We offer you education loans with superior and unmatched benefits. With us your dream career is within your reach. Because We Believe In Your Dreams! Credila Student Loans....Because We Believe In Your Dreams! Credila Financial Services is one of the leading financial services companies of India. Credila Financial Services is a lender specialized in education loans. We offer you education loans with superior and unmatched benefits. With us your dream career is within your reach.

1. India’s First Education Loan
Specialist
Empowering YOUth

2. Theme
 Who we are?
 Why Specialist?
 Credila Vs Others
 Benefits of availing an education loan
 How to apply
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3. Credila: a strong lineage
 A subsidiary of company of HDFC Ltd.
 India’s first education loan specialist
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4. CREDILA …Because we believe in your dreams!
“….We must make sure that people who have the grades, the desire and
the will, but not the money, can still get the best education possible.”
- Barack Obama
Graduate, Harvard Law School
President, United States of America

5. Credila: Making a difference
Thousands of Indian Students
Pursuing 950 different courses
In over 1800 educational institutions
Across 33 countries
TRUST
CREDILA
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6. Credila: Large Family
230000+ Total Applications
10000 Crores + Cumulative Amount Approved
800 Crores+ Cumulative Amount Disbursed
An application EVERY 2 minutes!
*Data till Dec 2012

7. Credila v/s Banks
EDUCATION LOAN FEATURES CREDILA BANKS
Doorstep service  
Loan amount of over INR 20.0 lacs also available  
Repayment tenor up to 10 years  
Less than 100% collateral  
Co-borrower flexibility  
Loan against property mortgaged with HDFC Limited  
Loan sanction before admission also  
Attractive rate of interest  Maybe
Tax benefit under Section 80-E of the Income Tax Act, 1961  
Quick and hassle-free process  -
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8. Assured Funds for course
US universities need Fund Assurance before admission
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9. Benefits of availing an
education loan
Vs
other source of funds
For funding education?
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10. Benefits of availing an education loan
Empowering YOUth
•Opportunity for students to take their own responsibilities’
•Creates a Positive Credit History for the Student
•Preserve the family savings especially for parents’ future &
emergencies
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11. Benefits of availing an education loan
THE SMART OPTION
•EMI starts after study period, unlike personal finance or
Loan against property
•Unlimited tax benefit on interest paid under Sec 80E of Income
tax Act
• Can avail of funding at an *effective rate of less than 10%
•Sanction before admission confirmation/I-20
•Avail funding that is CHEAPER than using your own SAVINGS!
*Terms & conditions apply. Calculations in next slide
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12. Benefit: Unlimited Tax Savings
An indication of tax savings* possible by availing of an education loan from Credila:
*under Section 80-E, IT Act 1961
Education Loan Rate of Interest Amount Yearly Tax Effective
Amount (INR) Interest** (INR) Savings (INR) Rate of Interest
200,000 13.5% 27,000 8,343 9.33%
400,000 13.5% 54,000 16,686 9.33%
600,000 13.5% 81,000 25,029 9.33%
1,000,000 13.5% 135,000 41,715 9.33%
1,500,000 13.5% 202,500 62,753 9.33%
2,000,000 13.5% 270,000 83,430 9.33%
An individual can avail of tax benefit on interest paid on an education loan for self or
a relative, spouse, child or a student for whom the individual is a legal guardian
http://www.credila.com/tax_benefit_calculator.html
** The rate of interest of13.5% has been taken as an assumption. The actual rate of interest may vary. Terms and conditions are available at
http://www.credila.com/tax_benefit_calculator.html
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13. Empowering YOUth
EMPOWER
YOUR
HIGHER EDUCATION DREAMS
WITH
CREDILA’S EDUCATION LOAN

14. How to Apply – Simple 3 Step process
Step 1 Online Application at www.credila.com
Step 2 Door step service & documents pick-up
Step 3 Loan sanction & disbursement
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15. Credila Transformed My Life!
Testimonials Details
“I did not have a very good experience with my previous Hyderabad
education loan taken from a nationalized bank. I came to know
about Credila and approached them. I really appreciate their Father: Working
efforts in sanctioning the loan within five working days just
like they promised while taking the required documents.”
for Dept. of
Handloom and
-Manjusha Sala, MS Texas A&M University Textiles
“Most banks or financial institutes put a certain cap on the Mumbai
amount of loans offered. Credila has a way of assessing actual
costs of studying at a particular university and fund the student Father: Working
accordingly. My dream of studying in an Ivy League University
would never have come true if not for their cooperation.”
in Datta Meghe
College
-Deepak Shankargauda, MS Columbia University
“The people at Credila were easily approachable and the loan Bangalore
process was smooth.”
Father: With
-Pramod Nataraja, MS Georgia Institute of Technology Karnataka Govt.
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16. Institutes Attended by Credila’s Students (Partial List)
Credila’s borrowers attend a diverse array of institutes around the
globe. A partial list of these institutes include:
USA USA UK & Others
 Arizona State University  Harvard University  Oxford University
 Cornell University  Yale University  University of Leeds
 Purdue University  University of Florida  University of Strathclyde
 Columbia University  Babson College  Saint Mary's University, Canada
 University Of Illinois  Rice University  College of Technology London
 Ohio State University  Carnegie Mellon University  University of Warwick
 Illinois Institute Of Technology  University of Wisconsin  University of Lancaster
 Northeastern University  University of Bridgeport  Cranfield University
 Clemson University INDIA  IE Business School, Spain
 University Of Texas  Indian School of Business  ESADE Business School, Spain
 Pittsburg State University  Indian Institute of Management  Edith Cowan University, AUS
 University Of Southern California  University of Pune  University of East London
 Missouri State University  ICFAI  University of Buckingham
 New York Institute Of Tech  Amity University  University of Wales
 University Of Missouri  Bangalore Management  INSEAD, France
 Georgia Institute of Technology Academy  University of Queensland, AUS
 University of Rochester  Manipal University  York University, Canada
 California State University  Chennai Business School  Univ British Columbia, Canada
 UCLA  Suryadutta Group of Institutes  National Univ, Singapore

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17. Happy to talk to you
Website: www.credila.com
Toll Free: 1800 209 3636
SMS: Credila to 53636
E mail: loan@credila.com
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