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i20 Visa Overseas Education Consultants is dedicated to helping students achieve their study abroad goals. Our experienced team offers personalized services through a global network of partner institutions.
Ready to start your journey at i20 Visa Overseas? Contact us today to learn more and apply!
Welcome to i20 Visa Overseas Education Consultants
Estimate your education loan EMI, understand what borrowing will really cost, compare a home loan, and see what a monthly SIP could grow into — all in one place. Built for Indian students and parents planning an overseas degree, and for anyone thinking about long-term investment planning alongside it.
Example figures for illustration only, calculated with the same formulas used below — not a quote, offer or guaranteed return. Use the calculators on this page for your own numbers.
Jump straight to the tool you need. Every calculator runs instantly in your browser — no sign-up, no page reload.
Enter the loan amount, interest rate and tenure to estimate your monthly EMI, total interest and total repayment — with optional processing fee and moratorium.
Calculate NowSome families weigh a secured home loan against an education loan. Estimate the EMI, total interest and total repayment for a home loan here.
Calculate NowSee how a monthly SIP could grow over time at an assumed rate of return — useful for building a study-abroad fund or any long-term goal.
Calculate NowEnter your expected loan details below. Results update automatically as you type.
An overseas education loan is money borrowed from a bank, NBFC or specialised lender to fund an international degree. It is typically disbursed in stages — often linked to fee due dates and semester schedules — rather than as one lump sum.
You apply with an admission offer, academic records and financial documents. The lender assesses the course, university, co-borrower income and any collateral before approving an amount, interest rate and repayment structure, usually including a moratorium period that runs through your course.
Backed by collateral such as property or fixed deposits. These often come with a lower interest rate and a higher loan limit, but the pledged asset is at risk if repayment is missed.
No collateral required, which speeds up processing, but the loan amount may be lower and the interest rate higher, with more weight placed on co-applicant income and credit history.
Exact coverage varies by lender — always confirm the eligible expense list before applying.
There is no single right answer — the appropriate choice depends on your family's financial position, the cost of the course, expected future income, available savings and comfort with debt versus reduced liquidity. This table is a general starting point, not personalised financial advice.
| Factor | Education Loan | Self Funding |
|---|---|---|
| Immediate cash requirement | Lower | Higher |
| Interest cost | Yes | No |
| Liquidity | Preserved to some extent | Reduced |
| Repayment obligation | Yes | No |
| Financial flexibility | Depends on loan terms | Depends on available savings |
| Risk | Debt / interest rate risk | Opportunity-cost / liquidity risk |
A Systematic Investment Plan (SIP) means investing a fixed amount into a mutual fund at regular intervals, usually monthly, instead of investing a lump sum. It is one way — not the only way — that Indian families and students build toward long-term goals like overseas education.
Starting early gives more time for compounding to work, where returns generated earlier can themselves start earning further returns. Investing a fixed amount every month, regardless of market ups and downs, is often described as a disciplined, goal-based approach to long-term investing.
Markets move up and down, and mutual fund values can fall as well as rise. A longer investment period generally gives short-term volatility more time to average out, but it does not remove market risk. Choose a time horizon and fund type that matches your actual goal and comfort with risk.
For example, investing ₹10,000 per month for 5 years means investing ₹6,00,000 in total. The final maturity value depends entirely on actual market performance over that period — it could be higher or lower than any assumed rate of return used below.
Adjust the monthly amount, assumed annual return and investment period to see an illustrative projection.
A practical, stage-wise checklist — from the first cost estimate to your first few years after graduation.
Planning ahead for a specific destination? Our country guides for the USA, the UK, Canada, Australia, Ireland and New Zealand cover country-specific costs and requirements, and our application assistance and education loan assistance services can help with the documentation stage.
Add your expected costs on the left and your funding sources on the right to see your estimated funding gap. Leave a field blank or 0 if it does not apply to you.
Exchange rates move daily, so this converter uses a rate you enter yourself — it is not a live or real-time feed. Check your bank, card provider or a live currency converter for the current market rate before making any payment decision.
Some families compare a secured home loan with an education loan when planning finances. A home loan is not automatically the right choice for funding education — compare the interest cost, risk to the property, and repayment obligation carefully before deciding.
Plain-language explanations of the terms used throughout this page.
This page provides general educational information and calculator estimates. It is not financial, investment, tax or legal advice. Loan eligibility, interest rates, fees, repayment conditions and investment returns vary by provider and individual circumstances. Please verify current terms with the relevant lender, financial institution or registered investment professional before making financial decisions.
i20 Visa Overseas does not guarantee loan approval, investment returns, visa outcomes or scholarship awards. Figures shown across this page are illustrative examples calculated with standard formulas, not offers, quotes or promises.
Our counsellors can walk you through loan documentation, university costs and your overall study abroad plan.
Have a specific loan, budget or university question? Send us a message and our team will get back to you.
Whether you need help comparing lenders, understanding a loan offer, or simply want a second opinion on your study abroad budget, our team is happy to help.