Secured Term Loan

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  • Ticket Size : Up to Rs 100 Lacs
  • Up to 5 years
  • Security : Immovable properties of School Owners / Schools, with LTV of ~70-80%
  • Easy documentation and fast processing
  • Transparent Dealings
  • 25% free limit on prepayment/foreclosure on outstanding balance
  • Step Down Interest: Reduction in interest rate after every 12 consecutive EMI repayments on time.


  • Purchase of School Land and Building
  • Construction of School Building and additional class rooms
  • Renovation of School Building and existing infrastructure
  • Purchase of Equipment’s and Furniture
  • Purchase of Hardware or Software contents such as Projectors, Digi-classes etc
  • Refinance of Existing loans for cash flow management
  • Loans for School Bus and other vehicles.


  • Recognized by State or Central Education Board
  • Minimum Monthly Fee of Rs 400 per student
  • Minimum student enrolment of 400
  • Strong operational income and Committed Management


  • Duly filled Loan application
  • A valid School Recognition Certificate
  • Class wise enrolment and Fee structure
  • Society registration certificate & Bylaws
  • Address Proof of the School
  • Project Report
  • School income and expenditure statement
  • Last six months bank statement
  • Photo, address, ID and signature proof of both applicant and co applicant
  • Collateral securityt

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