HEST 2026
India's Largest Higher
Education Scholarship Test
Total Scholarships up to 2 Cr
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The best way to fund
your study abroad
Supported by MeitY, Govt. Of India - Funded 1 Lakh+ students
- Lowest interest rates
- Collateral-free options
- Loans up to ₹3 crore
- End-to-end assistance
Takes 2 minutes · No impact on your credit score
HEST 2026
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WHY SETTLE FOR ONE BANK?
Let 20+ Lenders Compete for You
One profile, every offer. We match you to every lender and return with the best rates side by side - at zero cost.
LENDER
Axis Bank
Competitive rates · Easy process
9.50% p.a.
Walk-in: 10.00% You save 0.50%
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See all 20+ personalised offers - free
Two quick questions. No credit check, no phone number yet.
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No credit check
30 seconds
Zero fee
* Rates are WMS-negotiated and indicative. Actual rate depends on profile, lender approval, and collateral. T&C apply.
+ 17 more lenders →
WHY STUDENTS CHOOSE US
Everything Stacked in Your Favour
Compare 20+ lenders
One profile, every offer. Banks and NBFCs side by side so you never overpay.
Lowest interest rates
Our team negotiates on your behalf to bring down the rate lenders first quote.
Collateral-free options
Loans up to ₹75 lakh without putting up property or security.
Zero service fee
You pay us nothing - ever. We're paid by lenders, not by students.
Dedicated loan officer
One named expert with you from application through to disbursal.
Visa & university support
Guidance that goes beyond the loan - right up to your departure.
NO PROPERTY? NO PROBLEM
Get Up to ₹1.2 Cr Collateral-Free Education Loans
- No security or property
- 100% digital process
- Higher approval chances
- Quick disbursal
0%
Hidden charges
100%
Safe & secure
4.8/5
Rated by students
EDUCATION LOANS BY COUNTRY
Choose Your Dream Destination
USA
Loans up to ₹1 Cr
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UK
Loans up to ₹80 L+
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Canada
Loans up to ₹70 L+
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Germany
Loans up to ₹45 L+
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Australia
Loans up to ₹80 L+
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Ireland
Loans up to ₹50 L+
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France
Loans up to ₹50 L+
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New Zealand
Loans up to ₹50 L+
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EDUCATION LOANS BY COURSE
Funding Tuned to Your Programme
SIMPLE 6-STEP PROCESS
From Eligibility to Disbursal
1
Check eligibility
Quick online assessment
2
Compare offers
From 20+ lenders
3
Choose lender
Pick the best offer
4
Upload documents
Easy digital submission
5
Get approval
Quick sanction
6
Disbursal
Funds to university
Check your eligibility for FREE →
No impact on your credit score · Zero service fee
26,000+ SCHOLARSHIPS
Find the Scholarship You Qualify For
India's largest scholarship database - updated weekly. Every scholarship is verified, filterable, and linkable to a WMS loan for the remaining amount.
Partial Funding
Education Future International Scholarship - USA & Non-USA 2026
Partially funded scholarship, Open to Indian nationals. Study at Universities in all the countries, except India. Award: INR 2 lakhs to INR 10 lakhs.
Partial Funding
The Institute of International Education’s Scholar Rescue Fund (IIE-SRF) 2026
Partially funded scholarship, Open to international students. Study at Partner Universities worldwide. Award: Up to $30,000 with health insurance and relocation expenses.
Partial Funding
Thomas Wall Trust Grants for Individuals 2026
Partially funded scholarship, Open to the UK nationals. Study at Educational Institutions in the UK. Award: Varies.
Partial Funding
KAAD Central, Southeastern and Eastern Europe Programme 2026
Partially funded scholarship, Open to citizens of countries in Central Europe, Eastern Europe, South-Eastern Europe, Central Asia, and the Caucasus. Study at Recognized universities and higher education institutions in Germany. Award: Varies.
Partial Funding
KAAD Scholarship Programme 2 2026
Partially funded scholarship, Open to citizens of developing and emerging countries in Africa, Asia, the Middle East, and Latin America. Study at Recognized universities and higher education institutions in Germany. Award: Varies.
Fully Funded
The Adveniat-KAAD Scholarship Program 2026
Fully funded scholarship, Open to citizens of countries in Latin America and the Caribbean. Study at South, Central, and North America, the Caribbean, and Europe universities. Award: Tuition fee + Living allowance + Travel expenses + Other benefits.
Partial Funding
KAAD Scholarship Programme 1 2026
Partially funded scholarship, Open to citizens of developing and emerging countries in Africa, Asia, the Middle East, and Latin America. Study at Recognized universities and higher education institutions in Germany. Award: Varies.
Fully Funded
The Northcote Postgraduate Scholarship 2026
Fully funded scholarship, Open to the UK nationals. Study at Universities in Australia. Award: Living expenses + Flight tickets + Tuition fees.
Partial Funding
The Mary Trevelyan Hardship Fund by International Students House 2026
Partially funded scholarship, Open to all nationals. Study at Higher Education Institutions in London. Award: About GBP 400.
Partial Funding
Arnold O Beckman Postdoctoral Fellowship 2027
Partially funded scholarship, Open to citizens and permanent residents of US. Study at Any U.S. college, university or institution which offers postdoctoral fellowships and holds a 501(c)(3). Award: USD 224,000 over 2 years for salary.
Partial Funding
RSPCA Australia Sybil Emslie Animal Law Scholarship 2026
Partially funded scholarship, Open to Australian nationals. Study at Law schools in Australia. Award: AUD 2,500 + certificate.
Partial Funding
Dementia Grants Program 2026
Partially funded scholarship, Open to permanent residents of Australia or New Zealand. Study at Any Australian university. Award: Varies.
Partial Funding
Baden Württemberg Ministry of Science, Research and Art, Mathilde Planck Lectureship Program (MPL) 2026
Partially funded scholarship, Open to all female nationals. Study at Universities in Germany. Award: Remuneration.
Partial Funding
Leverhulme Trade Charities Trust Postgraduate Bursaries 2026
Partially funded scholarship, Open to UK residents. Study at Educational Institutions in the United Kingdom. Award: GBP 5,000 per year.
Fully Funded
AP Ambedkar Overseas Vidya Nidhi Scholarships for SC students 2026
Fully funded scholarship, Open to students from Andhra Pradesh. Study at Universities in the USA, Canada, UK, Singapore, Australia, Germany, New Zealand, Sweden, Netherlands, France, Denmark, Russia, China, Philippines and Kazakhstan. Award: up to INR 10,00,000/-.
Fully Funded
Klassik Stiftung Weimar Fellowships 2026
Fully funded scholarship, Open to all nationals. Study at Institutions in Germany. Award: Upto EUR 1,500 per month + Free accomodation.
Fully Funded
Fulbright New Zealand General Graduate Awards 2027-28
Fully funded scholarship, Open to New Zealand nationals. Study at Universities in the US. Award: Up to USD 50,000 + other benefits.
Partial Funding
British Hydrological Society And JBA Trust Studentship Award 2026
Partially funded scholarship, Open to all nationals. Study at Universities/Institutions in the UK. Award: up to GBP 3,000.
Partial Funding
Maharaja Sayajirao Gaikwad - SARTHI Scholarship Scheme 2024
Partially funded scholarship, Open to Maharashtrian students only . Study at Any foreign university . Award: Ranges between 30-40 lakhs.
Partial Funding
State Scholarships For Slovenian Students 2026
Partially funded scholarship, Open to applicants of Slovenia. Study at Any university around the world. Award: 100.64 euros.
Partial Funding
Patrick Malone & Associates Scholarships 2026
Partially funded scholarship, Open to all nationals. Study at Law schools in United States. Award: USD 5,000.
Fully Funded
Wellcome Early Career Awards 2026
Fully funded scholarship, Open to the UK, Ireland and Low or middle income country nationals. Study at Universities/Research Institutions in the UK, Republic of Ireland, Low- or middle-income countries (apart from India and mainland China). Award: Salary + up to GBP 400,000 for research expenses.
Fully Funded
Fulbright Foreign Language Teaching Assistant (FLTA) Program (For Indians) 2027-2028
Fully funded scholarship, open to Indian nationals. Study at Universities/Institutions in the US. Award: Monthly stipend + travel expenses + health insurance.
Partial Funding
IPBA Scholarship Program 2026
Partially funded scholarship, Open to applicants from Asia-Pacific countries. Study at Law organizations in Asia-Pacific region. Award: Air fare + accommodation.
Partial Funding
Wahlgrenska Foundation Scholarships 2026
Partially funded scholarship, Open to all nationals. Study at All institutions around the World. Award: SEK 100,000.
Partial Funding
Research Grants by The Leakey Foundation 2026
Partially funded scholarship, Open to all nationals. Study at Any university or research institution in the World. Award: up to USD 30,000.
Partial Funding
GPSTab Scholarship 2026
Partially funded scholarship, Open to all nationals . Study at United States of America (USA). Award: USD 2,500.
Partial Funding
DRS Scholarship 2026
Partially funded scholarship, Open to all nationals . Study at United States of America (USA). Award: USD 1,000.
Fully Funded
Wellcome Career Development Awards 2026
Fully funded scholarship, Open to all nationals . Study at Universities/Research Institutions in the UK, Republic of Ireland, Low- or middle-income countries (apart from India and mainland China). Award: Salary + research expenses.
Partial Funding
E.C. Harwood Visiting Research Fellowships 2026
Partially funded scholarship, Open to all except US nationals. Study at Great Barrington. Award: USD 350 stipend per week + other benefits .
Partial Funding
Food Safety Auditing Scholarship and Education Travel Grant 2026
Partially funded scholarship, Open to all nationals. Study at USA, Canada or Mexico colleges or universities. Award: USD 3,000 for 1 year.
Fully Funded
Fulbright Foreign Student Program for citizens of Bosnia and Herzegovina 2027-2028
Fully funded scholarship, Open to Bosnia and Herzegovina nationals. Study at Universities in US. Award: round-trip international airfare + stipends + living expenses + other benefits.
Partial Funding
Albert N. Husted Fellowship at University at Albany 2026
Partially funded scholarship, Open to all nationals . Study at Any accredited University in USA. Award: Varies .
Partial Funding
Future Journalism Teacher Scholarships 2026
Partially funded scholarship, Open to the US nationals. Study at Institutions in the US. Award: up to USD 1,000.
Partial Funding
Study Abroad Excellence Award 2026
Partially funded scholarship, Open to Indian nationals. Study at Any university/institution across the globe. Award: Varies.
Partial Funding
Nehru Study Abroad Scholarship 2026
Partially funded scholarship, Open to Indian nationals. Study at Any university across the globe. Award: Rs.30,000 - Rs.5,00,000.
Partial Funding
Higher Education Scholarship Test for Indian Students HEST 2026
Partially funded scholarship, Open to Indian nationals. Study at All the major study abroad destinations . Award: Funding upto 3 lac per student.
Partial Funding
German Research Foundation (DFG) Heisenberg Programme 2026
Partially funded scholarship, Open to all nationals. Study at Universities/Institutions in Germany. Award: up to EUR 4,450 + Other.
Partial Funding
Eugene S. Kropf Scholarship at University Aviation Association (UAA) 2026
Partially funded scholarship, Open to the US nationals. Study at UAA member college or university in the US. Award: USD 500.
Partial Funding
MPOWER Women in STEM Scholarship 2026
Partially funded scholarship, Open to all except US and Canadian nationals. Study at Can be taken at partner universities in the U.S. or Canada. Award: up to USD 5,000.
REAL STUDENTS, REAL STORIES
Trusted by Thousands of Dreamers
Mr. Bhuvan Goud from Government funded Wemakescholars provided excellent support during my education loan journey. As a Financial Officer, he guided me step by step with documentation, bank selection, and loan approval. He was always responsive and patiently answered all my questions. Because of his continuous follow-up and support, my loan process became smooth and hassle-free. I am truly thankful for his dedication and professionalism. I highly recommend Wemakescholars to students seeking education loan assistance.
Was always responsive and patiently answered all my questions
WeMakeScholars, a solid initiative by Government of India to help students to fulfill their dreams of studying Abroad. I personally found this firm really helpful, under the guidance of Palak Gupta ma'am. She is the most professional and dedicated advisor I have contacted and am really thankful to her for guidance across my journey and her contributions in making me achieve my goal.
They have the most professional and dedicated advisors
I had a great experience with WeMakeScholars throughout my education loan journey. A special thanks to Uday Bhasker Atukula for his constant support and guidance during the entire disbursement process. He was always responsive, patient, and made sure every step was completed smoothly.
What I truly appreciate is that his support didn't stop after the loan was disbursed. Even now, whenever I reach out with any questions or need assistance, he is always willing to help and responds promptly. His professionalism, dedication, and commitment to helping students are truly commendable.
I sincerely appreciate all the support from Uday and the WeMakeScholars team. I highly recommend their services to anyone looking for a hassle-free and transparent education loan process
Always responsive, patient, and made sure every step was completed
I am Nisha Babu, currently in the UK for my higher studies. My original education loan was sanctioned through WeMakeScholars (an education‑finance platform supported by the Government of India under the Digital India initiative), and the entire experience was smooth and reliable. Recently, I wanted to transfer my loan to a bank offering a lower interest rate to reduce my long‑term financial burden. Once again, WeMakeScholars stepped in and supported me throughout the loan transfer process.
A special thanks to Ishita Rai, who assigned me to Srivatsav Jilla as my Financial Officer and Sanction Officer. Srivatsav handled everything with remarkable professionalism and speed. He explained every step clearly, guided me through the documentation, and ensured my loan transfer was completed smoothly. Despite the time difference between India and the UK, he was always available — ready to assist, conduct the entire process online, and respond promptly. Even if he missed my emails due to timing, he always answered my messages and calls without fail.
I would happily recommend WeMakeScholars, to anyone who is looking to obtain an education loan or transfer an existing loan, whether from a nationalised bank, Private banks or an NBFC. Their dedication, transparency, and student‑first approach truly make them the best.
Explained every step clearly, guided me through the documentation
I had an exceptional experience with WeMakeScholars while navigating the process of securing an education loan. Their team was incredibly professional and supportive throughout. I want to specifically thank M. Razil for his outstanding assistance. He was always available to guide me, clearly explaining each step and providing valuable advice whenever I needed it. Thanks to his dedication, the entire process became much smoother. I highly recommend their services.
Team was incredibly professional and supportive throughout
WeMakeScholars provided an outstanding and seamless experience in helping me secure my education loan sanction. Navigating student financing can be stressful, but their team turned it into a hassle free process.
A special shoutout goes to Mr. Razil, whose support was absolutely phenomenal. He went above and beyond at every step, displaying immense patience and professionalism. No matter how many questions I had, he was always available to answer my queries through both phone calls and emails.
Thanks to his constant guidance and dedication, my loan was sanctioned without any roadblocks. I highly recommend WeMakeScholars to any student looking for reliable, transparent, and expert assistance with their education loans!
WeMakeScholars provided an outstanding and seamless experience
INDIA'S MOST-WATCHED YOUTUBE SERIES ON EDUCATION LOANS
Started and hosted by WMS co-founder
Damini Mahajan
Co-founder & CEO, WeMakeScholars
When students couldn't find straight answers about education loans, Damini started filming. 200+ videos and 10 million views later - India's most-trusted resource on study-abroad financing.
10M+
Total views
150K+
Subscribers
900+
Videos
WE ARE APPRECIATED BY
Recognised at the Highest Levels
From the NITI Aayog to AICTE, India's most important institutions have recognised WMS as a force for educational access.
2016
January
NITI Aayog
SOCIAL IMPACT RECOGNITION
WeMakeScholars wins top honour from NITI Aayog
Recognised as India's top social-impact education initiative at the 5th Annual Forum for Social Enterprise alongside Sam Pitroda.
AK
Amitabh Kant
CEO, NITI Aayog
SP
Sam Pitroda
Advisor to the Prime Minister
2017
October
AICTE
MoU Signing · New Delhi
GOVERNMENT PARTNERSHIP · MOU
WeMakeScholars signs MoU with AICTE
Formal partnership with All India Council for Technical Education to spread higher-education financial awareness across Indian colleges.
AS
Prof. Anil D. Sahasrabudhe
Chairman, AICTE
REFERRAL PROGRAMME
₹
50,000
/ total bonus
Help a friend fund their study-abroad dream. You earn up to ₹3,000 per successful referral. Get up to a maximum of ₹50,000.
- Earn up to ₹3,000 per successful referral
- Share via WhatsApp, Facebook, or any channel
What should you do now?
1
Share your unique referral link
Share your unique referral link with friends/ Facebook communities/ Whatsapp groups.
2
Your peers apply for their Education loan
Your peers apply for their Education loan to WeMakeScholars using your unique link.
3
Get your referral bonus of up to ₹3,000
Get your referral bonus of maximum Rs 3000 per successful referral. The referral bonus is given once they take their disbursement.
4
Do it all over again
Do it all over again until you get a total referral bonus of Rs. 50,000.
Your Dream University is Closer Than You Think
Check your education loan eligibility for free and get matched with the best lenders - in under two minutes.
Check your eligibility for FREE →No impact on your credit score · Zero service fee
India's best abroad education loan provider
WeMakeScholars is recognised as one of India's best abroad education loan providers, giving students access to 20+ trusted banks and NBFCs in one place. Whether you plan to study in the USA, UK, Canada, Australia, Germany or anywhere else, we help you secure a collateral-free or secured education loan at the lowest interest rate and the highest sanctioned amount - at zero service fee. Our funding experts compare every offer, negotiate on your behalf and stay with you from your first eligibility check right through to disbursal.
Compare and secure the lowest education loan interest rates
Instead of walking into a single bank and accepting whatever it offers, you can compare education loans from leading lenders such as SBI, HDFC Credila, ICICI Bank, Axis Bank, Bank of Baroda, Avanse, Auxilo and InCred side by side. We match your academic profile, target country and course to the right lenders, so you always see the most competitive interest rates, processing times and loan amounts before you decide.
Collateral-free education loans for study abroad
Worried about pledging property? Our collateral-free education loans offer funding of up to ₹75 lakh without any security, with a 100% digital process and quick disbursal. From MBA, MS and MBBS to engineering, data science and pilot training, we arrange financing tailored to your programme and living expenses - so a missing co-applicant or property never stands between you and your study abroad goals.
Scholarships and end-to-end study abroad support
Beyond loans, WeMakeScholars gives you free access to information on 26,000+ international scholarships worth over $2 billion, plus guidance on student visas, SOPs, cost of living and university selection. With end-to-end assistance, transparent advice and no hidden charges, we make studying abroad affordable and stress-free for ambitious Indian students. Choose WeMakeScholars - the best abroad education loan provider for your global dreams.