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IDFC FIRST Academy
ESG
Studying abroad is a dream for many students—but let’s face it, international education comes with a significant cost. Fortunately, obtaining a student loan for overseas education is now easier than ever. With IDFC FIRST Bank offering smart and accessible loan solutions, financing your global degree is just a few steps away.
Step 1: Check Your Eligibility
Before applying, ensure you meet the basic criteria set by IDFC FIRST Bank:
- You must be an Indian citizen.
- You must have received admission to your chosen course or institution.
Note: If you haven’t been admitted yet, you can still apply under the bank’s pre-admission loan sanction facility.
Step 2: Understand What You Can Avail
Here’s what the education loan covers:
- Up to ₹1.5 crore with collateral
- Up to ₹75 lakhs without collateral
- Tuition fees and other essential expenses (travel, books, laptop, insurance, etc.)
- Competitive interest rates
- Repayment period of up to 15 years
- Financing up to 100% of your education cost
Your dream university doesn't have to stay a dream—education loans today are built to support your ambition, not stand in its way.
Step 3: Gather the Required Documents
Prepare the following documents for a smooth application process:
- Completed loan application form
- Admission letter or entrance exam scores (e.g., GRE, IELTS)
- Photo ID and address proof
- Academic certificates and transcripts
- Co-applicant details and income proof (if applicable)
- Visa or pre-visa documents
- Detailed fee structure
- Collateral documents (if applicable)
- Bank statements, photographs, and relationship proof
Step 4: Choose a Repayment Plan That Suits You
IDFC FIRST Bank offers three repayment options to suit varying financial needs:
- EMI (Equated Monthly Instalments): Start repaying as soon as the loan is disbursed.
- Simple Interest (SI): Pay only the interest component while you’re studying.
- Moratorium: Defer all repayments until after course completion.
- Partial Simple Interest (PSI): A portion of the interest is paid, and the rest is capitalized by adding it to the principal.
Step 5: Apply Through Your Preferred Channel
You can begin your loan application using any of the following methods:
- FIRST UNI App: Also supports test preparation, resume building, and scholarship applications.
- IDFC FIRST Bank Website (SLF: https://www.idfcfirstbank.com/edu-lead-creation-new-page)
- Nearest Bank Branch https://www.idfcfirstbank.com/support/asset-branch
Need guidance? Speak with a loan counsellor through the app—your first session is free!
Conclusion
Securing a student loan for studying abroad doesn’t have to be daunting. With IDFC FIRST Bank’s customized loan solutions, flexible repayment options, and seamless digital access, students can plan their academic journey abroad with confidence. Whether you're still applying or already have your admission letter in hand, financing your international education is now just a few clicks away.
Disclaimer
The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.