Study Abroad Funding
Education Loans for Abroad Study
Access unsecured loan options up to INR 70 lakhs. Compare leading private banks, nationalized institutions, and international dollar lenders in one unified process.
Funding pathways by country
Lenders customize their terms based on visa rules. We guide you through SDS and non-SDS compliance parameters:
USA
For Graduate program, access funding till 75 lacs (both Indian and dollar loan)
Canada
Use loan amount as proof of funds and access easy immigration to the destination for higher studies
Germany
Take care of 100% of living and education expenses in most ideal destination for Indian students
Other Countries
Create better future for yourself with higher education in other countries like UK, French, Singapore, Australia and New Zealand
Unsecured eligibility benchmarks
Academic Profile (Weight: 40%)
Prior degree GPA, standardized scores (GRE 305+, GMAT 620+), and global university ranking.
Co-Applicant Income (Weight: 40%)
Monthly salary exceeding INR 60,000 with clean tax filings (ITR/Form 16) and stable employment.
Credit Profile (Weight: 20%)
Applicant and co-applicant CIBIL score of 720+ with zero defaults or delayed EMI history.
Start Profile Evaluation
Loan Process - Step by step loan process
We sync applicants, co-applicants, and lending desks into a coordinated process. No lost documents, no missed tuition payment deadlines.
Step 1: Understand Your Requirements
We begin by understanding your financial needs, loan purpose, income profile, repayment capacity, and preferences. This allows us to recommend loan options that are aligned with your circumstances.
Step 2: Assess Eligibility
Before you apply, we evaluate your eligibility based on lender-specific criteria. This helps reduce uncertainty and enables you to focus on suitable financing options.
Step 3: Match You with Appropriate Lenders
Rather than requiring you to approach multiple financial institutions independently, we help identify lenders whose products best fit your profile, helping you save time and effort.
Step 4: Documentation Support
Our team guides you through the required documentation, reviews applications for completeness, and helps minimise avoidable delays caused by missing or incorrect information.
Step 5: Application Assistance
We assist you throughout the application process, helping you understand each stage, respond to lender requirements, and keep your application moving efficiently.
Step 6: Ongoing Updates
We provide timely updates on your application's progress and help coordinate with the lender whenever additional information or documentation is required.
Step 7: Support Until Loan Disbursement
Our assistance continues until the lending process is completed, ensuring you have guidance through approval, acceptance of the loan offer, and disbursement.
Compare Lenders Matrix
Detailed market overview mapping Indian Rupee Loans and USD Loans across top institutional lending partners.
| Lender Partner | Currency | Secured Loan Limit | Unsecured Loan Limit | Indicative Rate | Sanction Speed |
|---|---|---|---|---|---|
| SBI (State Bank of India) | INR | Secured (No Limit) | N/A | 8.55% - 10.20% | 7 - 14 Days |
| HDFC Credila | INR | Secured (No Limit) | Up to ₹50 Lakhs | 10.50% - 12.50% | 3 - 5 Days |
| InCred | INR | Secured (No Limit) | Up to ₹60 Lakhs | 11.25% - 13.50% | 3 - 4 Days |
| Avanse | INR | Secured (No Limit) | Up to ₹55 Lakhs | 11.00% - 13.25% | 3 - 5 Days |
| Auxilo | INR | Secured (No Limit) | Up to ₹50 Lakhs | 11.25% - 13.50% | 3 - 5 Days |
| Prodigy Finance | USD | N/A | Up to $100,000 | 12.00% - 14.50% | 3 - 4 Days |
| MPOWER Financing | USD | N/A | Up to $100,000 | 12.75% - 14.99% | 3 - 4 Days |
Student vs Co-Applicant Checklist
Side-by-side comparison matrix of paperwork required for credit evaluation and visa-compliant loan sanctioning.
| Paperwork Category | Student Requirements | Co-Applicant Requirements |
|---|---|---|
| KYC & Identity | Passport (mandatory for abroad), PAN Card, Aadhaar Card, Passport-sized photographs. | PAN Card, Aadhaar Card, Photo ID, Address Proof, Proof of relationship with student (must be an immediate family/blood relative). |
| Academic Records | Class 10th & 12th Marksheets, UG Degree/Transcripts, GRE/GMAT and IELTS/TOEFL score sheets. | None required. |
| Income & Tax Documents | None (or work experience certificates & salary slips if applicable). | Salaried: 3 months salary slips, 2 years Form 16/ITR, 8 months bank statements. Self-employed: 2 years CA certified ITR, CA provisional balance sheets, 6 months bank statements. |
| Collateral & Property | None required (linked as co-signer/applicant assets). | For Secured Loans: Property title deeds, society share certificates, registered sale agreement, approved plans, NOC for mortgage from society/builder, encumbrance certificates. |
Education Loan FAQ
A loan to finance overseas higher education, covering tuition, living expenses, travel, insurance, and related costs. Offered by banks and NBFCs with or without moratorium periods
Ready to Secure Your Ideal Funding?
Speak with a loan advisory specialist today to review your borrowing bandwidth and structure your path to optimal financing.