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Study in Germany
Education loan rates for Germany
Secured and unsecured loan options from our lending partners for Indian students heading to Germany. Verified rates as of 2025–26.
10+Lending Partners
9.55%Secured from
10.85%Unsecured from
With Collateral
Secured loans for Germany
These loans require property or FD as collateral but offer the lowest interest rates. Margin money is the portion of the cost you must pay yourself.
| Lender | Max Loan Amount | Rate of Interest | Margin Money |
|---|---|---|---|
| SBI | Up to ₹1.5 Cr | 10.65% - 11.50% | Nil |
| Union Bank of India | Up to ₹1.5 Cr | 9.55% - 10.80% | Nil |
Without Collateral
Unsecured loans for Germany
No property needed — approval is based on your academic profile and co-applicant income. Faster processing but slightly higher rates.
| Lender | Max Loan Amount | Rate of Interest | Margin Money |
|---|---|---|---|
| Axis Bank | Up to ₹40 Lakh | 11.00% - 11.50% | Nil |
| ICICI Bank | Up to ₹50 Lakh | 10.85% - 12.50% | Nil |
| IDFC First Bank | Up to ₹35 Lakh | 11.75% - 13.25% | Nil |
| Credila | Up to ₹25 Lakh | 12.00% - 12.75% | Nil |
| Incred | Up to ₹20 Lakh | 12.50% - 13.50% | Nil |
| Avanse | Up to ₹20 Lakh | 12.50% - 13.50% | Nil |
| Auxilo | Up to ₹20 Lakh | 12.50% - 13.50% | Nil |
| Prodigy Finance | Up to USD 1,00,000 | 12.00% - 14.00% | Nil |
Rates shown are indicative as of 2025–26 and subject to change. Actual rate depends on your profile, university, and lender assessment. Confirm with the lender or our counsellors before applying.
Planning to study in Germany?
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Check My Eligibility Estimate My EMIVisa Guide
German Student Visa (National Visa Type D)
- 1Get university admission letter and proof of German blocked account (€11,208 / year for 2024)
- 2Apply at the German consulate/embassy in India — Chennai, Mumbai, Delhi, Kolkata, Bangalore
- 3Fill visa application form, pay fee (~€75)
- 4Submit blocked account proof, university admission, health insurance, language certificates
- 5Processing time: 6–12 weeks — apply well in advance
- 6After arrival, apply for a Residence Permit (Aufenthaltserlaubnis)
Loan + Visa together: Your loan sanction letter is a key financial document for the visa application. We coordinate both processes so you're not chasing two things at once. Learn about our visa support →
Top Universities
Where our students go
Technical University of Munich (TUM)Ludwig Maximilian University MunichRWTH Aachen UniversityHeidelberg UniversityHumboldt University BerlinFreie Universität BerlinKIT Karlsruhe
Tuition: Often free at public universities (semester fee ~€300). Living costs: €800–€1,200/month.
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