A digital-first NBFC, InCred offers collateral-free loans, quick approvals, and a tech-enabled application process with tailored repayment flexibility.
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Basic bank details
Maximum Loan Amount
Up to ₹1 Cr
Interest Rate Range
~10.5%-13.5%
Margin Money
0%
Processing Fees
~0.9%-1.5% + GST
Moratorium Period
Study + 6-12 M
Repayment Tenure
10-15 Years
Loan Type
Processing Time
7-10 days
Loan Repayment Method
Eligibility Criteria
Indian Citizenship: Must be Indian national for InCred education loan eligibility.
Age Limit: Applicant 18+ years for study abroad loan India.
Academic Strength: Solid track record with GRE/IELTS/TOEFL scores, GRE key for US in InCred overseas student loan.
University Enrollment: Confirmed spot in recognized global institution for InCred study abroad loan.
Co-Borrower: Family member or guardian with steady earnings and credit for InCred education loan.
Program Coverage: Graduate/postgraduate/diploma/certificate/doctorate in major fields for InCred international student loan.
Destination Options: USA, UK, Canada, Australia, New Zealand, France, Germany, Ireland and other key countries for InCred overseas education loan.
Security Flexibility: No collateral up to INR 1 Cr; property/FD for higher limits in InCred student loan without collateral.
Document Requirement
ID Verification: PAN/passport (mandatory for abroad)/driver's license/voter ID for InCred student loan application.
Address Confirmation: Utility bill/Aadhaar for study abroad loan India.
Academic Proofs: 10th/12th/UG marksheets and entrance results for InCred education loan.
Admission Evidence: Offer/conditional letter for InCred overseas education loan.
Expense Outline: Full cost breakdown for InCred study abroad loan.
Photos: Passport-size images for InCred loan processing.
ID Verification: PAN/passport/driver's license/voter ID for InCred co-borrower.
Address Confirmation: Utility bill/Aadhaar for study abroad loan co-applicant.
Income Evidence (Salaried): 3 months salary slips/Form 16/ITR/bank statements/assets-liabilities for InCred education loan.
Income Evidence (Self-Employed): Business proof/ITR/TDS/professional certificate/bank statements/assets-liabilities for InCred overseas education loan.
For Secured Loans:
Asset Papers: Property deeds/FD details/ownership chain for secured InCred loan.
Key Features
High Unsecured Limits: Up to INR 1 Cr without security for InCred education loan.
Total Expense Funding: 100% coverage of fees/living/travel for study abroad loan India.
Attractive Rates: Starting 11% floating for InCred loan interest rates 2025.
Long Tenure: Up to 15 years including moratorium for InCred overseas student loan.
Quick Digital Process: Instant approvals online for InCred study abroad loan.
No Margin Needed: Zero borrower contribution for InCred international student loan.
Penalty-Free Prepayment: Anytime closure without charges for InCred education loan.
Broad Reach: Supports all major destinations and courses for InCred overseas education loan.
How does it work
Total Processing Time
Upload documents securely, get instant verification, and track your application 24/7 through our online platform
Expert Personal Support
Dedicated relationship manager with multilingual support to guide you through the entire loan process
Fastest Loan Processing
Get your education loan approved 3x faster than traditional bank applications with our streamlined process
FAQ
