Introduction
How Much Education Loan Can I Get? The rising cost of higher education—especially in engineering, medical, and international programs—makes education loans a necessity for many Indian students. While unsecured loans (without collateral) have their benefits, they often come with a cap of ₹7.5–₹10 lakh. If your education requires a larger budget, offering collateral can significantly increase your eligibility and loan amount.
So, how much education loan can you secure with collateral in India? This article explores the maximum limits, factors affecting the sanctioned amount, & how students can get approved for loans exceeding ₹20–₹50 lakh through public & private lenders in 2025.
A Secured Education Loan: What Is It?
A secured education loan is one where you pledge an asset as collateral to the bank or financial institution. This collateral can be:
- Residential property (house or flat)
- Non-agricultural land
- Fixed deposits
- Government bonds
- LIC policies
Offering security reduces the bank’s risk, How Much Education Loan Can I Get allowing it to approve higher loan amounts at better interest rates.
Maximum Loan You Can Get With Collateral
| Lender | Maximum Secured Loan Amount (2025) |
| SBI Global Ed-Vantage | Up to ₹1.5 crore |
| Canara Bank/IIBI Scheme | ₹30 lakh – ₹40 lakh |
| Bank of Baroda | Up to ₹80 lakh |
| Private Banks (Axis, ICICI) | ₹50 lakh or more |
| NBFCs (HDFC Credila, Avanse) | ₹75 lakh – ₹1 crore |
Note: The actual sanctioned amount depends on the market value of the collateral, repayment capacity, and course type.
Advantages of Offering Collateral
- Higher loan limit (₹20 lakh to ₹1 crore+)
- Longer repayment periods (up to 15 years)
- Better chances of approval, even for international studies
Eligibility Requirements
To be eligible for a high-value secured loan:
- You must have a confirmed admission into a recognized course/institution.
- You need a co-applicant with regular income.
- The property or asset offered must be legally owned and verified.
- The bank will conduct a valuation and legal check of the collateral before sanctioning.
Documents Typically Required
- Admission letter and fee structure
- Co-applicant’s income proof and KYC
- Collateral ownership papers (property, FD, etc.)
- Recent valuation and legal report (usually arranged by the bank)
- Academic records and ID proof
Conclusion
In 2025, students can secure education loans of ₹20 lakh to over ₹1 crore with the help of collateral, making it easier to pursue expensive professional or international courses without financial barriers. How Much Education Loan Can I Get Secured loans offer not just higher limits but also lower interest rates and flexible repayment terms, making them a smart choice for students seeking comprehensive financial coverage.
If you or your family can offer property or other eligible assets as collateral, a secured loan is your gateway to world-class education without compromise.