EasyShiksha × UniCreds education loans
Education loan for BDS abroad
Dental degrees abroad are popular in the UAE, Australia, the UK, Canada and New Zealand. Lenders can fund up to 100% of costs. Apply free and a UniCreds expert matches you with the right lender.
- From 8.33% p.a.*
- Sanction in 48 hours*
- No-collateral options
- Save up to ₹15 lakh*
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20,000+ students have funded their studies with UniCreds
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BDS abroad: costs and eligibility
Dental degrees abroad are popular in the UAE, Australia, the UK, Canada and New Zealand. Lenders can fund up to 100% of costs. Popular destinations: UAE, Australia, UK, Canada, New Zealand.
What the loan covers
- Tuition and university fees
- Accommodation and rent
- Food and living costs
- Flights and travel
- A laptop
- Research, thesis and project costs
Lenders can fund up to 100% of costs, depending on the amount and the institution.
Who can apply
- Indian citizen or resident
- Admission to a BDS programme at a recognised university abroad
- Some banks set an age limit of 35
- Lenders weigh your academics, the university’s reputation, collateral and family finances
Security & repayment
- Up to ₹4 lakh: Usually no collateral or margin money
- ₹4 – 7.5 lakh: Third-party guarantee needed
- Above ₹7.5 lakh: Collateral needed for most bank loans
Repayment
Repayment usually starts one year after you finish the course, or six months after you get a job, whichever comes first. Most students repay over 5 to 7 years, and some lenders allow longer.
Lenders that fund BDS abroad
Compare starting rates and limits. Your expert shortlists the best fit for your university and profile.
| Lender | Type | Interest (p.a.)* | With collateral | Without collateral | Processing fee |
|---|---|---|---|---|---|
|
ICICI Bank
|
Private bank | From 10% | ₹2 crore | ₹1 crore | 0.5% – 1% + GST |
|
Axis Bank
|
Private bank | From 9.5% | ₹3 crore | ₹75 lakh | 0.5% – 1% + GST |
|
IDFC FIRST Bank
|
Private bank | From 9% | ₹2 crore | ₹75 lakh | 0.5% – 1% |
|
YES Bank
|
Private bank | From 11% | ₹2 crore | ₹50 lakh | 0.5% – 1% |
|
Union Bank of India
|
Public sector bank | From 9.30% | ₹75 lakh | ₹40 lakh (listed universities only) | ₹5,000, refundable |
|
Punjab National Bank
|
Public sector bank | From 9.25% | ₹2 crore | ₹8 lakh | From 0.5% |
|
Credila
|
NBFC | From 9.95% | No upper limit | ₹75 lakh | 0.85% – 1% of the loan |
|
Avanse
|
NBFC | From 10.75% | ₹2 crore | ₹1 crore | 0.5% – 1% + GST |
|
Avanse Global
|
NBFC | From 10% | Not offered | Based on your profile | From 3.99% |
|
InCred
|
NBFC | From 11.4% | ₹2 crore | ₹75 lakh | From 1% |
|
Auxilo
|
NBFC | From 11.25% | ₹2 crore | ₹80 lakh | From 0.5% |
|
Tata Capital
|
NBFC | From 11% | ₹2 crore | ₹75 lakh | 0.5% – 1% |
|
Poonawalla Fincorp
|
NBFC | From 10% | ₹3 crore | ₹1 crore | From 0.75% |
|
Edgro
|
NBFC | From 11.5% | Not offered | ₹1 crore | From 1% |
|
FinZ
|
NBFC | From 10.75% | Not offered | ₹75 lakh | 0.75% – 1.25% |
|
Prodigy Finance
|
International lender | Variable | Not required | Based on your course and school | From 5% |
|
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.
Form to funding in 5 steps
100% digital, with a real person helping you the whole way.
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Share your plans
Where, what and when you want to study, and how much you need.
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Chat with an expert
A UniCreds specialist calls and explains your options.
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Upload documents
All online from home. No branch visits.
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Get the best rate
Your expert negotiates with lenders for you.
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Get sanctioned
Sanction letter in as little as 48 hours*.
BDS education loan FAQs
Which countries are popular for BDS?
The UAE, Australia, the UK, Canada and New Zealand.
Do I need collateral for a BDS loan?
Not for smaller amounts. Loans above about ₹7.5 lakh usually need collateral with banks.
When do I start repaying?
Usually a year after you graduate, or six months after you get a job, whichever comes first.
Loans for every course
See costs, eligibility and lenders for your programme.
Free loan tools
Plan your budget and repayments before you apply.
Ready to fund your BDS?
Check your eligibility in 30 seconds. A loan expert calls you back within one working day.
*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.