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HDFC Credilla: HDFC Credilla is a subsidiary of HDFC Bank and offers competitive interest rates compared to other private banks. The key features of their education loan are: Education loan insurance provides financial protection to the borrower and their family in case of unforeseen events, such as the borrower's untimely demise or

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Home HDFC Credila Education loans HDFC Credila Education Loans For Abroad Study in Hyderabad HDFC Credila is a specialized education loan provider in India. It is a subsidiary of HDFC Ltd., one of the leading financial institutions in the country. HDFC Credila focuses exclusively on providing loans for education purposes, catering to the financial needs of students aspiring to pursue higher education in India or abroad.HDFC Credila is a great company. There is a reason that HDFC Credila is a leader in the field of Education Loans. They make it easy to work with them! Key Features of HDFC Credila education include Customized Loan Solutions HDFC Credila offers tailor-made loan solutions to meet the specific needs of students, covering tuition fees, living expenses and other related costs. Wide Range of Courses and Institutes The loans are available for various academic courses and institutes, both in India and Overseas. This includes undergraduate and Postgraduate programs as well as professional courses. Flexible Repayment Options HDFC Credila provides flexible repayment options, taking in to account the future earning potential of the student. Comptetive Interest Rates The interest rates offered by HDFC Credila are competitive and vary based on factors such as the loan amount, profiles of the customers, course, collateral and repayment period.The Rate of Interest for Secured Loans starts from 10.25% to 10.50 %, While for Unsecured Loans, it starts from 11% to 12.50% Quick Approval and Disbursement The loan approval process is designed to be efficient, and disbursement of funds is done in a timely manner to ensure that students have access to the necessary funds when required. Collateral -free Loans In many cases, HDFC Credila offers loans without requiring collateral. This can be advantageous for students who may not have significant assets to pledge as security. The Advantages of using Window.dataLayer = window.dataLayer || []; function gtag(){dataLayer.push(arguments);} gtag('js', new Date()); gtag('config', 'AW-16447957357'); --> HDFC Credila - Education LoanNBFCs Loan Margin: NA Collateral Needed ⚡7 working days avg loan processing time We Fund Your Future Guarantee Quick Loan Sanctions 100% Transparency No Hidden Fees 24x7 Support Features Eligibility Benefits How to Apply Documents Loan Repayment FAQs Features Of HDFC Abroad Education LoanHDFC Credila Financial Services, India’s first specialist education loan lender, offers education loans under the name HDFC Credila Education loan for students wishing to study abroad at over 1000 universities in at least 35 countries. What distinguishes HDFC Credila is its personalised education loan options that take into account the applicant’s course and country preferences. Students who want to study in the country or abroad can get an education loan from HDFC Credila, a subsidy firm of HDFC Limited. HDFC Credila, the country’s first dedicated education loan lender, offers income tax advantages under Section 80E of the Income Tax Act. You can borrow up to 100% of your educational expenditures.HDFC Credila acknowledges that the work we do at We Fund Your Future is consistent with the company’s mission and objectives. The collaboration between HDFC Credila and We Fund Your Future is a new ray of hope for students looking for low-cost education loans to study abroad as soon as possible and in the most convenient way imaginable.FeaturesEducation Loan DetailsLoan amountUpto ₹50Lac (Without Collateral)Exceptional cases – up to 1 Crore.Margin moneyNilInterest rateThe HDFC Credila education loan interest rates and charges are mentioned below:1. Rate of Interest – The interest rate is a floating rate related to HDFC Credila’s Benchmark Lending Rate (CBLR). CBLR is currently 12.55% per annum.2. Processing Fee – 1.0% to 1.2% of Loan Amount3. Pre-payment charges – Every fiscal year, the borrower has the option to pay up to 25% of the starting principal due without incurring any fees.Processing fee1.0% to 1.2%Processing time12 Working DaysLoan tenure14 YearsPrepayment chargesNilRepayment holidayInterest to be paid during the moratorium period.EMI starts after the completion of course + 6 months.Countries coveredHDFC Credila offers abroad education loans to study in over 35+ different countries across the world including the USA, Canada, the UK, Germany, Australia, Singapore, France, etcPayment study periodYes, simple interest.For selected good profile, partial interest repayment available. HDFC foreign Education Loan EligibilityYou are eligible to apply for the HDFC student loan only if you’ve met the following requirements:TypeRequirementEligibility Criteria For HDFC Credila Education LoanYou are eligible to apply for the HDFC student loan only if you’ve met the following requirements:For the borrower –1. The student applying for the Education Loan should be an Indian citizen, 18 years old or above.2. The student should be enrolled in a recognised institution as a full-time

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Of an education loan is made up of the duration of the study + the grace period after the study + the repayment period.The highest tenure offered by HDFC Credila is 12 years.The loan tenure, however, is subject to considerations such as the customer’s repayment capacity, the course’s future prospects, the age of the co-applicant, and so on, as well as HDFC Credila’s credit and underwriting norms as they apply from time to time. However, HDFC Credila would make every effort to tailor the payback time to your needs.The monthly repayment amount will be debited from the borrower’s/co-bank borrower’s account via the Electronic Clearing System (ECS) Loan Amount: 1600000 Interest Rate (%): 15 Loan Duration (years): 10 Loan Details Monthly EMI: 0 Principal Amount: 0 Total Interest: 0 Total Amount: 0 What our Students say about us Frequently Asked QuestionsDoes HDFC Education Loan cover 100% cost of education?Yes, the HDFC Credila education loan covers the entire cost of your international education.What is the HDFC Education Loan interest rate?Various factors influence the HDFC Education Loan interest rate, the HDFC Education loan interest rate ranges from 11% to 12.5%.How long does it take for the HDFC Education Loan to get approved?Following the documentation, approval takes about 3-4 working days.Is the interest paid on the HDFC Education Loan tax deductible?Yes, under Section 80-E of the Income Tax Act, one can deduct interest paid on an education loan.What is the time frame for the Disbursement?The loan application will be processed in two phases: One is for in-principle sanction & other is for disbursement of funds. The in-principle sanction letter would be issued within 7 to 10 days after the customer’s receipt of the completed Application Form and supporting documentation. Similarly, the distribution would be completed within 7 days after receipt of all post-sanction documents from the customer and completion of the underlying post-sanction process.How do you decide on the repayment period?The duration of the payback periods is often determined by the bank’s assessment of the student’s projected earning capacity and the risks associated with extending a certain loan. HDFC Credila Education loan repayment starts as soon as they land a job. At the beginning of their professions, however, they can find higher EMIs (caused by shorter repayment periods), particularly difficult. In order to assist with a seamless transfer for students from the campus to the workplace, HDFC Credila provides extended tenure. By doing this, individuals can begin their working careers with good credit histories that will enable them to obtain additional loans in the future.. HDFC Credilla: HDFC Credilla is a subsidiary of HDFC Bank and offers competitive interest rates compared to other private banks. The key features of their education loan are: Education loan insurance provides financial protection to the borrower and their family in case of unforeseen events, such as the borrower's untimely demise or

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To render the utilities services for which payment is to be made by HDFC Bank and HDFC Bank shall NOT be responsible/liable for any deficiency in the same including, but not limited to, deficient quality, delivery, quantity etc., and shall not be made party to any disputes between the cardholder and any providers of utilities / services.The cardholder shall not hold HDFC Bank liable for any non-service, delayed service or faulty service rendered by the provider of utilities / services and shall not contact or communicate in any manner whatsoever, inter alia, by electronic mail, phone, post, SMS or personal meeting with HDFC Bank in this regard. HDFC Bank shall be entitled (without prejudice to any other right or remedy it may have to charge the cardholder late payment interest at the applicable rate for delayed payment on all late payments from the date the charge was required to be paid until the actual date of payment. HDFC Bank may, in its sole discretion, accept any cancellation request by the cardholder, provided that HDFC Bank has not already made the utility payment for the month for which the cancellation request is made. Nothing contained herein shall prejudice or affect the terms and conditions of the Card Member Agreement. The terms of this facility shall be in addition to and not in derogation of the terms contained in the Card Member Agreement. Nothing contained in the SmartPay facility shall be construed as binding obligation on HDFC Bank or any participating utility company to continue the facility after the facility termination date or substitute by a new or similar facility. HDFC Bank reserves the right to revoke / stop this facility to any cardholder without any prior intimation if the Bank believes that the continued use of this facility is not in Might be a co-borrower/guarantor. He or she must have an NRI account and, most significantly, the collateral must be in India for him or her to be the co-borrower/guarantor. In both circumstances, you’ll need an extra co-borrower.Income Tax BenefitsIf you take up an HDFC Credila Education Loan, you will be eligible for tax benefits under section 80-E of the Income Tax Act on the interest you pay for the loan.Pre-admission Education Loan SanctionThe HDFC Credila Education Loan has a unique characteristic in that it can be sanctioned even before you receive your acceptance letter! Credila takes your GRE score into consideration in order to do so. If you apply for an HDFC Credila Education Loan with We Fund Your Future, you can be certain that we will manage the whole procedure for you. You will be able to devote all of your attention to writing your college application and preparing for entrance interviews in this manner.HDFC Education Loan benefits are profitable not only for students but also for their parents. Let us see some of the prime benefits of the HDFC Education Loan.Benefits for StudentsApproval Prior to Admission: Get an HDFC Education Loan approval letter from HDFC Credila prior to admission so you don’t have to downsize your dreams!Funding Sources for USA I-20: HDFC Credila’s Education Loan acceptance letter demonstrates reliable sources of cash for obtaining I-20s from US universities or visas for a variety of nations.Complete Cost Coverage: HDFC Credila supports the complete cost of your education, including living expenses and all other charges, easing your financial problems.Benefits for ParentsTax Benefits: HDFC Education Loans provide income tax benefits under Section 80E of the Income Tax Act of India.HDFC is a reliable company: Credila is a subsidiary of HDFC Limited, a well-known company in the financial services business. HDFC bank education loan is reliable & recognized.Loans of up to 100% of educational expenses are available: There is no need for margin money. You do not have to sacrifice your child’s education quality because of increased payments.Convenience: Education Loans are delivered to your door, eliminating the need to visit bank locations many times.Flexibility: Flexibility in terms of collateral security. There are longer and more flexible repayment alternatives available.Benefits Of Applying through We Fund Your FutureHigher Chance Of ApprovalBy applying for your education loan through We Fund Your Future, you are increasing your chances of approval. Generally, banks dismiss applications if they find any missing documents, property issues, or any other problem. With We Fund Your Future, we will immediately reach out to HDFC Credila officials and find the best solution.Online Submission Of DocumentsWith We Fund Your Future, you can submit all the required documents from home! There won’t be any need

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The interest of the Bank. As and when other communication channels are introduced HDFC Bank may be entitled to rely upon all electronic communications, orders or messages to HDFC Bank from the cardholder whether received by email, SMS, on telephone or otherwise in the manner prescribed for the same from time to time by HDFC Bank and HDFC Bank shall not be obliged to verify or make further inquiry into the identity of the sender, or the message integrity, of any communications, orders or messages. The cardholder shall in no circumstance dispute such reliance by HDFC Bank. All disputes arising out of the SmartPay facility shall be subject to the exclusive jurisdiction of competent courts in Chennai. The SmartPay nomination will be effective subject to HDFC Bank Credit Card being valid and in good standing. HDFC Bank may at its sole discretion accept or decline the said SmartPay application form. The record of charges in respect of the above services received or availed by me and submitted by utility companies to my Card Account will neither bear my signature nor the imprint of my Card. I therefore undertake to unconditionally honour and pay without demur and contestation all the said charges including interim charges booked by me under this facility, as and when I am billed for the same by HDFC Bank. This Recurring Transaction Instruction shall subsist during the validity period of my Card and subsequent renewals thereof. I confirm that the latest self-attested bill copies of the utility service for which I would need to avail of the SmartPay facility are attached along with this application format. I also confirm that the address on the bill matches with residential address given for my Credit Card account. I confirm that the utility bills enclosed are photocopies of the original

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Updated: 12-02-2025 07:28:13 AM HDFC Bank in association with Shoppers Stop has launched two co-branded credit cards, Shoppers Stop HDFC Bank Credit Card and Shoppers Stop Black HDFC Bank Credit Card. These credit cards come under the shopping credit cards league, and offer reward benefits around spends on Shoppers Stop’s Private label brands and all other spends. The cards also offer benefits around card activation, milestone benefits, lounge access, and insurance cover among others. Read on to know more details about these credit cards.Key Highlights of HDFC Bank Shoppers Stop Credit CardsParticularsShoppers Stop HDFC Bank Credit Card Shoppers Stop Black HDFC Bank Credit CardCard TypeEntry level credit cardSemi-premiumBest Suited ForShoppingShoppingJoining FeeRs. 299 (Lifetime-free for those who joined before 1st Mar 2024)Rs. 4,500Annual FeeRs. 299 (Nil for those who joined before 1st Mar 2024)Rs. 4,500Minimum IncomeSalaried- Rs. 20,000Self Employed- ITR> Rs. 6 LakhSalaried- Rs. 2 lakhSelf Employed- ITR> Rs. 8 LakhWelcome BenefitsShoppers Stop voucher worth Rs. 500Shoppers Stop voucher worth Rs. 1,500Best FeatureUp to 3% reward points on every spendUp to 7% reward points on every spendPaisabazaar Rating★★★ (3/5)★★★(3.5/5)Note: These cards are not available on Paisabazaar.com. The content on this page is for information only. To express interest in these cards, please visit HDFC Bank’s website. Features & Benefits Some top features and benefits of Shoppers Stop HDFC Bank Credit Card are welcome and milestone benefits, fuel surcharge waiver, and reward points amongst others. This credit card comes with complimentary Shoppers Stop membership. The benefits are listed as follows:Welcome Benefit: This credit card offers Shoppers Stop discount voucher worth Rs. 500 as a welcome benefit, redeemable on any bill value.Milestone Benefits: If you make a purchase of min. Rs. 15,000 at Shoppers Stop over the weekend, you earn Rs. 500 in that month.Reward Points: With this credit card you can earn benefits of up to 3% reward points on your spends, as stated:3% reward points on every Shoppers Stop purchase, up to 500 reward points per month1% reward points on every non-Shoppers Stop purchase, up to 1,000 reward points per monthYou can redeem these reward points against the following:Shoppers Stop vouchers where 1 Reward Point = Rs. 1For non-Shoppers Stop voucher redemptions, the redemption value would be as per the latest HDFC bank’s redemption catalogueTop features and benefits of Shoppers Stop Black HDFC Bank Credit Card are comparatively better than the regular co-branded variant. This credit card is a semi-premium credit. HDFC Credilla: HDFC Credilla is a subsidiary of HDFC Bank and offers competitive interest rates compared to other private banks. The key features of their education loan are: Education loan insurance provides financial protection to the borrower and their family in case of unforeseen events, such as the borrower's untimely demise or

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Address or any specific utility customer ID specified in the application form, is transferred or changed. It will be the responsibility of the cardholder to inform HDFC Bank in writing of any change or withdrawal of the SmartPay facility thus availed. Such change or withdrawal will take 30 days to be effected upon receipt of cardholder request. Failure of the cardholder to do the same and subsequent debits, if any, towards utility payments will constitute valid transactions and the cardholder will be liable to pay the same. Certain utilities / service providers may specify the date on which payment is to be made, notwithstanding any instructions given by the cardholder in this regard, HDFC Bank shall 1 remit the payment any time before the payment due date specified by the utilities / service providers.Without prejudice to the generality of the aforesaid, processing of all the instructions is subject to the availability of free, clear and available limits in the cardholder's HDFC Bank Credit Card Account at the time of processing the transaction. In the event of credit limits not being wholly available, HDFC Bank shall not process the instructions and shall not make payments to the utility company. Any disputes arising out of disconnection of the utility facility, penalty from government and late charges on instalment dues arising due to change / revocation of the facility will be the sole responsibility of the cardholder and the cardholder will not hold HDFC Bank responsible / liable for the same. The cardholder indemnifies HDFC Bank from and against all actions, suits, claims, liabilities and proceedings due to or arising out of any or all disputes between the cardholder and utility companies or by reason of HDFC Bank acting in good faith or refusing to take or omitting to act on the SmartPay