At Tridham Global, we understand that choosing higher education abroad is a big decision — and financing it should not be a complication. With Section 80E, you can reduce your tax liability while supporting your educational journey.
At Tridham Global, we understand that choosing higher education abroad is a big decision — and financing it should not be a complication. With the provision of Section 80E of the Income Tax Act, you can reduce your tax liability while you support your child or yourself in pursuing studies. Our goal is to simplify the process, clarify your benefits, and help you focus on learning and growth.
You can claim the deduction of the interest paid on an education loan taken for your child's higher studies (in India or abroad) under Section 80E.
The loan must be from a financial institution or an approved charitable trust.
You (as the individual taxpayer) can claim this deduction — it does not apply to HUF (Hindu Undivided Family) or companies.
The deduction is valid for up to 8 years from the year you begin repaying the interest — or until the interest is fully paid, whichever is earlier.
Important: Only the interest component (not the principal) is eligible for deduction.
The Section 80E deduction is over and above the ₹1.5 lakh limit of Section 80C — so it is in addition to other tax benefits you may already be claiming.
If you've taken an education loan for your own higher studies (after Class 12) — either in India or overseas — you too qualify for the deduction under Section 80E.
Make sure you begin repayment (or at least start paying interest) — that triggers the 8-year deduction window.
Keep all the relevant loan documents: sanction letter, interest certificates, repayment proof. These are needed in case of tax scrutiny.
Tip: Ask your lender (or us at Tridham) each year for the "interest paid certificate". This certificate is what you declare in your Income Tax Return (ITR) to claim the deduction.
| Feature | What It Means for You |
|---|---|
| 100% Interest Deduction | You can claim all the interest you paid — no cap. |
| Up to 8 Years of Claiming | Start from when you begin repayment, lasts up to 8 years. |
| No Maximum Limit on Deduction | Unlike some other sections, there is no fixed upper monetary limit. |
| Applicable to All Higher-Ed Levels | Works for masters, professional courses, abroad studies, etc. |
| Interest Only | Principal repayments cannot be claimed. |
| Cannot Carry Forward | If you don't use the deduction one year, you can't carry it to the next year. |
Follow these simple steps to claim your Section 80E tax deduction
Contact us (Tridham Global) for your annual interest-paid certificate. This certificate shows the total interest you paid during the financial year and is essential for claiming your deduction.
While filing your Income Tax Return, enter the interest paid (from the certificate) under Section 80E. The interest amount reduces your taxable income — thus lowering your tax liability.
Keep your loan sanction letter, repayment proof, and interest certificates for at least 6 years. These documents are crucial in case of tax scrutiny.
Your tax liability will be reduced based on your tax slab, resulting in significant annual savings that you can use for other important expenses.
See how Section 80E can significantly reduce your tax liability
Let's understand how Section 80E works with a real example
| Annual Gross Income | ₹10,00,000 |
| Other Deductions (80C, etc.) | ₹1,50,000 |
| Education Loan Interest Paid (80E) | ₹1,00,000 |
| Total Taxable Income | ₹7,50,000 |
| Tax Without 80E Deduction | ₹1,12,500 |
| Tax With 80E Deduction | ₹82,500 |
| Annual Tax Savings | ₹30,000 |
Note: Tax calculation based on applicable tax slabs. Actual savings may vary based on individual circumstances. This example demonstrates how Section 80E reduces your taxable income from ₹8,50,000 to ₹7,50,000, thereby reducing your tax by a notable amount.
Your trusted partner for education financing and tax optimization
We specialize in education loans and abroad-study financing — so we know the tax rules and loan mechanics inside out.
We provide transparent support: interest certificate procurement, guidance on claiming the deduction, and long-term loan servicing.
Our aim: Make your higher-education journey financially smarter and worry-free with comprehensive guidance.
Don't let tax complexities hamper your pursuit of higher studies. With Section 80E and your loan from Tridham Global, you gain both access to education and tax-saving advantages. Reach out to us for any queries — we're here to guide you every step.
Tridham Global is committed to providing students and families with the highest level of service and expertise in education loan solutions. Your dreams, our commitment.
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