{"id":32504,"date":"2024-03-11T19:14:26","date_gmt":"2024-03-11T13:44:26","guid":{"rendered":"https:\/\/test-blog.unicreds.com\/blog\/?p=32504"},"modified":"2025-07-04T12:36:11","modified_gmt":"2025-07-04T07:06:11","slug":"hdfc-bank-vs-idfc-first-bank","status":"publish","type":"post","link":"https:\/\/unicreds.com\/blog\/hdfc-bank-vs-idfc-first-bank\/","title":{"rendered":"Comparing Credila Vs IDFC First Bank Education Loan"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_75 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/unicreds.com\/blog\/hdfc-bank-vs-idfc-first-bank\/#Eligibility_Criteria\" >Eligibility Criteria<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/unicreds.com\/blog\/hdfc-bank-vs-idfc-first-bank\/#Interest_Rates\" >Interest Rates<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/unicreds.com\/blog\/hdfc-bank-vs-idfc-first-bank\/#Processing_Fees\" >Processing Fees<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/unicreds.com\/blog\/hdfc-bank-vs-idfc-first-bank\/#Maximum_Loan_Amount\" >Maximum Loan Amount<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/unicreds.com\/blog\/hdfc-bank-vs-idfc-first-bank\/#Moratorium_Period\" >Moratorium Period<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/unicreds.com\/blog\/hdfc-bank-vs-idfc-first-bank\/#Margin_Money_Charged\" >Margin Money Charged<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/unicreds.com\/blog\/hdfc-bank-vs-idfc-first-bank\/#Repayment_Terms\" >Repayment Terms<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/unicreds.com\/blog\/hdfc-bank-vs-idfc-first-bank\/#Types_Of_Collateral\" >Types Of Collateral<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/unicreds.com\/blog\/hdfc-bank-vs-idfc-first-bank\/#Countries_Each_Bank_Caters_To\" >Countries Each Bank Caters To<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/unicreds.com\/blog\/hdfc-bank-vs-idfc-first-bank\/#Which_Of_The_Two_Is_UniCreds_Partner\" >Which Of The Two Is UniCreds&#8217; Partner?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/unicreds.com\/blog\/hdfc-bank-vs-idfc-first-bank\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\n<div id=\"bsf_rt_marker\"><\/div>\n<p><\/p>\n\n\n\n<p>Studying abroad is the ultimate goal for many students due to the quality of education and potential career development opportunities. However, higher education institutions revise tuition fees annually, increasing study abroad costs.<\/p>\n\n\n\n<p>While scholarships have proven competitive, Indian students can consider taking education loans from Credila Vs IDFC First Bank to fund their studies.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Particular<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Credila<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>IDFC Bank<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Interest Rates<\/td><td class=\"has-text-align-center\" data-align=\"center\">From 9.50% p.a.<\/td><td class=\"has-text-align-center\" data-align=\"center\">10% to 15% p.a.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Maximum Loan Amount<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to Rs.10 lakh<\/td><td class=\"has-text-align-center\" data-align=\"center\">No Limit<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Moratorium Period<\/td><td class=\"has-text-align-center\" data-align=\"center\">Course period + 12 Months<\/td><td class=\"has-text-align-center\" data-align=\"center\">Course period + 12 Months\/ 6 Months after employment<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Repayment Terms<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to 15 years<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to 15 years<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Processing Fees<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to 1% of the loan amount<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to 1.5% of the loan amount<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Eligibility_Criteria\"><\/span><strong>Eligibility Criteria<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>It would help if you attained specific eligibility criteria for funding from IDFC Bank and Credila. Each bank has its requirements, and you must check all the details to ensure you submit your application having met them. This can increase your chances of getting your education loan accepted and disbursed.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\" colspan=\"2\"><strong>Eligibility Criteria for IDFC Bank and Credila<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Credila<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>IDFC Bank Education Loan<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">-Must be an Indian resident<br>-Must be between 16 \u2013 35 years old<br>-Must have a co-applicant for full-time programmes<br>-Must be pursuing postgraduate degree or diploma courses<br>-Must have admission to a reputable institution<\/td><td class=\"has-text-align-center\" data-align=\"center\">-Must be an Indian resident-Must be 18+ years<br>-Must have the pre-admission sanction<br>-Must be enrolled in a higher education institution<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<div style=\"text-align: center;\"><button style=\"background-color: #289048; color: white; border: none; padding: 10px 20px; border-radius: 5px; font-size: 18px; font-weight: bold;\"> <a style=\"text-decoration: none; color: white;\" href=\"https:\/\/unicreds.com\/check-your-loan-eligibility?utm_source=uc-blog&amp;utm_medium=organic&amp;utm_campaign=loan-eligibility-button\" target=\"_blank\" rel=\"noopener\">Check your Loan Eligibility<\/a> <\/button><\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Interest_Rates\"><\/span><strong>Interest Rates<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Interest rates on education loans are among the top determinants of which financial institutions to borrow from. Students often consider the potential interest rates when determining which bank is best, IDFC or Credila. This is because these are private banks and often have harsh rates.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Bank<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Interest Rates<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Credila<\/td><td class=\"has-text-align-center\" data-align=\"center\">From 9.50% p.a.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">IDFC Bank<\/td><td class=\"has-text-align-center\" data-align=\"center\">10% to 15% p.a.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p><a href=\"https:\/\/unicreds.com\/partners\/idfc\" target=\"_blank\" rel=\"noopener\">IDFC First Bank education loan<\/a>s have a defined range of interest rates, while Credila Bank only presents a minimum percentage.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Processing_Fees\"><\/span><strong>Processing Fees<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Processing fees cover the loan procedure from application, screening, acceptance, and disbursement. This is a bank&#8217;s income charged for helping students facilitate their education loans. This is one among many other fees charged, such as cancellation, stamping, rescheduling, EMI collection, and check swaps, among additional charges.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Bank<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Processing Fees<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Credila<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to 1% of the Loan Amount<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">IDFC Bank<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to 1.5% of the Loan Amount<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Maximum_Loan_Amount\"><\/span><strong>Maximum Loan Amount<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>The maximum education loan amount is another significant difference between IDFC Bank and Credila. It has been crucial for borrowers and students to choose the bank that can give them the required amount for their studies abroad.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Bank<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Maximum Loan Amount<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Credila<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to Rs.10 lakh<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">IDFC Bank<\/td><td class=\"has-text-align-center\" data-align=\"center\">No Limit<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<div style=\"text-align: center;\"><button style=\"background-color: #289048; color: white; border: none; padding: 10px 20px; border-radius: 5px; font-size: 18px; font-weight: bold;\"> <a style=\"text-decoration: none; color: white;\" href=\"https:\/\/unicreds.com\/get-expert-advice?utm_source=uc-blog&amp;utm_medium=organic&amp;utm_campaign=help-me-get-abroad-education-loan-button\" target=\"_blank\" rel=\"noopener\">Help me get Abroad Education Loan<\/a> <\/button><\/div>\n\n\n\n<p><\/p>\n\n\n\n<p><a href=\"https:\/\/unicreds.com\/partners\/credila-education-loan\" target=\"_blank\" rel=\"noreferrer noopener\">Credila education loan<\/a> is only for students who require less as they opt for the no-limit advantage offered by IDFC Bank.\u00a0<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Moratorium_Period\"><\/span><strong>Moratorium Period<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>The period of moratorium is a grace period given by banks before they start requesting loan repayment instalments. This allows students to complete their studies and get an extra year or so to look for funds before repayment begins. Although there is an identical moratorium period for IDFC Bank vs Credila <a href=\"https:\/\/unicreds.com\/abroad-education-loan\" target=\"_blank\" rel=\"noreferrer noopener\">abroad education loan<\/a>, the terms are slightly altered.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Bank<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Moratorium Period<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Credila<\/td><td class=\"has-text-align-center\" data-align=\"center\">Course period + 12 Months<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">IDFC Bank<\/td><td class=\"has-text-align-center\" data-align=\"center\">Course period + 12 Months\/ 6 Months after employment<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Margin_Money_Charged\"><\/span><strong>Margin Money Charged<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Private banks often give secured education loans. This means that you have to provide collateral to get the funding option. The margin money is the down payment made towards the total loan cost. IDFC Bank and Credila offer 100% financing to students pursuing higher education abroad. This means that a margin is not required for such loans.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Repayment_Terms\"><\/span><strong>Repayment Terms<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>One crucial factor, when you want to repay education loans, is to consider the repayment terms given. These are terms within which you must fully pay your education loan to avoid any penalties. There\u2019s no difference between IDFC Bank vs Credila education loans as they both have a repayment term of 15 years with slight differences.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Bank<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Repayment Terms<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Credila<\/td><td class=\"has-text-align-center\" data-align=\"center\">-10 years for loans up to 7.5 Lakhs<br>-15 years for loans above 7.5 Lakhs<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">IDFC Bank<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to 15 years<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Types_Of_Collateral\"><\/span><strong>Types Of Collateral<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Collateral is essential for secured loans; you have to provide valid collateral to get an education loan from either bank. This will guarantee that you can afford to repay the loan; if you still need to, you&#8217;ve provided something in place of your loan in case of default. The collaterals for Credila vs IDFC First Bank include:<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Bank<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Types of Collateral<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Credila<\/td><td class=\"has-text-align-center\" data-align=\"center\">-Moveable: HL with HDFC Ltd or Fixed Deposit with Credila or\u00a0<br>-Immoveable Collateral: House, Flat, Bungalow, Shop, Land (Non-Agricultural), etc.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">IDFC Bank<\/td><td class=\"has-text-align-center\" data-align=\"center\">-Collateral-free loans up to INR 50 lakhs<br>-Applicable collateral for loans above INR 50 lakhs<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Countries_Each_Bank_Caters_To\"><\/span><strong>Countries Each Bank Caters To<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>IDFC Bank operates in various countries, including India, the US, the UK, Canada, Singapore, UAE, Australia, Saudi Arabia, Qatar, Oman, Bahrain, etc. On the other hand, Credila operates in countries such as UAE, Bahrain, Hong Kong, and Kenya.\u00a0<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Which_Of_The_Two_Is_UniCreds_Partner\"><\/span><strong>Which Of The Two Is UniCreds&#8217; Partner?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>UniCreds has partnered with both IDFC First Bank as well as Credila. A student looking for an education loan can come to us and understand the process in minutes. Your formalities will all be carried out by the representatives of UniCreds, helping you stay stress-free about your future education.\u00a0<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span><strong>FAQs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Which Bank Is Better, IDFC Bank Or Credila?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>This is subjective depending on specific student needs.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Which Bank Offers Better Interest Rates For Education Loans, IDFC Bank Or Credila?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>Credila offers better interest rates from as low as 9.5% p.a.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Can You Compare The Processing Fees For Education Loans At IDFC Bank And Credila?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>IDFC Bank has higher processing fees.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. What Is The Maximum Loan Amount Offered By IDFC Bank And Credila For Education Purposes?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>Credila offers education loans of up to Rs.10 lakh, but there&#8217;s no limit for IDFC Bank.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. Are there Any Specific Eligibility Criteria That Differ Between IDFC Bank And Credila Education Loans?<\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>The only significant difference in the eligibility criteria is the qualifying age, with Credila offering loans to applicants of 16 \u2013 35 years, and IDFC Bank has a minimum bracket of 18 years.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6. How Do The Repayment Terms Vary Between IDFC Bank And Credila Education Loans?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>Both repayment terms are 15 years old, but Credila adds the loan amount element.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Studying abroad is the ultimate goal for many students due to the quality of education and potential career development opportunities. However, higher education institutions revise tuition fees annually, increasing study abroad costs. While scholarships have proven competitive, Indian students can consider taking education loans from Credila Vs IDFC First Bank to fund their studies. Particular [&hellip;]<\/p>\n","protected":false},"author":74,"featured_media":32505,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[2578],"tags":[2853,2851,2842,2849,2850,32,2846,2844],"class_list":["post-32504","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-student-loan","tag-australia","tag-france","tag-germany","tag-ireland","tag-new-zealand","tag-student-loan","tag-uk","tag-usa"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Comparing Credila Vs IDFC First Bank Education Loan - UniCreds Blog<\/title>\n<meta name=\"description\" content=\"Credila Vs IDFC First Bank: Understand the key differences between these two top banks in the education loan sector.\" \/>\n<meta name=\"robots\" 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