Fund your future.
One loan, every milestone.

India's #1 education loan specialist. From sanction to final repayment — we're with you at every step.

₹15K Cr+
Disbursed
1.5L+
Students
50+
Countries

Seamless EMI management

Auto-debit, part payments, foreclosure

Send tuition fees abroad

Best forex rates via Borderless, Ebix, Thomas Cook

AI-powered loan assistant

Instant answers on rates, EMIs, documents
"Credila made it incredibly easy to manage my loan from the US. The remittance feature saved me hours every semester."
— Priya S., MS CS · Carnegie Mellon University
Credila

Welcome to Credila

Manage your education loan, track tranches, and send money abroad — all in one place.

By continuing you agree to Credila's Terms of Use and Privacy Policy.

A personalised experience for every stakeholder

Separate, tailored journeys for student borrowers and parents / co-signers.

Students get full access

Loan, tranches, payments, remittance, AI chat

Parents get peace of mind

Loan status, EMI monitoring, auto-debit, statements
"As a parent, I can see exactly where the loan stands and set up auto-debit without bothering my son every month."
— Suresh M., Co-borrower · Bangalore
Back

Select your profile

This helps us show you the right features.

Student borrower

Primary borrower on the loan

Loan · Tranches · Payments · Remittance · All features

Parent / Co-borrower

Co-signer on the loan

Loan status · EMI monitoring · Payments · Statements

Already have an account? Sign in

You're just a few steps away

Your Credila loan gets linked automatically when you enter your registered mobile number.

✓
Choose your profile
2
Enter your mobile number
3
Verify with OTP
4
Accept & get started
"Set up in under 2 minutes. My entire loan history, tranches and EMI schedule was right there."
— Karan T., MBA · London Business School
Back
Student borrower

Hi there!

Enter the mobile number registered with your Credila loan.

+91

This must match the number on your loan records.

We found your loan

Your Credila account gets automatically linked to your active education loan.

Loan identified

Aarav Kumar

Student borrower · Primary

Loan ID

#CRL-29481

Amount

₹25,00,000

University

Carnegie Mellon

Status

Active ✓

✓
Profile & mobile
2
Set up profile
3
Verify OTP
4
Accept & get started
"Two minutes to set up, everything I need right there."
— Ananya M., MBA · INSEAD
Back

Set up your profile

Your account will be linked to your Credila loan automatically.

+91
Active loan #CRL-29481 found for this number
Co-borrower access — secure & limited

As a co-borrower, you'll have access to everything you need to stay informed and make payments.

View loan status & EMI schedule

Full visibility into outstanding and schedule

Make EMI payments

Pay directly, set up auto-debit

Download statements

Interest certificates, loan account statement
"Set up auto-debit in 3 minutes. Never missed an EMI since."
— Meena R., Co-borrower · Chennai
Back
Co-borrower

Set up your profile

You'll be linked to the loan as a co-borrower.

+91
Co-borrower on loan #CRL-29481 · Aarav Kumar
We found your loan

Your Credila account gets automatically linked to your active education loan.

LOAN IDENTIFIED

Aarav Kumar

Student borrower · Primary

LOAN ID

#CRL-29481

AMOUNT

₹25,00,000

UNIVERSITY

Carnegie Mellon

STATUS

Active ✓

✓
Profile & mobile
2
Verify OTP
3
Accept & get started
"Two minutes to set up, everything I need right there."
— Ananya M., MBA · INSEAD
Back
Student borrower

Welcome, Aarav!

We found your Credila loan. Enter the OTP to verify your number.

Loan #CRL-29481 found

Aarav Kumar · Active loan · ₹25L

Enter the 6-digit OTP

Sent to +91 98765 43210

Resend OTP in 0:28

Change mobile number

Co-borrower profile verified

One OTP and you'll have full access to your co-borrower dashboard.

Profile identified

Rajesh Kumar

Co-borrower · Aarav Kumar's loan

Loan

#CRL-29481

Role

Co-sign ✓

Back
Co-borrower

Welcome, Rajesh!

Co-borrower profile found. Verify your OTP to continue.

Enter the 6-digit OTP

Sent to +91 87654 32109

Resend OTP in 00:28

Your data, your control

Credila is fully compliant with the Digital Personal Data Protection Act 2023.

Bank-grade encryption

256-bit AES encryption for all data

We never sell your data

Used only to service your loan

Full control, anytime

Revoke consent from Settings at any time
"Credila is one of the few Indian lenders genuinely transparent about data usage."
— Deepak V., PhD Scholar · TU Munich
Back

Before we begin

Review and accept to activate your account.

Terms of Use

Last updated June 2026

Privacy Policy

DPDP Act 2023 compliant

Your data is used only to service your loan and is never shared without consent.
I agree to the Terms of Use and Privacy Policy
Co-borrower access — transparent & secure

Your dashboard is designed for co-borrowers — clear visibility, easy payments, no clutter.

Secure access

Same bank-grade security as the student portal

Privacy protected

DPDP Act 2023 compliant
Back
Co-borrower

Before we begin

Review and accept to activate your account.

Terms of Use

Last updated June 2026

Privacy Policy

DPDP Act 2023 compliant

I agree to the Terms of Use and Privacy Policy
You're all set. Welcome to Credila.

Your loan, your payments, your remittances — all in one place.

Track your loan

Outstanding, EMI schedule, tranche status

Send tuition abroad

Best rates, instant transfers via Borderless

Ask Credila AI

Instant answers, always available
"Everything I need is right here — EMI schedule, tranche updates, forex transfers."
— Ananya M., MBA · INSEAD

Account created!

Your Credila loan has been linked to your account.

Account holderAarav Kumar
Mobile+91 98765 43210
Loan#CRL-29481
Status✓ Connected
Good to have you back

Sign in to access your loan dashboard, make payments, track tranches, and more.

Secure 2-factor login

Password + OTP for maximum security

Session protected

Auto-logout after 30 minutes of inactivity
"Logging in takes seconds. Everything I need to manage my loan is right there."
— Rohit K., MTech · NUS Singapore
Back
Credila

Welcome back

Sign in to your Credila account.

+91

Forgot password?

No account? Get started

Credila › Dashboard
A
Aarav Kumar
Good morning, Aarav 👋
Aarav Kumar · Student borrower · CRL-29481

Loan outstanding

Moratorium
Active

Outstanding balance

₹18,25,000

Next PEMI

₹18,250

Jul 5 · 9 days ›

Rate

10%

Floating ›

₹18,25,000 disbursed of ₹25,00,000 sanctioned

Upload enrollment letter for Tranche 3

6 days left

Money & MCA

2 currencies

$3,248.50

Multi-currency account · Borderless

🇺🇸 USD

$3,120

🇪🇺 EUR

€128.50

Recent activity

EMI paid — Jun 5

Auto-debit · HDFC ···4521

₹18,250

Paid

Part payment — May 20

UPI · aarav@paytm

₹50,000

Paid

Tranche 2 disbursed — Jun 1

₹10,25,000 credited to account

+₹10.25L

Disbursed

Transfer to CMU — May 12

$3,684 via Borderless

₹3,50,000

Sent

Explore for you

Multi-currency

Hold USD, GBP, CAD

Borderless

Travel insurance

Study-abroad cover

Coming soon

Student resources

Visa, housing, banking

New

Community

CMU '26 group

New

Quick actions

Pay EMI

₹18,250 due Jul 5

Request Tranche 3

₹6,75,000 · pending upload

Send money abroad

Best forex · via Borderless

Repayment planner

Simulate part payment impact

Documents

Certificates, statements

Ask AI

Instant answers · 24/7

Need help?

Support

Requests

Ask AI

My Loan
CRL-29481 · Carnegie Mellon University · ₹25,00,000 sanctioned
Next EMI
₹18,250
Jul 5 · 9 days ›
Tranche
2 of 4
Next: Sep 2026 ›
Rate of Interest
10%
Floating ›
Auto-Debit
Active ✓
HDFC ···4521 ›

Outstanding balance

Moratorium ›

₹18,25,000

₹18,25,000 of ₹25,00,000 sanctioned

Loan tools

Repayment planner

Part payment simulator

Simulate →

Documents vault

NOC, statement, cert

Open →

EMI schedule

Amortisation table

View →

Loan details

Loan IDCRL-xxx123
Loan typeEducation loan
Sanctioned amount₹25,00,000
Disbursed amount₹18,25,000
LenderHDFC Credila
Sanctioned dateJan 15, 2026
Tenor120 months
Interest rate10% floating
EMI (post-moratorium)₹33,038

Service requests

Tranche 3 disbursement

Upload pending · Jun 4

Contact update #CR-2026-04821

Under Review

Tranche Management
₹18,25,000 disbursed of ₹25,00,000 sanctioned

Sanctioned

₹25,00,000

Disbursed

₹18,25,000

Pending

₹6,75,000

73% disbursed

Tranche status

Tranche 1

Disbursed

₹8,00,000

Jan 15, 2026

Tranche 2

Disbursed

₹10,25,000

Jun 1, 2026

Tranche 3

Under review

₹4,00,000

Submitted Jun 4

Upload enrollment letter · 6 days left

Tranche 4

Not started

₹2,75,000

Window: Dec 2026

Disbursement timeline

Tranche 1 — ₹8,00,000

Disbursed Jan 15, 2026

Tranche 2 — ₹10,25,000

Disbursed Jun 1, 2026

Tranche 3 — ₹4,00,000

Upload required · Under review

4

Tranche 4 — ₹2,75,000

Available Dec 2026

Upload documents for Tranche 3

Enrollment letter required · 6 days left

EMI & Payments
Loan #CRL-29481 · Active

Outstanding balance

₹18,25,000

Next EMI due

₹18,250 · Jul 5

Remaining tenure

38 months

Repayment planner

Simulate part payment · see tenure & interest savings

Choose payment type

Part repayment

Pay extra · reduce tenure or lower EMI

Full repayment / foreclosure

Close your loan early · get foreclosure quote

Payment history

DateDescriptionMethodAmountStatus
Jun 5, 2026EMI #18Auto-debit · HDFC₹18,250Paid
May 20, 2026Part paymentWire transfer · USD₹50,000Paid
May 5, 2026EMI #17Auto-debit · HDFC₹18,250Paid
Apr 5, 2026EMI #16Auto-debit · HDFC₹18,250Paid

Auto-debit

HDFC Bank ···4521

NACH active · Next: ₹18,250 on Jul 5

Active ✓

Interest certificate

FY 2025-26

Money & Transfers
Multi-currency account powered by Borderless

Total balance · Multi-currency account

$3,248.50

≈ ₹3,08,607 · Powered by Borderless

🇺🇸 USD

$3,120

≈ ₹2,65,824

🇪🇺 EUR

€128.50

≈ ₹11,757

Quick actions

Add funds

Via lien bank or NEFT

Send abroad

Best forex rates

MCA details

Account & KYC info

Pay bills abroad

Rent, utilities, fees

Currency breakdown

2 active
🇺🇸

US Dollar

USD · Primary

$3,120.00

≈ ₹2,96,400

🇪🇺

Euro

EUR · Secondary

€128.50

≈ ₹11,565

Annual LRS limit used $3,684 / $250,000

1.5% of annual limit used

Recent transactions

Carnegie Mellon

Jun 12 · Outward

-$3,684

₹3,50,000

Add funds · HSBC

Jun 10 · Inward

+$3,900

₹3,70,500

Univ. of Edinburgh

May 15 · Outward

-€128.50

₹11,565

Send Money Abroad
Step 1 of 4 — Amount & beneficiary
1
Amount
2
Quote
3
Review
4
Payment

Amount to send

₹
USD equivalent ≈ $3,684.21

Select beneficiary

Carnegie Mellon University

PNC Bank ●●●8824 · Pittsburgh, PA, USA

Nikhil Joshi (personal account)

Chase Bank ●●●2291 · New York, USA

Add new beneficiary

Add bank account details

Send Money Abroad
Step 2 of 4 — Exchange rate quote
✓
Amount
2
Quote
3
Review
4
Payment

Exchange rate

⏱ Expires in 02:00
🇺🇸

1 USD = ₹95.00

You send₹3,50,000
Recipient gets$3,684.21
Transfer fee₹0 (waived)
Forex markup₹0 (waived)

Sending to

Carnegie Mellon University

PNC Bank ●●●8824 · Pittsburgh

Send Money Abroad
Step 3 of 4 — Review transfer details
✓
Amount
✓
Quote
3
Review
4
Payment

Transfer summary

PurposeWire transfer abroad
ToCarnegie Mellon
BankPNC Bank N.A.
Exchange rate1 USD = ₹95.00
You send₹3,50,000
Recipient gets$3,684.21

Wire transfer to

Beneficiary

Carnegie Mellon University

Bank

PNC Bank N.A.

Account number

3829 4471 0012

Routing (ABA)

043 000 096

SWIFT / BIC

PNCCUS33

Reference / Memo

NIKHIL-CMU-2026
Send Money Abroad
Step 4 of 4 — Complete payment
✓
Amount
✓
Quote
✓
Review
4
Payment

Amount to be paid

₹3,50,000

Wire transfer to Carnegie Mellon University
Reference / MemoNIKHIL-CMU-2026
Recipient gets$3,684.21
Expected credit2–3 business days

Payment acknowledgement

Upload your NEFT / RTGS payment receipt or screenshot after initiating the transfer from your bank.

Click to upload receipt

PDF, PNG or JPG · NEFT / RTGS receipt

Transfer submitted!

₹3,50,000 is on its way to Carnegie Mellon University.

Reference IDTX-20260615-4219
Amount sent₹3,50,000
Recipient gets$3,684.21
StatusProcessing
Expected credit2–3 business days

Transfer tracker

Transfer initiated ✓

Your payment has been authorised

Payment received

Funds received by our partner

Routing to bank

Converting and routing to beneficiary

Credited to account

Funds deposited to recipient

Multi-Currency Account
Powered by Borderless · USD, EUR, GBP, CAD
USD Balance
$3,120.00
≈ ₹2,96,400
EUR Balance
€128.50
≈ ₹11,565
Total (INR equiv)
₹3,07,965
2 active currencies

Account details

Account typeMulti-currency
ProviderBorderless
Lien bankHDFC Bank ···4521
KYC statusVerified ✓
Annual limitUSD 250,000 (LRS)

Transaction history

DateDescriptionAmountStatus
Jun 12Carnegie Mellon Univ-$3,684Done
Jun 10Add funds via HSBC+$3,900Done
May 15Univ of Edinburgh-€128.50Done
Profile & Settings
Manage your personal details and preferences
A

Aarav Kumar

Student borrower

Verified ✓
Mobile+91 98765 43210
Emailaarav@gmail.com
Loan ID#CRL-29481
UniversityCarnegie Mellon

Notification preferences

EMI reminders
Tranche disbursement updates
Rate of interest changes
Transfer notifications
Promotional offers

Linked bank accounts

HDFC Bank ···4521

Auto-debit · Primary

Active

Security

Two-factor authenticationEnabled
Last loginToday, 9:14 AM · Chrome, Mac
Documents
Download certificates, statements and loan documents

Loan agreement

Signed · Jan 15, 2026

Interest certificate

FY 2025-26 · Available

Account statement

Jun 2025 – Jun 2026

NOC certificate

Request required

Tranche letters

2 available · Tranche 1 & 2

Tax documents

Form 26AS & AIS

AI Assistant
Ask me anything about your loan, payments, or remittances

Suggested questions

What is my current outstanding balance?
How do I send money to my university?
When is my next EMI and how much?
How do I change my auto-debit bank account?
What documents do I need for Tranche 3?
Can I make a part payment online?

Loan snapshot

Outstanding₹18,25,000
Next EMI₹18,250 · Jul 5
Tranche status2 of 4 disbursed
Rate10% floating

Credila AI

Online · Powered by Claude

Hi Aarav 👋 I can see your full loan — ₹18,25,000 outstanding, Tranche 2 disbursed, next EMI ₹18,250 on Jul 5. What would you like to know?
What is my current EMI amount?
Your current Pre-EMI (PEMI) is ₹18,250 due on the 5th of every month. This is the interest-only payment during your moratorium period. Once your course ends and the moratorium lifts, your full EMI will be approximately ₹33,038 per month.
Auto-Debit
Manage your NACH mandate for automatic EMI payments

Current mandate

HDFC Bank ···4521

Savings account · NACH mandate

Active ✓
Mandate typeNACH (ECS)
EMI amount₹18,250
Debit date5th of every month
Start dateJan 5, 2026
End dateDec 5, 2036

Upcoming debits

EMI #19

Auto-debit · HDFC

₹18,250

Jul 5, 2026

EMI #20

Auto-debit · HDFC

₹18,250

Aug 5, 2026

EMI #21

Auto-debit · HDFC

₹18,250

Sep 5, 2026

Why set up auto-debit?

Never miss an EMI — payments happen automatically

Avoid late payment penalties (2% per month)

Maintain healthy credit score with on-time payments

Service Requests
Raise or track change requests for your loan

Address change

Update your residential or correspondence address

Contact update

Update mobile number or email address

Bank account change

Update your auto-debit bank account

Rate enquiry

View rate history and floating rate details

NOC request

Request No Objection Certificate for your loan

Other request

Raise any other service request

Active requests

Request IDTypeSubmittedStatusAction
#CR-2026-04821Contact updateJun 10, 2026Under Review
#CR-2026-03142Tranche 3 disbursementJun 4, 2026Pending docs
Life Abroad
Value-added services for students studying overseas
Powered by Borderless

Forex & remittance

Send money abroad at live interbank rates. No hidden charges. Best rate guarantee.

Today's rate ₹95.00 / USD

Health insurance

Student health plans for USA, UK, Canada, Australia. University-approved coverage from Day 1.

University-approved plans

Student housing

Find verified student accommodation near your university. Flexible lease terms. No brokerage.

Near Carnegie Mellon, Pittsburgh

International SIM

Get a local SIM or eSIM delivered to India before you fly. Stay connected from Day 1.

T-Mobile, AT&T, Verizon plans

Community

Connect with fellow students

CMU Credila '26

234 students · Pittsburgh

US Students

1,842 members

Discussion forums

Ask anything · 5.2k posts

Alumni network

Learn from those who've been there

RK

Rahul K.

CMU '24 · SWE

PS

Priya S.

MIT '24 · Finance

AM

Arjun M.

NYU '23 · MBA

SS

Sneha S.

Purdue '25 · CS

VR

Vikram R.

Columbia '24 · Econ

Support
Get help with your loan, payments or account

Ask Credila AI

Available 24/7 · Instant answers

Get instant answers about your loan balance, EMI schedule, tranche status, remittances, and more.

Contact us

1800-XXX-XXXX

Mon–Sat 9AM–6PM

support@credila.com

Response within 24 hours

Live chat

Available 9AM–6PM weekdays

Frequently asked questions

How do I change my EMI auto-debit bank account?

When will Tranche 3 be disbursed?

How do I send money to my university abroad?

Can I make part payments on my loan?

How do I get my interest certificate for tax?

What happens if I miss an EMI?

Notifications
Stay updated on your loan, payments and transfers

EMI due in 9 days

₹18,250 on Jul 5 · HDFC auto-debit

Today

Upload required for Tranche 3

Enrollment letter · 6 days remaining

Yesterday

EMI paid successfully — Jun 5

₹18,250 auto-debited from HDFC

Jun 5

Tranche 2 disbursed — ₹10,25,000

Credited to Credila for University

Jun 1

Quick settings

EMI reminders
Tranche updates
Transfer alerts
Promotional
Good morning, Rajesh 👋
Co-borrower · Aarav Kumar's loan · #CRL-29481
Outstanding Balance
₹18,25,000
Aarav Kumar's loan
Next EMI
₹18,250
Jul 5 · 9 days ›
Auto-Debit
Active ✓
HDFC ···4521 ›

Loan overview

StudentAarav Kumar
Loan ID#CRL-29481
Sanctioned₹25,00,000
Outstanding₹18,25,000
Rate10% floating
UniversityCarnegie Mellon

Recent payments

EMI #18 — Jun 5

Auto-debit · HDFC

₹18,250

Paid

EMI #17 — May 5

Auto-debit · HDFC

₹18,250

Paid

EMI #16 — Apr 5

Auto-debit · HDFC

₹18,250

Paid
Make a Payment
Pay EMI on behalf of Aarav Kumar

EMI payment

Next EMI due

₹18,250

EMI #19 · Jul 5, 2026 · HDFC auto-debit active

Debit card / Net banking

All Indian banks supported

UPI

GPay, PhonePe, BHIM

Loan account

Aarav Kumar · #CRL-29481

Outstanding

₹18,25,000

PEMI

₹18,250

Rate

10%

Recent payments

EMI #18

Jun 5, 2026

₹18,250

Paid

EMI #17

May 5, 2026

₹18,250

Paid
Part Payment
Reduce your outstanding principal ahead of schedule
1
Amount
2
Quote
3
Review
4
Payment

Part payment amount

Approved

₹1,00,000

Ref #PP-2026-00183 · approved Jun 17, 2026

Or enter a different amount

₹

Minimum ₹10,000 · No prepayment charges

Apply payment towards

Reduce tenure
Reduce EMI

Your EMI stays the same — loan closes earlier

Part Payment
Review your savings before confirming
✓
Amount
2
Quote
3
Review
4
Payment

Quote valid until 5:30 PM today

Your savings

Months saved

8 months

Interest saved

₹1.43L

Impact on your loan

Current

Outstanding

₹18,25,000

EMI

₹18,250

End date

Dec 2031

After payment

Outstanding

₹17,25,000

EMI

₹18,250

End date

Apr 2031

Payment breakdown

Part payment amount₹1,00,000
PreferenceReduce tenure
Processing chargesNIL
Part Payment Request
Submit for Credila team review · usually approved instantly

Your request will be reviewed by the Credila team. Once approved, you can proceed with the wire transfer.

Part payment amount

₹

Min ₹10,000 · Max ₹18,25,000

Apply payment towards

Reduce tenure
Reduce EMI

Tenure saved

8 months ↓

102 → 94 months

Interest saved

₹1,42,800 ↓

EMI stays ₹18,250

Part Payment
Complete your payment
✓
Amount
✓
Quote
✓
Review
4
Payment

Amount to pay

₹1,00,000

Ref #PP-2026-00183

Choose payment method

256-bit encrypted · PCI DSS compliant

Request approved!

Your part payment request has been approved by the Credila team.

Reference#PP-2026-00183
Amount approved₹1,00,000
StatusApproved
Valid untilJun 30, 2026

Request timeline

Submitted

Jun 17, 2026 · 10:32 AM

Approved

Jun 17, 2026 · 10:34 AM

Part Payment
Complete your payment
✓
Amount
✓
Quote
✓
Review
4
Payment

Amount to pay

₹1,00,000

Ref #PP-2026-00183

Choose payment method

256-bit encrypted · PCI DSS compliant

Payment successful!

Your part payment has been processed. Your loan balance will be updated within 2 business days.

Amount paid₹1,00,000
Reference#PP-2026-00183
New outstanding₹17,25,000
Months saved8 months

Submitting request…

Sending to Credila operations team

Payment successful!

Your part payment has been processed. Your loan balance will be updated within 2 business days.

Amount paid₹1,00,000
Reference#PP-2026-00183
New outstanding₹17,25,000
Months saved8 months

Processing your request

This usually takes a few seconds…

Full Repayment
Foreclosure — close your loan entirely

Foreclosure amount

₹18,52,187

Principal ₹17,80,000 + interest till date ₹72,187

Loan closure date

Jun 30, 2026

Interest saved

₹4,32,500 ↓

What's included

Outstanding principal₹17,80,000
Accrued interest₹72,187
Foreclosure charges₹0 (waived)
Total payable₹18,52,187

Download foreclosure letter

Required for bank processing

By proceeding you confirm the foreclosure terms

Full Repayment
Step 2 of 5 — Amount
✓
Summary
2
Amount
3
Quote
4
Review
5
Payment

Foreclosure amount

₹ 18,52,187
USD equivalent ≈ $21,740.00
Outstanding principal₹17,80,000
Accrued interest₹72,187
Foreclosure charges₹0 (waived)

Amount is fixed based on your loan balance as of today

Full Repayment
Step 3 of 5 — Exchange rate quote
✓
Summary
✓
Amount
3
Quote
4
Review
5
Payment

Pay from

Exchange rate

⏱ Expires in 02:00
🇺🇸

1 USD = ₹85.20

You send$21,740.00
Credila receives₹18,52,187
Processing fee₹0 (waived)
Foreclosure charges₹0 (waived)

Loan closure

Loan closes onJun 30, 2026
Interest saved₹4,32,500 ↓
Credited byNext business day
Full Repayment
Step 4 of 5 — Review transfer details
✓
Summary
✓
Amount
✓
Quote
4
Review
5
Payment

Transfer summary

Loan#CRL-29481
RecipientCredila Financial Services
To accountHSBC ●●●●8801
Exchange rate1 USD = ₹85.20
You send$21,740.00
Credila receives₹18,52,187
Payment typeFull repayment — foreclosure

Wire transfer to

Account name

Apex Remittance Inc.

Bank

JPMorgan Chase

Account number

8872 0041 3321

Routing number (ABA)

021000021

SWIFT / BIC

CHASUS33

Reference / Memo

CRL-29481-FC
Full Repayment
Step 5 of 5 — Final confirmation
✓
Summary
✓
Amount
✓
Quote
✓
Review
5
Payment

Amount to be transferred

$21,740.00

≈ ₹18,52,187 · towards Loan #CRL-29481 · full closure

After this payment

Loan statusClosed ✓
Closure dateJun 30, 2026
Interest saved₹4,32,500 ↓
NOC dispatchWithin 5 business days

Payment acknowledgement

Upload your wire transfer receipt, bank acknowledgement, or payment screenshot so Credila can confirm the full closure.

Click to upload receipt

PDF, PNG or JPG · Max 10MB

This will permanently close your loan account once Credila confirms receipt of funds.

Loan closure initiated!

Your wire transfer acknowledgement has been received. Credila will confirm loan closure within 2 business days.

Reference#FC-2026-00041
Amount₹18,52,187
Loan statusClosure pending
NOC dispatchWithin 5 business days
Repayment Planner
Simulate the impact of a part payment on your loan

Outstanding

₹18,25,000

Rate

10.75%

Tenure left

102 mo

Current EMI

₹18,250

If I make a part payment of…

₹25K

Small

₹1L

Popular

₹5L

Large

₹

Minimum ₹10,000 · No prepayment charges

Reduce tenure

Keep EMI same

Reduce EMI

Keep tenure same

If you pay ₹1,00,000 today

8 months

saved off tenure

₹1.43L

interest saved

Before vs. after

Before

Tenure102 mo
Total interest₹8,42,300
End dateApr 2033

After

Tenure94 mo
Total interest₹6,99,500
End dateAug 2032

Your tenure reduces from 102 months to 94 months. EMI stays at ₹18,250.

Saves scenario, then raises the payment request

Back to planner
Simulation result

Part payment of ₹1,00,000

8 months

saved off tenure

₹1.43L

interest saved

Tenure
102 mo→ 94 mo
Total interest
₹8,42,300→ ₹6,99,500
New end dateAug 2032 (was Apr 2033)
Back
Cancel auto-debit?
This will stop automatic EMI deductions
Cancelling auto-debit means you must pay each EMI manually to avoid late fees.
Back
Modify auto-debit
Back
Rate of Interest
Floating rate linked to RBI repo rate

Current rate

10.00%

Floating · Repo rate + 3.5%

RBI repo rate6.50%
Spread3.50%
Effective rate10.00%

Rate history

Jan 202610.50% → 10.00% ↓
Jun 202511.00% → 10.50% ↓
Jan 202511.00% (initial)
Back
Loan Lifecycle

Sanctioned

₹25,00,000 · Jan 15, 2026

Tranche 1 disbursed

₹8,00,000 · Jan 20, 2026

Tranche 2 disbursed

₹10,25,000 · Jun 1, 2026

Tranche 3 (pending)

~₹6,75,000 · Aug 2026

Moratorium ends

Jul 2028 (after course)

Repayment starts

Aug 2028

Loan closed

Jul 2038 (estimated)

Back
Add funds
Choose a source to add funds to your MCA

HSBC Lien account

Linked · ···7821

Net banking

Other bank

Back
Confirm funds
Amount₹1,00,000
SourceHSBC ···7821
Credited toMCA USD account
Funds added!
₹1,00,000 has been added to your MCA
Amount+₹1,00,000
Reference#AF-2026-09312
Back
Transfer quote
Send₹3,50,000
Recipient gets$3,684.21
Rate₹95.00 / USD
Fee₹590
Total debit₹3,50,590

Quote valid for 10 minutes · 9:47

Back
Review transfer
BeneficiaryCarnegie Mellon University
Amount$3,684.21
PurposeTuition fees
Debited₹3,50,590
Processing transfer…
Please wait · do not close this window

Connecting to banking partner…

Transfer initiated!
Your money is on its way to Carnegie Mellon
Reference#TR-2026-44921
Amount$3,684.21
ETA1–2 business days
Back
Pay Bills Abroad
Pay rent, utilities, or other bills internationally
Back
Remitter details
Back
Beneficiary details
Back
Payment quote
Amount$500
Rate₹95.00 / USD
Total debit₹47,580
Back
Upload documents

Click to upload

Payment submitted!
Ref#PB-2026-00872
Amount$500
ETA1–3 business days
Loan Schedule
Your full repayment schedule and loan summary

Outstanding

₹18,25,000

EMI 18 of 120

₹18,250

Interest remaining

₹8,42,300

Tenure left

102 months

Repayment schedule

Month EMI Principal Interest Balance
Jun '26 18,250 1,850 16,400 18,25,000
Jul '26 18,250 1,867 16,383 18,23,133
Aug '26 DUE 18,250 1,884 16,366 18,21,249
Sep '26 18,250 1,901 16,349 18,19,348
Oct '26 18,250 1,918 16,332 18,17,430
Nov '26 18,250 1,935 16,315 18,15,495
Dec '26 18,250 1,952 16,298 18,13,543
Jan '27 18,250 1,969 16,281 18,11,574
Feb '27 18,250 1,987 16,263 18,09,587
Mar '27 18,250 2,005 16,245 18,07,582
Back
Request Tranche 3
₹6,75,000 — Semester 3 fees
Back
Upload documents
Required for Tranche 3 disbursement

Click to upload PDF

Click to upload PDF

Back
Pay EMI
₹18,250 · EMI #19 · Jul 5

Debit card / Net banking

UPI

Part Payment
Step 2 of 4 — Get exchange rate quote
✓
Amount
2
Quote
3
Review
4
Payment

Pay from

Exchange rate

⏱ Expires in 02:00
🇺🇸

1 USD = ₹85.20

You send $1,173.71
Credila receives ₹1,00,000
Processing fee₹0 (waived)
Prepayment charges₹0 (waived)

Loan impact after payment

New outstanding₹17,25,000
New tenure94 months (−8 months)
Interest saved₹1,42,800
Credited byNext business day
Part Payment
Step 3 of 4 — Review transfer details
✓
Amount
✓
Quote
3
Review
4
Payment

Transfer summary

Loan#CRL-29481
RecipientCredila Financial Services
To accountHSBC ●●●●8801
Exchange rate1 USD = ₹85.20
You send$1,173.71
Credila receives₹1,00,000
Payment typePart payment · Reduce tenure

Wire transfer to

Account name

Apex Remittance Inc.

Bank

JPMorgan Chase

Account number

8872 0041 3321

Routing number (ABA)

021000021

SWIFT / BIC

CHASUS33

Reference / Memo

CRL-29481-PP183
Part Payment
Step 4 of 4 — Upload payment acknowledgement
✓
Amount
✓
Quote
✓
Review
4
Payment

Amount to be transferred

$1,173.71

≈ ₹1,00,000 towards Loan #CRL-29481

After this payment

Outstanding₹17,25,000
New tenure94 months
Interest saved₹1,42,800

Payment acknowledgement

Upload your wire transfer receipt, bank acknowledgement, or payment screenshot so Credila can confirm the transfer.

Click to upload receipt

PDF, PNG or JPG · Max 10MB

Your part payment will be confirmed within 1 business day of us receiving the wire transfer.

Payment submitted!

Your wire transfer acknowledgement has been received. Credila will confirm your part payment within 1 business day.

Reference#PP-2026-00183
Amount₹1,00,000
New outstanding₹17,25,000
Months saved8 months
StatusPending confirmation
Payment failed
Please try again or use a different method
Processing payment…

Please wait…

Back
Submit request

Click to upload

Request submitted!
We'll process it within 3–5 business days
Reference#CR-2026-05211
ETA3–5 business days
Back
Interest certificate
Financial year2025-26
Total interest paid₹2,16,958
Eligible for 80EYes · Full interest amount
Back
Download document
DocumentLoan agreement
DateJan 15, 2026
Back
Notification preferences

Communication channels

SMS alerts
Email
Push notifications

Alert types

EMI reminders
Tranche updates
Transfer alerts
Rate changes
Promotions
Request history
All your service requests
RefTypeSubmittedStatus
#CR-2026-04821Contact updateJun 10Under review
#CR-2026-03142Tranche 3 requestJun 4Pending docs
#CR-2026-01055Address changeMar 12Resolved
#CR-2025-09821Auto-debit updateNov 20, 2025Resolved
Payment history
All EMI and part payments
DateDescriptionAmountMethodStatus
Jun 5, 2026EMI #18₹18,250Auto-debitPaid
May 5, 2026EMI #17₹18,250Auto-debitPaid
Apr 5, 2026EMI #16₹18,250Auto-debitPaid
Mar 5, 2026EMI #15₹18,250Auto-debitPaid
Feb 5, 2026EMI #14₹18,250Auto-debitPaid