Introduction
The State Bank of India (SBI), India’s largest public sector bank, remains a top choice for students seeking education loans. How Much Education Loan Can I Get? Known for its favorable interest rates, government-backed schemes, & transparent process, SBI offers education loans tailored to both domestic and international aspirants.
Are the limits different for studying in India vs abroad? This article offers a detailed breakdown of SBI education loan limits, the types of loans available, & how much students can expect to borrow for undergraduate & postgraduate courses.
Types of SBI Education Loans
SBI offers different loan products based on where and what you study:
- SBI Skill Loan Scheme – For skill development courses
Loan Limits: Domestic Education (India)
| Loan Type | Maximum Loan Amount | Collateral Required? |
| SBI Student Loan Scheme | Up to ₹10 lakh | No (Up to ₹7.5 lakh); & Yes (Above ₹7.5 lakh) |
| SBI Scholar Loan Scheme | Up to ₹40 lakh | No (varies by institution & amount) |
Lower interest rates (~8.15%–9.0%) for top-ranking colleges.
Moratorium: Course period + 1 year.
Loan Limits: Overseas Education
| Loan Type | Maximum Loan Amount | Collateral Required? |
| SBI Global Ed-Vantage | Up to ₹1.5 crore | Yes (mandatory) |
Designed for full-time regular graduate and How Much Education Loan Can I Get post-graduate programs abroad.
Features:
- Interest rate starts from ~8.75% per annum
- Longer repayment tenure: Up to 15 years
- Moratorium period: Course duration + 6 months
Additional Benefits for SBI Education Loan Borrowers
- Interest subsidy schemes for EWS/Minority categories
- Digital application via Vidya Lakshmi or the SBI website
Tips to Maximize Your Loan Approval
- Choose top-ranking colleges (for automatic eligibility under the SBI Scholar scheme)
- Ensure the co-applicant (usually a parent) has a strong CIBIL score.
- Provide collateral like a house/property for higher amounts.
- Prepare all documents in advance, including admission letters, fee structures, and KYC proofs.
Conclusion
In 2025, SBI education loans offer flexible and generous funding, especially for students admitted to top Indian or foreign institutions. How Much Education Loan Can I Get While domestic loans go up to ₹40 lakh (without collateral in some cases), overseas education loans can go as high as ₹1.5 crore, provided you offer collateral security.
With competitive interest rates, student-friendly terms, & transparent processing, SBI remains one of the best choices for education loans, helping students take confident steps toward successful academic futures both in India and abroad.