Tools›Loan Eligibility
Free Tool

Education Loan
Eligibility Checker

Fill your profile below — we'll check all 8 banks and NBFCs and show you who will lend, how much, at what rate, and your exact monthly EMI.

Your Profile
Fill all fields for accurate results
Academic Profile
₹ 20 Lakhs
₹ 5L₹ 75L
65 %
40%95%
Financial Profile
₹ 6 LPA
₹ 1L₹ 40L+
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Fill the form and click "Check My Eligibility"
We'll show your results for all 8 banks and NBFCs instantly.
All Banks & NBFCs — Quick Reference
Education loans for study abroad · India 2025
Bank / NBFC Type Max Loan Interest Rate Collateral Moratorium Processing Fee
SBI Global Ed-VantagePSU Bank₹1.5 Crore10.15%–11.15%Required above ₹7.5LCourse + 12 monthsNil
PNB UdaanPSU Bank₹1 Crore10.40%–11.50%Required above ₹7.5LCourse + 12 monthsNil
HDFC CredilaNBFCNo upper limit11%–13.5%FlexibleCourse + 12 months0.5%–1%
Axis BankPrivate Bank₹75 Lakhs11.5%–13.5%Above ₹40LCourse + 12 months1%–2%
ICICI BankPrivate Bank₹1 Crore11%–13%Above ₹40LCourse + 12 months1%–2%
Avanse FinancialNBFCNo upper limit11%–14%Not requiredCourse + 12 months1%–2%
Auxilo FinserveNBFC₹65 Lakhs11%–14.5%Not requiredCourse + 6 months1%–2%
InCred FinanceNBFC₹60 Lakhs12%–15%Not requiredCourse + 6 months1%–2%
Tips to Improve Eligibility
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Get your admission letter first
Banks require a confirmed admission letter. Amity Online pathway students can use the Amity enrollment confirmation to start the loan process early.
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Collateral unlocks better rates
Offering property or fixed deposits reduces interest by 1–2% and significantly increases approved loan amounts at SBI and PNB.
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Co-applicant income is critical
Higher income, stable employment (government preferred), and a clean CIBIL score above 700 dramatically improves approval odds at all lenders.
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Apply to NBFCs if banks decline
Avanse, Auxilo and InCred have more flexible eligibility than PSU banks and disburse in 7–15 days vs 30–45 days for SBI.
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Ranked university = higher loan
Banks look at institution ranking. Amity's partners — Rennes, Munich BS, Drexel, Clark — are QS-ranked, which improves approval at all lenders.
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Check your CIBIL score first
A co-applicant CIBIL score above 700 is strongly recommended. Check free via CIBIL.com or BankBazaar before applying.