Compare 15+ banks & NBFCs, check eligibility in 60 seconds, and get your actual loan sanctioned — not just in-principle — in 1–2 working days. Backed by 15+ lender partnerships and full study abroad support from Easy Admissions. Zero advisory fee, ever.
₹1.5Cr
Max Loan Amount
15+
Banks & NBFCs
20+
Countries Covered
48h
Sanction Approval
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Trusted lenders:
SBI
Bank of Baroda
Punjab National Bank
ICICI
IDFC First
Axis
Credila
Auxilo
Avanse
InCred
Your Complete Study Abroad Journey
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Study Abroad Search
Find your dream university & country
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Shortlisting, application & offer letter
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Education Loan
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Enrollment & Departure
Pre-departure briefing & forex assistance
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India’s Only Full-Funnel Platform
Admission + Loan + Visa under one roof
● ⚡ 48-Hour Loan Sanction — actual sanction, not just in-principle approval, in 1–2 working days
● Govt. Banks (SBI / BoB / PNB) — lowest rates from 7.00% p.a. with collateral · tenure up to 20 years
● Private Banks (ICICI / Axis / IDFC First) — from 8.5% · sanctioned in 1–2 working days with us
● NBFCs (Avanse / Credila / InCred / Auxilo) — no collateral · from 10% · 48-hr sanction · tenure up to 14 years
● Unsecured Loans up to ₹1 Crore — no property needed · based on profile & co-applicant income
● Bank of Baroda Baroda Scholar — up to ₹1.5Cr · 20-year repayment tenure · lowest EMI
● ⚡ 48-Hour Loan Sanction — actual sanction, not just in-principle approval, in 1–2 working days
● Govt. Banks (SBI / BoB / PNB) — lowest rates from 7.00% p.a. with collateral · tenure up to 20 years
● Private Banks (ICICI / Axis / IDFC First) — from 8.5% · sanctioned in 1–2 working days with us
● NBFCs (Avanse / Credila / InCred / Auxilo) — no collateral · from 10% · 48-hr sanction · tenure up to 14 years
● Unsecured Loans up to ₹1 Crore — no property needed · based on profile & co-applicant income
● Bank of Baroda Baroda Scholar — up to ₹1.5Cr · 20-year repayment tenure · lowest EMI
Whether you have collateral or not, we find the best lender for your unique situation — at no cost to you.
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Secure higher loan amounts at the lowest interest rates by pledging property, FDs, or insurance as security. Government banks start from just 7%.
₹1.5 CrMax Amount
7.00%+From Rate
15–20 YrsRepayment
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No property? No problem. Get unsecured loans up to ₹1 Crore based on your academic profile, co-applicant income, and university ranking — no security required.
₹1 CrMax Amount
10.00%+From Rate
Up to 14 YrsRepayment
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Get your loan actually sanctioned — not just in-principle — within 1–2 working days through our fast-track NBFC and private bank partners. Ideal before visa interviews.
1–2 DaysSanction Time
₹1 CrUp to
Zero FeeAdvisory Cost
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Get sanctioned before your university offer letter arrives. Strengthens your visa application and shows universities you are financially ready from day one.
Pre-VisaSanction Timing
1–2 DaysTurnaround
SelectNBFC Partners
Country-specific loan structures, interest rates, and lender recommendations for your exact destination — because every market is different.
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Australia
Education Loan Available
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United Kingdom
Education Loan Available
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Canada
Education Loan Available
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USA
Education Loan Available
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Germany
Education Loan Available
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Ireland
Education Loan Available
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New Zealand
Education Loan Available
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Singapore
Education Loan Available
Transparent rate comparisons across public banks, private banks, and NBFCs — no hidden fees, no pressure selling.
| Lender | Type | Interest Rate | Max Loan | Collateral | Processing Time | Best For |
|---|---|---|---|---|---|---|
| SBI Global Ed-Vantage | Govt. Bank | 7.00–8.50% | ₹1.5 Cr | Required | 10–15 Days | Lowest rate, large collateral · 15–20 yr tenure |
| Bank of Baroda Baroda Scholar | Govt. Bank | 7.50–8.50% | ₹1.5 Cr | Required above ₹7.5L | 10–15 Days | Max amount, 20-yr tenure, lowest EMI |
| Punjab National Bank | Govt. Bank | 7.50–8.50% | ₹1.5 Cr | Required | 10–15 Days | Strong collateral profiles · 15–20 yr tenure |
| ICICI Bank | Private Bank | 8.50–10.00% | ₹1 Cr | Partially Optional | 1–2 Working Days* | Fast sanction, flexibility · up to 14 yr tenure |
| Axis Bank | Private Bank | 8.50–10.00% | ₹75 L | Optional | 1–2 Working Days* | Flexible repayment · up to 14 yr tenure |
| IDFC First Bank | Private Bank | 9.00–10.00% | ₹50 L | Not Required | 1–2 Working Days* | No-collateral private bank · up to 14 yr |
| Avanse Financial | NBFC | 10.00–11.50% | ₹75 L | Not Required | 48 Hours | Collateral-free, quick sanction · 14 yr tenure |
| Credila (HDFC) | NBFC | 10.00–11.50% | ₹75 L | Not Required | 48 Hours | Pre-admission sanction · 14 yr tenure |
| InCred | NBFC | 10.25–11.50% | ₹60 L | Not Required | 48 Hours | Fastest approval, tier-2 cities · 14 yr tenure |
| Auxilo | NBFC | 10.25–11.50% | ₹60 L | Not Required | 48 Hours | STEM & top-ranked universities · 14 yr tenure |
* 1–2 working day sanction for private banks and NBFCs is achieved through our dedicated lender relationships. Government bank timelines of 10–15 days are standard. Rates are indicative and subject to lender discretion based on profile.
Calculate your expected return on investment and break-even timeline before you take a loan. Set your target: most STEM graduates abroad recover their cost in 1–3 years.
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Fill in your details to unlock your personalised return on investment analysis and break-even point.
✅ Expected graduate salary range
✅ Break-even analysis
✅ 10-year savings vs staying in India
✅ ROI verdict: is this worth it?
Your Investment Analysis
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💡 Expert tip: A study abroad degree typically recovers its cost in 1–3 years if you set your target right. Our counsellors help you optimise your ROI further.
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Stop guessing. Our eligibility checker analyses your profile against 15+ lender criteria and tells you your real approval probability — before you even apply.
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Multi-Lender Analysis
Matched against SBI, BoB, PNB, ICICI, Avanse, Credila, InCred, and more simultaneously.
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Instant Result
No waiting. No credit score impact. Know where you stand in under 2 minutes.
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Personalised Recommendation
Get top 3 lenders matched to your specific profile, country, and loan amount.
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Approval Probability
Your profile looks strong for multiple lenders.
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Tell us about your course, country, loan amount, and collateral availability in under 5 minutes.
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Our advisors match your profile with the best lender from our 15+ network for maximum approval and lowest rate.
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We guide you on every document — income proof, property papers, GRE/IELTS scores — step by step.
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Receive your actual sanction letter in as little as 48 hours. Use it for your student visa application.
05
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Loan disbursed directly to your university. You focus on studies — we handle the financial coordination.
StudyAbroadLoan.in is powered by Easy Admissions Study Abroad — a full-service consultancy trusted by 10,000+ students across India for over 12 years. You get more than a loan. You get a complete journey partner.
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★★★★★
“I had no collateral and was rejected by two banks. StudyAbroadLoan.in matched me with Avanse within 3 days. My ₹48L loan was sanctioned before my visa interview — which actually helped with the visa too.”
RS
Rahul Sharma
MS Computer Science · University of Melbourne, Australia
₹48L Sanctioned
★★★★★
“The ROI calculator showed me that my MBA at Warwick would pay for itself in under 4 years. That gave me the confidence to proceed. The team also helped me navigate scholarships alongside my loan.”
PG
Priya Gupta
MBA · Warwick Business School, United Kingdom
₹55L Sanctioned
★★★★★
“From shortlisting universities to getting my SBI loan sanctioned to visa approval — Easy Admissions and StudyAbroadLoan.in handled everything. It’s the most stress-free I’ve been through any process.”
AM
Ankit Meena
M.Eng · University of Toronto, Canada
₹62L via SBI
Can I get an education loan without collateral for studying abroad? +
Yes. NBFCs like Avanse, InCred, Auxilo, and Credila offer unsecured education loans up to ₹1 Crore for study abroad. Eligibility depends on your co-applicant’s income, your academic profile, and the ranking of your destination university. For amounts above ₹75L, partial or full collateral is generally required.
What interest rate should I expect for a study abroad loan? +
Government banks (SBI, BoB, PNB) offer 7.00–8.50% with collateral — the lowest in the market. Private banks (ICICI, Axis, IDFC First) charge 8.50–10.00% with faster processing. NBFCs (Avanse, Credila, InCred, Auxilo) range from 10.00–11.50% with no collateral required. Our advisors help you find the lowest rate for your exact profile.
Does a loan sanction letter help with my student visa application? +
Absolutely. A loan sanction letter from a recognised Indian bank or NBFC is strong proof of financial capability for student visa applications in Australia, UK, Canada, and other countries. We can often get a pre-admission sanction letter from Credila or InCred even before your final university offer.
What is the moratorium period for a study abroad education loan? +
The moratorium period is when you are not required to repay the loan. For study abroad loans, this is typically the course duration plus 6–12 months after graduation. Some lenders charge simple interest during moratorium; others add it to principal. Our advisors compare terms so you know exactly what you owe.
What expenses are covered under a study abroad education loan? +
Most lenders cover tuition fees, hostel/accommodation costs, books and equipment, travel expenses (one-way airfare), and other study-related costs. Some NBFCs also cover laptop costs, health insurance, and visa fees. The exact coverage varies by lender — our advisors will walk you through what each one covers.
Can I get a loan if my co-applicant has low income? +
Low co-applicant income reduces eligibility for unsecured loans. However, with collateral (property or FD), public banks like SBI and Bank of Baroda consider the loan primarily based on the security provided. We also explore guarantor options and secondary co-applicants in such cases.
Which is better — SBI or an NBFC for a study abroad loan? +
If you have collateral and can wait 10–15 days, SBI offers the lowest interest rates and highest amounts (up to ₹1.5Cr). If you need faster processing, have no collateral, or need a pre-admission sanction, NBFCs like Avanse or Credila are better. The right choice depends on your profile and timeline — StudyAbroadLoan.in compares both for you, for free.
Is the study abroad loan consultation completely free? +
Yes. Our loan advisory, eligibility checking, lender comparison, and documentation support are completely free. We earn a referral fee from lenders — you pay nothing. There are no hidden fees at any stage. StudyAbroadLoan.in is India’s only zero-fee education loan advisory platform.
Why choose Easy Admissions Study Abroad for my study abroad journey? +
Easy Admissions Study Abroad (easyadmissions.in) is a full-service consultancy trusted by 10,000+ students across India for 12+ years. With offices across India, they provide end-to-end support — from university shortlisting and applications to visa guidance and scholarships. Combined with StudyAbroadLoan.in, it is the only platform offering admission, loan, and visa under one roof.
How is StudyAbroadLoan.in different from other loan portals? +
Most loan portals only compare rates. StudyAbroadLoan.in is powered by Easy Admissions Study Abroad — so you also get university guidance, visa support, and scholarship assistance alongside your loan. We have dedicated lender relationships that enable actual 1–2 working day sanctions (not just in-principle), and our advisory is 100% free. It is India’s most complete education finance and study abroad platform.
Speak to an education finance specialist within 30 minutes. No obligations, no spam — just honest guidance from India’s most trusted study abroad consultancy.
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