An overseas offer, fully funded.
Studying abroad adds moving parts: currency, visa timelines, proof of funds. We help you line up a lender whose disbursement schedule fits the dates your university and consulate actually work to.
- Loan amount
- ₹5L – ₹1.5Cr
- Indicative rate
- 9% – 13.5% p.a.
- Tenure
- Up to 15 years
- Covers
- Tuition and living costs
Indicative ranges across partner lenders, not an offer of credit. Your rate and limit are set by the lending partner on the basis of your profile.
Partner lenders
- HDFC Credila
- Avanse
- Auxilo
- InCred
- Axis Bank
- ICICI Bank
- Union Bank
- Tata Capital
What the loan can cover
- Full tuition for the course duration
- Living expenses and accommodation abroad
- Airfare and visa costs
- Health insurance required by the university
- Laptop, books and study equipment
- Proof-of-funds requirements for the visa application
Who can apply
- Confirmed or conditional admission to an overseas institution
- A co-applicant resident in India
- Collateral for larger amounts, depending on the lender
- Courses and countries vary by lender's approved list
- Final criteria are set by each lending partner
Documents usually requested
- Admission letter and fee schedule from the university
- Passport and visa documentation
- Academic records and English test scores
- Co-applicant income proof and bank statements
- Collateral papers, for secured loans only
Plan ahead
What would this cost per month?
Opens on figures typical for study abroad loans. Move the sliders to match your own situation.
Estimated monthly instalment
₹47,803
- Principal
- ₹40,00,000
- Total interest
- ₹28,83,651
- Total payable
- ₹68,83,651
Indicative estimate on a reducing-balance basis. It excludes processing fees, insurance and any moratorium interest. Your actual rate and instalment are set by the lending partner.
Questions
Study abroad loans, explained.
Will the loan sanction arrive before my visa interview?
That is usually the point of applying early. Many consulates accept a sanction letter as proof of funds, so we work backwards from your interview date when planning the application.
Does the loan cover living expenses, or only tuition?
Most overseas education loans cover living costs alongside tuition, though the proportion varies by lender and by country. The split is set out in the sanction letter.
Who handles the foreign exchange transfer?
The lender typically remits directly to the university under RBI rules. Charges and the exchange rate applied are disclosed by the lender and the remitting bank.
Other ways we can help
- Explore
Education Loans
One application puts your profile in front of multiple education lenders, so you can weigh secured against unsecured, and rate against repayment, before you commit to anything.
- Explore
Personal Loans
Medical bills, a wedding, a renovation, consolidating costlier debt. A personal loan is unsecured, so approval rests on your income and credit history rather than on security.
- Explore
Real Estate Finance
Buying, building or borrowing against what you already own. Secured against the property itself, these carry the longest tenures and the lowest rates of anything on this site.
See what you qualify for.
A few questions, no paperwork to start, and no obligation to proceed.