Collateral-free loans without Direct EMI option?

Education Loans
1

I have talked to a few banks regarding collateral-free loans and they have Direct EMI option only for under-graduation.
Is there any option for collateral-free loan whose EMI begins after the course?

2

Hello,

For undergraduate courses only immediate EMI options are available. However, to delay repayment or to choose a simple interest repayment method you can go for collateral-based loans.