Tailored Financial Solutions for Every Profile
Whether you have property collateral or need an unsecured non-collateral loan, we match your target country, university, and financial profile with the most cost-effective loan product.
Secured / Collateral Loans
Backed by residential property, commercial real estate, or fixed deposits. Enjoy the lowest interest rates and highest loan amounts.
- Loan Amount: Up to ₹1.5 Crore
- Interest Rate: 8.5% – 10.5% p.a.
- Repayment: Up to 15 Years + Moratorium
- Lenders: SBI, BoB, Union Bank, Axis Bank
Unsecured / Non-Collateral Loans
Zero property or asset pledge required. Approved purely based on the student's academic merit, GRE/IELTS score, and co-applicant income.
- Loan Amount: Up to ₹75 Lakhs
- Approval Time: Within 48 to 72 Hours
- Pre-Visa Sanction: 100% Accepted by Emabssies
- Lenders: HDFC Credila, Avanse, Auxilo, InCred
USD/GBP Loans (No Co-Signer)
For students targeting top 300 universities worldwide. Disbursed directly in USD, GBP, or EUR without requiring an Indian co-signer or property.
- Coverage: 100% Tuition & Living Costs
- Currency: Disbursed directly in USD / GBP
- Credit History: Builds US/UK Credit Score
- Lenders: Prodigy Finance, MPOWER
Country-Specific Proof of Funds (POF) Requirements
Every embassy enforces strict financial solvency rules. LPS Global guides you through official GIC programs, German Blocked Accounts, and bank statement verification.
Germany Blocked Account
Mandatory Sperrkonto required for German student visa. Students withdraw €992 monthly once in Germany for living expenses.
Canada GIC Program
Guaranteed Investment Certificate (GIC) is mandatory for Canada SDS visa stream to prove 1-year living expenses.
UK 28-Day Funds Rule
Total pending tuition fees plus £1,334/month (London) or £1,023/month (Outside London) held consecutively for 28 days.
USA I-20 & F-1 Visa Solvency
Liquid funds or sanctioned loan letter matching or exceeding 1st year total cost of attendance listed on the Form I-20.
Education Loan EMI & Repayment Calculator
Adjust the sliders to simulate your monthly installments, total interest, and complete repayment projection after your moratorium period.
*Note: Education loans feature a moratorium period (course duration + 6 to 12 months) where you do not need to pay the full EMI.
5-Step Paperless Loan Approval Process
We handle negotiations, documentation, bank follow-ups, and disbursement tracking end-to-end so you never have to stand in bank queues.
Profile Audit
We evaluate academic scores, target country, and co-applicant income to determine highest eligibility.
Bank Matching
We compare 15+ banks and NBFCs to secure you the lowest interest rate and best tax benefit options.
Digital Upload
Doorstep document pickup or 100% digital portal upload with zero branch visits needed.
Sanction Letter
Official loan sanction letter issued within 48 to 72 hours, perfectly formatted for embassy visa filing.
Fee Disbursement
Funds wire-transferred directly to your overseas university or credited to your student living account.
Complete Forex, Remittance & Insurance Desk
We safeguard your family from excessive bank exchange markup rates and hidden transfer fees through authorized institutional tie-ups.
Student Forex Cards
Zero markup multi-currency cards. Lock exchange rates in advance and make ATM withdrawals worldwide with zero cross-currency fee penalties.
International Wire Transfer
Fast and compliant tuition payments through authorized RBI channels (Flywire, Convera, Western Union) with live A2 confirmation within 12 hours.
Mandatory Health Insurance
OSHC for Australia, German Statutory Health Cover (TK/Barmer), and comprehensive student medical plans with cashless hospital network access.
Section 80E Tax Benefits
Co-applicants can claim 100% tax deduction on the total interest paid on education loans for up to 8 years under Section 80E with no upper ceiling.
Frequently Asked Questions on Study Abroad Loans
Get honest answers from LPS Global's certified education finance advisors.
Get Your Education Loan Pre-Approved Today
Connect with our senior education finance counsellors. Get customized loan comparison sheets and sanction letters with zero hassle.