EasyShiksha × UniCreds education loans
Education loan for B.Tech abroad
A four-year engineering degree abroad is a big investment. Lenders fund tuition and living costs, and Germany’s low fees keep loan amounts smaller. 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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B.Tech abroad: costs and eligibility
A four-year engineering degree abroad is a big investment. Lenders fund tuition and living costs, and Germany’s low fees keep loan amounts smaller. Popular destinations: USA, UK, Canada, Australia, Germany.
What it costs
| USA | ₹12 – 25 lakh a year |
|---|---|
| UK | ₹10 – 22 lakh a year |
| Australia | ₹10 – 20 lakh a year |
| Canada | ₹8 – 18 lakh a year |
| Germany | ₹50,000 – ₹2 lakh a year |
Tuition only. Living costs run about ₹10 – 25 lakh a year, depending on the country.
Who can apply
- Indian citizen, usually 16 – 35 years old
- At least 50% in Class 12 or equivalent
- Merit-based admission to a full-time, accredited B.Tech programme
- Co-applicant (parent, guardian, spouse or close family) with stable income
Security & repayment
- Property: Usually 70% – 90% of market value
- Fixed deposits: 90% – 95% of deposit value
- Life insurance: 80% – 90% of surrender value
- Government bonds: 80% – 90% of market value
Repayment
Moratorium is usually the course duration plus 6 to 12 months. Government schemes such as CSIS, Padho Pardesh and NBCFDC can reduce interest for eligible students.
Lenders that fund B.Tech 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*.
B.Tech education loan FAQs
What does a B.Tech abroad cost?
Tuition ranges from under ₹2 lakh a year at German public universities to ₹25 lakh a year in the USA, plus living costs.
Which lenders fund B.Tech abroad?
Banks such as Axis, ICICI and Union Bank of India, and NBFCs such as Credila, Avanse, InCred and Auxilo.
What marks do I need?
Most lenders look for at least 50% in Class 12.
Is collateral needed?
Smaller loans can be collateral-free. Larger amounts usually need property or deposits, though some lenders offer high collateral-free limits.
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 B.Tech?
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*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.