{"id":13132,"date":"2024-06-14T15:38:27","date_gmt":"2024-06-14T10:08:27","guid":{"rendered":"https:\/\/fly.finance\/blog\/?p=13132"},"modified":"2024-06-14T15:39:26","modified_gmt":"2024-06-14T10:09:26","slug":"cosmos-bank-education-loan","status":"publish","type":"post","link":"https:\/\/fly.finance\/blog\/education-loan\/cosmos-bank-education-loan\/","title":{"rendered":"Cosmos Bank Education Loan to Study Abroad: Interest Rates, Eligibility, How to Apply"},"content":{"rendered":"\n<p>Cosmos Bank is one of the co-operative banks in India providing banking services, including education loans to study abroad and in India. The bank\u2019s \u2018Cosmo Education Loan Scheme\u2019 helps deserving students to avail of education loans up to INR 1.25 crores at interest rates starting from 8.25% p.a.&nbsp;Cosmo Bank education loans<strong>&nbsp;<\/strong>are disbursed within 30 days, making it a preferable option for many. Read on to find out more about it.<\/p>\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2 id=\"table-of-contents\">Table of contents<\/h2><ul><li><a href=\"#h-cosmos-bank-education-loan-major-highlights\" data-level=\"2\">Cosmos Bank Education Loan: Major Highlights<\/a><\/li><li><a href=\"#h-cosmos-bank-education-loan-interest-rate\" data-level=\"2\">Cosmos Bank Education Loan Interest Rate<\/a><\/li><li><a href=\"#h-eligibility-criteria\" data-level=\"2\">Eligibility Criteria<\/a><\/li><li><a href=\"#h-documents-required\" data-level=\"2\">Documents Required<\/a><ul><li><a href=\"#h-application-amp-basic-documents\" data-level=\"3\">Application &amp; Basic Documents<\/a><\/li><li><a href=\"#h-co-applicant-documents\" data-level=\"3\">Co-applicant Documents<\/a><\/li><li><a href=\"#h-financial-co-applicant-income-documents\" data-level=\"3\">Financial Co-applicant Income Documents<\/a><\/li><li><a href=\"#h-additional-documents\" data-level=\"3\">Additional Documents<\/a><\/li><\/ul><\/li><li><a href=\"#h-how-to-apply-for-cosmos-bank-education-loan\" data-level=\"2\">How to Apply for Cosmos Bank Education Loan?<\/a><ul><li><a href=\"#h-offline-application\" data-level=\"3\">Offline Application<\/a><\/li><li><a href=\"#h-online-application\" data-level=\"3\">Online Application<\/a><\/li><\/ul><\/li><li><a href=\"#h-faqs\" data-level=\"2\">FAQs<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-cosmos-bank-education-loan-major-highlights\"><span id=\"cosmos-bank-education-loan-major-highlights\">Cosmos Bank Education Loan: Major Highlights<\/span><\/h2>\n\n\n\n<p>Cosmos Bank provides education loans under its&nbsp;<strong>\u2018Cosmo Education Loan Scheme\u2019<\/strong>. Loans of up to INR 1.25 crores to study abroad are offered to meritorious students. They get the financial assistance to build a successful career at competitive interest rates starting at&nbsp;<strong>8.25% p.a for females and 8.65% p.a. for males<\/strong>.<\/p>\n\n\n\n<p>Students who wish to pursue higher studies in India and abroad prefer education loans for various reasons. Check them in the table given below-<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><strong>Particulars<\/strong><\/td><td><strong>Details<\/strong><\/td><\/tr><tr><td>Maximum Loan Amount<\/td><td><strong>Study Abroad-<\/strong>&nbsp;Upto INR 1.25 crores<\/td><\/tr><tr><td>Interest Rate<\/td><td><strong>Females-<\/strong>&nbsp;8.25% p.a<br><strong>Males-<\/strong>&nbsp;8.65% p.a<\/td><\/tr><tr><td>Repayment Tenure<\/td><td>Up to 10 years for loans up to INR 10 lakhs<br>Up to 15 years for loans above INR 10 lakhs<\/td><\/tr><tr><td>Time of Disbursement<\/td><td>30 days<\/td><\/tr><tr><td>Prepayment Charges<\/td><td>NIL<\/td><\/tr><tr><td>Processing Charges<\/td><td><strong>Study Abroad-<\/strong>&nbsp;0.50% of loan amount + GST<\/td><\/tr><tr><td>Foreclosure Charges<\/td><td>NIL<\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/education-loan\/what-is-moratorium-period-and-how-does-it-work\/\"><strong>Moratorium Period<\/strong><\/a><\/td><td>Course Period + 1 year, or 6 months after getting a job, whichever is earlier<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong>Also Read: Check out the top&nbsp;<\/strong><a href=\"https:\/\/fly.finance\/blog\/education-loan\/public-sector-banks-education-loans\/\"><strong>public sector bank in India for education loans<\/strong><\/a><strong>. Learn about the maximum loan amount offered, interest rates, processing fees, and other details.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-cosmos-bank-education-loan-interest-rate\"><span id=\"cosmos-bank-education-loan-interest-rate\">Cosmos Bank Education Loan Interest Rate<\/span><\/h2>\n\n\n\n<p>Cosmos Bank education loan interest rates start from 8.25% p.a for females and 8.65% p.a. for males. They are based on floating interest rates, which means they are subject to change with market conditions. The bank\u2019s interest rate also varies based on the&nbsp;<a href=\"https:\/\/fly.finance\/blog\/full-form\/cibil-full-form\/\"><strong>CIBIL score<\/strong><\/a>&nbsp;of the applicant.&nbsp;<\/p>\n\n\n\n<p>The table below shows the applicable interest rates on Cosmos Bank education loan, w.e.f. 24th May 2024-<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><strong>Female Students<\/strong><\/td><td><strong>Male Students<\/strong><\/td><\/tr><tr><td><strong>CIBIL Score Above 750<\/strong><\/td><td>8.25% p.a.<\/td><td>8.65% p.a.<\/td><\/tr><tr><td><strong>CIBIL Score Below 750<\/strong><\/td><td>8.50% p.a.<\/td><td>8,75% p.a<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-eligibility-criteria\"><span id=\"eligibility-criteria\">Eligibility Criteria<\/span><\/h2>\n\n\n\n<p>One of the basic eligibility to fulfil and apply for an education loan from Cosmos Bank is that the applicant must be a regular member or nominal member of the bank. Check out the other eligibility criteria as laid by Cosmos Bank to apply for higher studies loan under its Cosmo Education Loan Scheme-<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The applicant must be a regular member or nominal member of the bank.<\/li>\n\n\n\n<li>The applicant must be an Indian resident.<\/li>\n\n\n\n<li>Applicants\/ parents should have banking relations with our bank.<\/li>\n\n\n\n<li>The student must secure admission through a merit-based selection process or entrance examination.<\/li>\n\n\n\n<li>Courses should fall under the list of eligible courses. They should be pursued by reputed universities.<\/li>\n<\/ul>\n\n\n\n<p>Please note that the&nbsp;<strong>eligibility courses<\/strong>&nbsp;are- (for study abroad)<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Job-oriented professional\/ technical courses from reputed universities&nbsp;<\/li>\n\n\n\n<li>Post-graduation courses like MCA, MBA, MS, etc. and courses conducted by CIMA-London, CPA in the USA.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong>Also Read:&nbsp;<\/strong><a href=\"https:\/\/fly.finance\/blog\/education-loan\/personal-loan-vs-education-loan\/\"><strong>Personal loans vs education loans<\/strong><\/a><strong>&#8211; which one is better? Check out which one you should choose to make the best decision.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-documents-required\"><span id=\"documents-required\">Documents Required<\/span><\/h2>\n\n\n\n<p>To apply for education loans from Cosmos Bank, applicants must submit KYC documents, income documents, academic transcripts, and collateral documents. Always make sure to keep this list handy when filling out the application form. Check the list of&nbsp;<a href=\"https:\/\/fly.finance\/blog\/education-loan\/documents-required-for-education-loan\/\"><strong>documents required for education loan<\/strong><\/a>&nbsp;from Cosmos Bank-<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-application-amp-basic-documents\"><span id=\"application-basic-documents\">Application &amp; Basic Documents<\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Completed Application Form:<\/strong>&nbsp;Get this form from your WeMakeScholars financial officer, fill it out, sign it, and attach two passport-sized photos.<\/li>\n\n\n\n<li><strong>Proof of Identity:<\/strong>&nbsp;For yourself (student), co-applicant, and guarantor (if required):\n<ul class=\"wp-block-list\">\n<li>PAN Card<\/li>\n\n\n\n<li>Aadhaar Card<\/li>\n\n\n\n<li>Passport (if studying abroad)<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Proof of Residence: <\/strong><a href=\"https:\/\/fly.finance\/blog\/full-form\/full-form-of-kyc\/\"><strong>KYC documents<\/strong><\/a>&nbsp;of the applicant and co-applicant\n<ul class=\"wp-block-list\">\n<li>Voter ID card<\/li>\n\n\n\n<li>Aadhaar card<\/li>\n\n\n\n<li>Utility bills (electricity, ration card, phone bill)<\/li>\n\n\n\n<li>Bank account statement<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-co-applicant-documents\"><span id=\"co-applicant-documents\">Co-applicant Documents<\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Salaried:<\/strong>&nbsp;Last 6 months&#8217; bank statements.<\/li>\n\n\n\n<li><strong>Self-employed:<\/strong>&nbsp;Business transaction statements for the past year.<\/li>\n<\/ul>\n\n\n\n<p><strong>Personal Asset &amp; Liability Statement<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Self-attested documents for your assets and liabilities.<\/li>\n<\/ul>\n\n\n\n<p><strong>Applicant&#8217;s Academic Documents<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Marksheets and certificates (10th, 12th, and degree)<\/li>\n\n\n\n<li>Admission proof showing course duration<\/li>\n\n\n\n<li>The fee structure for the program<\/li>\n\n\n\n<li>Scorecards for language tests or entrance exams (if applicable)<\/li>\n\n\n\n<li>University ranking (if available)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-financial-co-applicant-income-documents\"><span id=\"financial-co-applicant-income-documents\">Financial Co-applicant Income Documents<\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Salaried:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Last 3 months&#8217; salary slips<\/li>\n\n\n\n<li>Form 16 for the past 2 years<\/li>\n\n\n\n<li>Employer ID card<\/li>\n\n\n\n<li>Income Tax Returns (ITR) for the last 2 years<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Self-employed:<\/strong>\n<ul class=\"wp-block-list\">\n<li>ITR for the last 3 years<\/li>\n\n\n\n<li>Balance sheet and profit &amp; loss statements for the last 3 years<\/li>\n\n\n\n<li>Business address proof<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-additional-documents\"><span id=\"additional-documents\">Additional Documents<\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Declaration letter stating the co-applicant will cover any leftover expenses<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Receipts for any university payments made<\/li>\n\n\n\n<li>Statements for any pending loan accounts<\/li>\n\n\n\n<li><a href=\"https:\/\/fly.finance\/blog\/education-loan\/gap-certificate-for-education-loan\/\"><strong>Gap Certificate<\/strong><\/a>&nbsp;explanation letter<\/li>\n<\/ul>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong>Also Read: Planning to refinance your education loans? Check out the list of&nbsp;<\/strong><a href=\"https:\/\/fly.finance\/blog\/education-loan\/documents-required-for-education-loan-refinancing\/\"><strong>documents required for education loan refinancing<\/strong><\/a><strong>.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-apply-for-cosmos-bank-education-loan\"><span id=\"how-to-apply-for-cosmos-bank-education-loan\">How to Apply for Cosmos Bank Education Loan?<\/span><\/h2>\n\n\n\n<p>Applying for a loan from Cosmos Bank is very easy. You have two modes to apply- online and offline. While you can visit the nearest offline branch, the online mode of application is much more convenient and hassle-free. Check out how you can apply for Cosmos education loan-<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-offline-application\"><span id=\"offline-application\">Offline Application<\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Visit the nearest Cosmos Bank branch.<\/li>\n\n\n\n<li>Attach the list of documents along with the duly filled loan application form.<\/li>\n\n\n\n<li>Submit the form to the bank official.<\/li>\n\n\n\n<li>The loan will be processed immediately and you will be informed.<\/li>\n<\/ul>\n\n\n\n<p><strong>Please note:&nbsp;<\/strong>Cosmos Bank Branches are located in 7 states only- Andhra Pradesh, Gujarat, Karnataka, Madhya Pradesh, Maharashtra, Tamil Nadu, and Telangana.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-online-application\"><span id=\"online-application\">Online Application<\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Head to the &#8220;Apply for Education Loan Tab&#8221; on their website and enter some basic information to see if you meet the eligibility criteria.<\/li>\n\n\n\n<li>Select the loan program that best suits your needs.<\/li>\n\n\n\n<li>Depending on the bank&#8217;s system, you might be able to get a preliminary loan approval online.<\/li>\n\n\n\n<li>Visit your preferred Cosmos Bank branch and submit the required documents along with a completed loan application form.<\/li>\n<\/ul>\n\n\n\n<p>This was all about Cosmos Bank&#8217;s education loan to study abroad. Make sure to compare the&nbsp;<a href=\"https:\/\/fly.finance\/blog\/education-loan\/education-loan-interest-rates-of-different-banks-and-nbfcs\/\"><strong>education loan interest rates of different banks and NBFCs<\/strong><\/a>.&nbsp;<\/p>\n\n\n\n<p>To know more about&nbsp;<a href=\"https:\/\/fly.finance\/blog\/education-loan\/\"><strong>education loans<\/strong><\/a>, the best&nbsp;<a href=\"https:\/\/fly.finance\/blog\/student-account\/\"><strong>bank accounts for students<\/strong><\/a>, forex and banking experience for global students or&nbsp;<a href=\"https:\/\/fly.finance\/blog\/money-transfer\/\"><strong>international money transfers<\/strong><\/a>, reach out to our experts at 1800572126 to help ease your study abroad experience.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs\"><span id=\"faqs\">FAQs<\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1718358518266\"><strong class=\"schema-faq-question\"><strong>What is the maximum loan amount for Cosmos Bank education loan?<\/strong><\/strong> <p class=\"schema-faq-answer\">Cosmos Bank provides education loans under its \u2018 Cosmo Education Loan Scheme\u2019. Loans of up to INR 1.25 crores to study abroad are offered to meritorious students. Education loans up to INR 50 lakhs are offered to study in India.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1718358520030\"><strong class=\"schema-faq-question\"><strong>What is Cosmos Bank education loan interest rate?<\/strong><\/strong> <p class=\"schema-faq-answer\">Cosmos Bank education loan interest rates are\u00a0<strong>8.25% p.a. for females<\/strong>\u00a0and\u00a0<strong>8.65% p.a. for males<\/strong>.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1718358520889\"><strong class=\"schema-faq-question\"><strong>Can I get a collateral-free education loan from <strong>Cosmos Bank<\/strong>?<\/strong><\/strong> <p class=\"schema-faq-answer\">For education loans up to INR 2 lakhs, co-obligation of parents is necessary. For Cosmos Bank education loans above INR 2 lakhs, co-obligation of parents with tangible collateral security is required. Applicants must provide security cover up to 60-70% of the loan amount.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1718358521585\"><strong class=\"schema-faq-question\"><strong>Is interest charged on Cosmos education loan during the moratorium?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes, Cosmos Bank education loans have simple interest charges during the repayment\/ moratorium period. The accrued interest during the repayment period will be added to the principal and repayment in EMIs.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1718358522994\"><strong class=\"schema-faq-question\"><strong>What are the eligible courses for Cosmos education loan to study abroad?<\/strong><\/strong> <p class=\"schema-faq-answer\">Students who pursue job-oriented professional\/ technical courses from reputed universities are eligible for Cosmos Bank education loan study abroad. Post-graduation courses like MCA, MBA, MS, etc. and courses conducted by CIMA-London, CPA in the USA are also eligible to avail of Cosmos education loan.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1718358576714\"><strong class=\"schema-faq-question\"><strong>How can I apply for Cosmos Bank education loan?<\/strong><\/strong> <p class=\"schema-faq-answer\">Applying for Cosmos Bank education loan is super easy. You have two modes to apply- online and offline. While you can visit the nearest offline branch, the online mode of application is much more convenient and hassle-free.<\/p> <\/div> <\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-pale-ocean-gradient-background has-background\"><tbody><tr><td colspan=\"2\"><strong>Related Blogs<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/education-loan\/nainital-bank-education-loan-for-abroad\/\"><strong>Nainital Bank Education Loan For Abroad<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/education-loan\/minimum-family-income-requirements-for-education-loan\/\"><strong>Minimum Family Income Requirements For Education Loan<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/education-loan\/issues-after-education-loan-sanction\/\"><strong>Issues After Education Loan Sanction<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/education-loan\/indusind-bank-education-loan\/\"><strong>IndusInd Bank 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href=\"https:\/\/fly.finance\/blog\/education-loan\/eligibility-criteria-for-loan-capability-certificate\/\"><strong>Eligibility Criteria For Loan Capability Certificate<\/strong><\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Follow Us on Social Media <\/strong><\/p>\n\n\n\n<ul class=\"wp-block-social-links is-layout-flex wp-block-social-links-is-layout-flex\"><li class=\"wp-social-link wp-social-link-instagram  wp-block-social-link\"><a href=\"https:\/\/instagram.com\/flydotfinance\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12,4.622c2.403,0,2.688,0.009,3.637,0.052c0.877,0.04,1.354,0.187,1.671,0.31c0.42,0.163,0.72,0.358,1.035,0.673 c0.315,0.315,0.51,0.615,0.673,1.035c0.123,0.317,0.27,0.794,0.31,1.671c0.043,0.949,0.052,1.234,0.052,3.637 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The bank\u2019s \u2018Cosmo Education Loan Scheme\u2019 helps deserving students to avail of education loans up to INR 1.25 crores at interest rates starting from 8.25% p.a.&nbsp;Cosmo Bank education loans&nbsp;are disbursed within 30 days, &#8230; <a title=\"Cosmos Bank Education Loan to Study Abroad: Interest Rates, Eligibility, How to Apply\" class=\"read-more\" href=\"https:\/\/fly.finance\/blog\/education-loan\/cosmos-bank-education-loan\/\" aria-label=\"Read more about Cosmos Bank Education Loan to Study Abroad: Interest Rates, Eligibility, How to Apply\">Read more<\/a><\/p>\n","protected":false},"author":29,"featured_media":13133,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21],"tags":[],"class_list":["post-13132","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-education-loan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Cosmos Bank Education Loan to Study Abroad: Interest Rates, Eligibility, How to Apply<\/title>\n<meta name=\"description\" content=\"Check out this blog on Cosmos Bank education loan. 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I'm Shubhika- a proud graduate in English Literature and Language from Delhi University. My journey as a content writer transitioned from online teacher into the world of words. Stepping into the domain of blogs and articles, I discovered my passion for writing growing deeper and stronger. Having said that, I have experience of writing for diverse industries in automobile, technology, ed-tech, finance and mental-health; crafting details to help you find the solution to what you are looking for. Join me as I invite you all explore and learn together.","sameAs":["https:\/\/www.facebook.com\/shubhika.garg\/","https:\/\/www.instagram.com\/shubhika.garg\/","https:\/\/www.linkedin.com\/in\/shubhikagarg71\/","https:\/\/www.tumblr.com\/blog\/shubhikahere"],"url":"https:\/\/fly.finance\/blog\/author\/shubhika\/"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/cosmos-bank-education-loan\/#faq-question-1718358518266","position":1,"url":"https:\/\/fly.finance\/blog\/education-loan\/cosmos-bank-education-loan\/#faq-question-1718358518266","name":"What is the maximum loan amount for Cosmos Bank education loan?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Cosmos Bank provides education loans under its \u2018 Cosmo Education Loan Scheme\u2019. Loans of up to INR 1.25 crores to study abroad are offered to meritorious students. Education loans up to INR 50 lakhs are offered to study in India.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/cosmos-bank-education-loan\/#faq-question-1718358520030","position":2,"url":"https:\/\/fly.finance\/blog\/education-loan\/cosmos-bank-education-loan\/#faq-question-1718358520030","name":"What is Cosmos Bank education loan interest rate?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Cosmos Bank education loan interest rates are\u00a0<strong>8.25% p.a. for females<\/strong>\u00a0and\u00a0<strong>8.65% p.a. for males<\/strong>.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/cosmos-bank-education-loan\/#faq-question-1718358520889","position":3,"url":"https:\/\/fly.finance\/blog\/education-loan\/cosmos-bank-education-loan\/#faq-question-1718358520889","name":"Can I get a collateral-free education loan from Cosmos Bank?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"For education loans up to INR 2 lakhs, co-obligation of parents is necessary. For Cosmos Bank education loans above INR 2 lakhs, co-obligation of parents with tangible collateral security is required. Applicants must provide security cover up to 60-70% of the loan amount.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/cosmos-bank-education-loan\/#faq-question-1718358521585","position":4,"url":"https:\/\/fly.finance\/blog\/education-loan\/cosmos-bank-education-loan\/#faq-question-1718358521585","name":"Is interest charged on Cosmos education loan during the moratorium?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes, Cosmos Bank education loans have simple interest charges during the repayment\/ moratorium period. The accrued interest during the repayment period will be added to the principal and repayment in EMIs.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/cosmos-bank-education-loan\/#faq-question-1718358522994","position":5,"url":"https:\/\/fly.finance\/blog\/education-loan\/cosmos-bank-education-loan\/#faq-question-1718358522994","name":"What are the eligible courses for Cosmos education loan to study abroad?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Students who pursue job-oriented professional\/ technical courses from reputed universities are eligible for Cosmos Bank education loan study abroad. Post-graduation courses like MCA, MBA, MS, etc. and courses conducted by CIMA-London, CPA in the USA are also eligible to avail of Cosmos education loan.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/cosmos-bank-education-loan\/#faq-question-1718358576714","position":6,"url":"https:\/\/fly.finance\/blog\/education-loan\/cosmos-bank-education-loan\/#faq-question-1718358576714","name":"How can I apply for Cosmos Bank education loan?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Applying for Cosmos Bank education loan is super easy. You have two modes to apply- online and offline. While you can visit the nearest offline branch, the online mode of application is much more convenient and hassle-free.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/13132","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/users\/29"}],"replies":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/comments?post=13132"}],"version-history":[{"count":3,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/13132\/revisions"}],"predecessor-version":[{"id":13138,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/13132\/revisions\/13138"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/media\/13133"}],"wp:attachment":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/media?parent=13132"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/categories?post=13132"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/tags?post=13132"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}