Student Financing
Education Rates
Competitive ROI matrix for premier and general institutes effective from 17-01-2026.
PM Vidya Laxmi Scheme
7.05%
For IIM / IIT Admissions
PGB SARASWATI AND PGB UDAAN
09.75%
Upto ₹7.50 Lac Loans
Secured ROI
10.00%
With 100%+ Collateral
PGB VIDHYA LAXMI (Premier Institutes)
| Loan Category / Parameter | Rate of Interest (ROI) |
|---|---|
Institute cover under AAA category | 7.05% |
Institute cover under AA category | 7.45% |
Institute cover under A category | 7.85% |
PGB Saraswati and PGB UDAAN Schemes
| Loan Category / Parameter | Rate of Interest (ROI) |
|---|---|
Upto ₹4.00 Lac | 10.40% |
Over ₹4.00 Lac to ₹7.50 Lac | 10.40% |
Above ₹7.50 Lac | 10.75% |
Secured Loans (Mortgage / Liquid)
| Loan Category / Parameter | Rate of Interest (ROI) |
|---|---|
Security ≥ 100% of Loan | 10.00% |
Security > 200% of Loan | 10.00% |
Academic Disbursement Notice
Ujjwal scheme rates are linked to premier institution ranking. Standard rates apply to all other recognized academic institutions. Collateral requirements apply as per bank policy for loans above ₹7.50 Lac.