Education made Affordable

No Cost EMI* Service for All Education Expenses Pay annual fees in easy installments of 3, 6, 9 or 12 months

emi banner

Education made Affordable

No Cost EMI* Service for All Education Expenses

Pay annual fees in easy installments of 3, 6, 9 or 12 months

T&C Apply*

We just made education lighter on your wallet

Benefits of No Cost EMI*


No Collateral required

Zero Processing Fees

Zero Processing fees

Easy Online Process and Payment

Easy Online process

Health Insurance for Children

*Free Student Health Insurance

Life Insurance for Parents

*Free Parents Life Insurance

Take your pick

We have all levels of education covered.

Play Schools

Play Schools





Coaching Centres

Coaching Centres

Vocational Courses

Vocational Courses




Coaching Centers

Vocational Courses

If you are an institution and want to know more click here.

How it works for Student/Parents?

How it works ?

Easy online process

select emi plan

Select EMI Plan

fill borrower details

Fill Borrower Details

review & confirm

Review & Confirm

Any Questions?

Read the FAQ

Related to Eligibility for a Loan
  1. Father/Mother/Guardian of the Student who is earning
  2. Age limit min 21 yrs - max 60 yrs.
  3. Have a valid PAN & Aadhar Card
  1. Yes, only in the case when the salary cheque gets deposited in the bank account.
  2. You can provide the bank statement in which salary cheque has been deposited
Min Income document required for self-employed is 2 yrs ITR If you don't have ITR and have any of the below-mentioned documents you can apply
  1. Credit Card Statement
  2. Loan Repayment statement
  3. Previous year fees slip
We give loans upto Rs. 10 lakh. The sanctioned loan amount depends on your financial and credit history information.
Related to Apply Process
The steps involved are:
  1. Loan Application Review By Brainybatch
  2. Verification of applicants
  3. Sent To Lender
  4. Disbursed
Rates depend on your credit and financial profile. However, as per the EduEMI programs it also depends on your selected Education Institution. It may be No Cost or a standard or discounted cost may be charged.
Documents required are:


  1. PAN & Aadhaar Card
  2. Current Address Proof
  3. 6 months-Salary Slip or Credit Card/Loan Repayment statement or 2 yrs-ITR doc
  4. 6 months-Bank Account Statement


  1. Institute Declaration letter
  2. Fee slip from the institution for the fees paid through the loan amount
No, the Loan amount will be directly transferred to your (student's) Educational institution (Playschool/school/college/coaching center/vocational colleges) bank account directly.
After we verify the information from the submitted documents. Once approved, money is disbursed in 48 working hours.
You can click here to check the current status of your application.
No collaterals or gaurantor is required.
You need to receive at least one salary credit from the new company. Along with that, we would see past salary credits and new payslip.
Related to Repaying a Loan
Yes, after approval Parents/student need to sign ENACH/NACH (National Automated Clearing House) form, once that is approved, the EMI would be auto-debited from your bank account on the EMI due date.
We will send reminders before EMI date so that you don't miss out on payment. Late payments are taken seriously. If auto-debit or cheque is dishonoured due to insufficient funds, we will send a notice to settle the payment immediately. We will call, visit residence and if even after repeated reminders, the payment is not made, we will take further legal action on behalf of the lender. In cases of non- repayment of EMI for more than 2 months the student's Certification from his/her school/college will be made on HOLD till the time of repayment.
you may be liable for legal action towards recovery of loan defaults if any.
Related to Legal and Policy
We are an ISO 9001:2015 Certified Quality Management System. Your information is completely secure with us. We do not share sensitive information with even the lenders unless they require it for legal reason in case of non-payment of dues.
Related to Customer Relations
You can call us at 9611670071. More contact details can be found here.
Yes, you can earn upto Rs. 500 for every successful referral. Find more details here.

Our Vision

Brainybatch is an online platform, for Parents and Educational Institutions, striving to provide technology driven solutions to make relevant education affordable and accessible.

As rewarding as it may be, education is an expensive and risky investment. But that has never stopped parents from going the extra mile because they understand the long term benefits it offers. The foundation provided by good quality education secures a successful future for children.

The No Cost EMI service is loan that helps reduce the financial burden for parents, with benefits extended to educational expenses from kindergarten to higher studies.

To shape our collective social future, we have offerings to enable a young budding mind in making an informed and suited career choice, all by themselves!

congrats! we'll get back to you shortly.