Education Loans at 8.5% p.a.

CapitalFlax partners cover 100% of the cost of education, including tuition fees, hostel/accommodation expenses, examination/library fees, travel expenses, laptop purchases, and reasonable living expenses for overseas studies.

For premier institutions (like top IIMs, IITs, or Ivy Leagues), unsecured loans up to ₹50 Lakhs (and sometimes more) are available. For other institutes, collateral (residential or commercial property) is required for loans exceeding ₹7.5 Lakhs.

A moratorium period is a grace period consisting of the course duration plus 6 to 12 months, during which the student is not required to pay the EMI (only simple interest may be serviced).

Yes, you can apply for a pre-approved conditional sanction letter which can be used to prove your financial ability to universities during the application or visa process.

Your parents, spouse, siblings, or parents-in-law can act as a financial co-applicant. They must have a stable income and a good credit score (typically 700+).