Supporting Institutions That Shape Tomorrow
Educational institutions are at the heart of India’s progress. At Credila, we recognise the role played by forward-looking school and college promoters who continue to invest in academic excellence, infrastructure, and improved student outcomes.
Credila Education Institutional Finance is designed for visionary education leaders building institutions with long-term impact — institutions that aspire to grow responsibly, modernise infrastructure, and create strong learning environments for students and faculty alike.
If you are a founder, trustee, or key management professional of a private unaided educational institution in India, Credila aims to support your institution’s next phase of growth through tailored institutional finance solutions.
Why choose Credila for Institutional Finance
Credila Financial Services Ltd. (formerly known as HDFC Credila Financial Services Ltd.) is a trusted name in education finance, with deep experience in supporting Indian students and families through education loans for higher studies in India and abroad.
We believe that strong institutions are central to student success. Through our education-focused lending approach, we support established schools and colleges with secured institutional finance solutions aligned to their operating cash flows, governance frameworks, and growth cycles.
Our approach combines disciplined credit underwriting with a long-term association mindset — enabling institutions to invest confidently in infrastructure, expansion, and operational efficiency. By strengthening institutional capacity, we aim to contribute meaningfully to India’s education ecosystem and student success.
Features of Credila Education Institutional Finance
- Loan amount currently offered up to ₹25 crore* as a secured facility against institutional, residential, or commercial property as collateral
- Loan tenure of up to 10 years
- EMI-based repayment
- Competitive floating interest rates
- Loan origination fee as applicable, subject to sanction
Purpose of Loan
- Infrastructure development and capital expenditure
- Working capital requirements
- Refinancing of existing debt related to the educational institution only
*Final loan amount is subject to credit assessment, collateral value, and internal policy norms.
Eligibility Criteria
- Private unaided and affiliated schools up to 10th / 12th, or colleges including Intermediate (Junior / Pre-University), Degree, B.Ed, Nursing, Law, and Pharmacy
- Registered Educational Trust or Society
- Minimum vintage of 3 complete academic years from inception of the educational institution being assessed
- Satisfactory credit bureau score for all borrowers
- Sufficient collateral value as per internal policy norms
The Credila Advantage
With a proven track record in delivering education loans to students, Credila now extends its expertise to educational institutions through Credila Education Institutional Finance. Eligible institutions can access funding support for growth and development, while their senior secondary and final-year degree students may continue to explore student loan options from Credila, subject to applicable eligibility and approval criteria.
Apply for Credila Education Institutional Finance Write to us at applyforCIF@credila.com
Disclaimer: Submission of details does not constitute loan sanction. All loans are subject to eligibility, document verification, credit assessment, collateral evaluation, and internal policy norms.
