EasyShiksha × UniCreds education loans
Education loan for MBBS abroad
Medical degrees abroad run 4 to 6 years, so loans often cover the full programme. NEET qualification is a must for most lenders. 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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MBBS abroad: costs and eligibility
Medical degrees abroad run 4 to 6 years, so loans often cover the full programme. NEET qualification is a must for most lenders. Popular destinations: Russia, China, Philippines, Georgia, UK, USA, Canada, Australia.
What it costs
| Russia (6 years) | ₹15 – 35 lakh total |
|---|---|
| China (5 – 6 years) | ₹18 – 30 lakh total |
| Philippines (5.5 years) | ₹22 – 35 lakh total |
| Georgia (6 years) | ₹25 – 40 lakh total |
| UK (5 – 6 years) | ₹50 lakh – ₹1 crore total |
| USA (4 – 6 years) | ₹60 lakh – ₹1.5 crore total |
Total tuition for the full course. Living costs are extra.
Who can apply
- Indian citizen, usually 16 – 35 years old
- 10+2 with 50 – 60% in Physics, Chemistry and Biology
- NEET qualification (mandatory)
- Admission to a recognised medical college (NMC-recognised preferred)
- Co-applicant with stable income; credit score around 700+ preferred
Security & repayment
- Typical loan size: ₹20 lakh – ₹3 crore, depending on country and college
- Collateral-free: Often available up to about ₹7.5 lakh; higher with some lenders
- Government schemes: CGFSEL, NMDFC, NSFDC and CSIS for eligible students
Repayment
Interest rates generally range from 8% to 14%, with repayment over 10 to 15 years. Moratorium is usually the course duration plus 6 to 12 months.
Lenders that fund MBBS 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*.
MBBS education loan FAQs
Is NEET required for an MBBS education loan?
Yes. Lenders usually require NEET qualification for MBBS abroad.
How much does MBBS abroad cost?
Total tuition ranges from about ₹15 lakh in Russia to ₹1.5 crore in the USA.
Can I get an MBBS loan without collateral?
Smaller amounts are often collateral-free. Larger loans usually need security, though some private lenders offer high collateral-free limits.
How long can I take to repay?
Usually 10 to 15 years after the moratorium.
Loans for every course
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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.