Study Abroad Loans—Fast Sanction, Fair Rates, Zero TCS*

Secure up to ₹3 crore for tuition & living. Collateral and non-collateral options. Country specialists for the US/UK/EU. Get an indicative offer in 60 seconds.

*TCS is 0% when remitting via an education loan from a specified institution (as per Budget 2025 rules). Conditions apply.

RBI-registered NBFC & Banking partners

8.30%–14.5% typical rates

0% TCS on loan-funded remittances*

Fast 48-72 hr approvals

Why Choose Us?

💰

Lower Total Cost

Competitive interest rates starting from 8.30% + NIL TCS on loan-funded remittances* means significant savings on your education abroad.

⚡

Faster Sanction

Get pre-screen results in 60 seconds. Complete files typically get sanctioned within 48-72 hours. No more waiting weeks for approval.

🌍

Country Specialists

Dedicated experts for US/UK/EU programs who understand visa requirements, university acceptance patterns, and optimal documentation.

Transparent Rates & Fees

Product Type	Typical ROI (APR)	Processing Fee	Tenure	Moratorium
Secured (Public Bank)	8.30%–10.75%	0.5%–1%	Up to 15 yrs	Course + 6–12 mo
Unsecured (NBFC)	10.75%–14.5%	1%–2%	Up to 10 yrs	Course + 6–12 mo

Representative Example: Borrow ₹40,00,000 at 11.75% APR for 10 years: EMI ≈ ₹56,000; total interest ≈ ₹27,20,000; total cost ≈ ₹67,20,000 + fees/taxes. (Illustrative. Actual rates depend on profile, collateral, and lender policy.)

Simple 4-Step Process

Apply Online

Fill the 2-minute form. Get instant pre-screen results.

Get Doc Checklist

Receive a country-specific document checklist via WhatsApp.

Sanction & Forex

Fast sanction (48-72 hrs) with clear Key Facts Statement.

Fee Payment

Remit tuition via loan (0% TCS*). Start your journey!

Frequently Asked Questions

Am I eligible without collateral?

Yes! We offer both secured and unsecured loan options. Unsecured loans are available up to ₹50 lakhs depending on your profile, co-applicant income, university ranking, and course. Interest rates are higher for unsecured loans (typically 10.75%–14.5%).

What's the typical interest rate and APR?

Secured loans: 8.30%–10.75% APR. Unsecured loans: 10.75%–14.5% APR. Your exact rate depends on your profile, collateral, lender, and loan amount. Processing fees range from 0.5%–2%.

How fast can I get sanctioned?

You'll get a pre-screen result in 60 seconds after submitting the form. For complete applications with all required documents, typical sanction time is 48-72 hours. Some cases may take longer depending on documentation and lender underwriting.

What documents are required?

Student: Offer letter, passport, academic transcripts, test scores (GRE/GMAT/IELTS/TOEFL). Co-applicant: KYC documents, ITR/Form 16, salary slips, bank statements. Collateral (if secured): Property papers, valuation report. We provide a detailed country-specific checklist after you apply.

How does TCS work for tuition remittance?

As per Budget 2025, TCS is 0% when education fees are remitted using an education loan from a specified financial institution. For self-funded remittances under LRS, TCS is 0% up to ₹10 lakhs and 5% on amounts above ₹10 lakhs. Loan-funded remittances attract NIL TCS regardless of amount.

Do you finance living expenses & health insurance?

Yes! Our education loans cover tuition fees, living expenses, travel costs, health insurance, and other education-related expenses. The exact coverage depends on your lender and loan amount.

What if my visa is delayed or denied?

Loan sanctions typically remain valid for 6-12 months. If your visa is delayed, you can defer the disbursement. In case of visa rejection, most lenders allow you to cancel the loan without penalty (before disbursement). Specific policies vary by lender—details are in the Key Facts Statement.