Global Education Loans Backed by 30+ Trusted Banks & Lenders
Get tailored education loan solutions up to ₹1.5 Crore+ for top universities worldwide — with expert support from approval to disbursal.
Trusted by students via 30+ Indian & Global Lenders
How Our Education Loans Work
Apply with Confidence
Smart Lender Matching
Approval & Documentation
Repay After You Graduate
Loan Benefits & Features
Loan Benefits
Easy EMIs
Repay your loan through pocket-friendly EMIs.
Processing & Approval
- Transparent process without any hidden fees.
- Minimal documents required for loan processing.
- Funds are credited directly to an institution's account based on the fee structure.
Range of Institutions
Coverage for over 2100 universities across 35+ countries. 950 courses covered, including:
- Executive Management Courses (Working Executives)
- MS
- MBA
- MBBS/MD – Only India Colleges
Loan Details
Amount and Tenure
- We cover full education costs with no limit if collateral is provided. Unsecured loans are available up to ₹45 lakh.
- Flexible tenure up to 14 years including moratorium.
Interest Rate
- The rate of interest will be the floating rate linked to HDFC Credila's Benchmark Lending Rate (CBLR).
- Interest will be computed at a simple interest rate.
- The floating interest rate will be (HDFC Credila's CBLR + spread) % per annum.
- A spread is determined based on the case's risk profile, which depends on the student's academic background, employability of the chosen course, co-borrower's financial strength, loan repayment ability, credit history, collateral, branch network serviceability, and underwriting and servicing costs.
Collateral & Moratorium
Collateral Options
- Fixed deposits with HDFC Bank or HDFC Ltd on immovable assets like house, flat, bungalow, shop.
- You can use your fixed deposits, insurance policies, select mutual funds, or NSC/KVP as collateral for a loan.
Moratorium
- It refers to the course period plus one year or six months after securing a job, whichever comes first; as specified by the bank (as in the Schedule Cum Key Fact sheet).
- The Principal Moratorium covers only repaying the loan's principal amount, while the interest moratorium covers both the principal and interest payments.
Fees & Charges
The HDFC Education Loan for Foreign Education Rates & Fees are as follows:
Pre-payment charges: NIL
No Objection Certificate (NOC): NIL
Delayed Payment Charges *: @ 2 % per month of instalment ( MI/PMII)+ applicable taxes thereon
Cheque or ACH mandate or Direct Debit swapping charges*: Up to ₹500/- per swap instance plus applicable taxes thereon
choose country
Make your dream education destination come true
Documents required to get you started
Photo Identity Proof
Applicant and Co-Applicant (Any one of the following)
- Permanent Account Number (PAN) Card
- Passport
- Driving Licence
- Aadhaar Card
- Voter's ID Card
Address Proof
Applicant and Co-Applicant (Any one of the following)
- Passport
- Driving Licence
- Aadhaar Card
- Voter's ID Card
Academic Documents of Student
- Marksheet/Certificate of 12th Exam
- Marksheet/Certificate of Subsequent Years of Education e.g. BE, BCom, BSc, etc.
- Marksheet of Any Entrance Exam Taken e.g. CAT, CET, etc. (If applicable)
- GRE/GMAT/TOEFL/IELTS, etc. Marksheets (If applicable)
- Scholarship Documents (if applicable)
Important Points To Note
Loan Terms
- Repayment starts after course completion/employment
- Moratorium as per lender policy
- Fixed or floating interest options available
Loan Amount & Duration
- Loans available up to ₹1.5 Crore+
- Tenure typically 5–15 years
- Country and profile dependent
Eligibility Criteria
- Student Academic background
- Course and university credibility
- Co-Applicant Income Stability
- Co-Applicant Financial Strength
- Financial Credit History
- Loan-to-Income Ratio
Check Your Global Study Eligibility
Get a personalized assessment based on your academic profile, financial background, and study goals — designed for students planning to study abroad.
- AI-assisted eligibility review
- Financial feasibility check
- Country & course alignment
- 100% confidential assessment
Eligibility Form
FAQs
An aptitude test, which is a part of our career guidance services, can be taken when an individual is unsure about selecting a subject to major in for their undergraduate or postgraduate degree.
An aptitude test, which is a part of our career guidance services, can be taken when an individual is unsure about selecting a subject to major in for their undergraduate or postgraduate degree.
The session link is usually generated within 1 week after the completion of thepayment.
The session link is usually generated within 1 week after the completion of thepayment.
The session link is usually generated within 1 week after the completion of thepayment.
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