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ICICI Bank Education Loan

ICICI Bank's education loan offering covers a wide range of countries and courses. Private-bank speed with a high loan ceiling, especially for secured borrowers.

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Interest Rates & Limits

At a glance

Secured Rate
9.25 - 12.5 %
Up to ₹ 3,00,00,000 MAX
Unsecured Rate
10.25 - 12.5 %
Up to ₹ 1,00,00,000 MAX
Loan Details

What to expect

Collateral Required
Immovable property or liquid securities for secured.
Loan Tenure
Up to 10–15 years.
Moratorium Period
Course duration + 6 months.
Processing Fee
0.5%–1% of loan amount (may be waived).
Best Suited For
Students applying to top-ranked universities who need a high loan amount.
Important: Rates and terms shown are indicative based on our lending partnerships as of 2025–26. Actual rate, amount, and eligibility depend on your profile and are subject to lender assessment. Always confirm directly with ICICI Bank or through our counsellors before applying.
Documents Needed

What you'll typically need

  • Confirmed admission letter from your university.
  • Academic transcripts — 10th, 12th, and graduation.
  • GRE / GMAT / IELTS / TOEFL scores (if applicable).
  • KYC documents of student and co-applicant (Aadhaar, PAN, Passport).
  • Co-applicant income proof — salary slips / ITR / bank statements.
  • Collateral documents — title deed, encumbrance certificate, valuation report.
  • University fee structure and cost of attendance breakdown.

See full document checklist →

Approved Universities

Institutions funded by ICICI Bank

25 universities
UniversityCountryCategory
Massachusetts Institute of TechnologyUSA
University of OxfordUnited Kingdom
Stanford UniversityUSA
University of CambridgeUnited Kingdom
Harvard UniversityUSA
California Institute of TechnologyUSA
Imperial College LondonUnited Kingdom
ETH ZurichSwitzerland
UCLUnited Kingdom
University of ChicagoUSA
National University of SingaporeSingapore
Nanyang Technological UniversitySingapore
University of PennsylvaniaUSA
EPFLSwitzerland
Yale UniversityUSA
The University of EdinburghUnited Kingdom
Tsinghua UniversityChina
Peking UniversityChina
Columbia UniversityUSA
Princeton UniversityUSA
Cornell UniversityUSA
The University of Hong KongHong Kong
The University of TokyoJapan
University of Michigan-Ann ArborUSA
Johns Hopkins UniversityUSA

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Country-Wise Rates

Rates by destination country

Rates and limits vary by country. Click a country for full details.

Country Secured Rate Unsecured Rate
Australia—10.85% - 12.50%
Up to ₹50 Lakh
Canada—10.85% - 15.5%
Up to ₹40 Lakh
France—10.85% - 12.50%
Up to ₹50 Lakh
Germany—10.85% - 12.50%
Up to ₹50 Lakh
Ireland—11.50% - 12.00%
Up to ₹20 Lakh
New Zealand—11.15% - 13%
Up to ₹40 Lakh
United Kingdom—10.85% - 12.50%
Up to ₹50 Lakh
United States—10.85% - 12.50%
Up to ₹50 Lakh

Rates are indicative as of 2025–26. Confirm with the lender before applying.

Ready to apply through ICICI Bank?

We'll check your eligibility, negotiate the rate, and walk you through the paperwork — so you focus on your degree, not the bank.

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