Transparent interest rates and complete schedule of charges.
At Shreeyansh Edufin, every interest rate band, processing fee, and servicing charge is published openly. All loans are calculated strictly on a monthly reducing-balance basis.
Indicative interest rates across lending verticals
Annualised percentage rates (p.a.) for qualifying borrowers. Final sanctioned rate is calibrated to individual credit appraisal.
Personal Loan
Monthly reducing balance- Processing Fee
- Up to 2.5% + GST
- Maximum Limit
- ₹25 Lakh
- Maximum Tenure
- 5 years
Business Loan
Monthly reducing balance- Processing Fee
- Up to 3% + GST
- Maximum Limit
- ₹50 Lakh
- Maximum Tenure
- 5 years
Education Loan
Monthly reducing balance- Processing Fee
- Up to 1% + GST
- Maximum Limit
- ₹75 Lakh
- Maximum Tenure
- 15 years
Professional Loan
Monthly reducing balance- Processing Fee
- Up to 2% + GST
- Maximum Limit
- ₹75 Lakh
- Maximum Tenure
- 7 years
Comprehensive schedule of charges
Itemized tariff structure applicable across Personal, Business, Education, and Professional credit facilities.
| Fee / Charge Description |
Personal Loan
|
Business Loan
|
Education Loan
|
Professional Loan
|
|---|---|---|---|---|
| Interest rate (p.a.) | 10.99% – 24% | 14% – 26% | 9.5% – 15% | 11.5% – 18% |
| Processing fee | Up to 2.5% + GST | Up to 3% + GST | Up to 1% + GST | Up to 2% + GST |
| Documentation charges | ₹1,000 | ₹2,500 | Nil | ₹1,500 |
| Part-prepayment | 2% of amount paid (after 6 EMIs) | 3% of amount paid (after 12 EMIs) | Nil | 2% of amount paid (after 6 EMIs) |
| Foreclosure charges | 4% of outstanding (after 6 EMIs) | 4% of outstanding (after 12 EMIs) | Nil | 3% of outstanding (after 6 EMIs) |
| Late payment penalty | 2% p.m. on overdue EMI | 2% p.m. on overdue EMI | 2% p.m. on overdue EMI | 2% p.m. on overdue EMI |
| EMI / cheque bounce | ₹500 per instance | ₹750 per instance | ₹500 per instance | ₹500 per instance |
| Repayment mode swap | ₹500 | ₹500 | ₹500 | ₹500 |
| Duplicate NOC / statement | ₹250 | ₹250 | ₹250 | ₹250 |
| Stamp duty | As per state laws | As per state laws | As per state laws | As per state laws |
What determines your sanctioned interest rate?
We apply objective underwriting parameters so borrowers with disciplined repayment histories and low debt-to-income ratios receive our lowest rate tiers.
Shreeyansh Edufin and its authorized officers never request advance cash, registration deposits, or upfront insurance fees prior to loan disbursal. Applicable processing fees are deducted directly from sanctioned loan proceeds at disbursement. Report any unauthorized demand immediately to grievance@shreeyanshedufin.com.
Credit Bureau Score
A CIBIL or Experian score of 750+ demonstrates consistent credit discipline and unlocks our lowest interest rate tier.
Fixed Obligation Ratio (FOIR)
Applicants whose existing monthly EMIs represent less than 35% of net monthly income qualify for preferential pricing.
Employer & Business Vintage
Employment with established corporates/PSUs or a stable commercial operating track record of 3+ years reduces risk premiums.
Repayment Tenure Selection
Shorter tenures lower total interest outgo and carry tighter base interest spreads compared to extended tenures.
University & Council Pedigree
Admission to premier universities or registration with statutory medical/CA councils qualifies for special scheme rates.
Primary Banking Conduct
Clean bank account operations with zero inward cheque or NACH returns over the past 12 months strengthen rate negotiations.
Questions on interest & charges
Clarifications on reducing-balance calculations, part-prepayments, and GST applicability.
Share your profile with our credit desk to receive an exact Key Fact Statement tailored to your requirement.
Request rate quoteAre your interest rates fixed or floating?
How does a reducing-balance rate differ from a flat rate?
When can I make a part-prepayment to reduce my interest burden?
Are there any charges other than those listed in the schedule above?
Request a formal sanction quote with complete fee clarity
Check your eligible limit online or calculate your exact monthly repayment schedule.