Fund your next skill. Repay as you grow.
Education loans from Navkar Nivesh make professional courses, certifications and upskilling programmes affordable — with a fast, fully digital application and pricing disclosed in full before you commit.
RBI-registered NBFC ⦿ Disbursed directly to your institute ⦿ Every charge shown up front
The Navkar Nivesh Education Loan is designed for learners enrolling in skilling, certification and professional-development programmes with our partner institutes. Instead of putting the cost of a career-building course out of reach, we finance the programme fee so you can start learning now and repay over a comfortable tenure. Because we work directly with partner institutes, the process is simple: you choose your programme, we finance it, and the funds go straight to the institute on your behalf.
Working professionals and students enrolling in skilling, upskilling, certification or professional-development programmes at a Navkar Nivesh partner institute.
What the loan covers
Full or part course / programme fee at a partner institute
Certification and examination fees that form part of the programme
Bundled learning materials or tools where the institute includes them in the fee
Coverage depends on the programme and your eligibility; specifics are confirmed in your sanction and Key Fact Statement.
Key features at a glance
Loan amount
₹15,000 to ₹5,00,000; based on programme fee and eligibility
Purpose
Skilling, certification and professional-development programmes at partner institutes
Security
Unsecured — no collateral required
Tenure
3 to 18 months
Disbursal
Paid directly to the partner institute on your behalf
Application
Fully digital — apply online in minutes
Processing
Quick decisioning, typically within 10 Minutes
Repayment
Flexible options
*Indicative; subject to eligibility and document verification. Replace bracketed values with confirmed figures.
The partner-institute advantage
Navkar Nivesh partners directly with selected education and skilling institutes. Enrolling through a partner institute gives you:
A streamlined application — your institute helps initiate the loan as part of enrolment.
Programme-specific structuring — amount and tenure matched to the course.
Potential interest support — on selected programmes, partner institutes may subsidise part of the interest cost, lowering what you pay. Where this applies, it is shown clearly in your offer.
Note: Interest subvention is available only on specific partner programmes and is reflected transparently in your Key Fact Statement. It is not a guarantee on every loan.
Repayment options
We structure repayment to fit where you are in your learning and earning journey:
Standard EMI:
Equal monthly instalments from the outset, for those who prefer to start repaying immediately.
Prepayment / foreclosure:
You may prepay as per the terms in your loan agreement; any applicable charges are disclosed up front.
Exact moratorium length, instalment start date and any charges are set out in your sanction letter and Key Fact Statement.
Eligibility
The applicant (learner)
Indian citizen, aged 21 – 60 years at application.
Enrolled in, or seeking enrolment in, an eligible programme at a Navkar Nivesh partner institute.
Meets our credit and KYC requirements.
Eligibility is assessed on the overall profile — programme, applicant and co-applicant where applicable. Meeting the basic criteria does not guarantee sanction.
Documents required
Identity & KYC
PAN, Aadhaar / passport, recent photograph
Address proof
Aadhaar, passport, utility bill or other accepted proof
Programme proof
Enrolment / admission confirmation and fee details from the partner institute
Income proof
(applicant / co-applicant)
Salary slips and bank statements, or ITR / financials for self-employed
Bank details
Recent bank statements for the repayment account
Additional documents may be requested based on your profile or programme. A complete checklist is shared during the application.
How to apply
Check eligibility
Share a few details online to see if you qualify.
Apply online
Complete the digital application and upload your documents securely.
Get your offer
Review your Key Fact Statement showing the full cost of credit, then accept.
Disbursal
On completion of formalities, the approved amount is paid directly to your partner institute.
Interest rate & charges
We believe in fully transparent pricing. Before you accept any loan, you receive a Key Fact Statement that sets out the complete cost of credit.
Interest rate
Based on your profile and programme
Processing fee
As per Schedule of Charges and give hyperlink for the same.
Penal charges
As per Schedule of Charges and give hyperlink for the same.
Prepayment / foreclosure
[As per loan agreement]
Key Fact Statement:
Every borrower receives a standardised Key Fact Statement showing the Annual Percentage Rate (APR), all fees and any penal charges before the loan is finalised. [Link to a sample KFS.]
How to apply
Regulated lender
An RBI-registered NBFC with more than three decades of lending experience.
Transparent by design
The full cost of credit is disclosed before you commit, with no hidden charges.
Built around your course
Financing structured to your programme and repayment ability.
Direct-to-institute disbursal
Simple, secure, and aligned with regulatory good practice.
Fully digital
Apply, get your offer and complete formalities online.
Frequently asked questions
Do I need collateral?
No. The Navkar Nivesh Education Loan is unsecured, so no collateral is required.
Which courses are eligible?
Skilling, certification and professional-development programmes offered by our partner institutes. Speak to your institute or our team to confirm a specific programme.
When do I start repaying?
Depending on the programme, you may have a moratorium with partial/simple interest during the course and full EMIs afterwards, or you can opt for EMIs from the start.
How is the loan paid out?
The approved amount is disbursed directly to your partner institute on your behalf, once formalities are complete.
How will I know the full cost?
You receive a Key Fact Statement with the APR and every charge before you accept the loan — nothing is hidden.
Are there tax benefits?
Tax treatment of education loans depends on the lender type and your circumstances. Please consult a tax advisor; we do not provide tax advice.
Ready to invest in yourself?
Check your eligibility in minutes and get a clear, fully disclosed offer.