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Star Education Loan — Working Professionals

An education loan for employed professionals taking recognized part-time, distance or selected executive programmes in India, up to ₹20 lakh.

Interest rateStandard education bands: 1 Year RBLR + 1.70% (presently 9.80% p.a.) up to ₹7.50 lakh and +1.50% (presently 9.60% p.a.) above ₹7.50 lakh; published girl-student concession may apply.Maximum financeMaximum loan amount up to ₹20 lakh, subject to need and earning potential.Maximum amountAn education loan for employed professionals taking recognized part-time, distance or selected executive programmes in India, up to ₹20 lakh.
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Quick eligibility check

Star Education Loan — Working Professionals

0 of 6 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Are you this type of customer: Indian National, permanent employee of Central/State Government, public-sector, reputed private-sector or multinational employer?

Published source: Eligibility

2Do you meet this requirement: must remain gainfully employed, be below 55 years, have at least 2 years’ work experience and no adverse credit history?

Published source: Eligibility

3Does your annual income meet this requirement: No numeric minimum salary is published?

Published source: Minimum income

4Does your annual income meet this requirement: employment, two years’ experience and income proof are required?

Published source: Minimum income

5Do you meet this requirement: At least 2 years’ work experience?

6Do you meet this requirement: applicant must be below 55 at application?

0 of 6 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
Offered byBank of India

India; recognized universities and listed executive programmes

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Education coveredPart-time or distance education in India, including listed online/offline executive diploma or certificate programmes under the Star Vidya Loan scheme.View source
The page limits the product to gainfully employed professionals and approved part-time/distance programmes.
Source
Star Education Loan — Working Professionals
Page / section
Features / Courses Covered
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Maximum financeMaximum loan amount up to ₹20 lakh, subject to need and earning potential.View source
The quantum section states maximum ₹20 lakh and need-based finance.
Source
Star Education Loan — Working Professionals
Page / section
Quantum of Loan
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Interest rateStandard education bands: 1 Year RBLR + 1.70% (presently 9.80% p.a.) up to ₹7.50 lakh and +1.50% (presently 9.60% p.a.) above ₹7.50 lakh; published girl-student concession may apply.View source
The current rate sheet provides the education-loan bands; the working-professional page says scheme terms apply.
Source
Retail Loans — Floating and Processing Charges (effective 1 June 2026)
Page / section
Page 4: Star Education Loan
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Repayment periodNo moratorium after course completion; repayment is by age 60 or 10 years after course completion, whichever is earlier.View source
The page publishes the age-60/10-years-earlier repayment rule.
Source
Star Education Loan — Working Professionals
Page / section
Repayment Period
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Processing feeNo processing charge. VLP portal charge ₹100 plus 18% GST and scheme-deviation charges may apply.View source
The charges section states nil processing charges and portal/deviation charges.
Source
Star Education Loan — Working Professionals
Page / section
Charges
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Margin and securityMargin: 5% up to ₹4 lakh, 10% above ₹4 lakh to ₹7.50 lakh and 15% above ₹7.50 lakh. No collateral up to ₹4 lakh; suitable tangible collateral and future-income assignment above ₹4 lakh.View source
The page publishes three margin bands and security above ₹4 lakh.
Source
Star Education Loan — Working Professionals
Page / section
Margin / Security
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
EligibilityIndian National, permanent employee of Central/State Government, public-sector, reputed private-sector or multinational employer; must remain gainfully employed, be below 55 years, have at least 2 years’ work experience and no adverse credit history.View source
The eligibility section publishes employer, employment, age, experience and credit-history conditions.
Source
Star Education Loan — Working Professionals
Page / section
Eligibility
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNo numeric minimum salary is published; employment, two years’ experience and income proof are required.View source
The reviewed page states employment conditions but no rupee salary floor.
Source
Star Education Loan — Working Professionals
Page / section
Eligibility / Documents
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Benchmark1 Year RBLR plus the published education-loan spread; current sheet shows 9.80%/9.60% p.a. by loan size.View source
The rate sheet names 1 Year RBLR and gives the two spreads.
Source
Retail Loans — Floating and Processing Charges (effective 1 June 2026)
Page / section
Page 4: Star Education Loan
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
APRNo separate APR figure or methodology is published.View source
and charges are published but no calculation is provided.
Source
Star Education Loan — Working Professionals
Page / section
Rate / Charges
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNo prepayment penalty.View source
The manually reviewed product record states: “No prepayment penalty published”. The issuer's current sanction terms should still be confirmed before applying.
Source
Star Education Loan — Working Professionals — official product page
Page / section
Fees and prepayment
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
TenureNo moratorium after course completion; repayment is by age 60 or 10 years after course completion, whichever is earlier.View source
The page publishes the age-60/10-years-earlier repayment rule. This is the issuer-published maximumTenure value shown under the comparison field “Tenure”.
Source
Star Education Loan — Working Professionals
Page / section
Repayment Period — comparison field: Tenure
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Maximum amountAn education loan for employed professionals taking recognized part-time, distance or selected executive programmes in India, up to ₹20 lakh.View source
The manually reviewed product summary states: “An education loan for employed professionals taking recognized part-time, distance or selected executive programmes in India, up to ₹20 lakh.”.
Source
Star Education Loan — Working Professionals — official product page
Page / section
Published loan terms in product summary
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Geographic limitsIndian National, permanent employee of Central/State Government, public-sector, reputed private-sector or multinational employer; must remain gainfully employed, be below 55 years, have at least 2 years’ work experience and no adverse credit history.View source
The manually reviewed product record states: “Indian National, permanent employee of Central/State Government, public-sector, reputed private-sector or multinational employer; must remain gainfully employed, be below 55 years, have at least 2 years’ work experience and no adverse credit history.”.
Source
Star Education Loan — Working Professionals — official product page
Page / section
Published product metadata
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • No processing charges
  • No collateral up to ₹4 lakh
  • No prepayment penalty published
  • Part-time and distance study supported

Eligibility

  • At least 2 years’ work experience; applicant must be below 55 at application.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Identity/address proof, income proof, academic/admission records, expense schedule, bank statement and collateral documents if applicable.

Related official documents

Retail Loans — Floating ROI and Processing Charges (effective 1 June 2026)official-rate-sheet · current · accessed 30 Aug 2026
↗
Star Education Loan — Working Professionalsofficial-product-page · current · accessed 30 Aug 2026
↗

Plan before applying

Try the numbers

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Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees
Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees
Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

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Find the exact published value

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Maximum finance · Published detail₹20 lakh

This value is copied from Star Education Loan — working professionals terms. Check the table notes before relying on it.

Source: Star Education Loan — Working Professionals · Features / Eligibility / Margin / Security / Rate / Repayment / Charges Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 7 rows · 2 columnsStar Education Loan — working professionals termsOfficial page and current rate-sheet terms.View tableHide table

Scroll sideways to view every column

Star Education Loan — working professionals terms
ParameterPublished detail
Maximum finance₹20 lakh
Rate9.80%/9.60% present by loan size; 1 Year RBLR spreads
Margin5% up to ₹4 lakh; 10% to ₹7.50 lakh; 15% above
SecurityNo collateral up to ₹4 lakh; tangible collateral above
EligibilityIndian National, permanent employee, below 55, 2 years’ experience
RepaymentBy age 60 or 10 years after course, whichever earlier
ProcessingNil
Star Education Loan — Working Professionals · Features / Eligibility / Margin / Security / Rate / Repayment / Charges · accessed 30 Aug 2026Open official source ↗

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