Education Loan for BDS

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Table of content

  1. Education Loan for BDS in India
  2. Education Loan for BDS Abroad
  3. Documents required for Education Loan for BDS
  4. How to Apply for an Education Loan for BDS?
  5. Scholarships for BDS
  6. FAQ's
  7. Need Help? Ask Here!

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BDS short for Bachelor in Dental Surgery is an in-demand degree for medical aspirants. The consumption of sugar is growing each day and with it, the risk of tooth decaying too is increasing. Dental surgeons will be in demand until people improve their eating habits, which looks like a distant dream.

The BDS in Indian private colleges can cost from 6 to 9 lacs. BDS abroad can cost from 5 to 20 lacs. To finance your dream of completing BDS, you can take an education loan to study in India or abroad. Analyze different types of education loans and then select the best one according to your profile and requirement.

Expenses shouldn't be your concern if you are passionate about pursuing BDS!
Education Loan

Education Loan for BDS in India

Medicine courses in India are among the top in the world and hence are on the costlier side. However, you can take an education loan to complete BDS in India. Here are the features of an education loan to study BDS in India.



Loan Amount

Up to 2 Cr collateralized Loan
Up to 40 lacs non-collateral loan
A higher amount depending on the need and profile of the applicant or co-applicant can be tried

Expenses covered

Study costs:

Admit fee
Tuition fee
Exam fee
Cost of books
Library or laboratory fee
Other instruments required for the course

Living expenses

Accommodation cost
Hostel fee

Other Expenses

Miscellaneous expenses

Moratorium period

Course period plus 6 or 12 months

Repayment tenure

Up to 15 years

Processing fees

10k + 1800 GST or 1 to 2% of the loan amount depending on the lender.


Top Banks Offering Education Loans for BDS in India

Here’s a list of public and private lenders who can finance your dream of pursuing BDS in India.

Eligibility for Education Loan for BDS in India

Meet the following eligibility criteria for an education loan for BDS in India.

  • Must be an Indian Citizen
  • Should have completed his/her 12th from a recognized board with at least 50% aggregate marks
  • Must have secured admission into a college for BDS through merit or entrance exam

Best Colleges for BDS in India

  • Manipal College of Dental Sciences, Manipal
  • Nair Dental College, Mumbai
  • Institute of Medical Sciences BHU, Varanasi
  • Government Dental College And Research Institute, Karnataka
  • Saraswati Dental College, Lucknow
  • Inderprastha Dental College & Hospital, Lucknow
  • VSPM’s Dental College & Research Center, Maharashtra, Chhattisgarh
  • Guru Nanak Institute of Dental Sciences & Research
  • Govt. Dental College, Kottayam
  • RajaRajeswari Dental College & Hospital
Select the best offer that suits your profile from various education loan schemes!
Education Loan

Education Loan for BDS Abroad

Pursuing your BDS abroad can be very rewarding for your career as they have advanced technologies that can transform you into a professional. However, the expenses to study abroad are relatively very high compared to that in India.

Loan Parameters



With collateral up to 1.5 Cr
Without collateral up to 1 Cr
If the expenses are higher, then you can request for a higher amount provided you have a good co-applicant or collateral

Expenses covered

Study costs:

Fee for the admission
Fee payable for tuition 
The fee amount for the exams
Expenses to buy books
The amount for the fee of lab/laboratory
Expenses for any other required instruments for study

Living expenses

Cost of accommodation

Other Expenses

Travel expenses
Miscellaneous expenses

Moratorium period

Course duration + 12 months

Repayment tenure

Up to 15 years

Processing fees

10k + 1800 GST or 1 to 2% of the amount(purely dependent on the type of lender)


Top Banks Offering Education Loan for BDS Abroad

Here’s a list of public and private lenders who can finance your dream of pursuing BDS in India.

  • Union Bank of India
  • State Bank of India
  • Axis Bank
  • Bank of Baroda
  • Karur Vysya Bank
  • IDFC First Bank
  • ICICI Bank
  • Incred
  • Avanse
  • Auxilo
  • HDFC Credila

Eligibility for Education Loan for BDS Abroad

  • Should be a citizen of India
  • Should have completed 10+2 with at least 50%
  • Attend the entrance exam required for the country you are going to and get admission into it
  • Should write language proficiency tests like TOEFL or IELTS.

Best Colleges for BDS Abroad

BDS in itself is a great career choice. The following universities will increase the value of your BDS degree by many folds.

  • University of Queensland, Australia
  • University of Adelaide, Australia
  • Gulf Medical University, UAE
  • James Cook University, Australia
  • University of Plymouth, UK
  • Charles Sturt University, Australia
  • University of Liverpool, UK
  • University of Sheffield, UK
  • Karolinska Institutet, Sweden
  • University of Hong Kong, China

Documents required for Education Loan for BDS

Once you are done with checking your eligibility and selecting the university or college you want to go to, you can arrange the following documents for an education loan for BDS.

1. Application form:

An application form of the bank you want to go through along with 2 photographs and your signature. This form can be obtained from your WeMakeScholars financial officer.

2. Documents of the applicant and Co-borrower or the guarantor

  • Proof of identity:
    • PAN card or Aadhar card
    • Passport if you want to pursue BDS abroad
  • Proof of residency:
    • Passport
    • Voter’s ID card
    • Bank account statement
    • Ration card
    • Electricity or telephone bill

You will have to arrange two residency proofs if your current and permanent address is different.

  • Co- applicant’s documents(6 months bank account statement)
    • Show salary credits if you are salaried
    • It must show business transactions if you are self-employed

3. Academic documents of the applicant

    • Marksheets of 10th, and 12th
    • Fee breakdown
    • Admit proof with the total duration of the course mentioned on it
    • Scorecard of entrance exams

4. Co-applicant’s income documents

  • Salaried
    • Pay slips of the last 3 months
    • Form 16 of 2 years
    • Employer’s ID card
    • ITR of the last 2 years
  • Self-employed
    • ITR of last 3 years
    • Balance sheet with profit and loss account of the last 3 years
    • Address proof of the business

5. Other documents

  • A declaration that your co-applicant is responsible for any expenses that are not covered by the amount of the education loan ( format of the letter will be provided by the WeMakeScholars financial officer)
  • A notarized joint affidavit with the co-applicant in the format specified by the bank ( request your WeMakeScholars financial officer to provide the format of the letter)

6. Additional documents(optional)

  • Advance payment receipts of any payment made to the university
  • Any pending loan statements from the last 1 year.
  • In a 100 rupee stamp paper, explain any gap or break that you have had in your studies (Format to be provided by your financial officer from WeMakeScholars)

7. Collateral Documents

These are optional. They are only required if you are going for a secured education loan. Also, the list of collateral documents differs from state to state. Check the below list to check documents and other requirements according to the state you are applying from.

Read More
Learn all the requirements needed for a collateral to be accepted for an education loan!

How to Apply for an Education Loan for BDS?

You can apply for an education loan for BDS by going through banks. However, do this only if you have a lot of time and patience, and also if you want an education loan at a higher rate of interest. Otherwise, you can go through WeMakeScholars for a faster education loan at a lower interest rate.

Why Choose WeMakeScholars For An Education Loan for BDS?

WeMakeScholars is an organization supported by the Ministry of IT, Govt. of India. We are partnered with 14+ banks(Public/Pvt) to provide faster education loans to deserving students for higher education in India and abroad.

Lower interest rates: When you go through us, you can process your education loans at a 0.5% to 2% lower rate of interest than when you go directly through banks.

Faster process: You can get an education loan 50% faster when you go through WeMakeScholars when compared to going directly through banks.

Tax benefits: Education loans have certain tax benefits, which we will explain you about and will also explain how you can avail of those benefits.

End-to-end support: We provide students with support right from loan sanction until repayment, even at a totally different timezone.

Cashback: Earn a cashback of Rs 3000 by taking an education loan through WeMakeScholars.

How to Apply for an Education Loan for BDS through WeMakeScholars?

Avail of the above benefits by taking an education loan through WeMakeScholars by following the below-mentioned process.

Step 1: Request a callback from the website

Step 2: You will receive a callback from WeMakeScholars financial officer. Provide him/her with all the required details.

Step 3: The financial officer will then analyze your profile and will suggest you the best possible option.

Step 4: Choose your preferred lender and then submit all the asked documents.

Step 5: Post-submission of all the documents, wait for the decision on your profile. You will receive a confirmation within the promised timeline.

Step 6: After loan approval sign the loan agreement and receive your sanction letter.

Claim your ₹3000 cashback today by applying for an education loan through WeMakeScholars!
Short of funds despite getting through a scholarship? Manage them through an education loan!


  • Can I get an education loan for BDS?

  • How much money is required for BDS in India?

Our Education Loan team will help you with any questions

Naresh Kumar
WeMakeScholars- supported by IT Ministry, Govt. of India.
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