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State Bank of India Education Loan

SBI's Scholar Loan and Global Ed-Vantage schemes are the benchmark for secured education loans in India. Lowest rates among all banks, backed by India's largest public bank.

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Interest Rates & Limits

At a glance

Secured Rate
8.65 - 9.15 %
Up to ₹ 3,00,00,000 MAX
Unsecured Rate
9.15 %
Up to ₹ 50,00,000 MAX
Loan Details

What to expect

Collateral Required
Immovable property for Global Ed-Vantage (above ₹7.5 lakh).
Loan Tenure
Up to 15 years.
Moratorium Period
Course duration + 12 months.
Processing Fee
Nil for most schemes.
Best Suited For
Students with strong collateral who want the absolute lowest interest rate available.
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 State Bank of India 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 SBI

96 universities
UniversityCountryCategory
Massachusetts Institute of Technology (MIT)USACategory A
Imperial College LondonUnited KingdomCategory A
University of OxfordUnited KingdomCategory A
Harvard UniversityUSACategory A
University of CambridgeUnited KingdomCategory A
Stanford UniversityUSACategory A
ETH ZurichSwitzerlandCategory A
National University of Singapore (NUS)SingaporeCategory A
University College LondonUnited KingdomCategory A
California Institute of Technology (Caltech)USACategory A
University of PennsylvaniaUSACategory A
University of California, BerkeleyUSACategory A
The University of MelbourneAustraliaCategory A
Nanyang Technological UniversitySingaporeCategory A
Cornell UniversityUSACategory A
The University of Hong KongHong KongCategory A
The University of SydneyAustraliaCategory A
The University of New South WalesAustraliaCategory A
University of ChicagoUSACategory A
Princeton UniversityUSACategory A
Yale UniversityUSACategory A
Université PSLFranceCategory A
EPFLSwitzerlandCategory A
The University of EdinburghUnited KingdomCategory A
Technical University of MunichGermanyCategory A
The Australian National UniversityAustraliaCategory A
The University of TokyoJapanCategory A
Johns Hopkins UniversityUSACategory A
The University of ManchesterUnited KingdomCategory A
Columbia UniversityUSACategory A
The Chinese University of Hong KongHong KongCategory A
Monash UniversityAustraliaCategory A
The University of QueenslandAustraliaCategory A
King's College LondonUnited KingdomCategory A
University of California, Los Angeles (UCLA)USACategory A
New York University (NYU)USACategory A
University of Michigan-Ann ArborUSACategory A
Institut Polytechnique de ParisFranceCategory A
Hong Kong University of Science and TechnologyHong KongCategory A
Delft University of TechnologyNetherlandsCategory A
Northwestern UniversityUSACategory A
Kyoto UniversityJapanCategory A
London School of Economics (LSE)United KingdomCategory A
University of BristolUnited KingdomCategory A
University of AmsterdamNetherlandsCategory A
The Hong Kong Polytechnic UniversityHong KongCategory A
Carnegie Mellon UniversityUSACategory A
Ludwig-Maximilians-Universität MünchenGermanyCategory A
Duke UniversityUSACategory A
City University of Hong KongHong KongCategory A
KU LeuvenBelgiumCategory A
Sorbonne UniversityFranceCategory A
The University of AucklandNew ZealandCategory A
University of Texas at AustinUSACategory A
University of Illinois at Urbana-ChampaignUSACategory A
The University of WarwickUnited KingdomCategory A
University of California, San DiegoUSACategory A
Université Paris-SaclayFranceCategory A
Lund UniversitySwedenCategory A
University of WashingtonUSACategory A
The University of Western AustraliaAustraliaCategory A
University of GlasgowUnited KingdomCategory A
Brown UniversityUSACategory A
University of SouthamptonUnited KingdomCategory A
University of BirminghamUnited KingdomCategory A
The University of AdelaideAustraliaCategory A
University of LeedsUnited KingdomCategory A
Ruprecht-Karls-Universität HeidelbergGermanyCategory A
University of Technology SydneyAustraliaCategory A
Purdue UniversityUSACategory A
Pennsylvania State UniversityUSACategory A
Freie Universität BerlinGermanyCategory A
University of CopenhagenDenmarkCategory A
Uppsala UniversitySwedenCategory A
Utrecht UniversityNetherlandsCategory A
The University of SheffieldUnited KingdomCategory A
Boston UniversityUSACategory A
University of NottinghamUnited KingdomCategory A
University of ZurichSwitzerlandCategory A
Georgia Institute of TechnologyUSACategory A
University of Wisconsin-MadisonUSACategory A
University of HelsinkiFinlandCategory A
University of OsloNorwayCategory A
Queen Mary University of LondonUnited KingdomCategory A
University of Southern CaliforniaUSACategory A
Humboldt-Universität zu BerlinGermanyCategory A
University of California, DavisUSACategory A
Sapienza University of RomeItalyCategory A
Alma Mater Studiorum - University of BolognaItalyCategory A
Leiden UniversityNetherlandsCategory A
University of North Carolina, Chapel HillUSACategory A
Erasmus University RotterdamNetherlandsCategory A
University of GroningenNetherlandsCategory A
Washington University in St. LouisUSACategory A
University of California, Santa BarbaraUSACategory A
Emory UniversityUSACategory A

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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
Australia9.65% (girls) / 10.15% (boys)
Up to ₹1.5 Cr		—
Canada9.65% (girls) / 10.15% (boys)
Up to ₹1.5 Cr		—
France10.65% (girls) / 11.50% (boys)
Up to ₹1.5 Cr		—
Germany10.65% - 11.50%
Up to ₹1.5 Cr		—
Ireland10.65% (girls) / 11.50% (boys)
Up to ₹1.5 Cr		—
New Zealand10.65% - 11.15%
Up to ₹1.5 Cr		—
United Kingdom9.65% (girls) / 10.15% (boys)
Up to ₹3 Cr		—
United States10.65% (girls) / 11.50% (boys)
Up to ₹1.5 Cr		—

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

Ready to apply through State Bank of India?

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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