Online Degree EMI Options & Scholarships – Budget-Friendly Ways to Study in 2025
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Explore EMI plans and scholarships available for online degrees in 2025. Learn how you can pursue higher education affordably through flexible payment options and financial aid.
Introduction
The rising demand for online education in India and around the world has made it easier for students and working professionals to pursue their dream degrees from the comfort of their homes. However, one concern that still lingers is affordability. Many students hesitate to enroll in online courses due to financial constraints. This is where Online Degree EMI Options & Scholarships in 2025 come into play—offering smart, budget-friendly solutions to finance your education.
In this blog, we’ll take a deep dive into the best EMI options, scholarship schemes, and cost-effective strategies to study online without compromising on quality.
Why Online Degrees Are a Smart Choice in 2025
Before we get into financial aid, let’s quickly understand why online degrees are gaining popularity in 2025:
- UGC-approved universities now offer full-time online degrees that are at par with regular courses.
- Flexibility to study from anywhere makes it ideal for working professionals, housewives, and students in remote areas.
- Reduced overhead costs (travel, hostel, textbooks) make online education more affordable by default.
- Recorded lectures, live support, and online exams provide a user-friendly learning experience.
But even with these benefits, tuition fees for reputed online programs can range from ₹30,000 to ₹1,50,000+ annually. Let’s now explore how EMI and scholarship options can make them accessible to everyone.
What Are EMI Options for Online Degrees?
EMI (Equated Monthly Installments) allows you to pay your course fees in smaller, manageable monthly amounts rather than a lump sum. In 2025, most online universities and education platforms are offering 0% interest EMI or low-cost EMI plans via banks and digital payment platforms.
✅ How EMI for Online Degrees Works
- Course Fees Divided into Monthly Installments:
For example, if a course costs ₹60,000 for 1 year, you may pay ₹5,000/month for 12 months. - EMI Through Education Loan or Partner NBFCs:
Institutions partner with banks like ICICI, HDFC, and NBFCs like ZestMoney, Propelld, or Eduvanz. - No Cost EMI Offers:
Many top platforms like upGrad, Amity Online, Jain Online, and Manipal University offer zero-cost EMI options for eligible students.
🔍 Popular EMI Partners for Online Degree Programs
| EMI Provider | Type | Interest Rate | Tenure |
|---|---|---|---|
| ZestMoney | No-Cost EMI | 0% – 7% | 3–12 months |
| Eduvanz | Education Loan | 0% – 9.5% | 3–24 months |
| Propelld | Flexible EMI | 0% – 10% | 3–18 months |
| Paytm Postpaid | Monthly Payments | 0% (on offer) | 3–6 months |
💡 Tip: Always compare EMI tenures, interest rates, and processing fees before choosing a provider.
Top Online Universities Offering EMI Plans in 2025
Here are some UGC-Entitled universities offering EMI options for online UG/PG courses:
1. Amity University Online
- Courses: MBA, MCA, BBA, BCA, M.Com, etc.
- EMI: Starts from ₹4,000/month
- No-cost EMI through multiple partners
2. Jain University Online
- Courses: MBA, B.Com, BA, MA, etc.
- EMI: Flexible tenure options
- Offers early-bird discounts + EMI plans
3. Manipal Online (Jaipur)
- Courses: BBA, MBA, MCA, M.Com
- EMI through ZestMoney & Financepeer
- Low-cost EMI for working professionals
4. Chandigarh University Online
- Courses: BBA, MBA, BCA, MCA
- EMI: Available via Propelld and Eduvanz
Scholarship Options for Online Degrees in 2025
While EMI reduces financial burden by breaking the cost into parts, scholarships help reduce the actual cost of your online course.
🎓 Types of Scholarships Available in 2025
1. Merit-Based Scholarships
- Offered by universities for students with strong academic backgrounds.
- Example: 20–50% fee waiver for scoring 75%+ in Class 12 or graduation.
2. Need-Based Scholarships
- Designed for EWS (Economically Weaker Section) students or single parents.
- Example: College Sarathi helps connect eligible students with EWS scholarships.
3. Special Category Scholarships
- For women, transgender candidates, physically challenged students, etc.
- Some universities offer 100% scholarships for female learners in STEM.
4. Corporate Scholarships
- Sponsored by companies to support employee education.
- Example: TCS, Infosys, and Wipro offer tuition support to employees pursuing online MBA or MCA.
5. Government Scholarship Schemes (Applicable to Online Learners)
- NSP (National Scholarship Portal)
- SC/ST/OBC Scholarships at state and central level
- AICTE Pragati and Saksham Schemes
How to Apply for Scholarships for Online Courses
- Check university website for available scholarships.
- Visit CollegeSarathi.com to consult on eligibility and apply with documentation.
- Fill forms on portals like NSP, UGC scholarship portal, or university-specific links.
- Attach income proof, academic mark sheets, identity proof, and any relevant category certificate.
How College Sarathi Helps You Study Affordably
At College Sarathi, we help students across India:
- Choose UGC-approved universities with EMI & scholarship benefits
- Apply for education loans and EMI plans
- Get support for government and private scholarships
- Counsel students on EWS-based financial support
We understand that financial limitations should not stop you from pursuing your goals. Our expert counselors guide you step-by-step to ensure that your online education journey remains affordable, flexible, and recognized.
🔗 Visit www.collegesarathi.com to get started.
Tips to Make Online Education More Affordable in 2025
- Choose a university that offers zero-cost EMI and lifetime access to learning materials
- Apply early to avail early-bird scholarships
- Always compare course fees across platforms before enrolling
- Opt for combo offers or degree bundles to save more
- Check for state-level scholarships like Bihar Post Matric Scholarship, UP Scholarship, etc.
Conclusion
Pursuing an online degree in 2025 doesn’t have to break the bank. With flexible EMI plans, merit and need-based scholarships, and smart support systems like College Sarathi, students can now unlock higher education at an affordable cost. The future of learning is online—and it’s more accessible than ever.
Whether you’re a student fresh out of school or a working professional aiming for career growth, budget-friendly online education options are here for you.
FAQs – Online Degree EMI Options & Scholarships 2025
Q1. Can I get an EMI plan with zero interest for an online degree?
Yes. Many universities like Amity Online, Jain Online, and Manipal University offer no-cost EMI plans through partners like ZestMoney and Propelld.
Q2. Are there scholarships for online courses for girls?
Absolutely. Many platforms and universities provide special scholarships for women, especially in technical and management courses.
Q3. Can EWS category students apply for scholarships for online degrees?
Yes. Students from the EWS category can avail of scholarships through the NSP Portal and private platforms supported by NGOs or universities.
Q4. Is EMI available for all online degree programs?
Most top online degree programs offer EMI options, but the availability and terms depend on the university and your credit eligibility.
Q5. How can I apply for EMI or scholarships with College Sarathi?
You can connect with our admission counselors who will help you select universities, prepare your documents, and apply for EMI or scholarships.
