Neeraj Saxena, CEO & MD of Auxilo Finserve, explains how borrowers can approach education loans as a planned investment rather than a financial burden.
Saxena emphasises that education financing should consider the total cost of study, including tuition, accommodation, travel, insurance, and living expenses, rather than focusing only on tuition fees.
“Education financing should be aligned with academic and career planning, with a clear understanding of future income timelines. The emphasis should remain on financial sustainability and not just eligibility,” he says.
“We offer flexible partial and simple interest repayment options during the course, which help ease the financial burden on families. Borrowers also have the flexibility to start EMIs earlier than scheduled, depending on their financial situation,” he adds.
In a rising interest rate environment, Saxena advises disciplined fiscal planning. Borrowers should maintain reserve funds, understand the interest component during study and loan tenure, and plan repayment structures conservatively, keeping in mind the long-term nature of education loans and realistic post-study earnings.
“Predictability and conservative structuring are key to navigating macroeconomic fluctuations such as inflation, currency movements, and interest rate changes,” he notes.
Awareness of these external factors is necessary for long-term financial sustainability.
Families deciding between domestic and international education should weigh university reputation, course outcomes, employability prospects, post-study work norms, and total cost of education.
Saxena notes that international programs require careful consideration of currency risks and destination stability, which can directly impact loan repayment.
Auxilo Finserve’s growth, crossing ₹5,000 crore in Assets Under Management, reflects rising demand for structured education financing in India.
Saxena attributes this to increasing aspirations for quality education, global mobility, and an underserved domestic education finance segment.
“With over 40 million students in higher education and a large base in K-12 schooling, the domestic education financing segment remains largely underserved,” he says.
The company is expanding into K-12, undergraduate, postgraduate, and upskilling programs while strengthening institutional lending for private school infrastructure development.
“Our strategy remains focused on sustainable expansion, portfolio quality, and tech-enabled efficiency to drive consistent returns and long-term value creation,” Saxena adds.