Current regulations on cryptocurrency taxation are exceptionally strict. You pay a flat 30% tax plus a 4% cess on any profits from selling or trading, and you cannot use losses to offset your gains. Additionally, a 1% TDS is deducted from every transfer, which the government uses to track your trades.

Remember to include the 18% GST on exchange fees and report everything in Schedule VDA of your ITR to avoid penalties.

There are numerous banks that offer educational loans. SBI, HDFC, and Axis Bank are the best banks for educational loans. 
The interest rate depends on the amount of the loan and the type of course which you will do. 
Most banks offer flexible repayment terms, which usually start within 6–12 months after the course's completion..
There are some banks that provide zero processing fees or discounts on interest rates for particular courses. Each bank has different penalties, and the best way to find out is to visit the bank.