Education Loan for Poland: Indian Banks That Say Yes

Education Loan for Poland: Banks and NBFCs, Collateral, How Much to Borrow and When to Apply

Indian lenders fund study in Poland like study anywhere in the EU. For a ₹10–25 lakh master's at a public university, most families can borrow without difficulty. For a ₹1.3–2 crore MD, the loan is usually secured on property, and the timing matters because Polish universities often want money before they issue the visa letter.

₹7.5 lakh

usual limit without collateral under the government guarantee scheme

Sec. 80E

tax deduction on loan interest

Before the visa

when the first instalment is due

Typical loan sizes for Poland

Course	Tuition	Living costs	Typical loan
Two-year master's at a public university	₹5.3–11 lakh	₹12 lakh	₹10–25 lakh
Three-year bachelor's at a public university	₹8–16 lakh	₹17 lakh	₹15–35 lakh
Bachelor's at Kozminski	₹31 lakh	₹22 lakh	₹40–55 lakh
Six-year MD	₹87 lakh–1.2 crore	₹35 lakh	₹80 lakh–1.5 crore

Living costs at PLN 2,000 a month, PLN 2,500 in Warsaw. €1 = ₹106.27, 1 PLN = ₹24.18 (European Central Bank reference rates (EUR/INR 106.272, EUR/PLN 4.3945), 23 October 2026)

Which Polish universities fit your marks and budget?

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What lenders ask for

The admission letter, with the fee per semester and the programme length.
Proof that the university is accredited: a link to its page on the Polish ministry's register or a letter from the university.
Your marks, English score and passport.
The co-applicant's income proof and credit report.
Property documents or fixed deposits for a secured loan.

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

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Disbursal and the zloty

Lenders pay tuition straight to the university, semester by semester. Because about half the Polish universities charge in zloty, the rupee amount changes with the exchange rate; ask the lender to sanction a margin of 5–10% above today's figure.

Tax

Interest on an education loan is deductible under Section 80E for up to eight years. Remittances funded by an education loan carry a lower or no TCS compared with self-funded transfers; ask your bank which rate applies in your year.

Education loan for Poland: Frequently Asked Questions

Which banks give education loans for Poland?

Public-sector banks such as SBI, Bank of Baroda, Canara Bank and Union Bank, private banks such as Axis and ICICI, and NBFCs such as HDFC Credila, Avanse and Auxilo all lend for accredited Polish universities.

Can I get an education loan for MBBS in Poland?

Yes. Lenders treat a six-year MD at a public Polish medical university as a standard course. Because the total is large, expect to offer collateral.

How much should I borrow?

Tuition plus living costs, minus what the family can pay. For the visa you must also show PLN 1,010 a month plus rent and PLN 2,500 for the journey home; a sanction letter can be part of that evidence.

When should I apply for the loan?

As soon as you have the admission decision, before you pay the first semester. Polish universities often issue the visa letter only after payment, so a slow sanction can cost you the intake.

Is a loan for a Polish private university harder to get?

It can be. Lenders look at the university's accreditation and reputation. Kozminski, SWPS and Lazarski are well known; for smaller private schools, provide the accreditation proof and the MSWiA approval.