🎓 Education Loan · India · 2026

Education Loan Rates:
What's Fair in 2026?

Current market rates and benchmarks. Use this before accepting any offer.

Market benchmark: Education Loan

Current rates by bank

Government subsidy: Under the Central Sector Interest Subsidy (CSIS) scheme, students from economically weaker sections get full interest subsidy during the moratorium period on loans up to ₹7.5L. Check your eligibility at Vidya Lakshmi portal.

Bank / Lender	Rate Range	Max Amount	Verdict

SBI Student Loan8.65% – 11.15%₹20L domesticBest rate Bank of Baroda9.15% – 10.65%₹80L abroadCompetitive HDFC Credila10.50% – 13.75%₹1.5CrPremium product Avanse Financial11.00% – 14.75%₹1.5CrHigher range Propelld10.50% – 14.25%₹50LSpecialised ICICI Bank10.25% – 14.25%₹1CrVaries by college Axis Bank13.70% – 16.00%₹75LExpensive

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Education Loan Rates:What's Fair in 2026?

Is your education loan rate fair?

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Education Loan Rates:
What's Fair in 2026?