Propelld Blog

For most families, taking an education loan beats using savings — even when you have the money. A ₹12L loan at 9% costs about ₹6L in net interest after tax benefits, but the ₹12L kept invested at 10-12% grows by ₹19-25L over the same period. The loan route leaves you ₹15L+ wealthier. Best strategy: pay 30-50% from savings, loan the rest.