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State Bank of India Student

SBI Student Loan Scheme

SBI's Student Loan Scheme is one of the most affordable education loan options in India thanks to PSU bank rates. The no-collateral limit of ₹7.5 lakh makes it accessible for domestic studies, and the 0.50% concession for female students is a genuine saving. Processing is slower than private banks, but the rate advantage is hard to beat.

6.9%–9.9% APR 100000–5000000 12–180 months
Students pursuing UG/PG degrees at recognised Indian institutions who want the lowest possible interest rate and don't mind longer processing times.
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ICICI Bank Student

ICICI Bank Education Loan

ICICI Bank's standout feature is the massive ₹3 crore loan limit — the highest among major Indian banks — and the generous ₹20 lakh no-margin threshold. Rates are mid-range for a private bank, and the flexible repayment structures (PSI/SI/EMI) genuinely help students manage cash flow during the moratorium period.

8.5%–13.0% APR 100000–30000000 12–144 months
Students pursuing expensive international programs (MBA, medicine) who need high loan amounts with flexible repayment structures and quick processing.
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Axis Bank Student

Axis Bank Education Loan

Axis Bank straddles the line between PSU affordability and private bank speed. The rate range is wide (6.90%-13.50%), meaning premier-institute students get near-PSU rates while others may face steep costs. Good for study-abroad financing with higher loan limits.

6.9%–13.5% APR 50000–7500000 12–180 months
Students heading abroad or to premier Indian institutes who want a private bank experience with competitive rates for top-tier admissions.
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Punjab National Bank Student

PNB Saraswati Education Loan

PNB's Saraswati scheme offers some of the lowest education loan rates in India at 6.85% p.a. for premier institutes. The 0.50% concession for female students and nil processing fees are genuine advantages. However, the scheme is heavily focused on merit-based admissions and may not suit students at non-premier institutions.

6.85%–11.6% APR 100000–5000000 12–180 months
Merit-based students admitted to premier Indian institutions (IITs, IIMs, NIFT, NID, IISc) who want rock-bottom PSU rates and don't mind the paperwork.
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Canara Bank Student

Canara Bank Vidya Turant Education Loan

Canara Bank's Vidya Turant is a standout PSU education loan — the 7.35% starting rate is competitive, and the ₹1 crore limit under the master's degree scheme matches the best in the industry. The scheme categorisation by institution type gives genuine rate advantages to premier institute students.

7.25%–10.1% APR 100000–10000000 12–180 months
Students pursuing master's degrees at top-ranked global universities or premier Indian institutes who want PSU rates with competitive terms.
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HDFC Bank Student

HDFC Bank Education Loan

HDFC Bank charges a premium on interest rates compared to PSU banks, but makes up for it with significantly faster processing and a smoother application experience. The unsecured limit of up to ₹50 lakh at select premier institutes is exceptionally generous.

10.5%–13.5% APR 100000–5000000 12–180 months
Students admitted to premier institutions (IITs, IIMs, top foreign universities) who value fast disbursement and are willing to pay slightly higher rates for convenience.
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Bank of Baroda Student

Bank of Baroda Baroda Gyan Education Loan

Bank of Baroda matches SBI on rates (sometimes even beats it at 6.85%) and offers one of the highest loan limits among PSU banks at ₹1 crore. The multiple scheme options (Vidya, Gyan, Scholar) give genuine flexibility, though navigating which scheme you qualify for can be confusing.

6.85%–11.25% APR 100000–10000000 12–180 months
Students needing high-value loans for premier Indian or international institutions who want PSU-bank rates with a wider branch network than other PSU alternatives.
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