The 100% Financing Advantage
One of the biggest pain points for students and parents while applying for an education loan is margin money. Traditional lenders often require you to pay 5–15% of the total education cost upfront before sanctioning the loan. This means if your course costs ₹20 lakhs, you may have to arrange ₹1-3 lakhs out of pocket.
At Propelld, we believe that lack of savings should never stop a student from pursuing their dream education. That’s why our policy is simple and student-first:
Propelld offers 0% margin money → 100% financing on education loans.
What is Margin Money in Education Loans?
1. Margin money = the amount you must pay out of pocket before your loan is disbursed.
2. Example: If your loan is ₹10 lakhs and margin requirement = 10%, the bank will sanction only ₹9 lakhs, and you must pay ₹1 lakh yourself.
3. It increases the financial burden, especially when families are already arranging for visas, deposits, or other expenses.
Propelld’s Policy: 0% Margin Money
1. Propelld funds 100% of education loans with no co obligation.
2. No hidden conditions, no compulsory upfront contribution.
3. Applies across all business lines:
- Domestic higher education loans
- Abroad education loans
- Coaching (IIT-JEE/NEET, MBA prep, etc.)
- Upskilling & career-focused programs
Comparison: Propelld vs Others
With Propelld, you don’t need to break FDs, borrow from relatives, or delay admissions due to margin money.
Why 0% Margin Money Matters?
1. True 100% Financing – Tuition and hostel for domestic loans. Additionally, laptop, exam fees, travel, living allowance for abroad loans.
2. Better Cash Flow for Families – Parents don’t need to liquidate savings.
3. Easier Abroad Education Access – Abroad students already face visa deposits, travel, forex costs — Propelld reduces extra financial stress.
4. Equitable Access – Even students from modest backgrounds can fund big-ticket courses without margin restrictions.
Key Takeaways
1. Propelld’s policy = 0% margin money, 100% financing.
2. Unlike banks (5–15% margin), Propelld covers the entire cost.
3. Applies to all education categories: domestic, abroad, coaching, upskilling.
4. Ensures that lack of savings is never a barrier to quality education.
Are you parent of a JEE/NEET aspirant?
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