By SBI Global Ed-Vantage
| Item | Terms, October 2026 |
|---|---|
| Amount | Above ₹7.5 lakh up to ₹3 crore |
| Interest | 9.65% with collateral; 9.15% for select institutions with collateral (floating, linked to SBI's 8.15% external benchmark rate) |
| Collateral | Required, except up to ₹50 lakh for select premier institutions |
| Processing fee | 0.50%, minimum ₹10,000, maximum ₹50,000, plus GST |
| Repayment | Up to 15 years, starting six months after the course |
Other public-sector banks, such as Bank of Baroda, Union Bank, Canara Bank and PNB, run their own overseas education schemes. Compare the current rate and collateral rules on each bank's own page, not on aggregator sites.
Which Polish universities fit your marks and budget?
A counsellor calls you back within one working day. Free, no obligation.
Or message us on WhatsApp · +91 62385 03277
How much to borrow for Poland
For a public-university bachelor's at ₹3.2 lakh a year plus living costs of about ₹4.8 lakh a year, three years cost roughly ₹20–22 lakh in total. Medicine is a different scale: six years of tuition alone can pass ₹90 lakh. See fees and cost of living, and our education loan guide.
Which Polish universities fit your marks and budget?
A counsellor calls you back within one working day. Free, no obligation.
Or message us on WhatsApp · +91 62385 03277
Tips
- Apply for the loan as soon as you have the admission letter; sanction can take weeks.
- Ask the bank to disburse tuition directly to the university's account.
- Keep the sanction letter for the visa file.