Foreign Study Loan ka simple matlab hai Videsh me ucch shiksha ke liye liya gaya karz. Jab aap India ke bahar kisi bhi recognized university me admission lete hain jaise USA ki Harvard, UK ki Oxford, Canada ki Toronto University, to uski padhai ka kharcha bahut zyada hota hai. Ek middle-class family ke liye 50-60 lakh ek saath dena possible nahi hai. Isiliye bank aapko loan deta hai.
Ye loan normal education loan se alag hai. Normal loan India me padhne ke liye 7.5 lakh tak bina collateral milta hai, lekin Foreign loan me 75 lakh tak bina collateral mil jata hai kyunki videsh ki fees hi zyada hai. Is loan ko aap padhai khatam hone ke 6 mahine baad se chukana shuru karte ho. Tab tak bank aapse EMI nahi mangta, is period ko Moratorium Period kehte hain.
Bank isme kya-kya cover karta hai? 1. Tuition Fees, 2. Hostel and Food Expenses, 3. Flight Tickets (India to Abroad), 4. Visa Fees and Insurance, 5. Exam Fees like IELTS, TOEFL, GRE, GMAT, 6. Laptop, Books, Study Material, 7. Living Expenses jo har mahine chahiye. Matlab aapko ek rupya bhi jeb se nahi dena padega agar aapka loan pura approve ho jaye.
A. Secured Loan (Collateral Wala Loan): Isme aapko apni property, ghar, zameen, FD, LIC Policy bank ke paas girvi rakhni padti hai. Iska fayda ye hai ki interest rate sabse kam hota hai 9% se 11% tak aur loan amount 1.5 Crore tak mil jata hai. Agar aap USA me 2 saal ka MS karna chahte ho jiska kharcha 60 lakh hai to ye best hai. Property aapke mata-pita ya dada-dadi ke naam par bhi ho sakti hai.
B. Unsecured Loan (Bina Collateral Wala Loan): Isme koi property nahi deni padti. Bank sirf aapke profile, university ki ranking, co-applicant ki income aur future job possibility dekh kar loan deta hai. Isme 7.5 Lakh se 75 Lakh tak milta hai. HDFC Credila aur Axis Bank isme sabse aage hain. Iska interest thoda zyada hota hai 11.5% se 14% tak. Ye unke liye best hai jinke paas property nahi hai ya property par already loan hai.
A. SBI Global Ed-Vantage Scheme – Sabse Sasta: Ye SBI ka flagship scheme hai. Isme 20 Lakh se 1.5 Crore tak loan milta hai. Interest Rate 10.15% se start hota hai jo sabse kam hai. Ladkiyon ko 0.50% ka extra discount milta hai. Isme aapko 15 saal tak repayment ka time milta hai. Processing fee sirf 10,000 + GST hai. Agar aap Top 200 Universities me ja rahe ho to SBI bina soche loan de deta hai. Iska ek hi nuksan hai ki time 15-20 din lagta hai.
B. HDFC Credila – Sabse Fast & Popular: HDFC Credila sirf education loan hi deta hai isliye iska process sabse tez hai. 4 din me loan approve ho jata hai. Ye bina collateral 75 Lakh tak de deta hai. Ye aapko admission se pehle hi pre-approved loan letter de deta hai jo USA ke Visa Interview (F1 Visa) me financial proof ke roop me kaam aata hai. Doorstep service hai, ghar aake documents lete hain. Interest 10.50% se 13.50% tak.
C. Axis Bank Study Abroad Loan: Axis Bank 20 Lakh se 75 Lakh tak deta hai. Iska interest 11.25% se start hota hai. Iski khaas baat hai ki ye 100% finance deta hai, matlab aapko ek rupya bhi margin money nahi dena. GRE, TOEFL ki fees bhi isme cover hoti hai.
D. ICICI Bank Student Loan: ICICI Bank 40+ desho ke liye loan deta hai. 50 Lakh tak bina collateral. Interest 10.75% se 12.75%. Iske saath aapko Free Forex Card aur International Student Debit Card milta hai jisse videsh me paisa nikalna aasan hota hai.
E. Avanse Financial Services: Agar aapka CIBIL Score kam hai, ya academic me gap hai, ya aapki university thodi low rank ki hai to Avanse aasani se loan de deta hai. Ye 1 Lakh se 1 Crore tak deta hai aur 100% expenses cover karta hai. Interest 11% se 14% tak.
F. Vidya Lakshmi Portal – Sarkari Portal: Ye Government of India ka official portal hai – www.vidyalakshmi.co.in. Yahan aap ek hi Common Education Loan Application Form (CELAF) bhar ke 40+ banks me ek saath apply kar sakte ho. Isse aapka CIBIL score kharab nahi hota. Har student ko yahan ek baar zarur apply karna chahiye.
G. Dr. Ambedkar Central Sector Scheme – Subsidy Wala Loan: Ye SC, ST, OBC aur Minority students ke liye vardan hai. Isme sarkar aapke loan ke Moratorium Period (Course + 1 Saal) ka pura interest khud bhar deti hai. Eligibility – OBC ke liye family income 8 Lakh se kam aur SC/ST ke liye 6 Lakh se kam honi chahiye. Loan limit 20 Lakh tak. Iska labh lene ke liye aapko Vidya Lakshmi portal par apply karna hota hai. Ye subsidy hai jo aapko wapas nahi karni.
| Bank Name | Interest Rate | Without Collateral Max | Time |
|---|---|---|---|
| SBI Global | 10.15% – 11.25% | ₹7.5 Lakh | 15-20 Din |
| HDFC Credila | 10.50% – 13.50% | ₹75 Lakh | 4-7 Din |
| Axis Bank | 11.25% – 13% | ₹75 Lakh | 7-10 Din |
| ICICI Bank | 10.75% – 12.75% | ₹50 Lakh | 7-10 Din |
| Avanse | 11% – 14% | ₹75 Lakh | 5-8 Din |
| Country | 2 Saal Ka Total Kharcha | Loan Kitna Milega |
|---|---|---|
| USA (MS) | ₹45-65 Lakh | ₹75 Lakh – 1.5 Crore |
| UK (Masters) | ₹35-50 Lakh | ₹50 Lakh – 1 Crore |
| Canada | ₹30-45 Lakh | ₹60 Lakh Tak |
| Australia | ₹35-55 Lakh | ₹60 Lakh Tak |
| Germany | ₹20-30 Lakh | ₹40 Lakh Tak |
Eligibility Kya Hai: 1. Student Indian Citizen ho. 2. Age 18 saal se upar. 3. Videsh ki recognized University me admission confirm ho (Offer Letter / I-20 Form). 4. 12th ya Graduation me 60%+ marks. 5. IELTS me 6+ band ya TOEFL me 80+ score ho to loan jaldi milta hai. 6. Co-applicant Mata-Pita ya Guardian jinki age 58 se kam ho aur income proof ho.
| Student Documents | Co-Applicant & Property Documents |
|---|---|
| Admission Letter, I-20 Form, 10th-12th Marksheet, Graduation Degree, IELTS/GRE/GMAT Score Card, Passport, Visa Copy, University Fees Structure, SOP | Aadhaar Card, PAN Card, 6 Month Salary Slip / 2 Saal ITR, 6 Month Bank Statement, Business Proof (Self Employed), Property Registry, Chain Papers, Electricity Bill, Valuation Report |
Step 1: Offer Letter Lo: Bina Offer Letter ke koi bank loan nahi dega. Pehle IELTS/GRE clear karke university me apply karo.
Step 2: Total Cost Calculate Karo: Tuition Fees (2 saal) + Living (12 Lakh x 2) + Flight (1.5 Lakh) + Insurance = Total. Maan lo 50 Lakh.
Step 3: Bank Select Karo: Vidya Lakshmi portal par jao aur 3 bank select karo – 1 SBI (sasta), 1 HDFC Credila (fast), 1 Axis/ICICI (backup).
Step 4: Documents Upload Karo: Saare documents ek PDF me scan karke upload karo.
Step 5: Verification: Agar secured loan hai to bank ka officer ghar aake property dekhega.
Step 6: Sanction Letter: 7-15 din me aapko Sanction Letter mil jayega. Ye Visa ke liye sabse important proof hai ki aapke paas paise hain.
Step 7: Disbursement: Visa lagne ke baad bank fees ko direct University ke account me bhej dega, aur living ka paisa aapke account me har semester ayega.
1. Ladkiyon Ke Naam Par Apply Karo: Har bank ladkiyon ko 0.50% kam interest deta hai. Co-applicant Maa ya Behen ho to bhi fayda milta hai.
2. Top University Target Karo: QS Ranking Top 200 ki university me admission hai to SBI 10.15% par bhi de deta hai, warna 11.25% lega.
3. Collateral Do: Bina property ke 13% lagega, property ke saath 10.5% lagega. 50 Lakh par 12 Lakh ka interest bachega.
4. CIBIL 750+ Rakho: Papa ka CIBIL score 750 se upar hai to aap bank se bargaining kar sakte ho.
5. Moratorium Me Interest Bharo: Padhai ke 2 saal me agar aap 10,000 per month simple interest bhar doge to baad me aapki EMI 20% kam ho jayegi aur total interest 4-5 lakh kam lagega. Saath hi Income Tax me Section 80E ke tahat 8 saal tak interest par 100% tax chhoot milti hai.
Bahut baar loan reject ho jata hai. Reason 1: Fake ya non-recognized university. Reason 2: Co-applicant ki income kam ya CIBIL 650 se kam. Reason 3: Documents incomplete. Reason 4: Property par pehle se loan ya legal issue. Isliye hamesha genuine university aur saaf property papers rakho. Aur sabse bada fayda – Section 80E ke under aap jo bhi interest bharte ho uspar 8 saal tak koi tax nahi lagta. Matlab 10 Lakh interest bhara to 10 Lakh par tax maaf.
Q1. Bina collateral ke videsh ke liye kitna loan mil sakta hai?
Ans. Agar aap USA/Canada ki top university me ja rahe ho to HDFC Credila aur Axis bina collateral ke 75 lakh tak de dete hain. Germany jaise desh ke liye 40-50 lakh tak milta hai.
Q2. Loan chukana kab se shuru hota hai?
Ans. Course khatam hone ke 6 mahine baad ya job lagne ke baad, jo pehle ho. 15 saal tak ka time milta hai. Shuru ke 6 mahine me EMI nahi deni padti.
Q3. Kya 12th ke baad Bachelor ke liye loan milta hai?
Ans. Haan milta hai, lekin usme collateral zaruri hota hai. SBI aur Credila dono dete hain. USA me Bachelor ka kharcha 1 Crore tak aata hai.
Q4. Family Income kam hai to kya subsidy milegi?
Ans. Haan, Dr. Ambedkar Scheme me Income 6-8 Lakh se kam hai to poore moratorium period ka interest sarkar bharegi. Iske liye Vidya Lakshmi par apply karna hoga.
Q5. Kaunsa bank sabse jaldi loan deta hai?
Ans. HDFC Credila – 4 din me. SBI sabse sasta hai par 15-20 din lagte hain.
Foreign Study Loan lena ab sapna nahi raha. Agar aapke paas offer letter aur sahi documents hain to loan milna tay hai. Mera suggestion hai – Sasta chahiye to SBI Global Ed-Vantage, Fast chahiye to HDFC Credila. Aur agar aap SC/ST/OBC category se ho to Dr. Ambedkar Subsidy ka fayda lena bilkul mat bhulna. Loan lene se pehle hamesha 3 bank ka comparison zarur karo, processing fees aur hidden charges pooch lo, aur Section 80E ka tax benefit zarur lo. Taiyari achhi rakho to videsh me padhai ka sapna zarur pura hoga.
Disclaimer: Interest Rate samay ke saath badal sakte hain, loan lene se pehle bank ki official website zarur check kare.