Assam resident Indian students admitted to recognized higher education courses (India/abroad) after 10+2, with a parent, guardian, or spouse as joint borrower

• India: Up to ₹50 lakh; Margin: Nil up to ₹4 lakh, 5% above ₹4 lakh
• Abroad: Up to ₹100 lakh; Margin: Nil up to ₹4 lakh, 15% above ₹4 lakh

• Up to ₹4 lakh: Future income + joint borrower (parent/guardian)
• ₹4–7.5 lakh: Above + third-party guarantee or CGFSEL coverage
• Above ₹7.5 lakh: Above + 100% tangible collateral (or 60% if liquid assets)

• EMIs for 15 years after moratorium (course +1 year/6 months after job).
• Moratorium extendable 3 times (max 6 months each, total 18 months).
• No prepayment penalty.

Starting from 8 p.a.*

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