Study in UK
Education loan for UK
The UK can work well for shorter master's programs and strong university choices. Check visa and work rules before you plan.
- Rates
- from 8.5% p.a.
- Loan amount
- up to ₹1.5 Cr
- Tenure
- up to 15 years
- Intakes
- Sep, Jan
Loan options for UK
Two ways to fund your studies. You can compare both before you apply.
Without collateral
Up to ₹75 lakh
Offered by public banks, private banks and NBFCs
- Based on your university, course and co-applicant income
- No property or deposit needed
- Higher rates than secured loans
With collateral
Up to ₹1.5 Cr
Offered by public banks, private banks and NBFCs
- Residential property, commercial property or a fixed deposit as security
- Larger amounts at lower rates
- Tenure up to 15 years
Indicative. Final amount, rate and tenure depend on the lender's review.
What it costs to study in UK
Typical ranges. Check your university's cost of attendance for the exact figure.
- Tuition
- £22,000 – £38,000 / yr
- Living costs
- £12,000 – £15,000 / yr
What lenders check
Your university and course
Lenders rate your university and course. A higher-ranked university can unlock unsecured loans and better rates.
Co-applicant income
Usually a parent, sibling or spouse. Their income and credit history drive the amount and rate.
Credit history
Lenders check the CIBIL score of both the student and the co-applicant.
Your admit and costs
The admit letter and the cost of attendance set the loan amount you can ask for.
Why students pick UK
Post-study work route
The UK has post-study work routes for some graduates. Check current official guidance.
Shorter programs
Many master's programs are one year, which can reduce total study cost.
Large student cities
London, Manchester, Edinburgh, and other cities offer a wide range of courses and employers.
Popular courses
Common programs Indian students explore for UK.
- MSc Computer Science
- MBA
- MSc Finance
- MSc Data Science
- LLM
- MSc Engineering
UK education loan FAQs
Can I get an education loan for UK without collateral?
Yes. Public banks, private banks and NBFCs offer unsecured loans for UK, up to ₹75 lakh. Approval depends on your university, course and co-applicant income.
How much education loan can I get for UK?
Unsecured loans go up to ₹75 lakh. With property or a fixed deposit as security, loans go up to ₹1.5 Cr. The final amount depends on your costs and the lender's review.
What is the interest rate on an education loan for UK?
Rates start from 8.5% p.a. Loans with collateral usually get lower rates than unsecured loans. Your final rate depends on your profile and the lender.
How long can I take to repay?
Lenders offer tenures of up to 15 years. Most let repayment start after your course ends, with a grace period.
When should I apply for a UK education loan?
Apply once you have an admit, so the sanction letter is ready for your visa. Main intakes for UK are Sep, Jan.
Ready to check options for UK?
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