J&K bank Education Loan Details

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J&K BANK EDUCATION LOAN

Interest
Rate

Loan limit	Interest Rate
Upto 10 Lacs	10.3%
Above 10 lacs	11.3%

Loan Amount &
Security

Secured	Unsecured
Above 4 lacs	Upto 4 Lacs

Charges &
Repayment

Processing fees	Nil
Repayment period	10-15 years
Moratorium period	Study period + 12 months

Eligibility
Criteria

Indian Nationals
Admission guaranteed

Key Benefits &
Coverage

Margin	Upto 4 Lacs - Nil Above 4 lacs - 5% for study in India Above 4 lacs - 15% for abroad study
Course covered	Indian Courses - Courses conducted by colleges/universities approved by UGC/ AICTE/IMC/Govt. etc. Indian Courses - Courses conducted by autonomous institutions like IIT, IIM etc. Indian Courses - Teacher training/ Nursing courses approved by Central government or the State Government Indian Courses - Courses approved by Director General of Civil Aviation/Shipping/ concerned regulatory authority Courses Abroad - Courses like MCA, MBA, MS, etc. offered by reputed universities
Expenses covered	College fees, book & laptop purchase, travel expenses and any education related expenses.

Required
Documents

	Student	Co-Borrower
KYC	Aadhaar 2 passport photo Passport(if going abroad)	Aadhaar & Pan card residence proof
EDUCATION	Admit letter cost of study statement, X & XII mark sheet	---
INCOME	Pan card 6 months bank account statement	6 month bank account statement ITR of last 2years/ Form 16 Income proof(salary slip)
SECURITY	---	Assets and liabilities brief statement

Mr. Nitish Dubey

Email ID: care@credenc.com

Phone No.: 1800 121 0057

Address: Ground Floor, Building-10, Tower-A, Cyber City, DLF Phase 2, Gurugram, Haryana 122002

Registered Office :

2nd Floor, DLF Centre, Sansad Marg,
New Delhi – 110001

Corporate Office :

Ground Floor, Building-10, Tower-A, Cyber City, DLF Phase 2, Gurugram, Haryana – 122002

CIN No. - U74999DL2017PTC319926

Lender	Name	Interest Rates Offered*	Contact Details	Recovery Practices
	Capital India Finance Limited Link: https://www.capitalindia.com/	10% to 25%	Tele calling by In-house team, followed by field visits from Internal teams (as required)
	Capital India Home Loans Limited	15% to 25%	Tele calling by In-house team, followed by field visits from Internal teams (as required)
	Capital India Home Loans Limited	15% to 25%	Tele calling by In-house team, followed by field visits from Internal teams (as required)
	Capital India Home Loans Limited	15% to 25%	Tele calling by In-house team, followed by field visits from Internal teams (as required)
	Capital India Home Loans Limited	15% to 25%	Tele calling by In-house team, followed by field visits from Internal teams (as required)