Which education loan is safer for study abroad: ICICI Bank or HDFC Credila?

My qualifications: attending college in New York, Fall 2024–2026 intake, and seeking an education loan of around ₹60–70 lakhs.

Hi everyone, I am finalizing an education loan and would really appreciate recent experiences.

I am currently comparing ICICI Bank and HDFC Credila. My understanding is:

• ICICI: floating rate linked to repo, but they said the spread stays fixed and only repo changes.
• Credila: they said both repo and spread can change.
• ICICI moratorium: simple interest during moratorium.
• Credila moratorium: I believe interest compounds during the moratorium.

I also know Credila has a large market share, but I have seen mixed reviews here, especially around servicing and rate revisions.

For people who have taken loans recently, which one is the better / safer option overall? Any feedback on hidden charges, rate increases over time, repayment flexibility, customer service, and sanction/disbursement speed for I-20 and visa timelines would really help.

Need to finalize this soon, so recent first-hand experiences would be very helpful. Thanks.