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Loans & Advances

With Loans & Advances , your family's finances remain intact. So, they do not have to worry about managing medical emergencies or saving for retirement after paying for your education.

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Loans & Advances

- The Answer to All Your Education Expenses

"You have to dream before your dreams can come true. - A. P. J. Abdul Kalam

You've done almost all the hard work to turn your dream into reality. We can help you cross the finish line. With an Rozgar education loan in India, you can focus on your course in the institute of your dreams and we'll take care of all the finances. From college tuition to living expenses, we'll help you deal with all the costs!

We've made the education loan application process super smooth. Start your educational loan application with a few easy clicks and we'll have a loan consultant call you to guide you through the education loan process. Should you require a face-to-face meeting, we'll have an executive come over with all the paperwork you need. Remember, we're more than just education loan providers - we're your education financing partner for the future!

Why do you need Loans?

Looking for financing options for your higher education can seem like an overwhelming decision.

If you're not sure why you should opt for an education loan, here are a few good reasons to convince you:

Better Financial Planning

With education loans, your family's finances remain intact. So, they do not have to worry about managing medical emergencies or saving for retirement after paying for your education.

Earn the Self-made Badge

With an education loan for students in India, you manage the expenses independently. You can pride yourself on being 100% self-made!

Better Credit Score

An education loan allows you to build a credit score right from the time you turn 18. With a good credit score, you can secure the best deals on future loans.

Proof of Funds

Your education loan allows you to show your college the proof of funds. It also helps you pay for living and travel expenses without breaking the bank.

Easy Repayment

You get more than enough time to secure employment before you need to start repaying your education loan!


Why Choose Us?


100% Finance

Our education loans cover your course fee, the cost of books, housing, travel and even your college laptop! You don't have to worry about anything except getting your degree.


Customised Loans

Every student, course and university is different. So, we provide tailored educational loans to meet your unique needs.


Flexible Repayment Options

We offer repayment options that you can customise based on your financial needs. With Rozgar, you're on your way to financial independence.


Fast-track Loans

Sometimes, you need to show proof of funds before you can secure your admission and apply for a visa. We process your educational loan paperwork with lightning speed, so you have everything you need to start your higher studies.


End-to-End Support

Students need more than money to turn their dreams into reality. We also offer financial guidance and several other resources to help you make informed decisions.


Quick Applications

You can complete the education loan process from the comfort of your home when you apply for an education loan online. Our executives provide doorstep services, ensuring your online education loan application is ready on time!

Are you wondering how to apply for an education loan?

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Factors to Consider Before Applying for an Education Loan

Many students may have a question - how to get an education loan? You have to consider a few things before applying for an education loan in India. Let's take a look at what they are:

Find the Right Course and Institute

When the time comes to pick a career, you need to be sure of what you're doing. Education loans are long-term commitments, so you must ensure that you're headed in the right direction. Once you know what you want to do, check if you can get an educational loan to help finance your future. Most financiers provide education loans for certified courses at reputed institutes. You need to check whether your course and institute meet the minimum requirements.

Understand Your Eligibility

Your education loan eligibility also depends on your co-borrower's financial background to some extent. Your current financial standing and your family's annual income will be considered during your loan application evaluation. When you opt for an education loan without collateral, your eligibility will help the lender understand the best loan amount for you and your needs. It's a good idea to consult an education loan expert and understand your eligibility before you apply for an education loan.

Maintain a Good Academic Record

If you think you'd like to apply for an education loan for your higher education, you need to maintain a good academic record. If you've consistently performed well in school, we can offer you better rates and loan amounts for your educational loan. If you want to know how to get an education loan easily, let us tell you that with a good record, you can improve your chances of getting the education loan sanctioned.

Get Your Documents in Order

Before you can apply for an education loan, you should know what documents you need to submit along with the application. When you get your papers in order, you can benefit from instant education loan approvals. If you do not have some education loan documents, your educational loan application can get delayed.

Consider the Processing Time

At Rozgar, we can do our best to complete the education loan procedure as quickly as possible. But you must allow us enough time to complete all our loan approval processes. We require a few days to check all your paperwork and disburse the amount to you. If you require the funds urgently, you can apply for fast-track education loans, but even that could take a couple of days. So, you must apply for education loans in advance to avoid delays.

Who Is Eligible for Loans?

Individuals who want financial help with their higher studies can apply for education loans if they:

  • Are Indian citizens who are 18 or older
  • Have a confirmed admission before the final disbursal
  • Have a co-borrower who earns in India

Co-borrowers also need to meet the following education loan criteria:

  • Must be an Indian citizen and should be a parent, legal guardian, sibling or other blood relative
  • Must have a bank account in India that allows them to sign cheques
  • Must be the primary debtor

Frequently Asked Questions

It's okay to have questions, because we've got answers!

1What criteria must I meet to apply for an Rozgar Education Loan?

To benefit from an Rozgar Education Loan, you must be an Indian citizen over the age of 18, have a confirmed seat at your preferred institute and should have cleared your 10th standard exams.

It will greatly benefit your application if you have a good academic record and your co-borrower has a steady source of income. To enhance your higher education, you should find institutions that have a good rating.

2 When is the ideal time to apply for an Rozgar Education Loan?

There's no such thing as a bad time when it comes to applying for an education loan. Ideally, you should start the process roughly 8 months before your course is scheduled to start. Having said that, you must understand that we can only release the funds once the institution confirms your admission. If you require emergency funds, you can apply for a Pre-Admission Loan (PAL).

3What is the Rozgar pre-approved education loan? Will it work for me?

A pre-approved education loan lets your institution know that you have the funds required to complete the course abroad. It works as a proof of funds certificate, something that many higher education institutes abroad require.

4 I want to ensure my course fee is paid on time. So, how early should I apply for the loan?

At Rozgar, we believe that the early bird gets the education loan. You should start applying for a loan as soon as you have an idea of which institute you want to attend and what the fees will likely be for the year. We may take between 6 to 8 weeks to disburse the fees to the institute, so you can plan accordingly.

5 Many banks also offer education loans. What makes Rozgar different?

At Rozgar, we specialise in education loans and nothing else. We will walk you through the entire loan process and ensure that you have no stress at all while preparing for your higher studies. We also provide:

  • Bridge loans
  • Score-based benefits
  • Pre-admission loans
  • Fast-track loans
  • Funds availability certificate

You also benefit from:

  • 100% financing
  • Flexible repayment options
  • Quick sanctions
  • Customisable loans
  • Door-step service
6 What documents do I need to apply for an Rozgar education loan?

To complete your application, you will have to provide the following documents:

  • Student KYC and educational documents
  • Details regarding the course and fees
  • Co-borrower KYC and income details
  • Collateral documents
7 Are there any processing charges for my loan?

At Rozgar, we charge a one-time processing fee that amounts to around 1-2% of your total loan amount.