Fill Every Seat.
Get Paid Upfront.
Zero Risk to Your Campus.
CosmosIQ EduFinance helps universities and colleges boost enrollments by up to 40% by removing the fee barrier. Students pay in easy EMIs. Your institution gets 100% fee upfront — every time.
For Universities · Degree Colleges · Online Institutions · Coaching Institutes · K12 Schools
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40%
Avg Enrollment Boost
100%
Upfront Fee to Campus
48 Hours
Campus Onboarding Time
5,00,000+
Students Financed
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Access your student or institution dashboard instantly
Your Campus is Losing Revenue
Every Admission Season
Fee barriers silently drain your institution's potential. Here's the data:
47%
Seats go unfilled every year due to fee barriers
3 in 5
Students drop admission citing financial reasons
₹2,400 Cr
Lost revenue across Indian HEIs annually
68%
Middle-income families can't afford lump-sum fee
The Solution: CosmosIQ EduFinance
Remove the fee barrier. Every qualified student who wants a seat at your campus — gets it. You get paid 100% upfront.
What Partner Campuses Experience
Real numbers from 150+ institutional partners across India
One Platform. Every Type
of Educational Institution.
Whether you run a 10,000-student residential university or a 200-student coaching centre — EduFinance adapts to your admission model.
Traditional Universities
Deploy EduFinance at your admission counter. Campus-specific QR code, counsellor portal, and zero change to existing process.
- QR code at admission desk
- Works with any ERP/SIMS
- Dedicated relationship manager
- NAAC documentation support
Online Universities & EdTech
Plug EduFinance into your enrollment checkout via REST API or payment link. Students set up EMI during online admission in under 3 minutes.
- REST API integration in 1–2 days
- EMI widget for any website
- Yes Bank API for instant UPI transfer
- Real-time disbursement tracking
Degree Colleges & Affiliated Institutes
UG/PG programs with fees ₹30,000–₹5L. Bridge the fee gap, fill every seat, improve NAAC outcomes with higher enrollment figures.
- Covers all UG/PG programs
- Semester-wise disbursement option
- Parent co-applicant support
- Scholarship + loan combo
Coaching Institutes & Schools
NEET, JEE, UPSC, CBSE — EduFinance makes premium coaching affordable for every family. Retain more students, reduce fee-related dropouts.
- EMI from ₹1,100/month
- No income-proof for < ₹50K
- Instant approval for known batch
- Scholarship management tool
Go Live in 48 Hours Flat
No IT team needed. No upfront cost. No change to your existing admission process.
Sign Campus Agreement
Onboarding in 48 hours. Zero upfront cost.
Get QR / API Credentials
QR code for offline. API key for online.
Student Applies in 5 Mins
Simple form — no paperwork for your team.
24-Hour EMI Approval
AI-based credit check, instant decision.
100% Fee to Institution
Funds transferred before student starts.
Campus Dashboard
Real-time view of every student application, approval status, disbursement, and EMI health — from one screen.
Dedicated Campus Manager
A dedicated relationship manager for your institution. WhatsApp, call, and email support with 2-hour SLA.
NAAC-Ready Reports
Automated enrollment and fee reports compatible with NAAC/NBA documentation requirements.
How We Compare
EduFinance vs Traditional EMI vs Bank Loan
Flexible Plans for Every Budget
From ₹50,000 to ₹5 Lakh — zero collateral up to ₹2L, approval in 24 hours
Starter
Up to ₹50,000
- No collateral required
- Aadhaar + PAN only
- Approval in 24 hrs
- Skill & certificate courses
EduPro
Up to ₹2,00,000
- Zero collateral
- Moratorium period
- Post-placement EMI
- Degree & MBA programs
Premium
Up to ₹5,00,000
- Minimal collateral
- Co-applicant allowed
- Tax benefit u/s 80E
- PG, MBA & global programs
Zero Collateral
Up to ₹2L without any guarantee
24hr Approval
In-principle decision within 24 hours
Minimal Docs
Just Aadhaar, PAN & admission letter
Tax Benefit 80E
Full interest deduction under Sec 80E
Loan Approved in 5 Easy Steps
Fully online · No branch visit · Fee in your college's account within 5 working days
Fill Application
Name, course, income details. 5 minutes.
Upload Documents
Aadhaar, PAN, admission letter.
Verification
Review & forward to finance partner in 2 hrs.
Loan Approval
In-principle in 24 hrs, final in 3 days.
Fee Disbursement
Fee sent to institution within 5 working days.
Universities & Students Love EduFinance
Real campuses. Real students. Real transformation.
"We partnered with CosmosIQ EduFinance and our enrollments jumped 38% in one semester. Zero hassle — fee comes to us, students pay EMI directly."
Dr. Anita Joshi
Principal, MH College, Pune
"Our biggest pain was students dropping admission due to lump-sum fee. EduFinance solved it completely. We filled 200 extra seats last year."
Prof. Ramesh Nair
Director, Admissions, SIS, Chennai
"EduFinance helped me join CosmosIQ MBA without asking my parents for ₹1.8L. EMI of ₹3,200/month — I can manage from my part-time income!"
Priya Sharma
BBA Student, Delhi
"Got approved in 22 hours. No salary slip needed — just PAN and Aadhaar. Best education loan process I've ever seen in India."
Rahul Verma
Data Science Learner, Pune
"Previously couldn't afford ₹45,000 for the AI program. EduFinance gave me ₹1,100/month EMI. Now I have a ₹9.2L job offer!"
Amit Tiwari
AI Course Graduate, Bangalore
"Online admission drop-off was 34% at fee payment step. After EduFinance API integration, drop-off fell to 8%. Phenomenal ROI."
Dr. Suresh Patil
VC, State Open University, MH
Backed by India's Trusted Lending & Finance Ecosystem
All finance disbursements are through RBI-regulated banks and NBFCs
HDFC Bank
Education Loan Partner
ICICI Bank
Education Loan Partner
Axis Bank
Education Loan Partner
SBI
Education Loan Partner
Bank of Baroda
Education Loan Partner
Yes Bank
Banking API Partner
Propelled
EdTech Financer
Finz
EdTech Financer
EduFinance FAQs
Questions from campus admission teams & students
Any NAAC/UGC-recognised university, affiliated college, deemed university, online university, distance learning centre, coaching institute, or K-12 school in India can partner. International institutions can contact our global partnerships team.
Absolutely zero risk. Your institution receives 100% of the fee upfront at the time of admission. EMI collection, credit assessment, and default management are entirely handled by CosmosIQ Finance and its partner NBFCs/banks.
We provide a campus-specific QR code and a counsellor dashboard. Students scan the QR at the admission counter and complete a 5-minute application on any device. There is no change to your existing admission workflow or ERP system.
We offer a REST API and an embeddable EMI checkout widget. Integration takes 1–2 business days. Students see the EMI option at the fee payment step and complete the process in under 3 minutes — no redirect, no disruption to your enrollment funnel.
Institution onboarding is completed within 48 hours of signing the digital agreement. No upfront cost. Counsellors receive a dashboard login and campus QR/API credentials immediately after onboarding.
Students can access up to ₹5,00,000 with a tenure of up to 60 months. Interest starts at 9.0% p.a. Zero collateral is available up to ₹2 lakh. The moratorium period (post-placement EMI) is available on the EduPro plan.
Yes. Interest paid on education loans is fully deductible under Section 80E of the Income Tax Act — with no upper limit on the deduction amount. This is a strong selling point counsellors can use with students and parents.
Yes, for NRI students paying fees in INR. For fully international students (overseas billing), please contact our global partnerships team for a customised arrangement with multi-currency and forex compliance support.
Ready to Get Started?
Choose your path below — we respond within 48 hours
I'm a University / College
- Boost enrollment by up to 40% from Day 1
- Get 100% fee upfront — zero collection risk
- Go live in 48 hours, no IT team needed
- NAAC-friendly reporting and campus dashboard
I'm a Student
- EMI from ₹1,100/month — no collateral up to ₹2L
- Approval in 24 hours — just Aadhaar + PAN
- Post-placement EMI option available
- Tax benefit under Section 80E of Income Tax Act
*Subject to eligibility. T&C apply. Loans provided through partner NBFCs.