StudyCapital bridges the gap between your academic ambitions and financial realities. Whether studying domestically or abroad, we make funding your future simple, fast, and stress-free.
Education loans for IIT, IIM, NIT, AIIMS, top Indian universities & 50+ countries. Serving students from Delhi, Prayagraj, Zirakpur & all across India.
* Cumulative figures including offline operations prior to formal registration.
Based in New Delhi, StudyCapital has been the trusted education loan partner for thousands of students across India. We simplify the loan process so you can focus on what matters — your education.
From consultation to disbursal, we cover every step of your education loan journey.
Finance your studies at top Indian universities and colleges. Covers tuition, hostel, books, and more. Loans up to ₹75 lakhs.
Check Eligibility →Study abroad at your dream university. We support 50+ countries including USA, UK, Canada, Australia & Europe.
Check Eligibility →Free one-on-one session with our certified loan advisors to choose the best loan plan tailored to your profile.
Book Session →We help you prepare, verify, and submit all required documents accurately — reducing rejections significantly.
View Documents →Our network with top banks ensures your loan is processed and approved within 48–72 hours of document submission.
Apply Now →Discover scholarships and grants that can reduce your loan burden. We help identify and apply for the right ones.
Explore →Seamless foreign currency exchange and tuition fee remittance to international institutions at best rates.
Get Rates →Protect your education loan with affordable insurance plans ensuring repayment continuity in unforeseen circumstances.
Know More →Use our calculator to estimate your monthly EMI and plan your finances accordingly.
Move the sliders to see your estimated EMI instantly
Check your eligibility and prepare your documents to ensure a smooth loan process.
Live reviews pulled directly from Google. Updated automatically.
Happy with our service? Your review helps other students find us!
⭐ Leave a Google Review 🚀 Apply NowWe help students in every major city get the best education loan — online or in-person at our 3 offices.
Detailed guides for every bank and NBFC — rates, eligibility, pros & cons.
Free guides, calculators, and resources to make the right loan decision.
Everything you need to know about education loans in India and abroad.
Education loan interest rates in India start from 8.5% per annum for government banks like SBI, Bank of Baroda, and Union Bank. Private banks like HDFC Credila and Axis Bank typically offer rates between 10–13% p.a. StudyCapital compares rates across 50+ lenders to find you the lowest rate based on your profile, loan amount, and destination country.
Most banks in India offer collateral-free education loans up to ₹7.5 lakhs under the IBA model. For loans above ₹7.5 lakhs (up to ₹75 lakhs), collateral such as property, FD, or LIC policy may be required. Private lenders like HDFC Credila and Prodigy Finance offer higher unsecured loans based on your university's ranking and co-applicant income.
The moratorium period in an education loan is the grace period during which you are not required to pay EMIs — typically the course duration + 6 to 12 months after course completion or getting a job, whichever is earlier. During this period, simple interest accrues which can optionally be paid to reduce overall interest burden.
Yes! StudyCapital facilitates education loans for 50+ countries including USA, UK, Canada, Australia, Germany, Ireland, France and more. For Canada, we also assist with GIC (Guaranteed Investment Certificate) requirements. Loans cover tuition, accommodation, travel, study materials, and living expenses abroad.
Under Section 80E of the Income Tax Act, the interest paid on education loans is fully deductible from taxable income for up to 8 consecutive years from the year repayment begins. There is no upper limit on the deduction amount. This applies to loans taken for higher education in India or abroad.
Going to a single bank means you see only their rates and products. StudyCapital compares 50+ banks simultaneously, negotiates preferential rates on your behalf, handles all documentation end-to-end, reduces rejection risk through correct filing, and provides post-disbursement support — all at zero cost to you. Our clients typically save ₹1–3 lakhs in total interest.
Yes. NBFCs like Avanse Financial and Auxilo offer collateral-free education loans up to ₹75 lakhs for international studies at recognised universities. Government banks like SBI offer unsecured loans up to ₹7.5 lakhs without collateral. Eligibility depends on your university ranking, co-applicant income, and course type. Learn more about collateral-free loans →
The moratorium period is a repayment holiday covering the course duration plus 6–12 months after completion. During this time you don't pay EMIs, but interest accrues. Paying simple interest during the moratorium can save you significantly — for example, on a ₹30L loan at 10%, paying interest during a 2-year course saves approximately ₹6–8 lakhs over the loan tenure. Read the full guide →
Yes. Under Section 80E of the Income Tax Act, the entire interest paid on an education loan is tax deductible — with no upper limit — for up to 8 consecutive years from when repayment begins. This applies to loans taken for yourself, spouse, children, or a student under your legal guardianship. Read full Section 80E guide →
TRUSTED BANKING PARTNERS — 50+ LENDERS
Fill in the form and our advisor will reach out to you within 2 business hours.
This Privacy Policy applies to StudyCapital ("we", "our", or "us"), a financial consultancy specialising in education loans, with registered office at B-158/159, Sainik Nagar, New Delhi – 110059, India.
We operate www.studycapital.in and associated digital channels including WhatsApp, Facebook, Instagram, and social media. This Policy explains how we collect, use, store, and protect your personal information.
By using our Website or submitting any inquiry form, you consent to the data practices described here in accordance with the Information Technology Act, 2000, the IT (Amendment) Act, 2008, and the Digital Personal Data Protection Act, 2023 (DPDPA) of India.
We collect information directly from you and automatically when you visit our Website.
We may also receive information from partner banks, financial institutions, or referral partners where you have consented to such sharing.
We use your personal data solely to provide education loan consultancy services:
We do not sell your personal data. We may share your information only in these circumstances:
| Recipient | Purpose | Basis |
|---|---|---|
| Partner Banks & NBFCs (SBI, HDFC Credila, Axis, ICICI, BOB etc.) | Processing your education loan application | Your explicit consent |
| Meta / Facebook | Advertising, Lead Ads, analytics via Pixel | Consent via cookie/ad interaction |
| Google LLC | Analytics, Ads remarketing | Legitimate interest / cookie consent |
| Telegram / WhatsApp | Internal notification relay (inquiry alerts to our team) | Operational necessity |
| EmailJS / SMTP Provider | Sending confirmation emails | Contract performance |
| Legal / Regulatory Authorities | Compliance with court orders or RBI/government directives | Legal obligation |
We maintain a Facebook App (StudyCapitalDelhi, App ID: 800087412894093) for Facebook Login, Lead Ads, and retargeting campaigns.
You may revoke our app's access via Facebook Settings → Apps and Websites. For data deletion, see Section 10 or email info@studycapital.in.
We implement industry-standard measures to protect your personal information:
You can manage cookies via your browser settings. Disabling cookies may affect some Website functionality.
We retain personal data only as long as necessary to fulfil the purposes for which it was collected:
| Data Type | Retention Period |
|---|---|
| Inquiry / contact form data | 3 years from date of submission |
| Loan application and documents | 7 years (RBI regulatory requirement) |
| Email correspondence | 3 years |
| Google Analytics / website analytics | 26 months (Google default) |
| Facebook Pixel / ad data | As per Meta's data retention policies |
| WhatsApp / Telegram inquiry logs | 1 year (internal systems) |
After the applicable retention period, your data will be securely deleted or anonymised.
Under the Digital Personal Data Protection Act, 2023 (DPDPA), you have the following rights:
Request a summary of your personal data we hold and how it is being processed.
Request correction of inaccurate or incomplete personal data without undue delay.
Request deletion of personal data when no longer required for its original purpose.
Withdraw consent at any time. This does not affect prior lawful processing.
Lodge a grievance with our Data Protection Officer and receive a response within 30 days.
If unsatisfied with our response, escalate to the Data Protection Board of India.
To exercise any of these rights, contact our Data Protection Officer at info@studycapital.in or call +91 98114 19910. We respond within 30 days.
You may request deletion of your personal data from our systems at any time.
Our services are directed at individuals who are at least 18 years of age or applying with a parent or guardian as co-applicant. We do not knowingly collect personal data from children under 18 without verified parental consent.
If a parent or guardian believes their child's data has been submitted without proper consent, please contact us immediately at info@studycapital.in and we will promptly delete such data.
We may update this Privacy Policy to reflect changes in our practices, technology, or legal requirements. When we make material changes, we will update the "Last Updated" date, post a notice on our homepage for 30 days, and notify you directly where required by law.
| Detail | Information |
|---|---|
| Business Name | StudyCapital (StudyCapitalDelhi) |
| Registered Address | B-158/159, Sainik Nagar, New Delhi – 110059, India |
| Branch – Prayagraj | D Block, ADA Colony, Naini, Prayagraj – 211008, UP |
| Branch – Zirakpur | 244/9, South City, VIP Road, Zirakpur – 140603, Punjab |
| Privacy Contact Email | info@studycapital.in |
| Phone | +91 98114 19910 | +91 87962 49926 |
| Website | www.studycapital.in |
| Office Hours | Monday – Saturday, 9:00 AM – 7:00 PM IST |
We aim to respond to all privacy inquiries within 3 business days and resolve them within 30 days.
Thank you! Our education loan expert will contact you shortly.
These Terms of Service ("Terms") govern your use of www.studycapital.in and all related services offered by StudyCapital (also known as "StudyCapitalDelhi"), a financial consultancy registered under UDYAM Registration No. UDYAM-DL-10-0118163, with registered office at B-158/159, Sainik Nagar, Gali No. 7, New Delhi – 110059, India.
By accessing or using this website, submitting any inquiry form, calling our helpline, or engaging with us via WhatsApp, email, or social media, you acknowledge that you have read, understood, and agree to be legally bound by these Terms and our Privacy Policy.
StudyCapital is an education loan consultancy — not a bank, NBFC, or financial institution. We provide the following advisory and facilitation services:
To use our services you must:
We reserve the right to decline service to any individual at our sole discretion, including where we reasonably suspect fraudulent intent or misrepresentation.
You agree to use this website only for lawful purposes. You must not:
We reserve the right to block access to users who violate these conditions without notice.
Consultation is free. StudyCapital does not charge any upfront consultation or advisory fee for education loan guidance. Any charges that may apply for specific premium services will be communicated clearly in writing before work begins.
Interest rates, loan amounts, processing times, and eligibility criteria mentioned on this website are indicative only and subject to change without notice. Always verify current terms directly with the lender before applying.
This website and all information, tools, and services are provided on an "as is" and "as available" basis without any warranty of any kind, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, or uninterrupted access.
All EMI calculations, eligibility checkers, and interest rate comparisons are indicative tools for informational purposes only and do not constitute a financial offer, commitment, or professional financial advice.
To the fullest extent permitted by applicable law, StudyCapital and its directors, employees, agents, and partners shall not be liable for any direct, indirect, incidental, consequential, or punitive damages, including but not limited to:
Our total aggregate liability to you shall not exceed ₹5,000 (Indian Rupees Five Thousand Only) or the amount paid by you to us (if any), whichever is lower.
All content on this website — including text, graphics, logos, icons, images, EMI calculator code, and page layouts — is the exclusive intellectual property of StudyCapital and is protected under the Copyright Act, 1957 and applicable Indian and international intellectual property laws.
You may not reproduce, distribute, modify, or create derivative works from any content on this website without our prior express written consent. Fair use for personal, non-commercial reference with attribution is permitted.
Our website may contain links to third-party websites including bank portals, government scholarship portals, university websites, and social media platforms for your convenience only. StudyCapital has no control over the content, privacy practices, or policies of third-party websites and accepts no responsibility for them.
The inclusion of any link does not imply endorsement, sponsorship, or recommendation of that website by StudyCapital.
By using StudyCapital's services you agree to:
StudyCapital reserves the right to terminate or suspend access to our website and services, with or without notice and without liability, if you violate any provision of these Terms, provide false or fraudulent information, or engage in conduct harmful to StudyCapital, our partners, or other users.
You may discontinue use of our services at any time by ceasing to access our website and notifying us at info@studycapital.in. Sections 6, 7, 8, and 12 shall survive termination.
These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising out of or relating to these Terms shall be subject to the exclusive jurisdiction of the courts of New Delhi, India.
Before initiating formal legal proceedings, both parties agree to attempt resolution through good-faith negotiation for a minimum of 30 days. Disputes that cannot be resolved amicably may be referred to arbitration under the Arbitration and Conciliation Act, 1996 (as amended), seated in New Delhi, with the award being final and binding.
We may update these Terms periodically to reflect changes in our services, applicable law, or business practices. When we make material changes, we will update the "Last Updated" date at the top of this page, post a notice on our website homepage for at least 14 days, and where required by law, notify registered users directly by email.
Your continued use of our website or services after the effective date of any revised Terms constitutes your acceptance of the revised Terms.
If you have any questions or concerns about these Terms of Service, please reach out:
| Detail | Information |
|---|---|
| Business Name | StudyCapital (StudyCapitalDelhi) |
| Registered Address | B-158/159, Sainik Nagar, New Delhi – 110059, India |
| Branch – Prayagraj | D Block, ADA Colony, Naini, Prayagraj – 211008, UP |
| Branch – Zirakpur | 244/9, South City, VIP Road, Zirakpur – 140603, Punjab |
| info@studycapital.in | |
| Phone | +91 98114 19910 | +91 87962 49926 |
| Website | www.studycapital.in |
| Office Hours | Monday – Saturday, 9:00 AM – 7:00 PM IST |
| UDYAM Reg. No. | UDYAM-DL-10-0118163 |
We aim to respond to all Terms-related queries within 3 business days.
The information provided on www.studycapital.in by StudyCapital (UDYAM-DL-10-0118163), registered at B-158/159, Sainik Nagar, New Delhi – 110059, India, is for general informational and educational purposes only.
While we make every effort to keep information accurate, complete, and up to date, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of any information, products, or services on this website.
StudyCapital is an independent education loan consultancy — not a bank, NBFC, or any regulated financial institution under the Reserve Bank of India (RBI). We do not:
All loan sanctions, disbursals, interest rates, and repayment terms are determined solely by the respective lending institution in accordance with their internal credit policies and RBI guidelines.
All interest rates, loan amounts, EMI figures, processing fees, and eligibility criteria mentioned on this website are indicative only and subject to change at any time without notice, based on the policies of individual banks and NBFCs.
Always verify all rates, terms, and eligibility criteria directly with the concerned bank or NBFC before submitting any loan application.
Nothing on this website constitutes professional financial, legal, tax, or investment advice. Content is provided purely for informational purposes and should not be construed as a substitute for consultation with qualified financial advisors, legal professionals, or certified tax consultants.
StudyCapital's advisors are education loan consultants, not Registered Investment Advisors (RIAs) or certified financial planners. Any guidance provided is general in nature. Before making any major financial decision, please seek independent professional advice appropriate to your specific circumstances.
This website may contain links to third-party websites including bank portals, government schemes (e.g., Vidya Lakshmi, Padho Pardesh), university websites, and scholarship portals for convenience only. StudyCapital has no control over the content, accuracy, or availability of third-party websites and does not endorse any third-party products, services, or opinions.
Information about government schemes and scholarship guidelines is sourced from publicly available data and may not reflect the most current updates. Always verify with the official government portal.
Testimonials, success stories, and student reviews displayed on this website reflect individual experiences and are not necessarily representative of all outcomes. Past results do not guarantee similar results for future applicants.
Loan approval outcomes depend on multiple factors including academic profile, co-applicant income, credit history, collateral availability, and individual bank policies — all of which are outside StudyCapital's control.
To the maximum extent permitted by applicable law, StudyCapital, its directors, employees, partners, and agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from use of this website, reliance on its content, loan rejection by any lender, or errors or omissions in website content.
Our total aggregate liability, if any, shall not exceed ₹5,000 (Indian Rupees Five Thousand Only).
This Disclaimer is governed by and construed in accordance with the laws of India. Any disputes arising out of or related to this Disclaimer shall be subject to the exclusive jurisdiction of the courts of New Delhi, India.
By continuing to use this website, you acknowledge that you have read, understood, and agreed to this Disclaimer in its entirety.
If you have any questions about this Disclaimer, please contact us:
| Detail | Information |
|---|---|
| Business Name | StudyCapital (StudyCapitalDelhi) |
| Registered Address | B-158/159, Sainik Nagar, New Delhi – 110059, India |
| info@studycapital.in | |
| Phone | +91 98114 19910 | +91 87962 49926 |
| Website | www.studycapital.in |
| Office Hours | Monday – Saturday, 9:00 AM – 7:00 PM IST |