{"id":5191,"date":"2023-06-15T12:42:36","date_gmt":"2023-06-15T07:12:36","guid":{"rendered":"https:\/\/fly.finance\/blog\/?p=5191"},"modified":"2025-08-05T17:04:51","modified_gmt":"2025-08-05T11:34:51","slug":"education-loan-for-btech-students-to-study-abroad","status":"publish","type":"post","link":"https:\/\/fly.finance\/blog\/education-loan\/education-loan-for-btech-students-to-study-abroad\/","title":{"rendered":"Education Loan for BTech Students to Study Abroad"},"content":{"rendered":"\n<p>In recent times, there has been a significant increase in the number of Indian students opting to <strong><a href=\"https:\/\/leverageedu.com\/\">study abroad<\/a><\/strong> and pursue BTech degrees. The reasons for this trend are many, including the desire for exposure to global education standards, better job prospects, and the opportunity to gain international experience. <\/p>\n\n\n\n<p>But there can be a major hindrance that comes in between their lifelong study abroad dream is the financial crunch, because studying abroad sometimes can be expensive. That\u2019s where education loans come to help needy students with some financial aid. Today\u2019s blog is all about education loans for B.Tech students. Continue reading to get more insights related to this.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-types-of-education-loans\"><span id=\"types-of-education-loans\">Types of Education Loans<\/span><\/h2>\n\n\n\n<p>Before we move into education loans for B.Tech students to study abroad, it\u2019s important to know about the types of education loans. Education loans can be classified into two types, and they are as follows:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Secured Loans- <\/strong>&nbsp;These are loans that require collateral security, such as property, fixed deposits, or any kind of asset. This is required just for assurance and to reduce the chances of defaulting on the loan provided by the bank. Secured loans usually have lower interest rates and higher loan amounts than unsecured loans.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Unsecured Loans<\/strong>&#8211; These are loans without collateral<strong> <\/strong>security, which are hard to get approved as there are various factors involved, like your credit history or creditworthiness, and source of income, to get an unsecured loan approved. Unsecured loans usually have higher interest rates and lower loan amounts than secured loans.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\">Must Read<strong>&#8211; <a href=\"https:\/\/fly.finance\/blog\/education-loan\/documents-required-for-education-loan\/\">Documents Required for Education Loan<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-benefits-of-an-education-loan\"><span id=\"benefits-of-an-education-loan\">Benefits of an Education Loan<\/span><\/h2>\n\n\n\n<p>Although loans can be a financial burden if not opted for without the right knowledge, education loans can be a lifesaver for many aspiring students who want to study abroad. Here are some of its benefits:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Education loan helps you fulfil your academic aspirations without worrying about the finances and compromising on the quality of education.<\/li>\n\n\n\n<li>It covers various expenses related to your studies abroad, such as tuition fees, living expenses, travel costs, accommodations, etc.<\/li>\n\n\n\n<li>It offers flexible repayment options, such as <strong><a href=\"https:\/\/fly.finance\/blog\/education-loan\/what-is-moratorium-period-and-how-does-it-work\/\">moratorium period<\/a><\/strong>, <strong><a href=\"https:\/\/fly.finance\/blog\/education-loan\/education-loan-emi-calculator\/\">EMI<\/a><\/strong>, prepayment, etc.<\/li>\n\n\n\n<li>You can enjoy tax benefits under section 80E of the Income Tax Act when opting for Education Loan (Tax Reduction)<\/li>\n\n\n\n<li>Lastly, It enhances your credit score<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-top-education-loan-for-btech\"><span id=\"top-education-loan-for-btech\">Top Education loan for BTech<\/span><\/h2>\n\n\n\n<p>Here is a top education loan for BTech list, this will help you to compare some of the best education loans and choose the right one according to your desire. Just to be on the safer side this is in no way any kind of financial advice, always consult with your financial expert before proceeding with anything related to finance:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-background\" style=\"background:linear-gradient(135deg,rgb(255,245,203) 0%,rgb(231,234,232) 50%,rgb(200,250,255) 100%)\"><tbody><tr><td><strong>Provider\/ Bank<\/strong><\/td><td><strong>Interest Rate<\/strong><\/td><td><strong>Loan Amount&nbsp;<\/strong><\/td><td><strong>Processing Fee<\/strong><\/td><td><strong>Margin<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/leverageedu.com\/learn\/sbi-global-edvantage-education-loan-scheme-for-abroad-study\/\"><strong>SBI Global Ed-Vantage<\/strong><\/a><\/td><td>9.15% to 11.15%<\/td><td>Up to INR 1.5 Crore<\/td><td>Up to INR. 10,000<\/td><td>10%<\/td><\/tr><tr><td>Credila<\/td><td>9.75% p.a. onwards<\/td><td>Loan amount up to 100% finance, covering tuition fees &amp; ancillary expenses<\/td><td>Maximum up to 1.25%* + GST of the loan amount<\/td><td>100% funding for the cost of education<\/td><\/tr><tr><td>PNB Saraswati&nbsp;<\/td><td>9.00% per annum<\/td><td>INR 7.50 Lakh<\/td><td>Nil<\/td><td>Up to INR 4 Lakhs (100% funding), Above INR 4 Lakhs (5%)<\/td><\/tr><tr><td>Axis Bank<\/td><td>9.99% to 16 % per annum<\/td><td>Up to INR 75 Lakh<\/td><td>2% of the loan amount, plus applicable GST<\/td><td>5% to 15%<\/td><\/tr><tr><td>Avanse&nbsp;<\/td><td>10% to 16.5%&nbsp;<\/td><td>Up to INR 40 Lakh<\/td><td>Up to 2%<\/td><td>Nil<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-additional-details-of-education-loans\"><span id=\"additional-details-of-education-loans\"><strong>Additional Details of Education Loans\u00a0<\/strong><\/span><\/h3>\n\n\n\n<p>Here are some additional details of these loans, this will help you to understand all the details, these are some of the highlighting benefits, so take a look at them below:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>SBI Global Ed-Vantage<\/strong>&#8211; This provides you with flexible repayment options over 15 years which is basically the tenure. Interest rate ranges from 7.45% to 10.75% depending on the loan amount.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Credila Education Loan<\/strong>&#8211;<strong> <\/strong>Credila is a subsidiary of<strong> <\/strong>HDFC Bank that provides loan amount up to 100% finance, covering tuition fees &amp; ancillary expenses with collateral required and offers customized repayment plans based on a student\u2019s career plans.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Axis Bank Education Loan- <\/strong>The highlighting benefits of this education loan for BTech is that Axis Bank offers you flexible repayment of up to 20 Years tenure with 0 processing fee<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Avanse Education Loan- <\/strong>Avanse provides you with an education loan for BTech without any collateral and a 0 per cent margin. Additionally, you can access the funds from your loan amount for living expenses, accommodations, etc.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>PNB Saraswati<\/strong>&#8211; The only benefit that you get with this loan provider is that there is 0 processing fee.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-eligibility-criteria\"><span id=\"eligibility-criteria\">Eligibility Criteria<\/span><\/h2>\n\n\n\n<p>Here are the basic eligibility criteria, that you need to fulfil in order to get an education for BTech, have a look at them below:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You must be a citizen of India and have supporting documents as proof.<\/li>\n\n\n\n<li>If you don\u2019t have a credit history, you will need a collateral asset or a co-signer to support your loan application. (This varies depending on the provider or bank)<\/li>\n\n\n\n<li>You must provide an estimate of your study abroad expense in a documental format<\/li>\n\n\n\n<li>You need to have proper residential proof like Adhaar Card or Driving Licence<\/li>\n\n\n\n<li>You need to be creditworthy and have not defaulted on any prior loan<\/li>\n\n\n\n<li>An active bank account in the name of the borrower is also necessary<\/li>\n<\/ul>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\">Must Read: <strong><a href=\"https:\/\/fly.finance\/blog\/education-loan\/co-applicant-in-education-loan\/\">Everything to Know about a Co-Applicant&#8217;s Role in Education Loan!<\/a><\/strong><\/p>\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>The following documents are required when applying for an education loan for BTech:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Identity proof such as passport, Aadhaar card, PAN card, etc<\/li>\n\n\n\n<li>Address proof like utility bills or rent agreement<\/li>\n\n\n\n<li>Academic records such as mark sheets, certificates, transcripts<\/li>\n\n\n\n<li><a href=\"https:\/\/leverageedu.com\/blog\/type-of-offer-letters\/\"><strong>Offer Letter<\/strong> <\/a>of the Foreign University&nbsp;<\/li>\n\n\n\n<li>Bank statements for the last six months<\/li>\n<\/ul>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\">Also, Read- <strong><a href=\"https:\/\/fly.finance\/blog\/education-loan\/education-loan-for-professional-courses-in-india\/\">Education Loan for Professional Courses in India for Studying Abroad<\/a><\/strong><\/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-1686290456620\"><strong class=\"schema-faq-question\"><strong>How can I apply for an Education Loan for BTech?<\/strong><\/strong> <p class=\"schema-faq-answer\">There are many online ways to apply for education loans if you have a good credit history, you will simply need to:<br\/>Head over to the official website of the provider<br\/>Search for Education loan to study abroad, read the terms and conditions\u00a0<br\/>Click on \u201cApply\u201d and fill out the form where they will ask for all the necessary documents and personal details\u00a0<br\/>You need to complete your e-KYC and check for approval<br\/>But, if you do not have a credit history you will need to visit your nearest branch of the bank to apply for an education loan.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1686290480339\"><strong class=\"schema-faq-question\"><strong>Is GRE, GMAT and other test scores necessary while applying for an education loan?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes, some lenders may demand these standardized test scores like GRE, GMAT, etc as you will be applying for an education loan for BTech.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1686290500161\"><strong class=\"schema-faq-question\"><strong>What are the factors that affect the interest rate of education loans?<\/strong><\/strong> <p class=\"schema-faq-answer\">The interest rate of an education loan depends on various factors such as the type of loan, the loan amount, the <strong><a href=\"https:\/\/fly.finance\/blog\/education-loan\/collateral-security\/\">collateral security,<\/a><\/strong> the co-applicant credit score, the country and college of your choice, etc.<\/p> <\/div> <\/div>\n\n\n\n<p><strong>Additional Blogs<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-background has-fixed-layout\" style=\"background:linear-gradient(135deg,rgb(255,245,203) 0%,rgb(182,227,212) 100%,rgb(51,167,181) 100%)\"><tbody><tr><td><a href=\"https:\/\/fly.finance\/blog\/education-loan\/graduate-student-loan\/\"><strong>Graduate Student Loan in Abroad or India: Eligibility Criteria, Process &amp; More<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/education-loan\/student-loan-for-canada\/\"><strong>Student Loan for Canada: Eligibility, Top Lenders, How to Apply &amp; More<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/education-loan\/student-loan-for-uk\/\"><strong>Student Loan for UK Studies: Types, List of Loan, Eligibility, Benefits, &amp; More<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/education-loan\/maximum-education-loan-for-abroad-studies\/\"><strong>Maximum Education Loan for Abroad Studies in India<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/education-loan\/education-loan-for-nri-students-to-study-abroad\/\"><strong>Education Loan for NRI Students to Study Abroad<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/education-loan\/private-student-loans-for-study-abroad\/\"><strong>Top Private Student Loans for Study Abroad&nbsp;<\/strong><\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>This was everything related to Education Loan for BTech to <a href=\"https:\/\/leverageedu.com\/\"><strong>study abroad<\/strong><\/a>. Reach out to <a href=\"https:\/\/fly.finance\/\"><strong>Fly Finance<\/strong><\/a> for all finance-related concerns to simplify your study abroad experience with zero hindrances.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>In recent times, there has been a significant increase in the number of Indian students opting to study abroad and pursue BTech degrees. The reasons for this trend are many, including the desire for exposure to global education standards, better job prospects, and the opportunity to gain international experience. But there can be a major &#8230; <a title=\"Education Loan for BTech Students to Study Abroad\" class=\"read-more\" href=\"https:\/\/fly.finance\/blog\/education-loan\/education-loan-for-btech-students-to-study-abroad\/\" aria-label=\"Read more about Education Loan for BTech Students to Study Abroad\">Read more<\/a><\/p>\n","protected":false},"author":2,"featured_media":5195,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21],"tags":[],"class_list":["post-5191","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>Education Loan for BTech Students to Study Abroad | Fly Finance<\/title>\n<meta name=\"description\" content=\"This blog is a comprehensive guide on education loan for BTEch Students. 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Finance"},"image":{"@id":"https:\/\/fly.finance\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/fly.finance\/blog\/#\/schema\/person\/536e0b2ed4d3c8eb2eaf7f9156f32e65","name":"Team Fly Finance","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/4dee45c14b835135bd058d903c251154597f0720b0b3723ddd58804b57b9ea5b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4dee45c14b835135bd058d903c251154597f0720b0b3723ddd58804b57b9ea5b?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/4dee45c14b835135bd058d903c251154597f0720b0b3723ddd58804b57b9ea5b?s=96&d=mm&r=g","caption":"Team Fly Finance"},"sameAs":["https:\/\/fly.finance\/blog"],"url":"https:\/\/fly.finance\/blog\/author\/leverageedu\/"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/education-loan-for-btech-students-to-study-abroad\/#faq-question-1686290456620","position":1,"url":"https:\/\/fly.finance\/blog\/education-loan\/education-loan-for-btech-students-to-study-abroad\/#faq-question-1686290456620","name":"How can I apply for an Education Loan for BTech?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"There are many online ways to apply for education loans if you have a good credit history, you will simply need to:<br\/>Head over to the official website of the provider<br\/>Search for Education loan to study abroad, read the terms and conditions\u00a0<br\/>Click on \u201cApply\u201d and fill out the form where they will ask for all the necessary documents and personal details\u00a0<br\/>You need to complete your e-KYC and check for approval<br\/>But, if you do not have a credit history you will need to visit your nearest branch of the bank to apply for an education loan.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/education-loan-for-btech-students-to-study-abroad\/#faq-question-1686290480339","position":2,"url":"https:\/\/fly.finance\/blog\/education-loan\/education-loan-for-btech-students-to-study-abroad\/#faq-question-1686290480339","name":"Is GRE, GMAT and other test scores necessary while applying for an education loan?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes, some lenders may demand these standardized test scores like GRE, GMAT, etc as you will be applying for an education loan for BTech.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/education-loan\/education-loan-for-btech-students-to-study-abroad\/#faq-question-1686290500161","position":3,"url":"https:\/\/fly.finance\/blog\/education-loan\/education-loan-for-btech-students-to-study-abroad\/#faq-question-1686290500161","name":"What are the factors that affect the interest rate of education loans?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The interest rate of an education loan depends on various factors such as the type of loan, the loan amount, the <strong><a href=\"https:\/\/fly.finance\/blog\/education-loan\/collateral-security\/\">collateral security,<\/a><\/strong> the co-applicant credit score, the country and college of your choice, etc.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/5191","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\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/comments?post=5191"}],"version-history":[{"count":15,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/5191\/revisions"}],"predecessor-version":[{"id":21031,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/5191\/revisions\/21031"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/media\/5195"}],"wp:attachment":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/media?parent=5191"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/categories?post=5191"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/tags?post=5191"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}