At A Glance
- Purpose
- Funding for the infrastructure and growth of schools and education institutions
- Assessment
- Assessed and reported income
- Student strength
- At least 200 to 400 students, depending on the programme
- Years running
- At least 3 to 5 years, depending on the programme
- Affiliation
- CBSE, ICSE, IB or a State Board for schools, and the relevant authorised body for higher education
The Short Version
What Education Infrastructure Loan actually does for you.
Funding for schools and education institutions that want to build, expand or improve their campus. There are three programmes: unsecured funding for schools, secured funding for schools, and secured funding for institutions that run higher education courses. The one that suits you depends on the size of the institution, how long it has been running, and whether you can offer property as security. We compare the options from our lender partners, prepare your file, and follow it through. Interest rate, loan amount, tenure and approval depend on the lender's policy and the assessment of your institution.
What's included
- Three programmes, so there is an option with or without property as security
- Longer repayment, up to 15 years, on the secured programmes
- Assessed on the institution's reported income
- Simple documentation, subject to the lender's policy
- Our team compares lenders, prepares your file and follows it up
Available programmes
Three programmes, by the kind of institution and whether property is offered as security. The one that applies to you depends on your institution and the lender's policy.
- Loan amount
- ₹10 Lakh to ₹75 Lakh*
- Tenure
- Up to 5 years
- Security
- No property security*
- Assessment
- Assessed and reported income
- Student strength
- At least 400 students
- Years running
- At least 5 years
- Affiliation
- CBSE, State Board, ICSE or IB
- Loan amount
- ₹25 Lakh to ₹10 Cr*
- Tenure
- Up to 15 years
- Security
- Property: a school or college property, or a commercial or residential property
- Assessment
- Assessed and reported income
- Student strength
- At least 300 students
- Years running
- At least 3 years
- Affiliation
- CBSE, ICSE, IB or State Board
- Loan amount
- ₹50 Lakh to ₹7.5 Cr*
- Tenure
- Up to 15 years
- Security
- Property as security
- Courses covered
- B.Ed, Pharmacy, Nursing and Management
- Student strength
- At least 200 students
- Years running
- At least 5 years
- Affiliation
- By the relevant authorised body
Do you qualify?
- A school, college or education institute run by a trust, a society, a company, a firm or an owner
- Affiliation or recognition from the right board or authorised body
- A minimum student strength, from 200 to 400 depending on the programme
- A minimum number of years running, from 3 to 5 depending on the programme
- Income that can be shown on paper, with audited accounts and tax returns
- Property to offer as security, for the secured programmes
- A clean repayment record on the institution's existing loans helps
Which One Are You
Fees and other charges
Besides interest, a lender may charge a few fees. It helps to know them before you apply, so there are no surprises.
Processing fee
A percentage of the loan amount plus GST. It usually costs more for a loan without security than for one backed by property, and it varies by lender and programme.
Legal, valuation and inspection
For a secured loan, the lender may charge for a legal check and a valuation of the property. It may also inspect the institution.
Documentation and other charges
Some lenders add a small fixed fee for documentation or a statement of account.
Foreclosure and part-prepayment
Closing the loan early may carry a charge, usually a percentage of the outstanding amount, and some lenders allow it only after a minimum period. Ask before you prepay.
These are general guides and every lender sets its own fees. Your expert will share the exact charges in writing before you sign.
Why Growth Capital Services
One conversation, many lenders to compare.
We are a loan consultant, not the lender. We help you compare options from 75+ Banks and NBFCs, prepare your documents, and follow your application through each step.
Important note: Interest rate, loan amount, tenure, charges, eligibility, approval and disbursement depend on the policy of the respective Bank or NBFC, your profile, credit assessment and the applicable terms. Growth Capital Services is a loan consultant and does not lend money itself. The details on this page are for general information.
Run the numbers
Calculators for your Education Infrastructure Loan
Try your own figures before you apply — nothing is saved or sent.
Step-by-step guide
Education Infrastructure Loan process, step by step.
Funding for a school or institute is decided on the institution itself. Here is how we take you from the plan to the funds.
- 1
Tell us about the institution
Share what you run, how many students you have, how long it has been running and what you want to build or improve.
- 2
Pick the right programme
We check whether an unsecured or a secured programme suits you, based on your student strength, years running and the property you can offer.
- 3
Compare lenders
We compare lenders on amount, tenure, charges and conditions, and you choose the one that suits you.
- 4
Submit the papers
You provide KYC, the affiliation certificate, audited accounts, bank statements and, for a secured loan, the property papers.
- 5
Checks, sanction and funds
The lender reviews the institution and the property, then sanctions the loan. After the formalities, the money is released.
With GCS, your expert looks at your profile, matches it with suitable lenders, and coordinates with the banks for you. That means less confusion and more confidence when you apply.
Worth Comparing
The rest of Education, Vehicle & Other Loans
So you can weigh Education Infrastructure Loan against everything else we arrange in this category before deciding.
Still deciding on Education Infrastructure Loan? Ask us directly.
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