Introduction
How Much Education Loan Can I Get? With the rising cost of higher education—especially for students studying abroad—traditional public sector banks often fall short in meeting the full financial needs of students. This is where non-banking financial companies (NBFCs) like HDFC Credila and Avanse Financial Services step in, offering customized loan solutions with flexible terms, quick disbursements, and higher loan limits.
But how much loan can you get from HDFC Credila and Avanse in 2025? Maximum Loan Amounts at a Glance
| Lender | Maximum Loan Amount | Collateral Required? |
| HDFC Credila | No official upper limit (₹1.5 Cr+) | Optional (based on profile) |
| Avanse | No upper cap (₹1 Cr+ typical) | Optional (flexible options) |
Both lenders cover up to 100% of education-related expenses, including tuition, living, travel, and even laptops or exam fees.
Loan amounts are personalized based on the student's profile, course, country, and co-applicant's income.
Loan Coverage Includes
- Tuition and admission fees
- Living and accommodation costs
- Travel (airfare to study destination)
- Books, laptop, project equipment
- Exam, library, and lab fees
- Insurance (medical + travel)
Factors Affecting the Sanctioned Amount
- Type of Course & Country
– MS, MBA, STEM programs in the US, UK, How Much Education Loan Can I Get Canada, Germany, etc., often qualify for higher limits.
- University Ranking
– Top 200 global universities or highly reputed Indian institutions increase your chances of higher sanction.
- Co-applicant Profile
– Income level, CIBIL score, and employment status of the parent/guardian matter a lot.
Why Choose NBFCs Like HDFC Credila & Avanse?
- Faster disbursement process compared to public banks
- Flexible repayment options (EMI starts post-course or in partial interest mode)
- Pre-admission sanction: You can get a conditional loan sanction even before getting your visa
Special Features
- Loans sanctioned even before admission/visa
- Personalized documentation and doorstep service
- Loan amounts tailored to the US, UK, Canada, Germany, Australia, and more
Avanse Financial Services
- 360° education financing: Includes exam coaching and student accommodation
- Pre-visa disbursement available
- Loans are also available for skill-based and online courses.
Conclusion
In 2025, How Much Education Loan Can I Get HDFC Credila and Avanse offer some of the highest education loan limits available to Indian students, with loan amounts often exceeding ₹1 crore—especial, y for overseas education. With no fixed upper cap, full expense coverage, & flexible repayment terms, they provide a reliable alternative to traditional banks.
Whether you're aiming for a global MBA, an MS in computer science, or a postgraduate degree in medicine or design, these NBFCs make it financially feasible, so you can focus on your future, not just your finances. Always compare loan terms, interest rates, and processing fees before finalizing the lender that best fits your academic journey.