Pay Your Education Fees
in Easy Monthly EMI

CampusCredit® is a purpose-built education finance product by Matriye Software Pvt. Ltd. that lets students pay university and college fees in easy monthly EMIs. Unlike traditional bank education loans (which require 4–6 weeks processing, collateral, and branch visits), CampusCredit is 100% digital, collateral-free, approved in 4 hours, and starts EMI from just ₹999/month. It is specifically designed for UG, PG, diploma, and online degree programs.

Any student aged 18–45 who is enrolled or applying to a UGC-DEB recognised university (including IGNOU, Amity, Manipal, NMIMS, LPU, and 10+ others) is eligible. Students without income need a co-applicant (parent/sibling/spouse) earning ₹15,000+ per month. Salaried individuals can apply independently. First-time borrowers are welcome.

CampusCredit covers education fees from a minimum of ₹10,000 up to a maximum of ₹7,50,000. The exact amount depends on the program, institution, and co-applicant income. Certificate programs typically qualify for ₹10,000–₹75,000, UG programs up to ₹3 lakh, and PG/MBA programs up to ₹7.5 lakh.

For a ₹2,00,000 loan at 10.5% p.a.: 12-month tenure = ₹17,624/month, 24-month tenure = ₹9,263/month, 36-month tenure = ₹6,505/month. You can use our interactive EMI Calculator above to get exact figures for any amount and tenure. The 24-month plan is the most popular choice among CampusCredit students.

No collateral of any kind is required — no property, gold, FD, or guarantor. CampusCredit is a 100% unsecured education finance product. For amounts above ₹2 lakh, a co-applicant (income proof required) may be needed, but no asset pledge is ever required.

CampusCredit is among the fastest education finance products in India. In-principle approval within 4 hours. Final credit decision within 8–12 hours. Fee disbursal to university within 24 hours of final approval. The entire process is digital — no branch visits, no courier documents.

Mandatory documents: Aadhaar Card, PAN Card, Admission Letter / University Offer Letter, and 1 recent passport-size photo. For amounts above ₹2 lakh: co-applicant salary slip or ITR. That's all! No property documents, no stamp paper, no notarisation required.

Yes! In fact, working professionals are preferred applicants. If you are salaried with ₹20,000+ monthly income, you qualify independently without a co-applicant. CampusCredit is ideal for working professionals pursuing online MBA, MCA, BBA or executive education while continuing to earn.

Yes, CampusCredit covers both online university fees (distance/ODL programs) and offline college program fees. For online programs: up to ₹7.5 lakh. For offline professional courses: up to ₹5 lakh. For certification and skill courses: up to ₹75,000. All programs at CampusCredit partner institutions are eligible.

CampusCredit offers tenures from 6 to 36 months. You choose your plan based on comfort. There is absolutely ZERO prepayment penalty — you can repay partially or fully at any time. We also offer a 6-month moratorium (no EMI during this period) for newly enrolled students awaiting job placement.

CampusCredit interest rates start from 0% p.a. (for select partner promotions) and go up to 18% p.a. for longer tenure high-value loans. The most common rate is 10.5%–14% p.a. for standard 12–36 month plans. Rates depend on credit assessment, income, loan amount, and chosen NBFC partner.

CampusCredit has a 7-day grace period for each EMI. Missing an EMI within the grace period has no penalty. After the grace period, a nominal late payment charge may apply as per the partner lender agreement. Consistent defaults are reported to credit bureaus (CIBIL/Experian) and can negatively impact your credit score. We strongly recommend enrolling in auto-debit (NACH mandate) to avoid accidental misses.

CampusCredit's moratorium period (available on select plans) allows you to delay starting EMIs by 6 months from disbursal. This means you start paying only after you have completed 6 months of your course — ideal for full-time students awaiting campus placements. Interest accrues during the moratorium and is added to the loan principal.

Yes! CampusCredit covers the widest range of programs: IGNOU (MBA, MCA, BCA, B.Com, MA), Online MBA at Amity/Manipal/NMIMS/LPU, BBA, BCA, B.Com, M.Com, MCA, Executive MBA, Diploma, PG Diploma, and professional certifications. If your institution is UGC-DEB approved and supported by CampusCredit®, you qualify.

Applying takes just 2 minutes: Step 1 — Click "Apply Now" and fill your basic details. Step 2 — Upload Aadhaar, PAN, and admission letter (photos from phone OK). Step 3 — Our system verifies and gives in-principle approval in 4 hours via SMS/email. Step 4 — CampusCredit pays your fee directly to the university. Step 5 — Your EMI starts from the agreed date. Completely digital. No office visits.

No. CampusCredit does not charge students any fee for finance guidance, eligibility checks, or enquiry submissions. Checking your eligibility, submitting an application, and receiving counselling through CampusCredit is completely free of cost. Finance products, if approved, are provided by third-party regulated NBFC/Bank partners subject to their own terms and conditions.

No payment is required to submit an enquiry or start your application process through CampusCredit. There is no application fee, priority fee, booking fee, processing fee, or service charge levied by CampusCredit. Our platform is 100% free for students — we are a finance assistance and guidance platform, not a fee-collection service.