Headquartered in Mumbai, EnerCap is managed by Energize Management Private Limited.

EnerCap offers financing for two decades of a student's educational journey. You can opt for a loan for:
• School fees finance
• Tuition fees finance and
• Coaching fees

At EnerCap, we finance full fees for school, tuition and coaching classes as of today.

We offer loan tenor that are equivalent to the student's course tenure.

We offer education loans without security.

You need to apply for the loans before the start of the academic year.

All information of clients are safe with EnerCap. We never share our client's information with third-party services beyond the requirements for credit underwriting for loans offered. We take adequate security measures to make your data safe and secure.

You can contact us through our 24/7 WhatsApp platform "Bani" or email us.

The sanction letter is issued before disbursement of the loan. The letter has all the policies and terms and conditions of canceling a sanctioned loan.

At EnerCap, we take all customer grievance seriously. You can contact us through our 24/7 WhatsApp platform "Bani" or email us. Further, you can also refer to our grievance addressal policy.

Yes, you can pay off the entire loan before the tenor ends. However, you need to pay a small fee for the pre-closure of loans, which will also get communicated in the sanction letter. For more information on the pre-closure of student loans, kindly contact us through our 24/7 WhatsApp platform "Bani" or email us.

Any Indian citizen can take an education loan from EnerCap for their child's education (from kindergarten to graduation) and vocational degree, diploma and skill development courses for institute in India and internationally.

The co-borrower or a guarantor must be an Indian citizen agreeing to co-sign and execute the loan agreements and other documentation. Energize accepts co-borrowers to be the parents of the students only, who can and promise to pay the monthly installments of the loan.

We will still sanction a loan for your child's education and professional course. You can contact us through our 24/7 WhatsApp platform "Bani" or email us.

We are currently headquartered in Mumbai with our back office in Baroda. Also, we are slowly expanding to other cities nationwide. For further details, contact us through our 24/7 WhatsApp platform "Bani" or email us.

We are all ears to your queries, from complaints to questions and suggestions. You can contact us through our 24/7 WhatsApp platform "Bani" or email us.

Yes, the applicant can re-apply for another student loan. It is important to check if the applicant fulfilled all the documentation and can produce the required documentation before re-applying to EnerCap. For further clarification you can contact us through our 24/7 WhatsApp platform "Bani" or email us.

EnerCap does not have any higher limit. However, applicants need to convince us about their passion for fulfilling their dreams, and we will fund the total cost of education courses. For further clarification you can contact us through our 24/7 WhatsApp platform "Bani" or email us.

Institutes affiliated with the state or central universities under the Central Government University Grants Commission (UGC) or the All-India Council on Technical Education (AICTE) are 'recognized' institutes. On the other hand, reputed institutes are famous and offer a standard course of 'repute'.

When you apply for a loan as a parent, we verify details like course duration and estimated fees for each year. For every subsequent year, you must submit a form outlining the fee requirement. It will help us disburse the money directly to the institute. Further, we intend to launch product for financing fees of graduation courses in the subsequent years.

As of now EnerCap is financing fees for school, tuition, coaching, graduate, professional degree, and diploma courses only. Further, we intend to launch product for financing fees of higher education / post-graduation courses in subsequent years.

Applying for a student loan at EnerCap is easy and hassle-free. Please refer to our offering video on the home page. You can also contact us through our 24/7 WhatsApp platform "Bani" or email us.We have an EMI calculator on our website that helps calculate your loan's EMI. However, it is essential to note that the figures are indicative and general understanding.

We usually sanction an education loan within 24 to 48 hours from the receipt of the complete education loan application, along with the required documents. If the applicant satisfies the criteria for eligibility and completes the online process successfully, we will sanction the loan within the stipulated time.

EnerCap also offers a moratorium on sanctioned loans for only graduation courses (to be launched in the subsequent year).For further clarification you can contact us through our 24/7 WhatsApp platform "Bani" or email us

Application for an education loan requires the following documents to be submitted digitally:
• Aadhaar Card
• Pan Card
• Passport
• Electricity Bill (current and 12 months old)
• Bank Account Statement of the account where salary / income is getting credited (for both working professionals and self-employed)
• Income Tax Return (For working professionals)
• GST Return (For self-employed)
• Copy of admission letter of the institute with fees schedule

Energize offers you loans at a fixed interest rate to be reset once in 3 months. Moreover, we offer special loans at a special interest rate for a girl child's education. For more details, please reach out to us through our 24/7 WhatsApp platform "Bani" or email us.

The EMI Calculator on our website will assist you. Kindly keep in mind that the figures are indicative and for general understanding.

The moratorium period refers to the time between the disbursal of the loan amount, and you make the first EMI payment. It is the time when you need not pay any amount towards repaying your loan.

EnerCap also offers a moratorium on sanctioned loans for only graduation courses (to be launched in the subsequent year).For further clarification you can contact us through our 24/7 WhatsApp platform "Bani" or email us

We auto-debit the amount for monthly installments or repayments from your bank account. We deduct the amount through ENACH, which is a mandatory setup for you when we sanction the loan.

We disburse the education loan directly to the institute.

The repayment schedule commences immediately from the date of disbursal or Commencement of the Course, whichever is earlier at the institute. The parents or the working professional taking the loan must pay the first installment from the subsequent month. You can also contact us through our 24/7 WhatsApp platform "Bani" or email us.