{"id":2995,"date":"2025-04-10T15:19:32","date_gmt":"2025-04-10T09:49:32","guid":{"rendered":"https:\/\/fly.finance\/blog\/?p=2995"},"modified":"2025-08-04T14:15:51","modified_gmt":"2025-08-04T08:45:51","slug":"maximum-education-loan-for-abroad-studies","status":"publish","type":"post","link":"https:\/\/fly.finance\/blog\/education-loan\/maximum-education-loan-for-abroad-studies\/","title":{"rendered":"Maximum Education Loan for Abroad Studies in India (2025 Guide)"},"content":{"rendered":"\n<p>With the rising cost of tuition, living, and travel abroad, several Indian banks and NBFCs now offer maximum education loans for abroad studies, helping students chase their global dreams without financial roadblocks.<\/p>\n\n\n\n<p>In this blog, we\u2019ll take a closer look at the maximum education loan for abroad studies you can get, along with top bank schemes, loan types, interest rates, eligibility criteria, required documents, and more.&nbsp;<\/p>\n\n\n\n<p>Whether you&#8217;re eyeing a master&#8217;s in the USA or a diploma in Europe, this guide will help you understand how to fund your overseas education smoothly and smartly.<\/p>\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2 id=\"table-of-contents\">Table of contents<\/h2><ul><li><a href=\"#h-maximum-education-loan-for-abroad-studies\" data-level=\"2\">Maximum Education Loan for Abroad Studies<\/a><\/li><li><a href=\"#h-top-bank-schemes-with-maximum-education-loan-for-study-abroad\" data-level=\"2\">Top Bank Schemes with Maximum Education Loan for Study Abroad<\/a><ul><li><a href=\"#h-sbi-global-ed-vantage-scheme\" data-level=\"3\">SBI Global Ed-Vantage Scheme<\/a><\/li><li><a href=\"#h-sbi-shaurya-education-loan\" data-level=\"3\">SBI Shaurya Education Loan<\/a><\/li><\/ul><\/li><li><a href=\"#h-maximum-unsecured-education-loan-without-collateral\" data-level=\"2\">Maximum Unsecured Education Loan (Without Collateral)<\/a><\/li><li><a href=\"#h-nbfcs-offering-maximum-education-loan-for-abroad-studies\" data-level=\"2\">NBFCs Offering Maximum Education Loan for Abroad Studies<\/a><\/li><li><a href=\"#h-eligibility-criteria-for-maximum-education-loan\" data-level=\"2\">Eligibility Criteria for Maximum Education Loan<\/a><\/li><li><a href=\"#h-documents-required\" data-level=\"2\">Documents Required<\/a><\/li><li><a href=\"#h-application-process\" data-level=\"2\">Application Process<\/a><\/li><li><a href=\"#h-faqs\" data-level=\"2\">FAQs<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-maximum-education-loan-for-abroad-studies\"><span id=\"maximum-education-loan-for-abroad-studies\">Maximum Education Loan for Abroad Studies<\/span><\/h2>\n\n\n\n<p>Indian students can avail of <strong>secured and unsecured education loans of up to INR 1.5 crore<\/strong> to study abroad.&nbsp;<\/p>\n\n\n\n<p>The final loan amount depends on several factors, such as the applicant\u2019s academic profile, the co-applicant\u2019s financial standing, the university\/course, and the lender\u2019s policies.<\/p>\n\n\n\n<p>Here&#8217;s a quick breakdown of the maximum education loan for abroad studies-<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Type of Education Loan<\/strong><\/td><td><strong>Loan Amount Limit<\/strong><\/td><\/tr><tr><td>Secured Loan (With Collateral)<\/td><td>No upper limit \u2013 Need-based financing<\/td><\/tr><tr><td>Unsecured Loan (Without Collateral)<\/td><td>Up to INR 1 crore (varies by bank)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-top-bank-schemes-with-maximum-education-loan-for-study-abroad\"><span id=\"top-bank-schemes-with-maximum-education-loan-for-study-abroad\">Top Bank Schemes with Maximum Education Loan for Study Abroad<\/span><\/h2>\n\n\n\n<p>When it comes to funding your education overseas, <strong>State Bank of India (SBI)<\/strong> offers some of the most competitive education loan schemes, especially for students seeking high loan amounts.<\/p>\n\n\n\n<p>Two standout options are the <strong>SBI Global Ed-Vantage Scheme<\/strong> and the <strong>SBI Shaurya Education Loan<\/strong>, both offering generous loan limits and borrower-friendly features.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-sbi-global-ed-vantage-scheme\"><span id=\"sbi-global-ed-vantage-scheme\">SBI Global Ed-Vantage Scheme<\/span><\/h3>\n\n\n\n<p><a href=\"https:\/\/fly.finance\/blog\/education-loan\/sbi-global-ed-vantage-education-loan\/\"><strong>SBI Global Ed-Vantage Scheme<\/strong><\/a> is specially crafted for Indian students aspiring to study abroad in reputed universities. This is a <strong>secured loan<\/strong>, which means collateral (like property, FD, or other tangible assets) is required.&nbsp;<\/p>\n\n\n\n<p>Students can avail of a loan ranging from <strong>INR 7.5 lakhs to INR 1.5 crores<\/strong>, making it ideal for expensive courses in countries like the USA, the UK, Canada, Australia, etc, helping them secure maximum education loan for abroad studies.<\/p>\n\n\n\n<p>The interest rate currently stands at <strong>11.15% (EBR: 9.15% + CRP: 2%)<\/strong>, with a <strong>0.50% interest rate concession for female students<\/strong>. Moreover, SBI offers an additional <strong>0.50% rebate<\/strong> if the applicant avails of SBI Life Insurance.<\/p>\n\n\n\n<p>This scheme supports a wide range of courses and comes with flexible repayment options, making it a popular choice for international education financing.<\/p>\n\n\n\n<p>This is one of the most popular education loan schemes for students of Indian nationality planning to study abroad.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Particulars<\/strong><\/td><td><strong>Details<\/strong><\/td><\/tr><tr><td>Loan Type<\/td><td>Secured<\/td><\/tr><tr><td>Loan Amount<\/td><td>INR 7.5 lakhs to INR 1.5 crores<\/td><\/tr><tr><td>Interest Rate<\/td><td>11.15% (EBR: 9.15% + CRP: 2%)<\/td><\/tr><tr><td>Concession for Female Students<\/td><td>0.50% rebate<\/td><\/tr><tr><td>Other Benefits<\/td><td>0.50% rebate for SBI life insurance or SBI Rinn Raksha customers<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-sbi-shaurya-education-loan\"><span id=\"sbi-shaurya-education-loan\">SBI Shaurya Education Loan<\/span><\/h3>\n\n\n\n<p><a href=\"https:\/\/fly.finance\/blog\/education-loan\/sbi-global-ed-vantage-education-loan\/\"><strong>SBI Shaurya Education Loan<\/strong><\/a>, on the other hand, is designed specifically for the <strong>wards of Indian Defence Personnel and Coast Guard<\/strong>. The unique aspect of this scheme is that it supports both <strong>secured and unsecured loans<\/strong>, offering flexibility based on the loan amount and profile.&nbsp;<\/p>\n\n\n\n<p>Like the Ed-Vantage scheme, the loan amount can go up to <strong>INR 1.5 crores<\/strong>, and the interest rate is also <strong>11.15% p.a<\/strong>. It includes the same <strong>0.50% rebate<\/strong> for female students and those with <a href=\"https:\/\/fly.finance\/blog\/education-loan\/sbi-rinn-raksha-for-education-loan\/\"><strong>SBI RiNn Raksha life insurance for education loans<\/strong><\/a>.&nbsp;<\/p>\n\n\n\n<p>The dual option of secured and unsecured funding makes this scheme accessible even for students who may not have strong collateral but meet other eligibility conditions.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Particulars<\/strong><\/td><td><strong>Details<\/strong><\/td><\/tr><tr><td><strong>Loan Type<\/strong><\/td><td>Secured and Unsecured<\/td><\/tr><tr><td><strong>Loan Amount<\/strong><\/td><td>INR 7.5 lakhs to INR 1.5 crores<\/td><\/tr><tr><td><strong>Interest Rate<\/strong><\/td><td>11.15% (EBR + CRP)<\/td><\/tr><tr><td><strong>Concession<\/strong><\/td><td>0.50% rebate for female students and SBI life policyholders<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-maximum-unsecured-education-loan-without-collateral\"><span id=\"maximum-unsecured-education-loan-without-collateral\">Maximum Unsecured Education Loan (Without Collateral)<\/span><\/h2>\n\n\n\n<p>Though RBI guidelines cap unsecured education loans at INR 4 lakhs, several banks go beyond these limits to help students study abroad. Here&#8217;s a list of banks offering the <strong>highest unsecured education loan amounts<\/strong>:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Bank<\/strong><\/td><td><strong>Unsecured Loan Limit<\/strong><\/td><\/tr><tr><td><strong>ICICI Bank<\/strong><\/td><td>Up to INR 1 crore<\/td><\/tr><tr><td><strong>Axis Bank<\/strong><\/td><td>Up to INR 75 lakhs<\/td><\/tr><tr><td><strong>HDFC Bank<\/strong><\/td><td>Up to INR 50 lakhs<\/td><\/tr><tr><td><strong>IDFC First Bank<\/strong><\/td><td>Up to INR 50 lakhs<\/td><\/tr><tr><td><strong>Union Bank of India<\/strong><\/td><td>Up to INR 50 lakhs<\/td><\/tr><tr><td><strong>YES Bank<\/strong><\/td><td>Up to INR 40 lakhs<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>Note: For unsecured loans above INR 7.5 lakhs, strong academic and financial profiles are required.<\/em><\/p>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong>Also Read: <\/strong><a href=\"https:\/\/fly.finance\/blog\/education-loan\/rbi-guidelines-for-education-loan\/\"><strong>RBI Guidelines for Education Loans<\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-nbfcs-offering-maximum-education-loan-for-abroad-studies\"><span id=\"nbfcs-offering-maximum-education-loan-for-abroad-studies\">NBFCs Offering Maximum Education Loan for Abroad Studies<\/span><\/h2>\n\n\n\n<p>While traditional banks are a common choice for education financing, <strong>Non-Banking Financial Companies (NBFCs)<\/strong> have emerged as equally strong, and often more flexible, options, especially for students applying to mid- or lower-ranked universities abroad.&nbsp;<\/p>\n\n\n\n<p>Many NBFCs in India now offer <strong>maximum education loan for abroad studies<\/strong>, going as high as INR 75 lakhs or more, even without collateral.<\/p>\n\n\n\n<p>Here are some top NBFCs that offer high-value education loans for studying abroad:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td>NBFC<\/td><td>Maximum Unsecured Loan Limit<\/td><\/tr><tr><td>Auxilo<\/td><td>Up to INR 75 lakhs<\/td><\/tr><tr><td>Avanse<\/td><td>Up to INR 75 lakhs<\/td><\/tr><tr><td>InCred<\/td><td>Up to INR 65 lakhs<\/td><\/tr><tr><td>Credila<\/td><td>Up to 100% finance, covering tuition fees &amp; ancillary expenses<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Here\u2019s why you should choose <\/strong><a href=\"https:\/\/fly.finance\/blog\/education-loan\/rbi-guidelines-for-education-loan\/\"><strong>NBFCs education loans for abroad studies<\/strong><\/a><strong>&#8211;<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Higher Loan Sanction Without Collateral<\/strong>: Many NBFCs go beyond the typical INR 7.5 lakh limit set by banks for unsecured loans. If you have a strong academic record and a reliable co-applicant, NBFCs can approve maximum education loan for abroad studies without needing property or fixed deposits as security.<br><\/li>\n\n\n\n<li><strong>Flexible Loan Evaluation Criteria<\/strong>: Unlike traditional banks that stick to a rigid list of eligible universities, NBFCs consider a broader range of institutions globally, including many Tier-2 and Tier-3 universities.<br><\/li>\n\n\n\n<li><strong>Customized Loan Offers<\/strong>: NBFCs assess each application individually. That means if your profile shows strong repayment capacity, you can secure the maximum education loan for abroad studies based on your specific course, destination country, and financial background.<br><\/li>\n\n\n\n<li><strong>Faster Loan Processing<\/strong>: The application-to-sanction timeline is often shorter with NBFCs. Many offer <strong>loan approvals within 48-72 hours<\/strong>, making them ideal for last-minute visa or admission requirements.<br><\/li>\n\n\n\n<li><strong>Interest Rate Flexibility<\/strong>: Though interest rates may be slightly higher than public sector banks, NBFCs often provide flexible repayment options, interest rate concessions for timely EMI payments, and even step-up repayment plans once the student starts earning.<\/li>\n<\/ul>\n\n\n\n<p><strong>Note<\/strong>: NBFCs generally require strong financial and academic backgrounds for unsecured loans above INR 25-30 lakhs. It&#8217;s best to apply early, compare offers, and check if your university is on their pre-approved list for maximum education loan for abroad studies and faster disbursal.<\/p>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong>Also Read: <\/strong><a href=\"https:\/\/fly.finance\/blog\/education-loan\/nbfc-ombudsman-scheme-for-education-loans\/\"><strong>NBFC Ombudsman Scheme for Education Loans<\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-eligibility-criteria-for-maximum-education-loan\"><span id=\"eligibility-criteria-for-maximum-education-loan\">Eligibility Criteria for Maximum Education Loan<\/span><\/h2>\n\n\n\n<p>Before you apply for a high-value education loan to study abroad, it\u2019s essential to understand the basic eligibility requirements.&nbsp;<\/p>\n\n\n\n<p>Banks and NBFCs (Non-Banking Financial Companies) evaluate your application based on a few key factors to determine whether you qualify for a large loan amount. Here\u2019s what you need to qualify:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Applicant must be an <strong>Indian citizen<\/strong>, NRI, OCI, or PIO<\/li>\n\n\n\n<li>Minimum <strong>18 years of age<\/strong><\/li>\n\n\n\n<li>Secured admission to a recognized <strong>foreign university\/course<\/strong><\/li>\n\n\n\n<li>Must have a <strong>co-applicant (parent\/guardian)<\/strong><\/li>\n\n\n\n<li>For loans above INR 7.5 lakhs, <strong>collateral is required<\/strong> (in most cases)<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-documents-required\"><span id=\"documents-required\">Documents Required<\/span><\/h2>\n\n\n\n<p>Submitting the right set of documents is one of the most critical steps when applying for an education loan, especially for a maximum education loan for abroad studies. These documents help lenders verify your identity, academic background, admission status, financial capability, and, if applicable, the collateral property.&nbsp;<\/p>\n\n\n\n<p>To make the process quicker and hassle-free, have these essential documents ready:<\/p>\n\n\n\n<p><strong>KYC Documents<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Aadhar Card \/ PAN Card \/ Driving Licence<\/li>\n<\/ul>\n\n\n\n<p><strong>Address Proof<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Passport \/ Voter ID \/ Utility Bill \/ Rent Agreement<\/li>\n<\/ul>\n\n\n\n<p><strong>Academic Records<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>10th, 12th, UG mark sheets &amp; degree certificates<\/li>\n\n\n\n<li>Admission\/Offer Letter<\/li>\n\n\n\n<li>Exam scores: GRE, GMAT, IELTS, TOEFL, PTE, etc.<\/li>\n<\/ul>\n\n\n\n<p><strong>Financial Documents<\/strong><\/p>\n\n\n\n<p><em>For Salaried Co-applicants:<\/em><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Salary slips (last 3 months)<\/li>\n\n\n\n<li>ITR\/Form 16 (last 2 years)<\/li>\n\n\n\n<li>Bank statements (6 months)<\/li>\n<\/ul>\n\n\n\n<p><em>For Self-Employed Co-applicants:<\/em><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Business address proof<\/li>\n\n\n\n<li>ITR\/Form 16A (last 2-3 years)<\/li>\n\n\n\n<li>Bank statements (6 months)<\/li>\n<\/ul>\n\n\n\n<p><strong>Collateral Documents (for Secured Loans)<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Property sale deed\/title deed<\/li>\n\n\n\n<li>Chain of ownership (last 30 years)<\/li>\n\n\n\n<li>Government-approved property plan<\/li>\n\n\n\n<li>Latest electricity\/property tax bill<\/li>\n\n\n\n<li>Completion certificate (for constructed properties)<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-application-process\"><span id=\"application-process\">Application Process<\/span><\/h2>\n\n\n\n<p>Once you&#8217;re eligible and have gathered all the necessary documents, the next step is to apply for the maximum education loan for abroad studies.<\/p>\n\n\n\n<p>Whether you&#8217;re going through a public sector bank like SBI, PNB, Canara, etc or using a government-supported platform like the Vidya Lakshmi Portal, understanding the step-by-step application process can help you avoid delays and mistakes.<\/p>\n\n\n\n<p>Here\u2019s how to apply for the maximum study abroad loan seamlessly:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Visit the <strong>bank\u2019s official website<\/strong> or <strong>Vidya Lakshmi Portal<\/strong><\/li>\n\n\n\n<li>Check eligibility and <strong>download the application form<\/strong><\/li>\n\n\n\n<li>Fill in the form and <strong>upload the required documents<\/strong><\/li>\n\n\n\n<li>Visit the nearest <strong>bank<\/strong> <strong>branch<\/strong> with a copy of your documents<\/li>\n\n\n\n<li>Get your <strong>collateral evaluated<\/strong> (for secured loans)<\/li>\n\n\n\n<li>Submit the <strong>valuation certificate<\/strong><\/li>\n\n\n\n<li>After document verification, the <strong>loan will be sanctioned<\/strong><\/li>\n<\/ol>\n\n\n\n<p>To sum up, getting the maximum education loan for abroad studies is easier than ever, thanks to various public and private banks offering flexible loan options tailored to your academic journey.<\/p>\n\n\n\n<p>Always compare different lenders, check the interest rates, and go through the fine print before applying. With the right planning, your dream of studying abroad can turn into a reality without financial worries!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs\"><span id=\"faqs\">FAQs<\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1744278364630\"><strong class=\"schema-faq-question\">What is the maximum education loan for abroad studies?<\/strong> <p class=\"schema-faq-answer\">Indian students can avail up to INR 1.5 crore through secured loans and up to INR 1 crore (or more) through unsecured loans depending on the lender. The final amount depends on your academic profile, university, and co-applicant\u2019s financials.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1744278365950\"><strong class=\"schema-faq-question\">Can I get a 100% education loan for tuition and living expenses?<\/strong> <p class=\"schema-faq-answer\">Yes, many banks and NBFCs offer 100% financing that covers tuition fees, living expenses, travel, insurance, and even device or laptop costs\u2014especially under secured loan schemes.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1744278366444\"><strong class=\"schema-faq-question\">Can I get a high-value education loan without collateral?<\/strong> <p class=\"schema-faq-answer\">Yes. Several lenders like ICICI Bank, Axis Bank, Auxilo, and Avanse offer unsecured education loans up to INR 75 lakhs or more for eligible students with strong academic and financial profiles.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1744278367354\"><strong class=\"schema-faq-question\">Which banks offer the highest education loan amount for abroad studies?<\/strong> <p class=\"schema-faq-answer\">Public sector banks like SBI (up to INR 1.5 crore) and private banks like ICICI Bank and Axis Bank (up to INR 1 crore) offer high loan amounts. SBI\u2019s Global Ed-Vantage scheme is particularly popular for secured loans.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1744278368023\"><strong class=\"schema-faq-question\">Which NBFCs offer the highest unsecured education loans?<\/strong> <p class=\"schema-faq-answer\">NBFCs like Auxilo, Avanse, InCred, and Credila offer unsecured education loans up to INR 75 lakhs, depending on your profile, university, and course.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1744278418214\"><strong class=\"schema-faq-question\">Is it better to take an education loan from a bank or an NBFC?<\/strong> <p class=\"schema-faq-answer\">Banks generally offer lower interest rates but stricter eligibility, while NBFCs are more flexible and faster in processing, especially for Tier-2\/Tier-3 universities or non-collateral cases.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1744278420393\"><strong class=\"schema-faq-question\">What is the interest rate for maximum education loans for abroad studies?<\/strong> <p class=\"schema-faq-answer\">Interest rates vary between 10% to 14% depending on the lender and whether the loan is secured or unsecured. Public sector banks often offer better rates and rebates for female students or insurance tie-ins.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1744278420847\"><strong class=\"schema-faq-question\">What are the documents required for high-value education loans?<\/strong> <p class=\"schema-faq-answer\">Key documents include:<br\/>&#8211; KYC of student &amp; co-applicant<br\/>&#8211; Admission\/offer letter<br\/>&#8211; Academic transcripts<br\/>&#8211; Income proofs (salary slips, ITR)<br\/>&#8211; Property documents (for secured loans)<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1744278421315\"><strong class=\"schema-faq-question\">Do I need a co-applicant or guarantor for maximum education loans?<\/strong> <p class=\"schema-faq-answer\">Yes. Most lenders require a co-applicant (usually a parent or guardian) for both secured and unsecured loans. A guarantor may also be needed in some cases.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1744278421993\"><strong class=\"schema-faq-question\">How long does it take to get approval for a high-value education loan?<\/strong> <p class=\"schema-faq-answer\">It typically takes 7\u201315 working days for banks and 2\u20135 days for NBFCs, provided all documents are in place. Collateral verification may take additional time.<\/p> <\/div> <\/div>\n\n\n\n<p><strong>Need help choosing the right education loan? Talk to our experts at Fly Finance and get personalized assistance\u2014for free!<\/strong><\/p>\n\n\n\n<p>To learn more about<strong> <\/strong>the best<strong> <\/strong><a href=\"https:\/\/fly.finance\/loans\"><strong>education loans<\/strong><\/a><strong>, <\/strong><a href=\"https:\/\/fly.finance\/international-bank-account\"><strong>bank accounts for students<\/strong><\/a>, <a href=\"https:\/\/fly.finance\/forex\"><strong>forex,<\/strong><\/a> banking experience for global students, or international money transfers, reach out to our experts at 1800572126 to help ease your experience with studying abroad.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-pale-ocean-gradient-background has-background has-fixed-layout\"><tbody><tr><td colspan=\"2\"><strong>Additional Reads<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/question-answer\/how-does-an-education-loan-work\/\"><strong>How does an education loan work?<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/question-answer\/how-to-get-an-education-loan-to-study-abroad\/\"><strong>How to take an education loan to study abroad?<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/question-answer\/what-is-the-education-loan-interest-rate\/\"><strong>What is an education loan interest rate?<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/question-answer\/how-much-education-loan-can-i-get\/\"><strong>How much education loan can I get?<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/question-answer\/how-to-apply-for-education-loan-in-sbi\/\"><strong>How to apply for an education loan in SBI?<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/question-answer\/what-is-overdue-amount-in-education-loan\/\"><strong>What is an overdue amount on an education loan?<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/question-answer\/does-education-loan-cover-living-expenses-in-india\/\"><strong>Does an education loan cover living expenses in India?<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/question-answer\/how-much-education-loan-can-i-get-without-collateral\/\"><strong>How much education loan can I get without collateral?<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/question-answer\/can-i-get-eduation-loan-to-study-abroad-without-collateral\/\"><strong>Can I get an education loan to study abroad without collateral?<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/question-answer\/which-bank-has-the-lowest-interest-rates-on-education-loan\/\"><strong>Which bank has the lowest interest rate on education loans?<\/strong><\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Follow Us on Social Media <\/strong><\/p>\n\n\n\n<ul class=\"wp-block-social-links is-layout-flex 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c0-0.855,0.691-1.548,1.549-1.548c0.854,0,1.547,0.694,1.547,1.548C8.551,7.881,7.858,8.574,7.004,8.574z M18.339,18.338h-2.669 v-4.177c0-0.996-0.017-2.278-1.387-2.278c-1.389,0-1.601,1.086-1.601,2.206v4.249h-2.667v-8.59h2.559v1.174h0.037 c0.356-0.675,1.227-1.387,2.526-1.387c2.703,0,3.203,1.779,3.203,4.092V18.338z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">LinkedIn<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-twitter  wp-block-social-link\"><a href=\"https:\/\/twitter.com\/flydotfinance\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M22.23,5.924c-0.736,0.326-1.527,0.547-2.357,0.646c0.847-0.508,1.498-1.312,1.804-2.27 c-0.793,0.47-1.671,0.812-2.606,0.996C18.324,4.498,17.257,4,16.077,4c-2.266,0-4.103,1.837-4.103,4.103 c0,0.322,0.036,0.635,0.106,0.935C8.67,8.867,5.647,7.234,3.623,4.751C3.27,5.357,3.067,6.062,3.067,6.814 c0,1.424,0.724,2.679,1.825,3.415c-0.673-0.021-1.305-0.206-1.859-0.513c0,0.017,0,0.034,0,0.052c0,1.988,1.414,3.647,3.292,4.023 c-0.344,0.094-0.707,0.144-1.081,0.144c-0.264,0-0.521-0.026-0.772-0.074c0.522,1.63,2.038,2.816,3.833,2.85 c-1.404,1.1-3.174,1.756-5.096,1.756c-0.331,0-0.658-0.019-0.979-0.057c1.816,1.164,3.973,1.843,6.29,1.843 c7.547,0,11.675-6.252,11.675-11.675c0-0.178-0.004-0.355-0.012-0.531C20.985,7.47,21.68,6.747,22.23,5.924z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Twitter<\/span><\/a><\/li><\/ul>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>With the rising cost of tuition, living, and travel abroad, several Indian banks and NBFCs now offer maximum education loans for abroad studies, helping students chase their global dreams without financial roadblocks. In this blog, we\u2019ll take a closer look at the maximum education loan for abroad studies you can get, along with top bank &#8230; <a title=\"Maximum Education Loan for Abroad Studies in India (2025 Guide)\" class=\"read-more\" href=\"https:\/\/fly.finance\/blog\/education-loan\/maximum-education-loan-for-abroad-studies\/\" aria-label=\"Read more about Maximum Education Loan for Abroad Studies in India (2025 Guide)\">Read more<\/a><\/p>\n","protected":false},"author":29,"featured_media":19237,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21],"tags":[],"class_list":["post-2995","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-education-loan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Maximum Education Loan for Abroad Studies in India (2025 Guide)<\/title>\n<meta name=\"description\" content=\"Looking to fund your overseas education? Discover the maximum education loan limits for abroad studies, top bank &amp; NBFC schemes, eligibility, and more.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fly.finance\/blog\/education-loan\/maximum-education-loan-for-abroad-studies\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Maximum Education Loan for Abroad Studies in India (2025 Guide)\" \/>\n<meta property=\"og:description\" content=\"Looking to fund your overseas education? 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I'm Shubhika- a proud graduate in English Literature and Language from Delhi University. My journey as a content writer transitioned from online teacher into the world of words. Stepping into the domain of blogs and articles, I discovered my passion for writing growing deeper and stronger. Having said that, I have experience of writing for diverse industries in automobile, technology, ed-tech, finance and mental-health; crafting details to help you find the solution to what you are looking for. Join me as I invite you all explore and learn together.","sameAs":["https:\/\/www.facebook.com\/shubhika.garg\/","https:\/\/www.instagram.com\/shubhika.garg\/","https:\/\/www.linkedin.com\/in\/shubhikagarg71\/","https:\/\/www.tumblr.com\/blog\/shubhikahere"],"url":"https:\/\/fly.finance\/blog\/author\/shubhika\/"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/maximum-education-loan-for-abroad-studies\/#faq-question-1744278364630","position":1,"url":"https:\/\/fly.finance\/blog\/education-loan\/maximum-education-loan-for-abroad-studies\/#faq-question-1744278364630","name":"What is the maximum education loan for abroad studies?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Indian students can avail up to INR 1.5 crore through secured loans and up to INR 1 crore (or more) through unsecured loans depending on the lender. The final amount depends on your academic profile, university, and co-applicant\u2019s financials.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/maximum-education-loan-for-abroad-studies\/#faq-question-1744278365950","position":2,"url":"https:\/\/fly.finance\/blog\/education-loan\/maximum-education-loan-for-abroad-studies\/#faq-question-1744278365950","name":"Can I get a 100% education loan for tuition and living expenses?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes, many banks and NBFCs offer 100% financing that covers tuition fees, living expenses, travel, insurance, and even device or laptop costs\u2014especially under secured loan schemes.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/maximum-education-loan-for-abroad-studies\/#faq-question-1744278366444","position":3,"url":"https:\/\/fly.finance\/blog\/education-loan\/maximum-education-loan-for-abroad-studies\/#faq-question-1744278366444","name":"Can I get a high-value education loan without collateral?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes. Several lenders like ICICI Bank, Axis Bank, Auxilo, and Avanse offer unsecured education loans up to INR 75 lakhs or more for eligible students with strong academic and financial profiles.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/maximum-education-loan-for-abroad-studies\/#faq-question-1744278367354","position":4,"url":"https:\/\/fly.finance\/blog\/education-loan\/maximum-education-loan-for-abroad-studies\/#faq-question-1744278367354","name":"Which banks offer the highest education loan amount for abroad studies?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Public sector banks like SBI (up to INR 1.5 crore) and private banks like ICICI Bank and Axis Bank (up to INR 1 crore) offer high loan amounts. SBI\u2019s Global Ed-Vantage scheme is particularly popular for secured loans.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/maximum-education-loan-for-abroad-studies\/#faq-question-1744278368023","position":5,"url":"https:\/\/fly.finance\/blog\/education-loan\/maximum-education-loan-for-abroad-studies\/#faq-question-1744278368023","name":"Which NBFCs offer the highest unsecured education loans?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"NBFCs like Auxilo, Avanse, InCred, and Credila offer unsecured education loans up to INR 75 lakhs, depending on your profile, university, and course.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/maximum-education-loan-for-abroad-studies\/#faq-question-1744278418214","position":6,"url":"https:\/\/fly.finance\/blog\/education-loan\/maximum-education-loan-for-abroad-studies\/#faq-question-1744278418214","name":"Is it better to take an education loan from a bank or an NBFC?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Banks generally offer lower interest rates but stricter eligibility, while NBFCs are more flexible and faster in processing, especially for Tier-2\/Tier-3 universities or non-collateral cases.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/maximum-education-loan-for-abroad-studies\/#faq-question-1744278420393","position":7,"url":"https:\/\/fly.finance\/blog\/education-loan\/maximum-education-loan-for-abroad-studies\/#faq-question-1744278420393","name":"What is the interest rate for maximum education loans for abroad studies?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Interest rates vary between 10% to 14% depending on the lender and whether the loan is secured or unsecured. Public sector banks often offer better rates and rebates for female students or insurance tie-ins.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/maximum-education-loan-for-abroad-studies\/#faq-question-1744278420847","position":8,"url":"https:\/\/fly.finance\/blog\/education-loan\/maximum-education-loan-for-abroad-studies\/#faq-question-1744278420847","name":"What are the documents required for high-value education loans?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Key documents include:<br\/>- KYC of student &amp; co-applicant<br\/>- Admission\/offer letter<br\/>- Academic transcripts<br\/>- Income proofs (salary slips, ITR)<br\/>- Property documents (for secured loans)","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/maximum-education-loan-for-abroad-studies\/#faq-question-1744278421315","position":9,"url":"https:\/\/fly.finance\/blog\/education-loan\/maximum-education-loan-for-abroad-studies\/#faq-question-1744278421315","name":"Do I need a co-applicant or guarantor for maximum education loans?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes. Most lenders require a co-applicant (usually a parent or guardian) for both secured and unsecured loans. A guarantor may also be needed in some cases.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/maximum-education-loan-for-abroad-studies\/#faq-question-1744278421993","position":10,"url":"https:\/\/fly.finance\/blog\/education-loan\/maximum-education-loan-for-abroad-studies\/#faq-question-1744278421993","name":"How long does it take to get approval for a high-value education loan?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"It typically takes 7\u201315 working days for banks and 2\u20135 days for NBFCs, provided all documents are in place. Collateral verification may take additional time.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/2995","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/users\/29"}],"replies":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/comments?post=2995"}],"version-history":[{"count":6,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/2995\/revisions"}],"predecessor-version":[{"id":20561,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/2995\/revisions\/20561"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/media\/19237"}],"wp:attachment":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/media?parent=2995"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/categories?post=2995"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/tags?post=2995"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}