Introduction
How Much Education Loan Can I Get? Global exposure, access to top-ranked universities, and better career prospects make it an attractive option. From tuition fees to living expenses, the total cost can range from ₹30 lakh to ₹1.5 crore or more, depending on the country & university.
But the big question remains: How much loan can you get to study abroad? This article breaks down loan limits, what influences them, & how to plan your education financing in 2025.
How Much Loan Can You Get for Studying Abroad?
It is the amount you can borrow depends on multiple factors such as the lender, whether you offer collateral, & the institution. How Much Education Loan Can I Get where you’ve secured admission?
Loan Limits Without Collateral (Unsecured Loans)
| Lender Type | Typical Loan Amount |
| Public Banks | Up to ₹7.5 lakh |
| Private Banks | ₹10 – ₹25 lakh |
| NBFCs (e.g., Avanse, HDFC Credila) | ₹15 – ₹40 lakh (for select institutions) |
Key Factors:
- Requires a strong co-applicant profile
- Limited to top-tier global universities
- Higher interest rates (11% – 13.5%)
Loan Limits With Collateral (Secured Loans)
| Lender Type | Typical Loan Amount |
| SBI (Global Ed-Vantage) | Up to ₹1.5 crore |
| Bank of Baroda | Up to ₹80 lakh |
| HDFC Credila/Avanse | Up to 100% of the total cost |
Collateral Types Accepted:
- Residential property
- Fixed deposits
- Non-agricultural land
- LIC policies
Advantages:
- Lower interest rates (8.5% – 10.5%)
- Higher chances of approval
- Covers full education cost, including travel, insurance, and living expenses
What Does the Loan Cover?
- Tuition fees
- Living expenses
- Travel and visa costs
- Health and travel insurance
- Laptop, books, and other academic essentials
Tips to Maximize Loan Amount
- Apply early, especially if your course starts in a high-demand intake (Fall/Spring)
- Maintain a strong academic record
- Choose recognized universities with a high employability rate.s
- Use the Vidya Lakshmi Portal to compare public sector bank options.
Conclusion
In 2025, Indian students aspiring to study abroad can secure How Much Education Loan Can I Get ranging from ₹7.5 lakh to over ₹1.5 crore, depending on whether the loan is secured and the institution's credibility. While unsecured loans are quick and easier for smaller amounts, secured loans offer better interest rates and larger funding, crucial for covering full overseas education expenses.
With proper planning, the right documents, and smart lender selection, your dream of studying abroad can become financially achievable. Always compare options, understand repayment terms, & choose a loan that supports both your education and future goals.