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Education Loans for Overseas Studies

Secure non-collateral loans up to ₹75 Lakhs or collateral-backed loans up to ₹1.5 Crore with lowest interest rates, doorstep service, and pre-visa sanction letters.

Calculate Monthly EMICheck Loan Eligibility

Collateral vs Non-Collateral Education Loans

Choose the right loan structure tailored to your academic background and financial preferences.

MOST POPULAR FOR STEM & MBA

Loan Without Collateral (Unsecured)

Students with strong GRE/GMAT, top university admits, or STEM/MBA degrees.

Maximum SanctionUp to ₹75 Lakhs / $100K
Interest Rate9.25% - 13.50% p.a.
Approval Time2 - 5 Days
Property Docs NeededNot required
Apply for Non-Collateral Loan
LOWEST INTEREST RATES

Loan With Collateral (Secured)

Students seeking lowest interest rates and maximum loan tenure up to 15 years.

Maximum SanctionUp to ₹1.5 Crore
Interest Rate8.95% - 10.75% p.a.
Approval Time5 - 10 Days
Accepted CollateralResidential Flat, Fixed Deposit (FD), Non-agricultural Land, or LIC policy
Apply for Collateral Loan

Our Trusted Banking & Lending Partners

We work directly with premier public sector banks, private banks, NBFCs, and international lenders.

HDFC CREDILANBFC / Private Bank

HDFC Credila

Up to ₹75 Lakhs (No Collateral)

Interest Rate:9.25% - 11.50% p.a.
Turnaround Time:3 to 5 Days
  • Pre-visa sanction available
  • Co-applicant flexibilities
  • Tax benefit under 80E
Check Pre-Approved Offer
STATE BANK OF INDIAPublic Sector Bank

SBI Global Ed-Advantage

Up to ₹1.5 Crore (With Collateral)

Interest Rate:8.95% - 10.25% p.a.
Turnaround Time:7 to 10 Days
  • Lowest interest rate
  • 0.5% concession for female students
  • Simple interest during moratorium
Check Pre-Approved Offer
UNION BANK OF INDIAPublic Sector Bank

Union Bank of India

Up to ₹1.5 Crore (With Collateral)

Interest Rate:8.80% - 10.50% p.a.
Turnaround Time:5 to 7 Days
  • Competitive interest rates
  • High loan amount for top global universities
  • Tax benefit under Section 80E
Check Pre-Approved Offer
ICICI BANKPrivate Sector Bank

ICICI Bank

Up to ₹1 Crore (Pre-approved options)

Interest Rate:9.50% - 11.75% p.a.
Turnaround Time:3 to 5 Days
  • Pre-approved education loans
  • Sanction before visa application
  • Seamless digital process
Check Pre-Approved Offer
AXIS BANKPrivate Sector Bank

Axis Bank

Up to ₹75 Lakhs (Unsecured) / ₹1.5 Cr (Secured)

Interest Rate:9.50% - 12.00% p.a.
Turnaround Time:3 to 5 Days
  • 100% funding option
  • Flexible repayment terms up to 15 years
  • Doorstep service available
Check Pre-Approved Offer
TATA CAPITALNBFC

Tata Capital

Up to ₹75 Lakhs (No Collateral)

Interest Rate:10.50% - 13.00% p.a.
Turnaround Time:2 to 4 Days
  • Minimal documentation
  • Fast digital approvals
  • Flexible tenure up to 12 years
Check Pre-Approved Offer
AUXILONBFC

Auxilo Finance Bank

Up to ₹60 Lakhs (No Collateral)

Interest Rate:10.25% - 12.75% p.a.
Turnaround Time:3 to 5 Days
  • 100% tuition & living expense coverage
  • No cap on loan amount for prime institutes
  • Customized EMI options
Check Pre-Approved Offer
AVANSENBFC

Avanse Financial

Up to ₹60 Lakhs (No Collateral)

Interest Rate:9.75% - 12.50% p.a.
Turnaround Time:2 to 4 Days
  • Fast digital sanction
  • 100% tuition + living cost coverage
  • Flexible repayment tenure up to 15 yrs
Check Pre-Approved Offer
INCREDDigital NBFC

InCred Finance

Up to ₹50 Lakhs (No Collateral)

Interest Rate:10.25% - 13.00% p.a.
Turnaround Time:48 Hours
  • Zero physical paperwork required
  • Customized risk-based pricing
  • Pre-admission approval
Check Pre-Approved Offer

Education Loan EMI Calculator

Estimate your monthly repayment schedule for overseas study funding.

Loan Amount₹35,00,000
₹5 Lakhs₹75 Lakhs₹1.5 Crore
Interest Rate (% p.a.)9.5%
7.5% (Public Bank)9.5% (Avg NBFC)15.0%
Loan Tenure (Years)10 Years
1 Year7 Years15 Years

Repayment Breakdown Summary

Monthly EMI₹45,289/ month
Total Interest₹19,34,697
Total Amount Payable₹54,34,697
Apply For Pre-Approved Loan

Loans for Upskilling & Executive Certificates

Funding available for short-term executive diplomas, online Master's, and specialized certifications from top global universities.

Explore Upskilling Loans

Refer Friends & Earn Cash Rewards

Know a classmate planning to study abroad? Refer them for an education loan and receive up to ₹5,000 gift vouchers upon loan sanction.

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