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Student Loan Refinancing

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Student Loan Refinancing Overview

What is Refinancing?

Refinancing simply means taking out a new loan – at a lower interest rate – to consolidate and replace your old loans.

Student loan Refinancing

So, you’ve taken a loan. What if we have cool options to slash your outstanding?

Different Rates

Fixed Rate, Variable Rate and Hybrid Rate.

Refinancing Calculator

Use our fast and easy student loan refinancing calculator to figure out how refinancing your student loans can improve your finances.

Benefits & Features

Sensitive Solutions

Responsible Borrowing

Account access 24x7

Take the load out of your debt

Eligibility & Documents

Who should opt for Student Loan Refinancing?

  • Students with existing student loans who are currently pursuing their studies in India or abroad.
  • Students who have completed their studies and are about to start or have already started their student loan repayments.
  • Working Professionals servicing an existing student loan.


  • Indian Nationals /Indian Passport Holders/ NRI Working in India with OCI card
  • Relationship accepted for Income Eligibility: Father/ Mother/ Brother/ Sister/ Brother in Law.
  • Relationship accepted for Security with Property as collateral: Father/ Mother/ Brother/ Sister/ Maternal Uncle/ Paternal Uncle/ Grand Parents & Friends.


All accredited courses in India or Overseas

Loan Amount

INR 2,00,000 – Max INR 1,00,00,000

Collateral Accepted

House/ Flat, Residential Plot, Non-Agricultural Land, Fixed Deposit

Ready to Apply

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How to Apply

Step 1

Reach out to us.

Step 2

Fill in the form and collate documents.

Step 3

Our representative will get in touch and collect your documents.

Step 4

Loan Disbursed.

Fees & Charges

Education loan Service charges and fees are as follows:

Description of Charges Charges and Fees
Pre-Payment charges No pre-payment allowed in the first six months of loan disbursement
Charges for past due payment of PMII / EMI 2% per month
Cheque/ECS Swap charges Rs 500/- plus applicable service tax.
Cheque/ECS Bounce charges Rs 400/- plus applicable service tax.
Document handling charges (At the time of foreclosure) Rs 1500/- + taxes as applicable.

Processing Fee

Zero Processing charges, you pay only for the applicable documentation charges


  • Minimum repayment tenure: 12 months
  • Maximum repayment tenure: 120 months (including course duration)
  • Grace period is of six months after the course is complete or three months after getting a job