Financial Aid
Tata Capital Education Loan
Receive expert, personalized guidance at no cost from VITTIYA to navigate education financing, ensuring a smooth journey to securing the funding you need for your studies in India or abroad.
The Process Explained
How It Goes
Easy 5-Step Digital Journey to Secure Your Education Loan
Ensure Your Loan Eligibility
Check your eligibility & get conditional loan offers
instantly.
Speak with Loan Experts
Connect with our loan counselor to better understand the process.
Share Documents & Fill the Form
Complete required forms & submit documents for bank verification.
Settle Your Best Loan Offer
VITTIYA secures the best rates & maximum loan amount for you.
Get Loan Approval & Disbursement
Get fast loan approval & quick fund
disbursement.
Ensure Your Loan Eligibility
Check your eligibility & get conditional loan offers
instantly.
Speak with Loan Experts
Connect with our loan counselor to better understand the process.
Share Documents & Fill the Form
Complete required forms & submit documents for bank verification.
Settle Your Best Loan Offer
VITTIYA secures the best rates & maximum loan amount for you.
Get Loan Approval & Disbursement
Get fast loan approval & quick fund
disbursement.
Study Abroad
Tata Capital Bank Education Loan for Abroad Studies
All you need to know about Tata Capital bank education loan for studying abroad
Overview of Tata Capital
Tata Capital, a trusted arm of the Tata Group, was established in 2007 and serves as the financial services wing of Tata Sons. Headquartered in Mumbai, it operates through over 100 branches across India. As an NBFC, Tata Capital provides a wide range of financial services including personal loans, commercial finance, and wealth management.
At VITTIYA, we assist students in availing unsecured education loans from Tata Capital, specifically for STEM and Management programs. Please note that Tata Capital does not offer secured education loans at this time.
Features of Tata Capital Education Loan for Abroad
| Feature | Details |
|---|---|
| Loan Amount | US Universities: Non-US Universities: |
| Interest Rate | 11.50% - 12.75% |
| Loan Tenure | Up to 13 Years |
| Processing Fee | 1% + GST |
| Repayment During Moratorium | PSI / SI / EMI |
| Minimum Co-Applicant Income | ₹25,000 and Above |
| Insurance | Upto 2% of the Loan Amount |
Eligibility for Tata Capital Education Loan for Abroad
- Age: 18–35 years
- Co-Applicant: Must be a blood relative
- Co-Applicant Age: Up to 60 (salaried) / 65 (self-employed)
- FOIR (Fixed Obligation to Income Ratio): Minimum 65%
- Academic Requirement: Minimum 60% in last qualification
- Credit Score: CIBIL 700+ preferred (exceptions possible)
- Citizenship: Indian citizen
- Admission Proof: Must have confirmed admission to a recognized institution
Documents Required for Tata Capital Education Loan for Abroad
Submitting the right set of documents is essential to ensure a smooth evaluation and approval of your Tata Capital education loan application. Both the student (applicant) and the co-applicant (usually a parent or guardian) need to provide documents that verify identity, academic background, financial stability, and other relevant details. Below is an overview of the commonly required documents for both parties.
Applicant’s Documents
- ID Proof: PAN, Passport, DL, Voter ID
- Address Proof: Aadhaar, Utility Bills, DL, etc.
- Entrance Exams: GRE/GMAT/TOEFL (if applicable)
- Loan application form
- Academic records: 10th, 12th, UG semester-wise marksheets
Salaried Co-Applicants
- Salary Slips (last 3 months)
- Form 16 (last 2 years)
- Bank Statement (last 6 months – salary account)
- Assets & Liabilities Statement
Self-Employed Co-Applicant
- Business Address Proof
- ITR (last 2 years)
- TDS (Form 16A if applicable)
- Qualification Certificate (C.A., Doctor, etc.)
- Bank Statement (last 6 months)
- Assets & Liabilities Statement
Benefits of Getting a Tata Capital Education Loan Via VITTIYA
- Higher Approval Chances: VITTIYA ensures you meet Tata Capital's eligibility before applying, boosting your approval chances.
- Personalized Document Checklist: Get a custom list of required documents based on your profile.
- End-to-End Support: VITTIYA handles the entire process, following up with the lender for faster loan approval.
- Free Guidance: A dedicated education loan expert supports you throughout—at no cost.
- Best Loan Guarantee: Found a better offer? VITTIYA covers the difference in interest for the entire loan term. documents online and track your loan application with regular updates—no branch visits needed.
How to Apply for an Tata Capital Education Loan via VITTIYA
The process of starting a loan application with Tata Capital is straightforward. Follow these steps:
Check Eligibility
Use VITTIYA’s loan eligibility tool to see if you qualify based on academics, admission, and credit profile.
Get Expert Guidance
A dedicated loan expert will guide you and share a personalized document checklist.
Submit Documents
Provide all required academic and financial documents for verification by Tata Capital.
Approval & Disbursal
Once approved, review the terms, sign the agreement, and receive the funds directly.
Overview of Tata Capital
Tata Capital, a trusted arm of the Tata Group, was established in 2007 and serves as the financial services wing of Tata Sons. Headquartered in Mumbai, it operates through over 100 branches across India. As an NBFC, Tata Capital provides a wide range of financial services including personal loans, commercial finance, and wealth management.
At VITTIYA, we assist students in availing unsecured education loans from Tata Capital, specifically for STEM and Management programs. Please note that Tata Capital does not offer secured education loans at this time.
Features of Tata Capital Education Loan for Abroad
| Feature | Details |
|---|---|
| Loan Amount | US Universities: Non-US Universities: |
| Interest Rate | 11.50% - 12.75% |
| Loan Tenure | Up to 13 Years |
| Processing Fee | 1% + GST |
| Repayment During Moratorium | PSI / SI / EMI |
| Minimum Co-Applicant Income | ₹25,000 and Above |
| Insurance | Upto 2% of the Loan Amount |
Eligibility for Tata Capital Education Loan for Abroad
- Age: 18–35 years
- Co-Applicant: Must be a blood relative
- Co-Applicant Age: Up to 60 (salaried) / 65 (self-employed)
- FOIR (Fixed Obligation to Income Ratio): Minimum 65%
- Academic Requirement: Minimum 60% in last qualification
- Credit Score: CIBIL 700+ preferred (exceptions possible)
- Citizenship: Indian citizen
- Admission Proof: Must have confirmed admission to a recognized institution
Documents Required for Tata Capital Education Loan for Abroad
Submitting the right set of documents is essential to ensure a smooth evaluation and approval of your Tata Capital education loan application. Both the student (applicant) and the co-applicant (usually a parent or guardian) need to provide documents that verify identity, academic background, financial stability, and other relevant details. Below is an overview of the commonly required documents for both parties.
Applicant’s Documents
- ID Proof: PAN, Passport, DL, Voter ID
- Address Proof: Aadhaar, Utility Bills, DL, etc.
- Entrance Exams: GRE/GMAT/TOEFL (if applicable)
- Loan application form
- Academic records: 10th, 12th, UG semester-wise marksheets
Salaried Co-Applicants
- Salary Slips (last 3 months)
- Form 16 (last 2 years)
- Bank Statement (last 6 months – salary account)
- Assets & Liabilities Statement
Self-Employed Co-Applicant
- Business Address Proof
- ITR (last 2 years)
- TDS (Form 16A if applicable)
- Qualification Certificate (C.A., Doctor, etc.)
- Bank Statement (last 6 months)
- Assets & Liabilities Statement
Benefits of Getting a Tata Capital Education Loan Via VITTIYA
- Higher Approval Chances: VITTIYA ensures you meet Tata Capital's eligibility before applying, boosting your approval chances.
- Personalized Document Checklist: Get a custom list of required documents based on your profile.
- End-to-End Support: VITTIYA handles the entire process, following up with the lender for faster loan approval.
- Free Guidance: A dedicated education loan expert supports you throughout—at no cost.
- Best Loan Guarantee: Found a better offer? VITTIYA covers the difference in interest for the entire loan term. documents online and track your loan application with regular updates—no branch visits needed.
How to Apply for an Education Loan via VITTIYA
The process of starting a loan application with Tata Capital is straightforward. Follow these steps:
Check Eligibility
Use VITTIYA’s loan eligibility tool to see if you qualify based on academics, admission, and credit profile.
Get Expert Guidance
A dedicated loan expert will guide you and share a personalized document checklist.
Submit Documents
Provide all required academic and financial documents for verification by Tata Capital.
Approval & Disbursal
Once approved, review the terms, sign the agreement, and receive the funds directly.
yOUR ANSWER
Frequently Asked Questions
What are the eligibility criteria for a Tata Capital abroad education loan?
To qualify for a Tata Capital abroad education loan, the applicant must be an Indian citizen aged between 18 and 35, with at least 60% marks in their last academic degree. A blood relative must co-apply, and their Fixed Obligation to Income Ratio (FOIR) should be at least 65%. A CIBIL score of 700 or higher is preferred.
What documents are required to apply for a Tata Capital education loan?
To apply for a Tata Capital education loan, you’ll need documents like identity and address proof, academic records, entrance exam scores, admission proof, and a statement of expenses. The co-applicant must also provide identity and address proof, along with financial documents such as bank statements and income proof.
What is the interest rate for a Tata Capital education loan for studying abroad?
Tata Capital’s education loan interest rates for studying abroad depend on the applicant’s profile and the co-applicant’s financial background. For the most accurate and personalized rates, it’s best to check Tata Capital’s website or consult a Vittiya Education Loan Counselor.
How long does it take for Tata Capital to process an education loan application?
Tata Capital typically processes an education loan within 7 to 10 days after receiving all required documents, though the timeline may vary based on document completeness and verification speed.
Can I get an unsecured education loan from Tata Capital?
Yes, Tata Capital provides unsecured education loans for studying abroad, based on the financial profile and creditworthiness of the applicant and co-applicant.