Education loans are emotionally weighted and rate-sensitive. The leads here are typically parents who shopped at one bank, didn't like the collateral requirement or the processing time, and turned to a different banker for a second opinion. Overseas-study leads dominate — particularly Indian students heading to the US, UK, Canada, and Australia for MS / MBA — with deal sizes ₹15L–₹1Cr. Domestic-study leads are smaller but volume-heavy, especially around admission seasons. State-government schemes (Tamil Nadu, Maharashtra) also surface here when bankers can't process under their own bank's policy.