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Yes, most professional courses require entrance exams like JEE, NEET, or CLAT.

• Tuition fees
• Living expenses (if applicable)
• Insurance premium for your policy (if any)
• Other Value-Added Services (VAS) availed by you (if any)
• Legal charges, if any
• Other charges, fee or cost, subject to T&C (if any)

A lien is a temporary hold on your loan funds in the designated bank account, ensuring proper use for academic expenses. A loan is disbursed based on the sanction terms. The funds deposited in the designated bank account are released for the specific use for which they are granted.

You can access both documents by visiting our website. Here are the links for your reference:

• Schedule of Charges: https://www.avanse.com/schedule-of-charges
• Interest Rate Policy: https://www.avanse.com/pdf/corporate-governance/Interest%20Rate%20Policy%20-%20Avanse-21-Jan-2025%20-%20For%20Update.pdf

A NACH (National Automated Clearing House) mandate is a simple and secure authorisation you give to your bank. It allows Avanse to automatically collect your monthly EMIs directly from your bank account on the due date. Think of it as setting up an automatic, recurring payment for your loan. It’s a “set it and forget it” instruction that ensures your EMIs are paid on time without any manual effort from your side.

One of the simplest ways to ensure worry-free repayment is by registering your NACH (National Automated Clearing House) mandate. This enables automatic deduction of your monthly instalments from your bank account on the due date.

Yes, you can share your request at wecare@avanse.com to update or swap your NACH mandate. If you are switching to a new bank account, the request will go through our internal approval process to ensure security. Once approved, the new mandate will replace the old one, and your EMIs will continue seamlessly from the updated account.

Your credit score indicates your creditworthiness based on your financial records with the regulated credit bureaus. A high credit score implies that you have good credit/financial history. Any delay in paying the EMI or non-repayment of the loan may have a direct negative impact on your credit score as well as that of the co-applicants involved. This is because we are required to report loan repayment status to credit bureaus in accordance with regulatory guidelines.

Think of VAS as optional products and services designed to support your educational journey. These are non-loan solutions available as per your suitability and choice for your convenience and protection, such as wellness packages, insurance and more.

Usually, yes. Avanse supports most full-time undergraduate and postgraduate courses across accredited universities, global campuses in India, and leading new-age tech and management institutes. Eligibility is finalised during profile assessment.

Typically, parents, spouse, or financial guardians serve as co-applicants. In specific cases, siblings or close blood relatives are also eligible.

Not always. We offer collateral-free options for many eligible profiles and institutions. However, depending on factors such as your academic record, loan amount, and financial evaluation, a co-applicant or collateral may be required during the assessment process.