Code copied!
Auxilo Education Loan for Study Abroad: Rates & Eligibility | EasyShiksha
UniCredsEasyShiksha × UniCreds education loans

Auxilo education loan

Auxilo funds a wide range of courses, including aviation and vocational programmes, with pre-visa and pre-admission loans. Apply free through EasyShiksha and a UniCreds expert does the legwork.

Auxilo logoUniCreds lending partner
  • From 11.25% p.a.*
  • Up to ₹2 crore secured*
  • Up to ₹80 lakh without collateral*
  • NBFC

20,000+ students have funded their studies with UniCreds

100% free

Check your Auxilo loan eligibility

Takes 30 seconds. A loan expert calls you back.

Private & secure No fee, ever Call back in 1 working day

Auxilo education loan at a glance

Auxilo funds a wide range of courses, including aviation and vocational programmes, with pre-visa and pre-admission loans.

Lender type
NBFC
Interest rate*
11.25% – 13.5% p.a. (simple interest)
Loan with collateral
₹2 crore
Loan without collateral
₹80 lakh
Processing fee
From 0.5%
Margin money
Nil
Repayment tenure
Up to 15 years
Moratorium
Principal starts 6 months after the course or a job, whichever is first
Prepayment charges
Nil
Countries
USA, Canada, UK, Ireland, New Zealand, Australia, Germany, Singapore, UAE and more
Apply through
EasyShiksha × UniCreds (free)
Typical decision
After document check by the lender

Highlights, eligibility and documents

Highlights

  • Collateral-free loans up to ₹80 lakh
  • Pre-visa disbursement and pre-admission loans
  • Covers law, management, medicine, engineering, aviation and more
  • Online account to track payments and EMIs

Who can apply

  • Indian citizen, 18 or older, with confirmed admission
  • Earning co-borrower in India with an Indian bank account

Documents

Student

  • Passport, PAN and Aadhaar
  • Address proof
  • Admission or offer letter
  • Mark sheets and transcripts
  • Test scores (GRE, GMAT, IELTS, TOEFL)

Co-applicant

  • PAN and Aadhaar
  • Salary slips or ITRs (2 – 3 years)
  • Bank statements (6 months)
  • Business proof if self-employed

Other

  • University cost-of-attendance statement
  • Scholarship letters, if any
  • Property or FD papers for secured loans

Form to funding in 5 steps

100% digital, with a real person helping you the whole way.

  1. Share your plans

    Where, what and when you want to study, and how much you need.

  2. Chat with an expert

    A UniCreds specialist calls and explains your options.

  3. Upload documents

    All online from home. No branch visits.

  4. Get the best rate

    Your expert negotiates with lenders for you.

  5. Get sanctioned

    Sanction letter in as little as 48 hours*.

Auxilo vs other lenders

Not sure this is the right lender? Compare starting rates and limits, or let your expert shortlist for you.

Lender Type Interest (p.a.)* With collateral Without collateral Processing fee
ICICI Bank ICICI Bank Private bank From 10% ₹2 crore ₹1 crore 0.5% – 1% + GST
Axis Bank Axis Bank Private bank From 9.5% ₹3 crore ₹75 lakh 0.5% – 1% + GST
IDFC FIRST Bank IDFC FIRST Bank Private bank From 9% ₹2 crore ₹75 lakh 0.5% – 1%
YES Bank YES Bank Private bank From 11% ₹2 crore ₹50 lakh 0.5% – 1%
Union Bank of India Union Bank of India Public sector bank From 9.30% ₹75 lakh ₹40 lakh (listed universities only) ₹5,000, refundable
Punjab National Bank Punjab National Bank Public sector bank From 9.25% ₹2 crore ₹8 lakh From 0.5%
Credila Credila NBFC From 9.95% No upper limit ₹75 lakh 0.85% – 1% of the loan
Avanse Avanse NBFC From 10.75% ₹2 crore ₹1 crore 0.5% – 1% + GST
Avanse Global Avanse Global NBFC From 10% Not offered Based on your profile From 3.99%
InCred InCred NBFC From 11.4% ₹2 crore ₹75 lakh From 1%
Auxilo Auxilo NBFC From 11.25% ₹2 crore ₹80 lakh From 0.5%
Tata Capital Tata Capital NBFC From 11% ₹2 crore ₹75 lakh 0.5% – 1%
Poonawalla Fincorp Poonawalla Fincorp NBFC From 10% ₹3 crore ₹1 crore From 0.75%
Edgro Edgro NBFC From 11.5% Not offered ₹1 crore From 1%
FinZ FinZ NBFC From 10.75% Not offered ₹75 lakh 0.75% – 1.25%
Prodigy Finance Prodigy Finance International lender Variable Not required Based on your course and school From 5%
MPOWER Financing MPOWER Financing International lender From 12.99% Not offered Up to ₹95 lakh Ask your loan expert

*As published by UniCreds, Oct 2026. Final terms depend on your profile and the lender’s assessment.

Auxilo education loan FAQs

What is the Auxilo education loan interest rate?

11.25% – 13.5% p.a. (simple interest)*. Your final rate depends on your profile, co-applicant, course and university.

How much can I borrow from Auxilo without collateral?

₹80 lakh*, depending on your profile. With collateral: ₹2 crore.

What is the moratorium on a Auxilo education loan?

Principal starts 6 months after the course or a job, whichever is first. Repayment tenure: up to 15 years.

What is the Auxilo processing fee?

From 0.5%*. Margin money: nil.

How do I apply for a Auxilo education loan through EasyShiksha?

Fill in the free form on this page. A UniCreds loan expert checks your eligibility with Auxilo and other lenders, helps with documents and negotiates the offer for you.

Loans for every course

See costs, eligibility and lenders for your programme.

Free loan tools

Plan your budget and repayments before you apply.

Interested in a Auxilo loan?

Check your eligibility in 30 seconds. Your expert will also compare it with other lenders for you.

Check my eligibility

*Interest rates, sanction times, savings, loan amounts, fees and other terms are indicative, as published by UniCreds, and depend on the lender and on the student’s and co-applicant’s profile, course and country. Education loans are provided by banks and NBFCs through UniCreds Private Limited. EasyShiksha (EdSpectra Global Private Limited) refers students to UniCreds and does not lend money or guarantee any loan. Lender names and logos belong to their owners. Cost figures are approximate.

Check my eligibility