How to Apply for an Education Loan Online

/ Blog / By
Education Loan

Your admission letter has a deadline attached to it, and so does the deposit your college wants. That’s usually the exact moment families realise they need an education loan and have no idea where to start — which bank, which portal, how long it takes, or whether the college fee will actually reach the institute on time. Applying for an Education Loan online in India isn’t hard once you know the sequence, but doing it in the wrong order costs weeks you don’t have.

Here’s the sequence that actually works, plus the numbers most guides skip.

Start On The Vidya Lakshmi Portal, Not a Random Bank Branch

The government’s PM-Vidyalakshmi portal (pmvidyalaxmi.co.in) exists precisely to stop students from filling out ten different forms at ten different bank branches. It currently lists 86 education loan schemes from 38 banks, and lets you fill one Common Education Loan Application Form (CELAF) and send it to up to three lenders at once. Each bank evaluates it independently and responds through your dashboard — you compare offers side by side instead of chasing branch managers.

You can still apply directly through a bank’s own app (SBI YONO, HDFC’s portal, or an NBFC like Credila or Avanse), and for study-abroad loans that’s often faster. But if you’re not sure which lender fits your profile, the portal is the better starting point because it also flags which subsidy schemes you qualify for — more on that below.

The Standard Step-By-Step Process on the Portal

Register on The Portal

with your mobile number, email, and Aadhaar. You’ll set up a student login and can save your progress partway.

Fill The CELAF  

Complete the Common Education Loan Application Form — personal and academic bio-data, course and institution details, total cost of education, and collateral info if applicable. One form covers every bank you apply to. 

Search and Shortlist Schemes. 

The portal shows which banks match your course, institute ranking, and loan amount, along with their listed interest rates.

Apply to up to 3 banks

Submit the same CELAF to up to three participating banks simultaneously. Each bank evaluates independently and responds through the portal.

Upload documents 

KYC, admission letter, fee structure/cost estimate, income proof, academic records, and collateral documents (if the loan amount requires security) go up here. Track status in real time — sanctioned, under review, or query raised.

Respond to Bank Queries 

Follow-up document requests, or interview calls show up directly on the dashboard if they ask for additional paperwork. Approval typically runs 15–30 working days depending on profile and paperwork. 

Sanction and Disbursement 

Loans are usually released in tranches per academic year — the first installment around admission time, the rest against fee receipts and progress certificates. Most banks send the amount as a demand draft or transfer straight to the institute, not to you.

Public sector banks typically take 15–25 days to sanction; NBFCs like Credila can do it in 7–14 days, which matters if your visa or admission deadline is tight.

Important Documents You Must Have For Education Loan

  • Admission letter with fee structure, 
  • 10th/12th mark sheets and entrance scorecard (JEE, NEET, CAT, GRE, whatever applies), 
  • Aadhaar and PAN, 
  • Co-applicant’s income proof (last two years’ ITR and Form 16, or salary slips), 
  • Last six months’ bank statements, 
  • Passport-size photos, 
  • Collateral documents if your loan amount needs security. 

Missing or blurry documents are the single biggest reason applications sit in “query raised” status for weeks.

Read More 👉 Business Ideas for Students With Zero Investment — Easy Startup Guide

How Much You Have To Repay in Education Loan Online

Headline rates change with every RBI repo revision, so treat these as indicative starting points as of mid-2026, not fixed numbers — confirm the current rate directly with the lender before you sign anything.

LenderIndicative rate (p.a.)Notes
SBI Scholar Loan (IIT/IIM/ISB/select institutes)6.90% – 7.65%Lowest rates available, but restricted to a specific institute list
SBI Global Ed-Vantage (study abroad)From ~9.15%Flat ₹10,000 processing fee, needs 15% margin money above ₹4 lakh
PNB8.55% – 11.95%Up to ₹20 lakh without collateral for eligible courses
Canara Bank9.25% – 11.95%Strong presence in South India
HDFC Bank9.50% – 13.50%Faster processing than most PSU banks
Axis Bank9.50% – 13.50%Similar positioning to HDFC
ICICI Bank10.50% – 13.50%Higher end of private-bank rates
HDFC Credila (NBFC)~9.75% secured / ~10.25%+ unsecured100% financing possible, sanction in days, but processing fee is 1–1.25% + GST
Avanse / Propelld (NBFC)~10% – 13.5%Collateral-free options up to ₹60–75 lakh, merit-based pricing

The gap between a PSU bank’s lowest rate and an NBFC’s unsecured rate can run 3–4 percentage points. On a ₹15 lakh loan over 10 years, that difference alone adds up to several lakh rupees in extra interest — it’s worth the extra week of paperwork to get a PSU sanction if your timeline allows it.

The Subsidy Most Students Never Check For

Two separate government schemes can cut your effective rate, and they’re easy to confuse:

PM-Vidyalakshmi interest subvention (launched November 2024) gives a 3% interest subvention on loans up to ₹10 lakh, during the study period and moratorium, if your family income is up to ₹8 lakh a year. It only applies if you’re admitted to a Quality Higher Education Institution — over 860 of them qualify, including all IITs, NITs, and IIMs, plus state institutions ranked 101–200 in the NIRF list. There’s also a 75% government credit guarantee on loans up to ₹7.5 lakh, which is why some banks will sanction you without asking for collateral or a guarantor.

Central Sector Interest Subsidy (CSIS) is the older scheme — it covers the full interest during moratorium, but only for families earning up to ₹4.5 lakh a year and only at a separate, narrower list of premier institutions. You can’t claim both on the same loan, so check which one your institute and income bracket actually qualify for before assuming you get nothing.

Apply for whichever subvention you’re eligible for through the same portal — it isn’t automatic.

What Happens Once You Start Your Repayment

Once repayment starts, the interest you pay (not the principal) is fully deductible under Section 80E of the Income Tax Act — no upper limit on the amount. The deduction runs for 8 years from when you start repaying, or until the interest is fully paid off, whichever comes first. 

It applies to loans taken for your own, your spouse’s, or your children’s higher education, but only from a bank or a notified financial institution — a loan from a relative doesn’t qualify.

Read More 👉 How to Start a Mineral Water Business: Complete Guide

How You Can Save Real Money in Education Loan

  • Girl students get an automatic 0.5% rate concession at most public sector banks — ask for it explicitly if it isn’t applied.
  • Pay simple interest during the moratorium if you can manage it, even partially. Left unpaid, it often compounds once repayment begins, and on a ₹10 lakh loan that gap can run into a couple of lakh rupees by the time you graduate.
  • Compare processing fees, not just the headline rate. SBI charges a flat ₹10,000; NBFCs typically charge 1–1.75% of the loan plus GST, which is a meaningful amount on a ₹50 lakh loan.
  • Check margin money requirements. PSU banks generally need you to fund 15% of the cost yourself for loans above ₹4 lakh (domestic) or above a certain threshold for study abroad; several NBFCs offer 100% financing instead.
  • Ask about prepayment penalties before signing with an NBFC — some charge 1–3% if you close the loan early, which matters if your income grows faster than expected.

What If Your Study Loan Application Gets Stuck?

Most delays trace back to one of four things: 

Documents uploaded in the wrong format or half-legible, applying to a bank whose collateral rules don’t match the loan amount requested, assuming you qualify for a subsidy without checking the institute list first, and accepting the first offer instead of comparing at least two or three sanctioned terms side by side.

Register on the Vidya Lakshmi portal, shortlist one PSU bank and one NBFC so you have both a low-rate option and a fast-sanction backup, check which subsidy scheme your institute and income actually qualify for, and get your documents scanned before you start the form — not after a bank asks for them.

Conclusion

Understanding How to Apply for an Education Loan Online lets you avoid mistakes, get your documents ready at time, and not get your application stuck. If you want to pursue your education but can’t afford it, the study loan will help you achieve your dreams. Remember to check the bank’s interest and calculate the cost you have to pay later.

Related Posts

Leave a Comment

Your email address will not be published. Required fields are marked *

iPhone 18 Pro on EMI: A Complete Buying Guide

August 13, 2026 / Blog / By Mariyam
iPhone 18 Pro

Apple hasn’t confirmed a single detail about the iPhone 18 Pro yet, but that hasn’t stopped Indian buyers from searching iPhone 18 Pro EMI options months before launch — and for good reason. With expected pricing starting north of ₹1,34,000, paying the full amount upfront isn’t realistic for most people. 

The real question isn’t whether you should use EMI. It’s which EMI actually saves you money, and which one just makes an expensive phone feel cheaper than it is for a few months.

When Is the iPhone 18 Pro Launching in India?

Every recent report points to September 2026, alongside the iPhone 18 Pro Max and for the first time — Apple’s foldable iPhone. What’s changed this year is the rest of the lineup. Bloomberg’s Mark Gurman reported that Apple is splitting its release schedule for the 18 series: only the Pro, Pro Max, and the foldable arrive this September, while the standard iPhone 18 and a new iPhone 18e get pushed to spring 2027. If that holds, this is the first year in a while where the “regular” iPhone won’t launch alongside the Pro models.

Going by Apple’s usual pattern (the iPhone 17 event was held on September 9, 2025, with sales opening ten days later), a keynote in the first two weeks of September 2026 is the safest bet, with stock hitting stores roughly a week to ten days after that. Some trackers are floating September 8–9 specifically; others leave more room, up to September 10. Take the exact date as a placeholder until Apple sends out invites, which usually happens about three weeks ahead of the event.

Expected iPhone 18 Pro Price in India

Price leaks are all over the place right now, which is normal this far out. Here’s the range being reported across sources as of this writing:

VariantExpected India price
iPhone 18 Pro, 256GB₹1,34,900 – ₹1,44,900
iPhone 18 Pro, 512GB₹1,52,500 – ₹1,69,990
iPhone 18 Pro Max, 256GB (starting)₹1,49,900 – ₹1,60,000

A few sources argue Apple will hold pricing close to the iPhone 17 Pro’s ₹1,34,900 launch price, citing “aggressive supplier negotiations” to protect India pricing. Others expect a hike tied to the RAM bump (12GB is the rumored figure) and camera hardware upgrades — the iPhone 18 Pro is rumored to carry a triple 48MP setup with a periscope telephoto lens and a variable-aperture main camera, on a 2nm A20 Pro chip. Rumors are also split on whether Face ID moves under the display this generation or stays as-is; one supply chain report specifically says it won’t happen this year due to production delays.

Budget for the ₹1,34,900–1,44,900 band on the base 256GB Pro, and don’t be surprised if the number lands closer to the top of that range once Apple accounts for import duty and GST on the final config.

What’s the Actual Difference In No-Cost EMI vs Standard EMI? 

This is where most buyers get it wrong. “No-cost EMI” doesn’t mean the bank is doing you a favour — it means the retailer or Apple absorbs the interest that would normally apply, so you pay roughly the sticker price split into installments instead of sticker price plus interest. Depending on the bank, this shows up in one of two ways: the interest is stripped out at checkout, or you’re charged interest upfront and it comes back to you as cashback within about 90 days (this is how ICICI’s scheme works on longer tenures). Either way, you’ll still pay a processing fee, GST on that fee, and — if you close the loan early — a foreclosure charge, typically around 3% of the outstanding principal plus the next month’s interest.

Standard EMI is the version without the safety net: real interest, usually in the 12–16% per annum range on credit card conversions, on top of the base price.

The gap adds up fast. On a ₹1,34,900 iPhone 18 Pro, a 24-month standard EMI at 14% p.a. works out to roughly ₹6,477 a month — about ₹20,500 more than the phone’s actual price by the time you’re done paying. The same tenure under a genuine no-cost scheme costs ₹5,621 a month, with no premium at all. That ₹20,500 difference is the entire reason to check which scheme you’re actually being offered before you tap “confirm” at checkout.

Read More👉 Best Laptops for Coding and Programming: Top Picks for Every Budget

Where You’ll Be Able to Buy iPhone 18 Pro on EMI

You’ll have more than one route in, and it’s worth comparing before you commit to any single one. Apple’s own online store runs its no-cost EMI tie-ups directly with Bajaj Finance, HDB Financial Services, ICICI Bank, IDFC First Bank, and TVS Credit — the current scheme window on Apple’s authorised platforms runs through late September 2026, which should carry into the 18 Pro’s launch. Apple Authorised Resellers such as iStore, Unicorn, Croma, Reliance Digital, and Vijay Sales layer their own instant cashback offers on top for Axis Bank, ICICI Bank, and SBI Card users, usually on 6-month no-cost tenures with low-cost EMI kicking in beyond that.

Amazon and Flipkart are the other major channels, particularly around sale events — Amazon’s Great Freedom Sale and Flipkart’s Freedom Sale both ran in early August 2026, and both platforms typically repeat similar EMI-plus-bank-discount stacking for major flagship launches. Flipkart also supports the Bajaj Finserv Instant EMI Card for buyers without a traditional credit card. Debit card EMI is more limited — HDFC, Axis, and ICICI extend it to pre-approved debit cardholders, but the pool of eligible customers is smaller and interest rates run similar to credit card EMI.

Whichever channel you pick, check the fine print on tenure caps — 6-month no-cost EMI is nearly universal, but 12- and 24-month no-cost schemes are usually restricted to specific banks and specific card tiers.

How Much Will Your Monthly EMI Be?

Based on the expected price bands above, here’s what a genuine no-cost EMI would look like at common tenures:

Tenure256GB Pro (~₹1,34,900)512GB Pro (~₹1,52,500)Pro Max 256GB (~₹1,54,900)
3 months₹44,967₹50,833₹51,633
6 months₹22,483₹25,417₹25,817
9 months₹14,989₹16,944₹17,211
12 months₹11,242₹12,708₹12,908
24 months₹5,621₹6,354₹6,454

These are straight divisions of the expected MRP with no interest added — that’s what “no-cost” is supposed to mean. If a bank quotes you anything higher than these figures for the same price and tenure, ask specifically whether interest is being charged, because it likely is.

Exchange Offer + EMI Combo — Lowering Your Effective EMI

Trading in your current phone reduces the amount you actually finance, which lowers every EMI figure above. As an example: on a ₹1,44,900 iPhone 18 Pro, a mid-range trade-in like a working iPhone 13 128GB might fetch around ₹15,000 in exchange value plus a ₹6,000 exchange bonus — a combined ₹21,000 off, bringing the amount you’d actually put on EMI down to ₹1,23,900. Financed over 12 months no-cost, that’s roughly ₹10,325 a month instead of ₹12,075.

The catch is that the trade-in values swing enormously based on the model, storage, and physical condition of your old device, and different assessors don’t agree with each other. Apple’s own trade-in estimate, a reseller’s in-store quote, and a third-party service like Cashify can differ by several thousand rupees for the same phone. 

Get quotes from at least two sources before you finalise, and remember that exchange bonuses on top of the base trade-in value are usually time-limited promotions, not permanent policy — they’re the kind of thing that disappears the week after a big sale ends.

Step-by-Step Guide To Buying iPhone 18 Pro on EMI

  1. Shortlist your retailer first, not the phone colour. Compare what Apple’s own store, your nearest authorised reseller, Amazon, and Flipkart are each offering on EMI tenure and bank tie-ups — the same phone can carry different effective costs depending on where you buy it.
  2. Check your card’s pre-approved EMI limit. Most banks let you check this via SMS or net banking before you shop, so you’re not caught out at checkout with a card that can’t support the tenure you want.
  3. Get an exchange quote in advance if you’re trading in. Apple’s trade-in tool and your reseller’s in-store estimate both take a few minutes and give you a real number to plan around.
  4. Select the EMI option at checkout that matches your card and target tenure. No-cost options are usually listed separately from standard EMI — don’t assume the first EMI option shown is the no-cost one.
  5. Confirm the breakdown before you pay. Look for a line item showing interest and processing fee separately. If the total EMI amount adds up to more than the phone’s price divided by the number of months, you’re paying interest somewhere.
  6. Read the foreclosure terms. If there’s a chance you’ll want to pay off the balance early, know the foreclosure charge upfront rather than finding out later.
  7. Save your EMI schedule and transaction confirmation. You’ll need these if a cashback-style no-cost EMI scheme (like ICICI’s) hasn’t been credited on schedule.

Read More👉 iPhone 18 Pro Launching Next Month: 12 New Features Worth Knowing About

Conclusion 

The iPhone 18 Pro’s price and launch date will stay rumors until Apple actually sends out event invites, and it’s worth waiting for that confirmation before you lock in a purchase decision — leaked pricing has moved by thousands of rupees between reports even in the past few weeks. 

But the EMI math you plan around today will hold regardless of the exact final price: the difference between a genuine no-cost scheme and a standard one is real money, often ₹15,000–20,000 over a two-year tenure, and it has nothing to do with which bank has the nicest app. 

Compare the tenure and the bank before you compare the storage variant, get your exchange quote sorted early if you’re trading in, and read the checkout screen closely enough to know exactly what you’re signing up for, not just what the monthly number says.

Leave a Comment

Your email address will not be published. Required fields are marked *

Best App To Get Instant Loan Without Salary Slip 

August 27, 2026 / Blog / By Alpana
Best App To Get Instant Loan Without Salary Slip

Your landlord isn’t waiting, the hospital isn’t waiting, and your bank’s personal loan officer just told you to come back “once you have three months of payslips.” That forces you to google for the Best App To Get Instant Loan Without Salary Slip because you need ₹20,000 urgently. Because there is no payslip coming from a freelancer, or small start ups owner.

This is the exact gap that a new generation of lending apps was built to close. Instead of a salary slip, they read your bank statements, your PAN and Aadhaar history, your UPI transaction pattern, and sometimes your GST filings, and turn that into a credit decision in minutes. 

However, “no salary slip” doesn’t mean “no scrutiny” and it definitely doesn’t mean every app claiming this is safe to use. Below are the Best App To Get Instant Loan Without Salary Slip, let’s see what they actually cost, and how to tell a legitimate lender from a data-harvesting clone before you hand over your Aadhaar.

Why Salary Slips Stopped Being the Only Option

Banks built their lending rules around one kind of borrower: someone with a fixed monthly salary landing on the same date, from the same employer, verifiable on a letterhead. That description fits a shrinking share of India’s workforce. Freelancers, gig-platform workers, small traders, and contract staff earn real, trackable income — it just doesn’t arrive in payslip form.

Digital lenders solved this by switching the input. Instead of a payslip, they pull 3–12 months of bank statements to see how much money moves through your account and how consistently. Self-employed applicants can usually substitute ITR filings, GST returns, or business account statements. 

Some apps go further and factor in your digital footprint — how long you’ve held your phone number, your UPI activity, even your app usage patterns to build a risk score. None of this is charity; it’s just a different, faster underwriting model, and it’s why approval on these apps can take minutes instead of the two-week wait typical of a bank.

Skipping The Salary Slip Doesn’t Mean The Requirement of Documents Ends

Skipping the salary slip doesn’t mean skipping documentation — it just shifts what counts as proof. Across the apps below, the standard ask is a PAN card, Aadhaar for e-KYC, and 3–6 months of bank statements showing regular inflows. 

Self-employed applicants typically add one of: ITR filings for the last one or two years, GST returns if registered, or a business current-account statement. A few apps, like Fibe and mPokket, lean more heavily on alternative signals — how long you’ve had your phone number, your UPI transaction frequency, even basic device data — specifically for applicants who have no ITR or GST paperwork to show at all. 

None of this is optional paperwork replaced by “trust us” — every legitimate lender still needs some way to estimate whether you can repay, it’s just reading your cash flow instead of your employer’s letterhead.

Best Instant Loan Apps Without a Salary Slip Are Listed

1. KreditBee — Best for Small, Fast Loans With No CIBIL History

KreditBee lends through Krazybee Services, an RBI-registered NBFC, and is built for speed on smaller ticket sizes. Loan amounts run from about ₹5,000 up to ₹10 lakh, with tenures between 3 and 60 months. 

Interest rates officially start at 12% p.a., but that floor is reserved for the strongest profiles — most first-time or thin-file borrowers land closer to 24–29.95% p.a., and self-employed applicants specifically are often quoted in the 16–29.95% range. 

Processing fees can run up to roughly 4–5% of the loan amount, deducted upfront from disbursal. The minimum income requirement is just ₹10,000 a month, and a CIBIL score isn’t mandatory. 

Best for: someone who needs ₹10,000–₹50,000 fast and doesn’t have a credit history yet — not for large-ticket borrowing, since the cost climbs fast at that end.

2. Navi — Best for Lower Rates and Larger Loan Amounts

Navi, backed by Navi Finserv, is an app to check if your credit score is solid and you need more money for longer. Loan amounts stretch from around ₹10,000 to ₹20 lakh (some listings show up to ₹10 lakh depending on the product), with tenures up to 84 months. 

Rates start near 9.9–9.99% p.a. for borrowers with a CIBIL score of 700+, but can rise to 29–45% p.a. for weaker profiles — a wider spread than most competitors, so the advertised low rate isn’t guaranteed. 

Processing fees range from 0% to about 4% plus GST. Both salaried and self-employed applicants are eligible with a minimum score of roughly 650. 

Best for: self-employed borrowers with a decent credit file who want a bigger loan without a bank’s paperwork.

3. Fibe (formerly EarlySalary) — Best for Speed

Fibe is an RBI-registered NBFC-P2P platform (license N-13.02139) built around a two-minute approval promise, using an AI model that scans over 100 data points instead of a payslip. Loan amounts go up to ₹5 lakh, rates start at 12% p.a., and it’s known for letting borrowers with no CIBIL score qualify by leaning on digital and social-footprint signals instead. It’s particularly active in Tier-2 and Tier-3 cities where bank branches and traditional documentation checks are less accessible. 

Best for: first-time borrowers who need money today and can accept a higher rate in exchange for near-instant disbursal.

4. PaySense — Best for Consistent Self-Employed Income

PaySense, run on PayU Finance India’s lending infrastructure, uses risk-based pricing rather than one flat rate, so two applicants for the same amount can get different offers. Published eligibility asks for a minimum monthly income of ₹18,000 for salaried applicants and ₹20,000 for self-employed ones, with interest rates typically quoted between 14% and 36% p.a. depending on profile. It accepts a low or even zero CIBIL score, which makes it accessible, but that flexibility shows up in the rate you’re offered. 

PaySense is the Best App To Get Instant Loan Without Salary Slip for self-employed borrowers with steady, provable cash flow who don’t yet have a strong credit file.

5. MoneyView — Best for Tier-2/Tier-3 Self-Employed Borrowers

MoneyView is frequently the first recommendation for salaried applicants outside metro cities and for self-employed or gig workers who want minimal paperwork. It’s positioned between the small-ticket apps and the larger NBFC lenders, with loan amounts up to around ₹10 lakh and rates generally in the low-to-mid double digits for stronger profiles, rising for thinner files — broadly comparable to KreditBee’s range, though it’s often described as steadier on collection practices in user reviews. 

Best for: borrowers outside major metros who want a mid-sized loan without a Tier-1-city credit profile.

6. mPokket — Best for Students and Thin-File Gig Workers

mPokket is built specifically for people the traditional system ignores entirely — students and gig workers with little or no credit history. Loan sizes are smaller than the others on this list, aimed at short-term, small-amount needs like covering a bill or a temporary cash gap rather than a big-ticket expense. It shouldn’t be treated as a recurring source of funds — the sizes and terms make it best suited to occasional, short-duration borrowing. 

Best for: students or new-to-credit gig workers who need a small amount and have nowhere else to turn.

Read More 👉 How to Start a Mineral Water Business: Complete Guide

How To Get an Instant Personal Loan Through Paytm, PhonePe, GPay, and Bhim

The same apps you use to split a dinner bill or pay your electricity bill can also get you a loan — often within minutes. Here’s how each one actually works:

Paytm

Open the Paytm app, head to the “Loans & Credit Cards” section, and tap “Personal Loan.” Paytm lets you apply anytime for an instant loan online in about two minutes, with a fully digital process and loan amounts ranging from ₹5,000 to ₹15 lakh, flexible tenure, and the option to foreclose anytime. 

Paytm doesn’t lend the money itself — it partners with RBI-regulated NBFCs and banks who actually underwrite and disburse the loan. You’ll go through PAN and Aadhaar-based KYC either way.

PhonePe

Same idea, different app. PhonePe doesn’t hand out loans directly — it has partnered with various banks and NBFCs to offer instant loans, so you can apply without ever leaving the app.  Loan amounts go up to ₹5 lakh, repayable over tenures of up to 60 months, at rates starting around 13% per annum, with the approved amount transferred straight to your bank account.  Most lenders here look for a stable income and a credit score around 650 or higher.

Google Pay

Google Pay follows the same partner-lending model as Paytm and PhonePe — it doesn’t lend directly but connects you to its NBFC and bank partners for a pre-approved or application-based personal loan inside the app, with KYC handled digitally via Aadhaar and PAN.

BHIM

This one surprises people, since BHIM is best known as NPCI’s bare-bones UPI app. But it’s expanded: BHIM now lets you explore a personal loan without leaving the app, again through its network of lending partners rather than lending in-house.

How to Check an App Isn’t a Scam Before You Apply

RBI does not license individual apps — it regulates the bank or NBFC behind them. That distinction is the entire safety check:

  • Find the named NBFC or bank. A legitimate app discloses its lending partner clearly in the app, on the Play Store listing, or in the loan agreement. If you can’t find a specific company name, stop.
  • Verify that name on rbi.org.in or the RBI’s Digital Lending Apps directory before you submit any documents.
  • Never pay upfront. Processing fees, “insurance,” or “security deposits” requested before disbursal are the single most common fraud pattern. Legitimate lenders deduct fees from the loan amount after approval, not before.
  • Check what permissions it wants. A real KYC process needs your camera for a selfie and basic identity/banking access — not your full contact list, photo gallery, SMS logs, or call history. Apps that demand those are usually building leverage for harassment-based recovery later, not assessing creditworthiness.
  • Look for a Key Fact Statement (KFS). RBI’s digital lending rules require one before disbursal, listing the all-in APR, not just a headline interest rate. A “1% per month” rate can look harmless until the APR reveals fees stacked on top.
  • Confirm a named grievance officer with a phone number and email — not just a generic contact form.

If two or more of these are missing, treat the app as a red flag regardless of its Play Store rating, which is not proof of regulatory legitimacy. Because the best app to get instant loan doesn’t mean every app is trustworthy.

Advertising Rate Is Always Different From Actual Amount You Receive in Your Account

Headline interest rates on these apps are quoted per annum, but the real cost shows up in the APR, once processing fees and GST on those fees are added in. A concrete example: on a KreditBee loan disbursed at roughly ₹1 lakh, one published breakdown shows a ₹4,000 processing fee (4%), ₹720 GST on that fee, and ₹10 in documentation charges — pushing the effective APR to 29.66%, even though the headline rate for that borrower’s tier read lower. 

The amount that actually lands in the bank account was around ₹95,270, not the full ₹1 lakh. This is exactly what the Key Fact Statement is meant to expose, and it’s why comparing apps on their advertised “starting from” rate alone is close to useless — always ask for the APR and the net disbursal amount before accepting an offer, not just the interest rate.

Read More 👉 How to Apply for an Education Loan Online

Which App Should You Consider For Instant Personal Loan?

  • If you’re a gig worker or freelancer with no credit history and need a small amount fast, start with KreditBee or Fibe. 
  • If you’re self-employed with steady bank statements and want a lower rate on a bigger amount, check Navi or MoneyView first and let your CIBIL score decide between them. 
  • If you’re a student or new to credit entirely, mPokket is built for exactly that gap, but treat it as a short-term bridge, not a repeat solution. 

Conclusion

Whichever  Best App To Get Instant Loan Without Salary Slip you land on, run it through the RBI-verification checklist above before you type in your PAN — that two-minute check is what separates a fair loan from a very expensive mistake.

The absence of a salary slip requirement is a documentation shortcut, not a signal that the loan is free of risk. A ₹20,000 loan at 28% p.a. with a 4% upfront fee still needs to be repaid on schedule, and missed EMIs on these apps report to CIBIL just like a bank loan would. 

Borrow the amount you need for the problem in front of you, not the maximum the app is willing to approve — the higher your sanctioned limit looks, the more tempting it is to take more than the situation actually calls for.

Note: Rates, loan limits, and fees above reflect published figures as of mid-2026 and change frequently based on lender policy and individual credit profile — confirm current terms in-app before applying.

Leave a Comment

Your email address will not be published. Required fields are marked *

Best Lightweight Sunglasses for Student Life 

August 14, 2026 / Blog / By Alpana
Sunglasses

A pair of sunglasses in a college backpack is a choice of your comfort. When the college campus is large and you need to walk in direct sunheat or you go out randomly somewhere with your friends and your eyes start to burn in the heat. That’s where you start hunting for Best Lightweight Sunglasses for students, the best is the one which gives you comfort, weightless, and perfect for your face.

What Actually Matters for Campus-Ready Sunglasses

Frame weight comes down to material, not brand name. TR-90 and polycarbonate frames flex instead of snapping when they get crushed in a bag, and they sit lighter on the nose during a three-hour library stretch than metal or thick acetate does. UV protection — specifically UV400 — isn’t optional no matter how cheap the pair is; it’s the one spec that protects your eyes rather than your outfit. 

Polarization is worth paying a little more for if you’re on a bike or scooter daily, since it cuts glare off wet roads and car windshields far better than plain tinted lenses. And because these things get lost, borrowed by roommates, or sat on at least once a year, price-to-replacement-cost matters more here than it would for a pair you’d baby at home.

The 5 Best Lightweight Sunglasses for Students 

1. Fastrack Polarized Wayfarers and Aviators

Price: ₹950–₹5,000 | Frame: TR-90 polycarbonate | Lens: UV400, polarized options | Best for: tightest-budget daily wear


Fastrack’s entry-level polarized range starts under ₹1,000 and still comes with a 1-year warranty on lenses and frames, which is unusual at that price point. The TR-90 build is genuinely flexible — it survives the kind of backpack abuse a rigid acetate frame won’t. The trade-off is build quality at the very bottom of that price range: some buyers report the cheapest models feeling plasticky compared to what ₹2,000+ gets you in the same lineup. Good for someone who wants a backup pair as much as a main one.

2. Vincent Chase by Lenskart

Price: From ₹999, polarized from ₹1,299 | Frame: TR90 | Lens: 100% UV protected, polarized | Best for: best value-for-money on a first “real” pair


Vincent Chase is Lenskart’s in-house line, and it’s built around the same TR90 material for the same reason — daily wear without weight. The advantage over Fastrack is availability: Lenskart runs frequent Buy 1 Get 1 offers on this line, which effectively gets you a backup pair for the price of one. The catch is that heavy discounting means style availability shifts often, so a specific frame you like online today may not be there in three months if you need a replacement in the exact same shape.

3. OPIUM Eyewear

Price: ₹1,500–₹5,000 | Frame: lightweight polycarbonate | Lens: UV400, polarized, AVS coating | Best for: students who scratch or drop glasses often


OPIUM’s AVS lens coating adds hydrophobic, oleophobic, and anti-static properties on top of standard UV/polarized protection — practically, that means fewer smudges from fingerprints and better scratch resistance when the lenses rub against keys or coins loose in a bag. It sits a notch above Fastrack and Vincent Chase in price, which is the real trade-off: you’re paying for lens durability, not a jump in style tier.

4. IDEE

Price: ₹899–₹1,499 | Frame: lightweight, sporty builds | Lens: UV protected | Best for: gym, sports, or an active daily commute


IDEE leans into bold, sporty designs — wraparounds and neon accents rather than classic wayfarer shapes — and stays cheap while doing it. If your daily routine includes a run, a cycle to campus, or intramural sports, the closer-wrap fit holds better than a flat wayfarer frame. The limitation is versatility: the sportier shapes don’t double as well for a formal event or an internship interview the way a classic frame does.

5. Ray-Ban (Aviator / Wayfarer)

Price: roughly ₹7,000–₹15,000 depending on style and retailer | Frame: acetate/metal | Lens: UV400, optional polarized | Best for: one pair meant to last through all four years

Ray-Ban is the outlier on this list by price, and it’s here for a specific reason: it’s the one pair that isn’t disposable. The Original Wayfarer and Aviator have been in continuous production since 1952 and 1937 respectively, which means replacement parts, nose pads, and repairs are easy to find at any optician years later — something none of the budget brands above can promise. It only makes sense if you can absorb the upfront cost and genuinely won’t be swapping styles every semester.

The Real Face-Off of Fastrack & Vincent Chase 

These two get compared constantly because they’re the two brands most students actually cross-shop, so here’s the direct read:

FastrackVincent Chase
Entry price₹950₹999
Polarized entry priceIncluded in mid-rangeFrom ₹1,299
Warranty1 year (lens + frame)Standard return window, no stated 1-yr warranty
Where to buyFastrack’s own site, Titan Eye+, Flipkart, Tata CLiQLenskart, Amazon.in
Recurring offersOccasional salesFrequent Buy 1 Get 1

If warranty coverage matters more to you than getting two pairs, Fastrack wins. If you’d rather have a spare pair sitting in a drawer for when the first one inevitably gets sat on, Vincent Chase’s BOGO structure is hard to beat on pure economics.

Which One Should You Actually Buy?

If your budget is genuinely under ₹1,200 and you just need something functional for the sun on your walk to class, get the Fastrack or Vincent Chase entry model — there’s no meaningful difference in daily performance between them at that price. If you’re riding a two-wheeler daily, prioritize a polarized lens over anything else on this list; glare off a windshield or wet road is a real safety issue, not just comfort. 

If you’re the person who’s cracked three pairs of earphones and lost two water bottles this year, don’t buy OPIUM or Ray-Ban — buy the cheapest polarized Fastrack you can find and expect to replace it. And if you’ve got one splurge in your accessory budget for the year and want something that’ll still be wearable at your graduation photos, the Ray-Ban is the only pair on this list built to actually last that long.

One habit that extends your sunglasses lifespan –  a hard case, not the soft pouch that comes in the box. Most lens scratches on student sunglasses don’t happen while wearing them, they happen loose in a bag next to keys and a laptop charger.

Read More👉 iPhone 18 Pro on EMI: A Complete Buying Guide

Conclusion

The Best Lightweight Sunglasses for Everyday Student Life aren’t always expensive. Whatever you opt for, be sure to focus on UV400 protection, a lightweight frame, a comfortable fit, and polarization for when glare is an issue. Toss a hard case In Addition your backpack, and even a modest pair can make it through life on the daily grind of college. Pocket your case for your backpack and even a thrifty pair can easily keep up with daily college life. 

Leave a Comment

Your email address will not be published. Required fields are marked *

Best Student Loans for College Students

August 18, 2026 / Blog / By Alpana
Student Loans

Your admission letter came through and you are stressed about its fees? That’s the moment you’ll start looking for the best student loans for college students. Between tuition, hostel, a laptop, and living costs, a B.Tech at a decent private college or a master’s abroad can run anywhere from ₹8 lakh to over ₹1 crore, and very few Indian families are sitting on that kind of cash without dipping into a fixed deposit meant for something else. 

This is exactly where the best Student Loans in the market — from SBI’s Scholar Loan to NBFCs like HDFC Credila and Avanse, start doing real work, provided it actually fits your situation instead of just going with whichever bank branch is nearest to your house.

This blog walks through the loan for education options Indian students actually use in 2026 — public banks, private banks, NBFCs, and the government’s PM Vidyalaxmi scheme with real numbers, what each one is genuinely good at, and where it falls short.

Who Can Get These Loans for Education

If you’re an Indian student (or a parent reading this on their behalf) heading into an undergraduate program, a postgraduate course, or a study-abroad admission, and you need a study loan rather than paying out of pocket, this comparison is built for you. It splits lenders into three buckets — public sector banks, private banks, and specialised NBFCs because each serves a different kind of borrower, and picking the wrong bucket is the single most common reason students overpay by lakhs over a 15-year tenure.

Interest rates on education loans are floating and revised frequently by each lender’s internal benchmark. The figures below reflect indicative ranges reported by lenders and comparison platforms as of mid-2026. Treat every rate here as a starting reference, not a quote so confirm the live number on the lender’s own site before you apply.

Best Student Loans For College Students in India

1. SBI Scholar Loan / Global Ed-Vantage — Best for Domestic Students and Government-Bank Trust

  • Rate: roughly 8.15%–10.75%, MCLR-linked (floating)
  • Loan amount: up to ₹7.5 lakh without collateral for listed premier institutes; higher amounts with collateral, up to ₹1.5 crore under Global Ed-Vantage for study abroad
  • Processing fee: flat ₹10,000 — no percentage-based fee
  • Tenure: up to 15 years

SBI remains the default first stop for most Indian students, and there’s a simple reason: as the largest public bank, it consistently prices education loans lower than private banks and NBFCs, and its flat processing fee actually saves real money on larger loans compared to a percentage-based charge. 

The trade-off is speed — SBI’s sanction process for study-abroad loans can take four to eight weeks, and IBA guidelines require 15% margin money on foreign education loans above ₹4 lakh, meaning you’ll need to arrange that slice yourself. 

Best for: students with time before their visa deadline who want the lowest lifetime interest cost.

2. HDFC Credila — Best for Speed and High-Value Unsecured Loans

  • Rate: roughly 9.5%–13%, secured loans starting near 9.95%, unsecured (no collateral) starting near 11.25%
  • Loan amount: up to ₹50–60 lakh for premier institutes, sometimes higher
  • Processing fee: 1%–1.5% plus GST
  • Tenure: up to 15 years

Credila built its business on what it calls a “future employability” assessment rather than collateral value, which is why students without property to pledge still get approved here. Sanctions typically land in 7–14 days, which matters enormously when a visa interview is on the calendar and SBI’s timeline doesn’t fit. 

The catch is that unsecured Credila loans run meaningfully higher than SBI’s rate, and the processing fee, a percentage plus GST are added up fast on a ₹50 lakh loan. 

Best for: students on a tight admission or visa timeline who need fast, collateral-free approval and can absorb a higher rate.

3. Bank of Baroda — Best for Large Loans to Global Universities

  • Rate: competitive with SBI, generally in the 8.5%–11% band depending on the institute tier
  • Loan amount: up to ₹1.5 crore for premium global universities
  • Processing fee: typically lower than private banks; concessions available for girl students
  • Tenure: up to 15 years

BoB doesn’t get the same attention as SBI or the big NBFCs, but for students heading to genuinely expensive programs like top-50 global MBAs or engineering master’s — its higher loan ceiling and public-bank pricing make it worth a direct comparison. 

Best for: high-ticket study-abroad admissions where you need both a large sanction and a public-bank rate.

4. Avanse Financial Services — Best for Broad Course Coverage

  • Rate: roughly 11%–14.5%
  • Loan amount: up to ₹50–75 lakh
  • Processing fee: 1.25%–1.75% plus GST
  • Tenure: up to 15 years

Avanse is one of the few lenders that regularly finances courses public banks are cautious about — niche postgraduate programs, some online degrees, and vocational tracks. It’s genuinely useful when your course doesn’t fit a PSU bank’s approved list. The limitation is its rates sit at the higher end of the NBFC range, so it’s rarely the cheapest option on the table. 

Best for Student Loans for college students whose course or university isn’t covered by public-bank lending lists.

Read More👉 RRB JE Notification OUT With RRB JE Vacancy Of 3,993 Posts 

5. Axis Bank / ICICI Bank Education Loan — Best for Existing Bank Customers Wanting Fast Digital Processing

  • Rate: roughly 9.5%–13.5%
  • Loan amount: up to ₹40 lakh
  • Processing fee: moderate, varies by profile
  • Tenure: typically 10–15 years

If you or your parents already bank with Axis or ICICI, pre-approved education loans can be sanctioned in as little as 72 hours for existing customers, bundled with a forex card and a student account for study abroad. The point here is convenience, not price — you’re paying slightly more for an integrated, faster experience with a bank you already have a relationship with. 

Best for: existing customers who value speed and a bundled international banking package over shaving off the last percentage point of interest.

SBI vs HDFC Credila: The Two-Lender Face-Off

These two get compared constantly because they represent opposite philosophies — lowest cost versus fastest approval.

SBI Global Ed-VantageHDFC Credila
Starting rate~8.15%–9.65%~9.5%–11.25% (unsecured)
Processing feeFlat ₹10,0001%–1.5% + GST
Sanction time4–8 weeks7–14 days
CollateralRequired above ₹7.5 lakhOptional, employability-based
Best forLowest total interest costTight visa or admission deadlines

On a ₹50 lakh, 15-year loan, roughly every 100 basis points of extra interest costs about ₹7.5 lakh over the loan’s life, so the gap between these two isn’t cosmetic. Take Credila or Avanse first to secure fast disbursal for the visa file, then refinance into SBI once the loan is live and the pressure is off.

 

This works better than it used to, because the RBI’s Prepayment Charges Directions, effective January 1, 2026, banned foreclosure and prepayment charges on floating-rate loans to individual borrowers — a rule that covers nearly every education loan in this list. Before this, NBFCs could charge 2%–5% of the outstanding principal to close a loan early; that lock-in is now gone.

Don’t Skip the Government Route: PM Vidyalaxmi Scheme

Before comparing private lenders at all, check whether you qualify for PM Vidyalaxmi, the Centre’s collateral-free education loan scheme launched in November 2024. It isn’t a separate lender — it works through participating banks but it changes the math significantly for eligible students:

  • Collateral-free, guarantor-free loans up to ₹7.5 lakh, backed by a 75% government credit guarantee
  • Covers students admitted purely on merit (not management or NRI quota) to around 1,425 listed Quality Higher Education Institutions
  • A 3% interest subvention during the moratorium period for families with annual income up to ₹8 lakh, on loans up to ₹10 lakh
  • Rates capped at the bank’s benchmark lending rate plus 0.5%, with banks free to offer an extra 1% concession if you service interest during your study period
  • Subsidy is disbursed directly through the PM Vidyalaxmi Digital Rupee (CBDC) app

More than 1.12 lakh loans had been sanctioned under the scheme as of July 2026, so it’s no longer a pilot — it’s a live, functioning route worth checking on the PM Vidyalaxmi portal before you approach a bank directly.

Read More 👉 Best Student Laptops for School and University in 2026 

Two Rules That Apply Regardless of Which Lender You Choose

Section 80E tax benefit: the entire interest you pay on student loans for college students — not principal, and with no upper cap is deductible from your taxable income for up to 8 years from the year you start repaying. This applies to loans from any bank or approved NBFC and is one of the few genuinely uncapped deductions left in Indian tax law.

The girl-student concession: most public banks, including SBI and PNB, shave 0.5% off the standard rate for female applicants. It’s easy to miss because it’s rarely advertised loudly — ask for it explicitly when you apply for any of these student loans for college students.

Conclusion

If your priority is the lowest total interest over 15 years and you have a few weeks before your deadline, start with SBI — check PM Vidyalaxmi eligibility first if your loan need is under ₹7.5 lakh. 

If your visa interview or admission deposit deadline is within two weeks and you need money to move fast, HDFC Credila or Avanse will get you there, with the option to refinance into a cheaper public-bank loan later at no penalty under the new RBI rule. And if your course or university sits outside what PSU banks typically approve, Avanse’s broader course coverage is worth a direct call before you assume you’re out of options. 

Whichever lender you pick, don’t sign with the first offer you get on Student Loans for college students — pull two or three live quotes through the Vidya Lakshmi portal, apply the 80E deduction into your repayment planning from day one, and claim every concession you’re eligible for.

Note: Interest rates, fees, and scheme terms mentioned above are indicative and change frequently. Verify current figures directly with the lender or on official government portals before applying. 

Leave a Comment

Your email address will not be published. Required fields are marked *

iPhone 18 Pro Launching Next Month: 12 New Features Worth Knowing About

August 12, 2026 / Blog / By Alpana
iPhone 18 Pro

If you’ve been putting off a new iPhone purchase this month, that instinct is about to pay off. The iPhone 18 Pro launching next month means in September 2026, and unlike last year’s fairly incremental refresh, this generation brings changes that actually alter how the phone behaves day to day — not just how it looks in a colour catalogue. 

The iPhone 18 Pro comes up with twelve new features that keep resurfacing across leaks from potential sources, and enough of them line up with each other that the list is worth taking seriously, even months before Apple confirms anything on stage.

When Is the iPhone 18 Pro Launching in India?

Apple has not confirmed an exact date of launch but people are guessing according to the leaks of iPhone 18 Pro that it will launch on September 8 and other sources have cited a September 9 date, with sales starting around September 18. Either way, expect the announcement in the first half of September and phones on shelves roughly a week or two later — India has landed in Apple’s first launch wave for the last several cycles, so there’s no reason to expect a delay this time.

The bigger structural change is that Apple is reportedly splitting its iPhone 18 lineup across two events for the first time. Only the iPhone 18 Pro, iPhone 18 Pro Max, and Apple’s first foldable iPhone are expected this fall. The standard iPhone 18, a budget iPhone 18e, and a second-generation iPhone Air are said to be held back until around March 2027. If that holds, it’s a genuine break from Apple’s usual one-event calendar, not just a rumor footnote.

Read More👉 Best Student Laptops for School and University in 2026 

The iPhone 18 Pro Launching Next Month With New Features: 12 Upgrades Leaks 

1. A Smaller Dynamic Island

Apple’s Face ID flood illuminator is rumored to move under the display at the same time, allowing Apple to reduce the size of the pill-shaped cutout at the top of the display for the first time since its introduction. 

2. LTPO+ Displays

Screen sizes stay put at 6.3 inches and 6.9 inches, matching the iPhone 17 Pro line. What’s new is LTPO+ panel technology, which is expected to squeeze out extra battery life without changing the physical footprint.

3. Variable Aperture Camera

The 48-megapixel main camera is rumored to gain a variable aperture — a first for iPhone — giving more control over depth of field. Given how small phone camera sensors are compared to a real DSLR, how much this actually improves photos in practice is still an open question.

4. A20 Pro Chip on 2nm

This would be Apple’s first chip fabricated on TSMC’s 2nm node, up from the 3nm A19 Pro. There’s likely to be a huge jump in both performance and power efficiency, even if Apple hasn’t yet released any figures. 

5. Third-Generation C2 Modem

Apple’s in-house modem line continues past the C1 and C1X with a new C2 chip, expected to keep pushing speed and efficiency ahead of its predecessors.

6. 5G Connectivity via Satellite

Paired with the C2 modem, the iPhone 18 Pro is rumored to support satellite-based web browsing when there’s no Wi-Fi or cellular signal — useful well beyond emergency SOS messaging.

7. New N2 Wireless Chip

The chip that currently handles Wi-Fi, Bluetooth, and features like AirDrop and Personal Hotspot is due for an upgrade to N2. What specifically improves hasn’t leaked yet.

8. A New Dark Cherry Colourway

Reports consistently point to Dark Cherry replacing Cosmic Orange and Deep Blue as the standout shade, alongside Light Blue, Dark Gray, and Silver.

9. A Simplified Camera Control Button

Apple is expected to strip out touch sensitivity and haptic feedback from the Camera Control button, leaving a purely pressure-sensitive click — a response to complaints that the current button is fussy to use.

10. A Cleaner Rear Finish

The Ceramic Shield area around the MagSafe ring is rumored to move to a single frosted finish, replacing the two-tone look on current Pro models.

11. A Bigger Battery on the Pro Max

Alleged Chinese regulatory filings suggest the iPhone 18 Pro Max’s battery capacity could grow by close to 10% over the iPhone 17 Pro Max — a meaningful jump if it holds up.

12. A Thicker Pro Max Body

That extra battery could come with a price: the iPhone 18 Pro Max seems to be a bit thicker than the standard iPhone 18 Pro and last year’s Pro Max, according to leaks. 

iPhone 18 Pro Price in India: What to Expect

Still, no one outside Apple knows the real figure, so consider anything below as a pre-launch estimate and not a quote. Indian retailers trackers like Smartprix, Cashify and LatestLY are now pointing towards a base price of ₹1,39,900 for the 256GB base model of the iPhone 18 Pro — which would be ₹5,000 more than the iPhone 17 Pro started from. 

Some tech enthusiasts notes are less optimistic, citing rising costs for the 2nm chip and faster memory, with a few reports floating figures as high as ₹1,43,990 to ₹1,54,900 depending on storage tier and whether you’re looking at the standard Pro or Pro Max. The spread between these numbers is wide enough that none of them should be treated as settled until Apple confirms pricing at the keynote.

Should You Wait for the iPhone 18 Pro?

If you’re still on an iPhone 15 Pro or older, this generation is worth waiting for — the variable aperture camera and the A20 Pro’s efficiency gains are the kind of changes you’d actually notice in daily use, not just on a spec sheet. If you already own an iPhone 17 Pro, none of the 12 rumored changes look big enough on their own to justify an upgrade this cycle — the two most significant jumps, the larger battery and thicker body, apply mainly to the Pro Max. 

And if price is what’s holding you back either way, keep an eye on the iPhone 17 Pro once the new lineup launches — Apple typically keeps the outgoing Pro model on sale at a reduced price, and that discount is usually the better deal in late September than paying full price for year-one rumors that haven’t been battle-tested yet.

Read More 👉 Top Lightweight Student Laptops to Buy in 2026

Conclusion 

The iPhone 18 Pro launching next month seems like a worthwhile upgrade in a nutshell, featuring a new A20 Pro chip, variable-aperture camera, smaller Dynamic Island, better connectivity, and bigger Pro Max battery. But keep in mind that all of the 12 features are still leaks until Apple officially unveils the phone. 

If you have an older iPhone, then holding out for the September release is a good idea. If you’re already an iPhone 17 Pro owner, there’s probably no need to hurry unless the camera improvements or Pro Max battery life are plenty of temptation. 

Leave a Comment

Your email address will not be published. Required fields are marked *

Scroll to Top