Introduction
How Much Education Loan Can I Get? As the cost of education continues to rise in India and abroad, students and families are increasingly turning to education loans to fund higher studies.
Different banks offer different maximum limits, depending on factors like whether you pledge collateral, the course and institution, & your financial profile. In this article, we break down the top banks and their maximum education loan sanction limits as of 2025, so you know what to expect before you apply.
Top Banks and Their Education Loan Sanction Limits
1. State Bank of India (SBI) – Global Ed-Vantage Scheme
- Without Collateral: Up to ₹7.5 lakh
- Ideal for: Premier colleges and overseas education
2. Punjab copyright (PNB) – Udaan Scheme
- With Collateral: ₹30–50 lakh
- Offers flexible repayment and subsidy options
3. Bank of Baroda – Baroda Scholar & Baroda Vidya
- Without Collateral: ₹7.5 – ₹10 lakh
- Known for competitive How Much Education Loan Can I Get interest rates for foreign studies
4. Canara Bank – Vidya Turant Scheme
- With Collateral: ₹40 lakh and above
- Fast-track approvals for NIRF-ranked institutions
5. Axis Bank
- With Collateral: ₹50 lakh – ₹75 lakh
- Without Collateral: ₹15–20 lakh (case-by-case)
- Quick disbursal and flexible terms
6. ICICI Bank
- With Collateral: ₹50 lakh+
- Without Collateral: ₹10–15 lakh
7. HDFC Credila (NBFC)
- With Collateral: ₹1 crore+
- Without Collateral: ₹15–25 lakh (based on profile)
- Customised loans based on the course and university
Quick Comparison Table
| Bank/NBFC | Max Loan (Without Collateral) | Max Loan (With Collateral) |
| SBI | ₹7.5 lakh | ₹1.5 crore |
| PNB | ₹7.5 – ₹10 lakh | ₹50 lakh |
| Bank of Baroda | ₹7.5 – ₹10 lakh | ₹80 lakh – ₹1 crore |
| Canara Bank | ₹7.5 – ₹20 lakh | ₹40 lakh+ |
| Axis Bank | ₹15 – ₹20 lakh | ₹75 lakh |
| ICICI Bank | ₹10 – ₹15 lakh | ₹50 lakh+ |
| HDFC Credila (NBFC) | ₹15 – ₹25 lakh | ₹1 crore+ |
| Avanse (NBFC) | ₹20 lakh+ | Full coverage |
Conclusion
In 2025,How Much Education Loan Can I Get Indian students have a wide range of options when it comes to maximum education loan sanction limits, from both public sector banks and private institutions/NBFCs. While public banks are safer and more affordable, private lenders and NBFCs offer flexibility and higher loan amounts which is helpful for students seeking admission in international universities or premium Indian institutions.
Choosing the right lender depends on your financial background, whether you can offer collateral, and the total cost of your course.