Educational Loan FAQs

A right over the security is created in favour of HDFC Bank. Hence shares cannot be transferred or sold by the customer or shareholder.

You need to carry an Agreement Number, Self-attested Identification Proof containing your signature to avail of any information / deliverable along with a written request and produce the documents at the Customer Service Desk.

It will take 25 working days to activate the revised instructions. In case your next instalment falls due prior to the said period, an instruction already lodged with us will be presented for payment.

"For your queries related to Loans (other than home loans), please visit the nearest Retail Asset Branch. You can also write to us at www.apnaloanbazaar.com with the following verification details or contact your nearest Phone Banking officer "

"In order to change your address in our records, you may visit the nearest Retail Loan Service Centerand submit the following documents: • Request form for Address Change. • Self Attested copy of your revised address proof along with the original address proof for validation. • In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided "

Post Dated Cheques(PDCs)/Security Cheques submitted towards loan repayment that have not been encashed, will be defaced and retained by the Bank. In case, you wish to have your old Post Dated Cheques(PDCs)/ Security Cheques to be returned to you, kindly lodge a request at the Retail Loan Service Center or through PhoneBanking or write us an email at www.apnaloanbazaar.com within 45 days from the date of application of change in repayment instructions. In case, we do not hear from you within the stipulated period, the defaced cheques will be destroyed.

In the event that you wish to change the mode of repayment/bank account for your loan repayment, you may visit the nearest the Retail Loan Service Center and submit your request with the revised account mandate/instructions.

"You may obtain a Duplicate Repayment Schedule for your loan account, free of charge by registering for our NetBanking facility on www.hdfcbank.com and download the repayment schedule for your linked loan account. Alternatively, you may visit the nearest Retail Loan Service Center and submit the following documents • Request form for Duplicate Repayment Schedule. • Duplicate Repayment Schedule Charges of Rs.200/- favouring ""HDFC Bank Ltd Loan Account No. << >>"" • In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided. "

A service charge of Rs.500 is applicable for changes in loan repayment instructions issued from non-HDFC Bank Account (ECS or PDC facility). A cheque/payorder/demand draft for Rs. 500 favouring “HDFC Bank Ltd Loan Account No. << >>” will be required along with the revised set of repayment instructions.

Yes. A moratorium/repayment holiday is available for select courses.

You have the option of repaying the loan through a Standing instruction, ECS or post-dated cheques.

A repayment moratorium (also called a repayment holiday) is the course work period + 1 year or 6 months after the student gets a job or starts earning, whichever is earlier.

If you are an Indian resident/citizen, have got admission in a graduate/ post graduate course in a college/institute/university which is recognized by the UGC/AICTE/AIBMS or ICMR, then you are eligible for the HDFC Bank Student Loan for Indian Education.

"The maximum repayment tenures are as below: • For loans upto Rs. 7.50 lacs - upto 10 years • For loans above Rs. 7.50 lacs - upto 15 years "

Yes a co applicant is required for all full time courses. Co-applicant could be Parent/ Guardian or Spouse/ Parent-in-law (if married).

For loans up to Rs. 4 lakh - No collateral or Third Party Guarantee is required.

To study in India, the maximum loan you can get is upto Rs. 10 lacs.

Margin Money upto Rs. 4.00 lacs - Nil, For loans above Rs. 4.00 lacs - 5%

Yes. The tuition and hostel fees (if any) will be disbursed directly to the educational institute as per the schedule and structure of fees given by them.

You have the option of servicing simple interest during moratorium period. Simple interest will be calculated on the loan amount disbursed payable monthly.

Post Dated Cheques(PDCs)/Security Cheques submitted towards loan repayment that have not been encashed, will be defaced and retained by the Bank. In case, you wish to have your old Post Dated Cheques(PDCs)/ Security Cheques to be returned to you, kindly lodge a request at the Retail Loan Service Center or through PhoneBanking or write us an email at www.apnaloanbazaar.com within 45 days from the date of application of change in repayment instructions. In case, we do not hear from you within the stipulated period, the defaced cheques will be destroyed.

In the event that you wish to change the mode of repayment/bank account for your loan repayment, you may visit the nearest the Retail Loan Service Center and submit your request with the revised account mandate/instructions.

A service charge of Rs.500 is applicable for changes in loan repayment instructions issued from non-HDFC Bank Account (ECS or PDC facility). A cheque/payorder/demand draft for Rs. 500 favouring “HDFC Bank Ltd Loan Account No. << >>” will be required along with the revised set of repayment instructions.

"In order to change your address in our records, you may visit the nearest Retail Loan Service Centerand submit the following documents: • Request form for Address Change. • Self Attested copy of your revised address proof along with the original address proof for validation. • In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided. "

"You may obtain a Duplicate Repayment Schedule for your loan account, free of charge by registering for our NetBanking facility on www.hdfcbank.com and download the repayment schedule for your linked loan account. Alternatively, you may visit the nearest Retail Loan Service Center and submit the following documents • Request form for Duplicate Repayment Schedule. • Duplicate Repayment Schedule Charges of Rs.200/- favouring ""HDFC Bank Ltd Loan Account No. << >>"" • In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided. "

"• Yes, a co-applicant is required for all Full-Time courses . • Primary Co-Applicants –Parents, Spouse, Siblings • Secondary Co-Applicants- Father-In Law, Mother-In-Law, Brother-In-Law,Paternal/Maternal Uncle/Aunt "

"You can take an Education Loan for the following: • Engineering/MS • MBA/PGBM • Medical • Hotel Management *Other courses may be considered on a case to case basis "

Education loan is normally taken for financing Tuition fees, living expenses (hostel etc.), books and periodicals and sometimes traveling.

"• The preferred way to declare ‘Assured Funds to Universities’ • Better acceptance of the sanction letter over the solvency letter • Increases your chances of getting admission to your dream college • No last minute surprises specially during Visa time: • Know your loan eligibility in advance • Quick and hassle free process to get a sanction letter "

Yes. A moratorium holiday is available for the select courses.

Relative with a good income and who can support your education loan application. Typically it can be your father, mother, brother, sister, spouse, cousin, paternal uncle (Chacha), paternal aunt (Chachi), maternal uncle (Mama), maternal aunt (Mami), grandfather, grandmother.

Yes a co-applicant is required for all full time courses.

"In order to change your address in our records, you may visit the nearest Retail Loan Service Centerand submit the following documents: • Request form for Address Change. • Self Attested copy of your revised address proof along with the original address proof for validation. • In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided. "

"You may obtain a Duplicate Repayment Schedule for your loan account, free of charge by registering for our NetBanking facility on www.hdfcbank.com and download the repayment schedule for your linked loan account. Alternatively, you may visit the nearest Retail Loan Service Center and submit the following documents • Request form for Duplicate Repayment Schedule. • Duplicate Repayment Schedule Charges of Rs.200/- favouring ""HDFC Bank Ltd Loan Account No. << >>"" • In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided. "

"• Yes, a co-applicant is required for all Full-Time courses . • Primary Co-Applicants –Parents, Spouse, Siblings • Secondary Co-Applicants- Father-In Law, Mother-In-Law, Brother-In-Law,Paternal/Maternal Uncle/Aunt "

"You can take an Education Loan for the following: • Engineering/MS • MBA/PGBM • Medical • Hotel Management *Other courses may be considered on a case to case basis "

Education loan is normally taken for financing Tuition fees, living expenses (hostel etc.), books and periodicals and sometimes traveling.

"• The preferred way to declare ‘Assured Funds to Universities’ • Better acceptance of the sanction letter over the solvency letter • Increases your chances of getting admission to your dream college • No last minute surprises specially during Visa time: • Know your loan eligibility in advance • Quick and hassle free process to get a sanction letter "

Yes. A moratorium holiday is available for the select courses.

Relative with a good income and who can support your education loan application. Typically it can be your father, mother, brother, sister, spouse, cousin, paternal uncle (Chacha), paternal aunt (Chachi), maternal uncle (Mama), maternal aunt (Mami), grandfather, grandmother.

Yes a co-applicant is required for all full time courses.

HDFC Bank provides education loan to Indian students for higher studies in India and abroad. Credila has funded Indian students for pursuing higher studies in over 2000 institutes across 36 countries.

Yes you can apply before securing an admission.

HDFC Bank is the only lender that not only finances up to 100% of the cost of education but also gives education loan over Rs. 20 lakh.

HDFC Bank education loan offers the flexibility of paying only simple interest (PEMI) during the course period and principle plus interest (EMI) after the completion of studies and grace period.

Yes, every HDFC Bank borrower or co-borrower (any one) is entitled for Tax benefit under 80E of Income Tax Act, 1961.

Yes. The tuition and hostel fees (if any) will be disbursed directly to the educational institute as per the schedule and structure of fees given by them.

For loans up to Rs. 4 lakh - No collateral or Third Party Guarantee is required

Yes. A moratorium/repayment holiday is available for select courses.

The maximum tenure of the loan can be 7 years, including the Moratorium period.

You have the option of servicing simple interest during moratorium period. Simple interest will be calculated on the loan amount disbursed payable monthly.

You have the option of repaying the loan through a Standing instruction, ECS or post-dated cheques.

To study abroad, the maximum loan amount you can get is up to Rs. 20 lakhs.

A repayment moratorium (also called a repayment holiday) is the course work period + 1 year or 6 months after the student gets a job or starts earning, whichever is earlier.

You have the option of repaying the loan through an ECS.

You have the option of servicing simple interest during moratorium period. Simple interest will be calculated on the loan amount disbursed payable monthly.

Security which can support your loan amount is collateral. It can be a flat, house, non-agricultural land, fixed deposit, etc. Sufficient and good collateral security improves loan application significantly.

"Usually, middle-income group people apply for education loans. However, because of: • Rapidly rising costs of education • Income tax benefit under 80 E of IT Act • Students wanting to take their own financial responsibilities to preserve the parents savings • build positive credit history Even affluent families are going for education loan "

Margin Money upto Rs. 4.00 lacs - Nil, For loans above Rs. 4.00 lacs - 15%.

If you are an Indian resident/citizen, have got admission for a job oriented professional / technical courses offered by reputed universities, MBA, MCA, MS, etc, Degree / diploma courses like aeronautical, shipping, etc provided these are recognized by competent regulatory bodies in India/abroad for the purpose of employment in India / abroad.

Post Dated Cheques (PDCs)/Security Cheques submitted towards loan repayment that have not been encashed, will be defaced and retained by the Bank. In case, you wish to have your old Post Dated Cheques(PDCs)/ Security Cheques to be returned to you, kindly lodge a request at the Retail Loan Service Center or through Phone Banking or write us an email at www.apnaloanbazaar.com within 45 days from the date of application of change in repayment instructions. In case, we do not hear from you within the stipulated period, the defaced cheques will be destroyed.

"In order to change your address in our records, you may visit the nearest Retail Loan Service Centerand submit the following documents: • Request form for Address Change. • Self Attested copy of your revised address proof along with the original address proof for validation. • In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided. "

"In the event that you wish to change the mode of repayment/bank account for your loan repayment, you may visit the nearest the Retail Loan Service Center and submit your request with the revised account mandate/instructions. You can opt to repay through alternate repayment instructions as follows: 1) Standing Instructions: We offer the Standing Instructions (SI) facility whereby we can directly debit your HDFC Bank account for EMI amounts on due dates. Please submit the following at your nearest Retail Loan Service Centre: • Request form for swap of repayment instructions. • 3 Security cheques favoring ""HDFC Bank Ltd Loan Account No. << >>"", each undated and filled with a value equal to the sum of 3 EMIs. • SI mandate duly filled and verified by HDFC Bank. • In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided. 2) Electronic Clearing Service (ECS): We offer the ECS facility whereby we can directly debit your non-HDFC Bank account for EMI amounts on due dates. Please submit the following at your nearest Retail Loan Service Centre: • Request form for swap of repayment instructions. • Security cheques favoring ""HDFC Bank Ltd Loan Account No. << >>"" *** • ECS mandate duly filled and verified by your banker. • ACH(Automated Clearing House) Mandate. • Swap Charges of Rs.500/- favouring ""HDFC Bank Ltd Loan Account No. << >>"" • In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided. ***Security Cheques: You need to issue 1 security cheque for every 6 Equated Monthly Installments (EMI). The amount on each security undated cheque should be equal to the sum of 3 EMIs. For example, if your EMI amount is Rs. 1000 and you have paid 18 EMIs for a 36 month loan tenure, you need to submit 3 Security Cheques of Rs. 3000 each. 3) Post-dated Cheques (This mode is allowed only if the location is non ECS): Please submit the following documents at your nearest Retail Loan Service Center: • Request form for swap of repayment instructions • Revised post dated cheques in favour of ""HDFC Bank Ltd Loan Account No. << >>"" for the balance EMIs. • ACH(Automated Clearing House) Mandate • Swap Charges of Rs.500/- favouring ""HDFC Bank Ltd Loan Account No. << >>"" In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided. "

You can borrow loan amount from Rs. 50,000 to Rs.20 Lakhs depending on your eligibility basis the financial documents submitted, repayment capacity and loan amount limit in your respective location.

RBL Bank offer Education Loan as a term loan which can be repaid in easy EMIs (Equated Monthly Installments). EMI can be paid through NACH / ECS facility, Standing Instruction to debit your RBL Bank account or though Post Dated Cheques with your EMI amount.

The Bank would update you about the loan decision in approximately 10 working days from the date of receipt of the completed application form with all the required documents.

RBL Bank offers Education loan with various options such as Unsecured, Partially secured and fully Secured.

No, RBL bank offers Education at 0% processing fee.

No foreclosure charges are levied for prepayment of Education loan. Please refer to the schedule of charges for more details.

You get the benefit of easier documentation if you have a Current / Savings Account with RBL Bank.You can avail paying your EMI through Standing Instructions to debit your RBL Bank Account for the loan. This will be taken into consideration at the time of disbursal of the loan.

Applicant can apply for an Avanse Education Loan if he/she is: An Indian Citizen Student above Secondary School Certificate Has a confirmed admission at the Institute before final disbursement of the education loan. Other factors considered in the evaluation are good academic record, recognition granted to the institution (rating) the student has opted to pursue his higher education in and regular source of income of the parents.

The applicant can apply anytime for an Avanse Education loan; the disbursement however happens once Avanse receives the admission confirmation from the institute for the course he/she wishes to pursue. Avanse also offers Pre-Admission Loans (PAL) in case the student has applied or is awaiting confirmation of admission from the university.

With the cost of education continually on the rise and the limited availability of financial assistance or scholarship aid, higher education funding can be very challenging. At Avanse, we understand this and hence offer a Pre-approved Education Loan, basis the credit worthiness of the applicant/s (parents/ guardian/co-borrower/borrower). A student can use this to present the as proof of funds while applying for admissions to different universities/institutes. In fact, with an Avanse Pre-approved Education Loan, an applicant can strengthen his/her case for admission, including the choice of course. It therefore makes sense to get a Pre-approval NOW, for a need that may occur later.

An Applicant should ideally start early. They should start the loan application process as soon as they know what college/institute/university they plan to attend, the cost of the course/course fees for the current academic year and, if possible, provide proof of enrolment/admission confirmation. The applicant should allow himself 6 to 8 weeks from the time of the initial application, until their school receives the funds.

Avanse Financial Services Limited is a Non-Banking Financial Company (NBFC) promoted by the Dewan Housing Finance Corporation Limited (DHFL) group and is regulated by the Reserve Bank of India. Its aim is to enable financial access for higher education.

Avanse is a Focused Education Loan Provider. It believes in enhancing the whole experience of higher education finance through its applicant-oriented and transparent approach. The difference is as under: Customised loan structuring Maximum Loan amount with 100% coverage of cost of education Competitively priced schemes Personalized counseling to educate the borrower At-your-door services Use of expertise and technology to deliver a hassle-free experience Pre-visa disbursements, Pre-Admission Loan.

Yes, Avanse offer balance transfer facilities at competitive pricing.

We are all ears when it comes to our applicants, so getting in touch with us for any query, complaint or suggestions is very easy; The Applicants may get in touch with a loan servicing officer from any branch closest to you The applicants can call Avanse toll free no at 1800 833 6333 The applicants could write to us at response@avanse.com Avanse will respond to your concern at the shortest possible time.

Yes, the applicant can apply for an Avanse education loan once again. However, it is important that he/she fulfil all the documentation and compliance requirements before re-applying to us.

Yes, a good academic record is preferred as it shows the student’s level of commitment to his/her curriculum and career, thus giving us the confidence to finance his/her career aspirations. However, this is not the only parameter used to evaluate the loan eligibility.

Yes, we do finance courses for admissions secured through payment seats/ management quotas.

Avanse focuses on enabling your future and hence we do fund aspirants pursuing higher education through part-time, correspondence or online programs. However, we must recognize the course as per norms prescribed and regulated by the management at Avanse Education Loans.

Avanse Education Loans are structured based on the requirement of finance, subject to the repaying capacity of the parents/student. Our loan limits are broadly categorized as mentioned below: Studying in India Minimum: Rs. 50,000 Studying abroad Minimum: Rs.1,00,000/-

At Avanse, the focus has always been to help the students in their pursuit of a higher education. Hence, we look at tailor-made loans that suit the students choice of education, subject to the course and the college/institute/university meeting Avanses credit policies and requirements. Broadly, we cover the following: Graduation, post-graduation, including regular technical and professional degree/diploma courses conducted by colleges/universities approved by UGC/ AICTE/IMC/Govt. etc. Regular degree/diploma courses conducted by autonomous institutions like IIM, IIT, ISB, etc. Graduation/post-graduation for job-oriented professional/technical courses offered by reputed or recognised universities outside India. Regular degree/diploma courses like aeronautical, pilot training, shipping etc., approved by Director General of Civil Aviation/Shipping. Vocational training, executive programs and other courses that have been approved by Avanse will be eligible for financing.

An Avanse education loan provides the maximum loan amount i.e. 100% of the cost of education. It covers the following expenses that arise in your higher education commitments:< 100 % Tuition Fees as determined by the institute/university. Living expenses including books, computer, and project expenses, up to 75% of total living cost. (Not exceeding 20% of the total tuition fees payable for complete course). Travelling expenses up to Rs 75,000 for students traveling abroad. Insurance premium (In cases where student takes insurance from Avanse preferred insurance provider). Caution deposit, building fund supported by institution bills/receipts (not exceeding 10% of total tuition fees).

Avanse ensures that it follows all compliances and regulations as deemed by the concerned government bodies and policies; this is to ensure good credit practises, which is beneficial to the borrower as well as to the lender. Our documentation requirements are simple and are categorized as below: Student KYC Student educational documents Course cost or fee details Co-borrower KYC Co-borrower income documents Collateral documents For the complete details on the documents required, please click hereIt is beneficial and reduces the turnaround time substantially if you submit all the documents as per the checklist upfront. Also, please do not forget to self attest all the submitted documents to prevent misuse.

Yes, there is a single fee, which usually ranges from 1-2% of the loan amount; it is charged for the complete processing of your loan application.

Margin amount is the amount that the applicant pays through his own source as a down payment or his own contribution towards the education. However, at Avanse we do not ask for margin money as our loans are designed to provide 100% funding of the cost of education.

Yes, customers can prepay their loan; charges for the same shall be applicable as per the prevailing policy of Avanse.

Yes it may change. Avanse offers loans at floating rates, which may change depending on the external economic conditions and internal company policies.

Minimum repayment period: 12 months Maximum repayment period: 120 months Grace period, moratorium/holiday period of 6 months after the course completion or 3 months after the candidate has obtained employment.

Avanse offers flexible repayment options. The student may choose to opt for the one most conducive to him/her: EMI payment during the course Interest servicing during course Partial interest servicing during course

Holiday period or moratorium is the tenure, which commences from the disbursal of the loan to the time the borrower makes his/her first Equated Monthly Instalment (EMI) payment. The repayment does not start in this period. A holiday period is the maximum time a student gets before he / she can start paying back the principal loan in the form of EMIs. At Avanse, the holiday period is 6 months after the course is completed or 3 months after the candidate has obtained employment, whichever is earlier. It is to be noted that though EMI repayments are generally not due during the holiday period for full-time, masters level courses, it is financially beneficial for the borrower/s if he/she is able to start repaying EMI during the moratorium itself. The principal moratorium option (i.e. simple interest repayment during the course) is generally not offered for courses that are at the bachelors level or are part-time in nature.

The education loan amount is disbursed in Indian Rupees. The tuition and hostel fee will be directly disbursed to the educational college/institute/university, in instalments, as per the requirement of the specific educational institute. The loan amount related to other expenses will be disbursed in instalments, spread over the duration of the study and ideally will be transferred to the co-applicant’s account. In case the student does not reside at the hostel, the fee will be transferred to the co-applicant’s account. However for courses outside India, the loan amount shall be transferred as per agreement with the third party i.e FOREX service provider.

Recognized institutes refer to those that are affiliated to the State/Central universities and come under the Central Government University Grants Commission (UGC) programs or the All India Council on Technical Education (AICTE). The majority of the colleges in India fall within the ambit of the UGC and AICTE. Reputed institutes on the other hand are those that are pretty well known and have standard courses of repute. The definition of reputed institutions might vary with financial institutions. At Avanse we usually have a list of colleges and institutions that are considered reputed.

At the initial stage of application for an education loan with us, we verify the tenure of the course, fee tranches, and determine the cost of the entire course, as applicable at that point of time. Then, each year, the applicant is required to submit a form available at Avanse that gives the details of the subsequent fee requirement, and then the same is disbursed directly to the college/institute/ university.

No, the security coverage depends on the applicants merit and credit-worthiness and varies from case to case. Though, we advise that each customer offers the maximum collateral they have, as it opens up ample options for maximum loan eligibility and competitive interest rates during structuring.

Security for the loan is determined by the quantum of loan required and the credit worthiness of the principal borrower. At Avanse the following types of Collateral Security are accepted : Residential property (house/flat/apartment/plot) Fixed deposit assigned to Avanse Life insurance with surrender value equivalent to required security coverage. Commercial property/non-residential property as per Avanse policy.

Credila Education Loan depends on multiple factors such as: Academic background of the student Type of course and University for which education loan is applied for If collateral is offered against the loan or not. Type of collateral offered. Co-borrower/guarantor on the loan. Job profile of the co-borrower etc

Banks and other lenders normally check: 1. Students past academic track record 2. Quality of institute/college and course the student wish to pursue 3. Student’s ability to get an appropriate job after the course that he/she is seeking education loan for 4. Also, the potential salary is also estimated to calculate eligibility of loan amount 5. Also, credit histories of the applicant and co-applicants play an important role in approval 6. Lastly, the value and type of property being offered as collateral security for higher value loans also play an important role in decision

Yes. HDFC Bank is a group company and we are very sensitive towards our existing customers. You will get best of services and product considerations.

Credila generally require family members as co-borrowers. It again depends on your overall profile and the study course you are interested in. Credila have different product propositions for different study courses.