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                                                                                                                                                                    Education loan
                                                                                                                                                                    These banks are offering the best rates on education loans 
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                                                                                                                                                                              1. New Delhi: With the cost of living and education both going up steadily, it is becoming increasingly difficult to afford higher education. According to fintech company GrayQuest, Indian households end up spending as much as 13% of their annual income on higher education needs of their child. This tends to increase substantially in case there are more than one child in a family. 

                                                                                                                                                                              2. In order to cover the cost of higher education, a lot of parents now have no option but to finance their kids' education via an education loan. Education loans are available from almost all banks for some institutions in India and abroad. An education loan can either be taken by parents or students. These loans are preferred as they can be repaid after the completion of course and getting a job.

                                                                                                                                                                                Public sector banks such as Union Bank of India, Bank of Baroda and State Bank of India charge 6.8%, 6.85% and 6.85%, respectively while private banks such as HDFC Bank, Axis Bank and ICICI Bank levy interest at the rate of 9.55%, 9.70% and 10.50%, respectively.

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                                                                                                                                                                                    The rate of interest rates charged by government banks will always be lower as non-deposit taking NBFCs borrow and then add their margin which is often based on the risk profile of the borrower and certain other factors. It is, therefore, important to compare rates before taking an education loan because it affects EMIs. For SBI, the interest rate is 6.85% and for HDFC Bank, the interest rate is 9.55%.

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                                                                                                                                                                                  • These banks are offering best rates on education loans:

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                                                                                                                                                                                  • Bank Interest Rate (%)
                                                                                                                                                                                    Union Bank of India 6.80
                                                                                                                                                                                    Central Bank of India 6.85
                                                                                                                                                                                    Bank of India 6.85
                                                                                                                                                                                    Bank of Baroda 6.85
                                                                                                                                                                                    State Bank of India 6.85
                                                                                                                                                                                    Punjab National Bank 6.90
                                                                                                                                                                                    IDBI Bank 6.90
                                                                                                                                                                                    Canara Bank 6,90
                                                                                                                                                                                    Bank of Maharashtra 7.05
                                                                                                                                                                                    Indian Bank 7.15

                                                                                                                                                                                    Note that the loan tenures for an educational loan and personal loan vary. Personal loans are usually available for up to 5 years tenure, with some lenders offering tenures of 6-7 years. In the case of education loans, most lenders offer maximum loan tenure of 15 years.

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                                                                                                                                                                                    Tax exemptions available:

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                                                                                                                                                                                    2. The interest component re-paid by the education loan borrowers also qualifies for tax deduction under Section 80E. However, this tax deduction is only available for 8 years from the start of the loan repayment. Hence, borrowers should aim at completing their education loan repayment by 8 years to derive maximum benefit from the tax deduction.

                                                                                                                                                                                      However, one must remember that the principal component or amount of loan is not eligible for a tax deduction. And, in case of a personal loan, there are no tax benefits available.

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