The HDFC Education Loan for Foreign Education Rates & Fees are as follows:

Description of Services

Charges in Rupees  

Pre-payment charges  


No Objection Certificate (NOC)  


Delayed Payment Charges *  

@ 2 % per month of instalment ( MI/PMII)+ applicable taxes thereon  

Statutory CERSAI charges  

As per charges levied by CERSAI. 

Cheque or ACH mandate or Direct Debit swapping charges*  

Up to Rs.500/- per swap instance plus applicable taxes thereon  

Cheque/ACH/Direct Debit Bouncing Charges*  

Rs. 400/- per dishonor of cheque or ACH or Direct Debit return per presentation plus applicable any taxes thereon  

Legal / incidental charges  

At actual  

Stamp Duty and other statutory charges  

As per applicable laws of the state  

Manual Collection Charges*  

Rs. 200/- per visit plus applicable any taxes thereon  

Charges for Updating & Handling Loan Account As Per Customer Request*  

Rs. 1,500/- plus applicable any taxes thereon  

Origination Fees  

1.5% + Taxes of the Sanction Amount & is Non-Refundable

Loan Amount (Rs.)
ROIInterest Amount (Rs.)Yearly Tax Savings (Rs.)Effective Rate of Interest

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*Terms & conditions apply and may change conditionally. Credit at the sole discretion of HDFC Credila Financial Services Limited (formerly known as HDFC Credila Financial Services Private Limited)

*Charges which are in nature of fees are EXCLUSIVE of GST. GST and other government levies, as applicable, would be charged additionally.