UBI provides generous loan limits for reputed institutions, minimal processing charges for select schemes, and a focus on easy digital tracking of loan applications.
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Basic bank details
Maximum Loan Amount
Up to ₹1.5 Cr
Interest Rate Range
~9.25%–10.80%
Margin Money
-
Processing Fees
No Fees
Moratorium Period
Course + 1 year
Repayment Tenure
Up to 15 yrs
Loan Type
Processing Time
Loan Repayment Method
Eligibility Criteria
Indian citizen for Union Bank of India education loan eligibility.
Applicant 18+ years for UBI study abroad loan India.
Secured enrollment in recognized foreign university via merit/entrance for Union Bank overseas education loan.
Consistent strong performance with GRE/IELTS/TOEFL if needed for UBI education loan eligibility.
Parent/guardian with stable earnings and positive credit for Union Bank study abroad loan.
USA, UK, Canada, Australia, Singapore, Japan, Hong Kong, New Zealand, Europe for UBI overseas student loan.
Graduate/postgraduate/diploma/certificate/doctorate including CIMA/CPA/aeronautical/pilot/shipping for Union Bank education loan.
Immovable property/fixed deposits accepted for secured UBI education loan.
Document Requirement
PAN/passport/voter ID/driver's license for Union Bank student loan application.
Utility bill/Aadhaar for UBI study abroad loan India.
10th/12th/degree marksheets/entrance scores for Union Bank education loan.
Offer letter from university for UBI overseas education loan.
Expense statement including tuition/living for Union Bank study abroad loan.
Recent passport-size photos for UBI loan processing.
PAN/passport/voter ID/driver's license for Union Bank co-borrower.
Salary slips/ITR/Form 16/bank statements for UBI education loan.
Job certificate/business docs for Union Bank study abroad loan.
For Secured Loans
Title deeds/approved plans/ownership history for secured UBI loan.
Fixed deposit receipts for Union Bank overseas education loan.
Key Features
Up to INR 1.5 Cr secured/INR 40 Lakh unsecured for Union Bank education loan.
Starting 8.75%-11.7% for UBI education loan interest rates 2025.
Tuition/accommodation/travel/insurance funded for UBI study abroad loan.
15 years post-moratorium (course +1 year) for Union Bank overseas education loan.
None after 6 months for a UBI student loan.
15% for abroad studies in the Union Bank education loan.
Interest deductions under Section 80E for UBI study abroad loan.
How does it work
Total Processing Time
Upload documents securely, get instant verification, and track your application 24/7 through our online platform
Expert Personal Support
Dedicated relationship manager with multilingual support to guide you through the entire loan process
Fastest Loan Processing
Get your education loan approved 3x faster than traditional bank applications with our streamlined process
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