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Educational Loan

Our Educational Loan in Kerala helps Education and Training institutions with their capital expenditure and operational expenditure requirements. By utilizing our expertise in the Education sector, designed special loan products for education providers. We cater to reputed institutions from the education industry like K12 schools, colleges, renowned coaching & training institutes, technology & material suppliers of education institutions.

We solidly trust that instruction Infrastructure is a significant empowering agent in the conveyance of a superior nature of training. It is this conviction that driven us to help Education Institution Loans, to take into account the necessities of individuals associated with the territory of instruction or preparing.

We give loans to businesses to their each infrastructural need—from development, redesign, procurement of infrastructural offices as well as land, buy of equipment, programming, financing of working capital hole, solidification of existing liabilities to some other infrastructural upgrades; and from the customary land and working, to instruments and gear, to programming and frameworks, and the sky is the limit from there.

Private schools are every one of the an anger in urban India at the present time. Most guardians need their youngsters to consider in schools with global norms, best in class instruction framework, and plentiful presentation and development openings. This pattern is a perfect possibility for business visionaries wishing to put resources into the training framework.

Be that as it may, elevated points are not adequate to develop and work a private school. Private schools require a great deal of venture towards development of cutting edge study halls and other learning spaces, framework building and upkeep, innovation and tie-ups with remote foundations, procuring the best educators and teachers, and so forth.

For this, you may need to take a business loan. In any case, rather than taking a nonexclusive business loan, you can go for a loan focused at instructive organizations, which would offer better terms. Give us a chance to take a gander at a portion of the private school loan items accessible in India.

Educational Loan in Kerala

Benefits of Educational Loan in Kerala

At Cochin Financial Services, we understand the critical role that education plays in shaping the future of individuals and communities. We are committed to empowering educational loan in Kerala by offering specialized loan solutions. Here are some key advantages of our educational loan in kerala:

  1. Access to Funds: Our educational institution loans provide access to the necessary funds for establishing, expanding, or upgrading educational facilities. Whether you are planning to start a school, college, training center, or any other educational institution, we offer customized loan options to meet your financial requirements.
  2. Competitive Interest Rates: We provide educational institution loans at competitive interest rates, ensuring affordability and helping you manage your finances effectively. Our goal is to support your educational venture while minimizing the burden of interest payments.
  3. Flexible Repayment Terms: We understand the financial dynamics of educational institutions. Hence, our loan solutions come with flexible repayment terms that take into account the revenue cycles and cash flow patterns specific to educational organizations. This flexibility allows you to focus on providing quality education without being overwhelmed by repayment obligations.
  4. Tailored Loan Structures: Our experienced team works closely with you to understand your unique needs and goals. Based on this understanding, we design loan structures that align with your specific requirements, whether it’s funding infrastructure development, classroom equipment, technological advancements, or any other educational project.
  5. Streamlined Application Process: We value your time and aim to simplify the loan application process. Our dedicated team assists you at every step, from gathering the required documentation to submitting the application. We strive to make the process hassle-free, ensuring a quick and efficient loan approval.
  6. Expert Guidance and Support: Cochin Financial Services has a team of financial experts with extensive knowledge and experience in educational financing. They provide expert guidance and support, helping you navigate the complexities of the educational loan landscape and making informed financial decisions.



All loans are not created equal, Loans has become a great option for people to use.

Faster Loan

Cochin Financial Services helps you to get the loan faster than any other consultants! Starting from document prepartion, our main motto is to get you the money!

Choose amount

All charges are communicated up front in writing along with the loan quotation, and let us know how much money you want and we set strategy accordingly.

Enjoy the best rates

Our loan rates and charges are very attractive. We always get you loan for the best interest rates in the market. Its upto us to get you a hassle free loan.

Decide your tenure

As our loan rates and charges are very attractive, we help the clients to workout on tenure which never become a burden for them. We works for you.


Loan Eligibility

Contact us today to evaluate your requirements against the criteria for loan.

Call us at +91 9846399200



Frequently Ask Questions

If you have a question that deals with clients, customers or the public in general, there is bound to be a need for the FAQ page.


How will your bank decide your home loan eligibility?

Your bank will assess your repayment capacity while deciding the home loan eligibility. Repayment capacity is based on your monthly disposable / surplus income, (which in turn is based on factors such as total monthly income / surplus less monthly expenses) and other factors like spouse’s income, assets, liabilities, stability of income etc.

The main concern of the bank is to make sure that you comfortably repay the loan on time and ensure end use. The higher the monthly disposable income, higher will be the amount you will be eligible for loan. Typically a bank assumes that about 55-60 % of your monthly disposable / surplus income is available for repayment of loan. However, some banks calculate the income available for EMI payments based on an individual’s gross income and not on his disposable income.

The amount of the loan depends on the tenure of the loan and the rate of interest also as these variables determine your monthly outgo / outflow which in turn depends on your disposable income.

What is an EMI?

You repay the loan in Equated Monthly Installments (EMIs) comprising both principal and interest. Repayment by way of EMI starts from the month following the month in which you take full disbursement.

How does tenure affect cost of loan?

The longer the tenure of the loan, the lesser will be your monthly EMI outflow. Shorter tenures mean greater EMI burden, but your loan is repaid faster. If you have a short-term cash flow mismatch, your bank may increase the tenure of the loan, and your EMI burden comes down. But longer tenures mean payment of larger interest towards the loan and make it more expensive.

Can you repay your loan ahead of schedule? Is pre-payment of loan allowed?

Yes, most banks allow you to repay the loan ahead of schedule by making lump sum payments. However, many banks charge early repayment penalties up to 2-3% of the principal amount outstanding.

Prepayment penalty may vary according to the reasons and source of funds – if you obtain a loan from another bank for pre-payment the charges are usually higher than when you pay from your own sources. However, you may credit more than your EMI amount into your loan account on a periodic basis and bring down your interest burden as and when funds are available with you.

Most banks do not charge a pre-payment penalty if you deposit more than your EMI payable on a periodic basis. Please check such stipulations while availing the loan. cfc is the Top No1business loan in Kerala | Kochi | 2023

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