Education Loan for the UK

An Education loan can offer up to 1.5 Crores at an interest rate starting from 10.25% per annum for your education in the UK. The education loan provides coverage for tuition fees, cost of living, down payment required for CAS, and many other academic expenses. You can choose either secured or unsecured education loans to study in the UK.

Unsecured or without collateral education loan for the UK

You can avail of up to 45 Lacs for Higher education in the UK, with a repayment period of 15 years. For unsecured loans full simple interest or partial simple interest is to be paid during the moratorium period as they are generally offered by private banks or NBFCs.

Parameters	Details
Loan Limit	Up to 1 Crore
Expenses covered	Tuition fees, Accommodation charges, Cost of living, Down payment for CAS/ATAS, Cost of books, uniforms, Laboratory, and Library fees
Eligible courses	Master’s, MBA, PG Diploma, Ph.D., Professional/ vocational courses, UG
Interest rate	Starts from 11.5%
Moratorium Period	The total duration of the course + 6 months/1-year
Repayment Duration	Upto 15 years including the moratorium
Repayment policies	Simple or partial simple interest is to be paid during the moratorium period
Eligibility Criteria	Applicant should be a citizen of India Applicant should be 18 years or older Should have received admission by qualifying for the required entrance exam

Tip: Try to apply for top universities in the UK to get the most out of your unsecured education loan. Higher loan amounts are offered to students enrolling in top universities

To check if your university is on the prime list of any of the banks or to know more about your eligibility for an unsecured loan request a callback or fill in the common application form.

Top Banks that offer Unsecured Education Loans for the UK

ICICI Bank
Axis Bank
IDFC Bank
Incred
Avanse
Auxilo
HDFC Credila
EliteScholars

How to get an unsecured student loan for the UK?

Step 1: To get started on your loan process, request a callback from us or fill in the common application form for an education loan.

Step 2: You will be contacted by a financial officer from our team who will ask for your basic information. Provide them with the requested details.

Step 3: The financial officer will perform a thorough analysis of your profile and provide you with the details of all the lenders you are eligible of getting a loan. Choose one lender from the provided list.

Step 4: Upload all the documents from the list of documents given to you on the WeMakeScholars secure document portal.

Step 5: As soon as you are done submitting your documents you will be logged in and the result of your application will be told to you within 2-6 days.

Step 6: Sign the loan agreement and receive the sanction letter from your lender.

Issues faced by students when approaching the banks directly for an unsecured loan

Alternative options are left unexplored when a lender is approached directly
When the interest rates are not negotiated for, the students end up paying a lot more than they need to
The process of applying for an education loan is not clearly explained, leaving the students feeling confused
No post-sanction assistance is provided by the banks

Benefits of going through WeMakeScholars for an unsecured education loan

Here are some benefits you get when you process your unsecured education loan with us!

● Transparency: When a lender is approached directly, the students are provided with an opinion that is biased towards the services provided by them. In order to get the full picture of the pros and cons of the lender you need a third perspective, which is WeMakeScholars.

● Automatic 0.5% reduction in ROI: As WemakeScholars is a government-funded initiative, an automatic reduction in the ROI of 0.5% is offered on your education loan.

● Negotiation: We negotiate on behalf of you to get your ROI reduced. There have been many cases where the ROI has been reduced from 14% to 12% upon negotiation.

● Cashback: You will receive a cashback of 3K from us after your loan amount has been successfully disbursed.

Documents required for an education loan without collateral for the UK

Below provided are the documents required to acquire an unsecured education loan for Seeking higher education in the UK

Parameter	Details
Basic documents	1. The WeMakeScholars education loan form filled in with all the required details. 2. Identity proof - PAN card and passport 3. Proof of residency (Any of the following): Voter ID Card Bank account statement Passport Electricity Bill Aadhar Ration card Telephone bill Note: If the permanent and current address is not the same two different address proofs are required. 4. The 6-month bank account statement of the co-borrower (Salary or Personal) If the co-borrower is, Salaried: 1 year of salary credits Self-employed: 1 yr business transactions 5. Personal Asset & Liability Statement *All the documents should be self-attested.*
Applicant academic documents	1. Marksheets and certifications received in 10th, 12th, and degree 2. Proof of enrollment into the institution 3. Cost/ Fee structure of the course 4. IELTS/GMAT/GRE Scorecard. 5. Print-out from of the university ranking
Financial Co-applicant Income documents	If Salaried: 1. 3-month salary slips 2. Form 16 of previous 2 years 3. ID card of the employer 4. ITR of previous 2 years If Self-employed: 1. ITR for the previous 3 years 2. Profit & Loss account and Balance sheet of last 3 years 3. Business address proof
Other Documents	A letter confirming that any extra amount (which is not covered by the education loan would be covered by the co-applicant.
Additional docs	1. An invoice for expenses such as travel, laptop, etc has to be brought if a loan is being asked for it. 2. Receipt for any transactions made in advance. 3. Any remaining loan statements from the preceding year. 4. Letter explaining the gap. Sample- on Rs. 100 stamp paper. 5. If relevant, a letter explaining the lack of a co-applicant’s Income tax return

Repayment Plan for Unsecured Student Loans in the UK

Considering that the interest rate starts at 11.5% for unsecured loans and full simple interest is to be paid in some cases, the table below shows the possible EMI payment schedule.

Loan amount: 25,50,000

Rate of Interest: 11.5%

Repayment tenure: 10 Years

Grace period: 6 months

Repayment cycle	EMI	Interest portion	Principal portion	Loan Outstanding
End of 1st year	35852	23175	12677	2405573
End of 2nd year	35852	21638	14214	2243632
End of 3rd year	35852	19914	15938	2062055
End of 4th year	35852	17981	17870	1858460
End of 5th year	35852	15815	20037	1630177
End of 6th year	35852	13385	22467	1374212
End of 7th year	35852	10661	25191	1087210
End of 8th year	35852	7606	28246	765406
End of 9th year	35852	4181	31671	404580
End of 10th year	35852	340	35512	0

Secured or without collateral education loan for the UK

You can receive funding of upto 1.5 Crores at an interest rate of 10.25% for your academic expenses by going through secured loans, which are mostly offered by public banks, you don’t have to pay any interest during the moratorium period

Parameter	Details
Loan Limit	Upto 1.5 crores
Expenses covered	Tuition Fee, Accommodation charges, Cost of living, Down payment for CAS/ATAS, Cost of books, uniforms, Laboratory, Library fee
Eligible courses	Master’s, MBA, PG Diploma, Ph.D., Professional/ vocational courses, UG
Interest rate	Starts at 8.55%
Moratorium Period	The total duration of the course + 6 months
Repayment Duration	Upto 15 years
Repayment policies	Payment of interest during the moratorium period is not mandatory
Eligibility Criteria	Applicant should be a citizen of India Applicant should be 18 or older Should have received admission by qualifying for the required entrance exam
Types of Collateral	Immovable property: House, Flat, Non- agricultural land Liquid security: Fixed deposit, Government bonds, LIC policies
Value of collateral (In case of a collateralized loan)	Immovable property - 1.25 times the loan amount Liquid security - 1.1 times the loan amount

Banks that offer secured education loans for the UK

State Bank of India
Bank of Baroda
Karur Vysya Bank
IDFC Bank
Axis Bank
ICICI Bank
IDFC Bank
HDFC Credilla
Incred
Avanse
Auxilo

How to get a Secured education loan for the UK?

Step 1: To get started on your process of getting a secured education loan, contact us by requesting a callback.

Step 2: You will be getting a call from one of our financial officers who will then send you a common application form. Fill in the form with the details requested.

Step 3: The financial officer will analyze your profile and provide you with details of the lenders you are eligible to get a loan. Pick a lender.

Step 4: Submit all the mentioned documents in your document checklist to the lender branch nearest to you

Step 5: The result of your loan application will be told to you in 15-20 days.

Step 6: Sign the loan agreement and receive your loan sanction letter

Issues faced by students when approaching the banks directly for a secured loan

- Public banks generally take a very long time to process an education loan (Around 2 months! )
- Because most of the major public banks are less technologically advanced most of the process has to be done in person
- When you process your loan directly through a public bank, you will end up taking numerous rounds to the bank
- Banks do not have the proper knowledge on how to handle multi-city cases.

Benefits of going through WeMakeScholars for a secured education loan:

Our organization is an initiative started by the government of India, Ministry of IT and electronics which strives to help students pursue their dream of studying abroad. All the services provided by WeMakeScholars are free of cost!

Convenient Process: From filling in the application form to receiving the sanction letter most of the process can be done online when you process your loan through WeMakeScholars.
Lesser processing time: when you go through with WeMakeScholars you can get your entire loan processed in a short span of 15-20 days.
Expertise: As WeMakeScholars helps education Loans get sanctioned all across india, we’ve dealt with complicated cases of all kinds. So no matter how impossible you might think your case is, we can help you get it sanctioned.
Multi-city cases: The cases where the permanent and current addresses are not the same, they are usually rejected. But we can get it sanctioned for you as we have expertise in dealing with multi-city cases.

Documents required for an education loan with collateral for the UK

In order to avail of a secured student loan you need to have all the applicant and co-applicant documents mentioned above in the documents required for unsecured loans along with the following property documents.

1. Property Title Deed

2. Registered Sale Agreement / Gift Deed / Will

3. The original receipt of registration for the above-mentioned agreement

4. If applicable, a Letter of allotment by the Municipal Corporation / Authorized Govt. Authority Like MHADA, CIDCO, HUDA, DDA, JDA, GIDC, etc.

5. Link documents for 30 years or Past chain of sale deed establishing title or EC is required.

(If you own the property for more than 30 years, then the previous sale deed is enough.)

6. The newest property tax bill and Latest electricity bill bearing the same address

7. A Copy of the municipality-approved building plan or plot layout.

Each city has its own list of document requirements. To know more about the city-specific documents required for a collateralized loan contact us by requesting a callback.

The repayment plan for Secured education loans in the UK

Considering that the current interest rate for secured loans starts from 10.25% and that you do not have to pay anything during the moratorium period the Amortization schedule would look something like this

Loan amount: 55,00,000

Rate of Interest: 10.25%

Repayment tenure: 15 years

Repayment cycle	EMI	Interest portion	Principal portion	Loan Outstanding
End of 1st year	72648	56099	16549	6364358
End of 2nd year	72648	54266	18382	6154047
End of 3rd year	72648	52230	20418	5920445
End of 4th year	72648	49969	22679	5660969
End of 5th year	72648	47457	25191	5372756
End of 6th year	72648	44667	27981	5052622
End of 7th year	72648	41568	31080	4697032
End of 8th year	72648	38126	34522	4302059
End of 9th year	72648	34302	38345	3863341
End of 10th year	72648	30055	42592	3376034
End of 11th year	72648	25338	47310	2834755
End of 12th year	72648	20098	52549	2233528
End of 13th year	72648	14278	58369	1565712
End of 14th year	72648	7814	64834	823934
End of 15th year	72648	633	72015	0

Expenses covered for education loans in the UK

In order to receive CAS/ ATAS a down payment of around 1-3 Lacs is to be paid by the applicant/ student.

If you want to pay this amount from the loan the amount has to be disbursed before the VISA application.

Financial requirement

You would need around 1,334 Euros for living in London
You would need around 1,023 Euros for living outside of London
This is a rough estimation of the amount you would need to last 9 months in the UK

All of these expenses can be covered by either taking out an education loan or receiving funding through scholarships. Below mentioned are some scholarships you can avail of to receive funding for your education in the UK.

Scholarships for studying in the UK

Name of the scholarship	Coverage offered by the scholarship
GREAT Scholarships	10,000 euros for a one-year postgraduation course/ one year of master’s
Chevening Scholarships	Complete funding for 1 year (includes tuition fee, monthly stipend, travel costs, and other miscellaneous expenses)
Commonwealth Masters Scholarships	Complete tuition fee, travel expenses, stipend, and other miscellaneous expenses for 1-year master’s course

Scholarships offered by specific institutions

Name of the scholarship	Coverage offered by the scholarship
Dr. Manmohan Singh Scholarships	Complete tuition fee, expenses for airfare, Monthly stipend for living expenses, VISA expenses
The Global Study Awards	A maximum of 10,000 euros is offered
Charles Wallace India Trust Scholarships	Accommodation, living expenses, and travel expenses for usually up to 2-3 months can be extended up to 1 year
Felix Scholarship	Tuition fee, travel expenses, maintenance grant against living expenses

Scholarships offered by specific universities

Name of the Scholarship	Coverage offered by the scholarship
The University of Westminster	Up to 2000 Euros
Coventry University	Up to 3000 Euros
Gates Cambridge Scholarships	University composition fee, maintenance allowance, one-way travel expenses, VISA expenses, Health insurance costs
Edinburgh Global Research Scholarships	Complete tuition fee
University of Sussex Chancellor’s International Scholarships	Up to 5000 Euros
UAL Vice-Chancellor’s Postgraduate International Scholarships	Up to 50,000 euros
Bristol University International Office Scholarships	Up to 26,000 euros only towards tuition fees is offered
The University of West London International Ambassador Scholarships	Upto 2000 euros

Special education loan schemes in the UK

SBI education loan for the UK

SBI offers upto 1.5 crores on secured or collateralized loans for the UK at an interest rate of 10.55%.

Parameter	Details
Loan amount	Up to 1.5 Crores
Rate of interest	10.55% p.a.
Moratorium period	Course duration + 6 months
Loan repayment	15 Years
Processing fee	10K + GST
Repayment policy	Payment of interest during the moratorium period is optional

HDFC Credila education loan for the UK

HDFC Credila offers secured, unsecured, and partially secured loans upto 40 Lakhs at interest rates starting from 9.5%

Parameter	Details
Loan amount	Up to 40 Lakhs
Rate of interest	Starts from 9.5% p.a.
Moratorium period	Course duration + 12 months
Loan repayment	10 Years
Processing fee	10K + GST
Repayment policy	Partial simple interest is to be paid during the moratorium period

Avanse education loan for the UK

Avanse provides unsecured, secured, and partially secured loans with no upper limit for higher studies in the UK (depending on the applicant’s profile) at an interest rate of 13.65% p.a.

Parameter	Details
Loan amount	Up to 45 Lakhs
Rate of interest	Starts from 11% to 14%
Moratorium period	Course duration + 6 months
Loan repayment	Up to 5 Years
Processing fee	1-2 % of the loan amount
Repayment policy	Partial simple interest is to be paid during the moratorium period

EliteScholars

WeMakeScholars has launched an initiative under the name EliteScholars which aims to provide services to Indian students wanting to pursue further studies in the field of Science, Technology, Engineering, or Mathematics (STEM) or Management (MBA) in the UK

Key features of EliteScholars
Financial co-applicant is not required
Receive the sanction letter within 4 working days
100% of the loan requirement is met

Education loan for Masters in the UK

You can get a secured and unsecured loan in order to pursue higher education in the UK. Some of the most commonly pursued master’s in the UK include MA, MSc, MFA, and MPhil
From an education loan for a Masters in the UK without collateral, you can receive up to 45 Lakhs.

Education loan for MBA in the UK

An Education loan for MBA in the UK provides upto 1.5 crores towards the tuition fee, expenses, caution fee, and other academic expenses through a secured education loan.

Specific requirements required for a student loan in the UK

Confirmation of Acceptance for Studies (CAS)

It acts as proof that a student has been offered an unconditional letter. An unconditional letter is an invitation offered to a student when they meet all the criteria required by the university.

Generally, the following are mentioned in the CAS letter

Sponsor university license number.
Title of your course.
Start and end date of your course.
The tuition fee for the course.
The amount you have already paid from the tuition fee.
The amount that you have paid for the accommodation (if any).
Scores of IELTS or TOEFL.

Academic technology approval scheme certificate (ATAS)

For a few STEM-related courses that are considered sensitive in the UK, you would need to apply for an Academic technology approval scheme certification or ATAS.

Both the CAS and ATAS certificates are only valid for 6 months. You need to apply for your student VISA within six months of receiving the CAS and ATAS.

Universities recognized for Education loans in the UK

All the banks have their own list of institutes/ universities for which special loan products are available. Many institutes from the UK are available on the list. To know if your university is present in any of these lists talk to the financial officers at WeMakeScholars by requesting a call.

To gain valuable insights and guidance on this topic, we recommend watching our video on the complete guide to UK education loans. This comprehensive video will provide you information and resources to help you navigate the UK education loan process.

Education Loan FAQs

Can I get a study loan for the UK?

Yes, you can get a student loan starting from 10 Lakhs to upto 1.5 Cr to pursue your bachelor's or master’s by applying for an education loan through public banks, private banks, or NBFCs at interest rates starting from 10.55%. On processing your loan through WeMakeScholars you can get the interest rate reduced by upto 2%
Can I get an unsecured loan for the UK?

Yes, you can avail of an unsecured loan for the UK by applying for your loans through private banks or NBFCs receiving upto 45 Lakhs as funding. Contact WeMakeScholars to know more about the lenders who offer unsecured loans.
Does the UK accept education loans?

Yes, UK banks accept education loans as a means to finance higher education in the UK.
Can I get an education loan in the UK from India?

Yes, You can get an education loan to continue with your studies further in the UK by taking out a loan from one of the many public banks, private banks, and NBFCs available to you. To know more about the application process and collateral requirements, reach out to WeMakeScholars
What is the graduate route in the UK?

By going through with the UK’s graduate route people from other countries trying to pursue higher studies in the UK can apply to reside in and work/ search for a job after the course or after graduating.
Is it worth moving to the UK from India?

Most of the skilled and deemed professionals from all over the world agree on the UK is one of the best places to study and settle. The UK provides courses that have proven to meet the standards of today’s highly competitive marketplace. Know more about the cost of living and eligibility by watching episode 21 of loanflix
How much education loan can I get for the UK?

You can receive up to 1.5 crores as funding for your education loan on going through with public banks
What is the 28-day rule for a UK visa?

If the loan amount is disbursed into your account, you must demonstrate that the funds were there for 28 days in a row and that the 28 days fell within the 31-day window after your VISA application. The 28-day rule is not applicable if you are using your loan sanction letter. Apply for an education loan for the UK from WeMakeScholars.

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