the Retail Prime Lending Rate (RPLR) plus a spread based on your profile. You may expect a processing fee (usually up to ~2% plus taxes) and a small mandate-rejection fee if applicable, while part-payment is free, and foreclosure charges are “NA/if applicable” (check your sanction letter for final details).

The following general charges are involved in personal loans: 

• Processing Fee – The processing fee is a one-time fee charged by lenders when you process the personal loan application. It is a non-refundable fee even if the loan does not get sanctioned. Up to 2.75% of the loan amount + GST.

• Penal Interest/Additional Interest – Penal Interest is the rate of interest that will be charged on delayed monthly instalments. The borrower can now pay the delayed instalment, inclusive of the additional interest. 3% on an overdue amount per month + GST.

Take a look below for the miscellaneous charges under Tata Capital Education Loan: 

Bounce Charges	INR 600 for every cheque + GST
Mandate Rejection Service Charge	450 + GST
CCOD Annual Maintenance Charges	0.25% on the dropline amount + GST or INR 1000, whichever is higher, will be deducted from the limit and shall be paid in the 13th month
Outstation Collection Charges	INR 100 + GST per repayment tenure
Statement of Accounts	Soft Copy – NIL Branch Walk-in – INR 250 + GST
Loan Cancellation Charges	2% of the loan amount or INR 5,750 whichever is higher + GST
Instrument Swap Charges	INR 550 + GST
Duplicate Repayment Schedule	Soft Copy – NIL Branch Walk-in – INR 550 + GST
Duplicate NOC	INR 550 + GST
Post-Dated Cheque Charges	INR 850 + GST

Moratorium, Repayment & Tenure 

TATA Capital offers a moratorium covering the course period plus 6-12 months, giving students time to start repayments after completing their studies. With repayment tenures extending up to 13-15 years and flexible part-payment options, the loan ensures manageable EMIs and reduces financial stress. Here are the details of the moratorium, repayment, and tenures for the TATA Capital education loan:

Moratorim	Tenure	Prepaymnet
You get a repayment holiday during the course period + 6-12 months (grace to find a job). During this time, lenders typically expect simple interest/partial interest payment (PSI/SI), or you can opt for EMI after a set period.	Usually up to 13 years (some funnels mention up to 15 years; confirm what your offer letter states).	You get a repayment holiday during the course period + 6-12 months (grace to find a job). During this time, lenders typically expect simple interest/principal interest payment (PSI/SI), or you can opt for EMI after a set period.

Application Process

The application process for a TATA Capital Education loan is simple and student-friendly. You can apply online or offline, submit the required documents along with admission details, and after credit assessment and verification, the sanctioned loan is disbursed directly to the institute or as per the requirement.

Here’s a sneak peek of the application procedure for a candidate: 

• Online application: Apply for the Tata Capital Education Loan by putting up your basic information. 
• Submit the documents: After receiving the loan eligibility, fill in the required documents for the desired application. 
• Verify the application: The application loan will be properly verified, and then the documents will be submitted. 
• Approval: The loan is sanctioned post-approval. 

Expenses Covered Under Tata Education Loan

Education loans can cover most study costs: tuition, living/hostel, books, equipment, insurance, exam fees, caution deposits, travel (for abroad), visa/SEVIS, laptop, and other academic expenses—subject to lender policy and your sanctioned amount.

Tata Capital Finance Limited Student Loan Scheme Expenses

• Examination Fee
• Tuition Fee
• Hostel Fee
• Library/Laboratory Fee
• Book, equipment, instrument, or uniform costs
• Miscellaneous expenses include study tours, project work, thesis, and so on.
• A computer or laptop at a reasonable price (if required)

Courses Covered Under Tata Capital Loan

Tata Capital provides Student Loans for courses both in India and overseas. The list of courses eligible for the Tata Capital Education Loan is provided below.

Courses Available in India

• Degree/post-graduate/diploma programmes from accredited universities
• Professional courses/technical courses/management courses
• PhD programmes.

Courses Provided Outside of India

• Graduate/postgraduate degrees from reputable universities.
• PhD programmes.
• CPA (US) administered by AICPA
• CIMA (UK) administered by The Chartered Institute of Management Accountants
• Universities offering certified programs e.g., University of London, University of Warwick, LSE (examples)

Calculate your Tata Capital Education Loan EMI 

Here is the information to calculate your EMI: 

• Education Loan Amount (the loan amount you wish to get)
• Interest Rate (Tata Capital Education Loan interest rate begins at 10.99%)
• Loan Tenure
• Click the calculate button. The system allows you to have an EMI monthly break-up of both the interest and principal payment. 
• If the Education Loan EMI is higher or lower than you want to pay, edit the principal amount and follow the same steps from 2 – 4. 

EMI Options for Tata Capital Education Loan

TATA Capital provides flexible EMI options, allowing students to choose between paying simple interest, partial interest, or full EMIs during the moratorium. This flexibility helps manage cash flow effectively until stable income begins after studies.

Have a look at the EMI options that are available for the Tata Capital Education Loan: 

Standard EMI Plan: The Standard EMI Plan is created to allow you to pay the principal amount and interest consistently for your defined period. 

• Tata Capital Education Loan EMI amount remains the same for the entire loan period
• It is the Standard Plan
• Ideal if you have a consistent income

Step Up Flexi EMI Plan: Step Up Flexi EMI Plan offers great flexibility. This repayment option allows you to pay lower EMIs in the beginning, and as your salary increases, you pay higher EMIs. 

• Provides higher Education Loan eligibility
• Pay more when you can afford
• Helps to manage income flow efficiently 
• Ideal if you expect your income to increase at regular intervals

Step Down Flexi EMI Plan: Step Down Flexi EMI Plan offers flexibility to pay higher EMIs at the beginning and lower ones at the end.

• Reduces interest substantially
• Provides higher Education Loan eligibility
• Ideal if you have a high disposable income

Also Read: Instant Loan for Students to Study Abroad

Loan Repayment Process for Tata Capital Student Loan

If you apply for a Student Loan with Tata Capital, you will be able to enjoy a repayment plan that is tailored to your specific circumstances. Their repayment terms range from 12 months to 72 months. You can pay your EMIs online at any time by visiting their website. Alternatively, you can mail a check to the nearest Tata Capital branch. No questions asked, you have ultimate control over your student loan repayment!

In conclusion, TATA Capital Education Loans are designed to ease the financial burden of pursuing higher education, whether in India or abroad. With high loan limits, flexible repayment terms, and student-friendly features like moratorium and eBay part payment, they provide a reliable way to focus on academics without worrying about immediate expenses. Before applying, students should review the latest interest rate, charges, and terms in their sanction letter to make an informed decision.

FAQs

Related Reads 

Education Loan Process: Steps, Eligibility Criteria	What is an Education Loan in India: Meaning, Benefits
Maximum Education Loan for Abroad Studies in 2025	Instant Loan for Students to Study Abroad
How to Get an Education Loan Without Collateral	How Can You Get an Education Loan After 12th?

So, the blog on Tata Capital Education Loan comes to an end. We hope you find this helpful, providing you with all the details. There are plenty of other education loans to choose from. If you’re looking to study abroad with the help of loans and other scholarship programs, get in touch with us at Leverage Edu and take an informed step towards a rewarding career.