🇫🇷
Study in France
Education loan rates for France
Secured and unsecured loan options from our lending partners for Indian students heading to France. Verified rates as of 2025–26.
8+Lending Partners
10.50%Secured from
10.85%Unsecured from
With Collateral
Secured loans for France
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% (girls) / 11.50% (boys) | 10% |
| Union Bank of India | Up to ₹1 Cr | 10.5% - 10.85% | 10% (listed) / 15% (non-listed) |
Without Collateral
Unsecured loans for France
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 ₹50 Lakh | 11% - 13.50% | 5% |
| ICICI Bank | Up to ₹50 Lakh | 10.85% - 12.50% | 0 - 15% |
| IDFC First Bank | Up to ₹35 Lakh | 11.75% - 13.25% | Nil |
| Credila | Up to ₹20 Lakh (STEM only) | 12% - 13% | Nil |
| Avanse | Up to ₹20 Lakh (STEM only) | 12.75% - 13.25% | Nil |
| Prodigy Finance | Up to USD 1,00,000 | 12% - 14% | 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 France?
Tell us your university and loan amount — we'll match you to the right lender and get you the best rate your profile qualifies for.
Check My Eligibility Estimate My EMIVisa Guide
French Long-Stay Student Visa (VLS-TS)
- 1Register on Campus France India (campusfrance.org) — mandatory for Indian students
- 2Complete your Campus France interview if required
- 3Apply at the VFS France centre in India — pay fee (~€99)
- 4Blocked account or financial guarantee — loan sanction letter is accepted
- 5Health insurance for France (CPAM or private)
- 6After arrival, validate your visa online with OFII within 3 months
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
Sorbonne UniversityÉcole PolytechniqueCentraleSupélecSciences Po ParisHEC ParisESSEC Business SchoolINSEAD (Fontainebleau)
Tuition at public universities: €170–€3,800/year. Private grandes écoles: €8,000–€20,000+/year. Living costs: €800–€1,200/month.
Not sure which lender is best for France?
We compare all options and negotiate on your behalf — one call, multiple offers.
Get Matched to a Lender