Education loan kaise le — 12vi ke baad college ya videsh me padhne ka sapna dekhne wale hazaaron students ke liye yeh sabse zaroori sawaal hai. Education loan me aam loan se alag niyam hote hain: padhai ke dauran EMI nahi deni hoti (moratorium), aur chukaye gaye byaaj par poori tax chhoot milti hai. Aaiye poori prakriya samjhte hain. (Aur vikalpon ke liye hamare finance guides bhi dekhein.)
Education Loan Par Byaaj Dar Kitni Hai? (2026)
Byaaj dar bank, course, college aur guarantee par nirbhar karti hai. 2026 ke anumanit dayre:
- Sarkari bank (SBI, PNB jaise): lagbhag 8.55% se 11.5% salana
- NBFC (HDFC Credila, Avanse jaise): lagbhag 10.5% se 14% salana
- Accha college ya videsh ke top university me admission par aksar kam dar milti hai. Vigyapan wali “starting rate” se zyada offer letter ki asli dar, processing fee aur moratorium ki shartein mayne rakhti hain — inki tulna zaroor karein.
Moratorium Period Kya Hota Hai?
Moratorium woh samay hai jab EMI nahi deni hoti — aam taur par course ki avadhi + uske baad 6 se 12 mahine. Lekin dhyan rahe: EMI rukti hai, byaaj nahi rukta. Byaj judta rehta hai aur aksar mool rakam me jud jata hai (capitalise), jisse kul loan badh jata hai. Udaharan: ₹10 lakh ka loan, 10.5% dar, 4.5 saal ka moratorium — byaaj judkar rakam lagbhag ₹14 lakh se upar pahunch sakti hai. Agar moratorium me sirf byaaj ka hissa chukate rahein, to yeh bojh nahi badhta — kai bank is par dar me chhoot bhi dete hain. (Girvi rakhkar turant rakam chahiye to Gold Loan bhi ek vikalp hai.)
Education Loan Ke Liye Eligibility Aur Documents
- 12vi ke baad manyata prapt course me admission (Bharat ya videsh)
- Aam taur par co-applicant (mata-pita/abhibhavak) zaroori hota hai
- ₹7.5 lakh tak ke loan par aam taur par guarantee (collateral) nahi mangi jati
- Bharat me padhai par lagbhag 5% aur videsh me lagbhag 15% margin money (khud ka yogdan) ho sakta hai
- Documents: admission letter, pichhli marksheet, Aadhaar/PAN, pata pramaan, aay pramaan, fee structure, passport (videsh ke liye)
Dhaara 80E — Byaj Par Poori Tax Chhoot
Education loan ke byaaj par dhaara 80E ke tahat poori chhoot milti hai — iski koi adhiktam seema nahi hai (80C jaisi ₹1.5 lakh ki seema nahi).
- Chhoot sirf byaaj par, mool rakam par nahi
- Chukani shuru karne wale saal se lagatar 8 saal tak
- Sirf vyakti (individual) le sakta hai; loan bank ya manyata prapt sanstha se hona chahiye
- Yeh chhoot keval old tax regime me milti hai. Udaharan: ek saal me ₹1,80,000 byaaj chukaya aur aap 30% slab me hain, to lagbhag ₹54,000 tax bachta hai (cess alag se).
Education Loan Kaise Le — Steps
- Education loan kaise le — pehle college/university ka admission letter aur fee structure taiyar rakhein
- 2–3 bankon/NBFC ki daron, fee aur moratorium sharton ki tulna karein
- Bank branch me apply karein ya sarkari Vidya Lakshmi portal (vidyalakshmi.co.in) par online apply karein
- Documents jama karein aur bank ki jaanch poori hone dein
- Manzoori ke baad rakam seedha college ke khate me jati hai (semester-wise)
Aadhikarik Srot
- vidyalakshmi.co.in — sarkar ka education loan portal
- Bankon ki official education loan pages (SBI aadi)
- Income Tax Act, 1961 — dhaara 80E
Yeh sirf jaankari hai, financial advice nahi hai. Loan lene se pehle bank se byaaj dar aur shartein likhit me lein aur apne salahkar se salah karein.