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Tata Capital Loan for Study Abroad: University List

Tata Capital Loan for Study Abroad: University List

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Check the list of Tata Capital-approved universities for education loans abroad. Learn about loan amounts, eligibility, and the application process.

Education loan Study abroad
GyanDhan
Arshi Khan
Updated on:  29 Mar 2025 | 255 | 26  min read

Tata Capital, the financial services company of the Tata Group, has made remarkable progress in helping students achieve their educational goals. Tata Capital launched its educational loan services in December 2023, and since then, the financial company has received over 6,000 applications. This strong demand reflects that Tata Capital is a reliable source of financial assistance for students.

 

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    Tata Capital offers up to INR 2 crores of education loans with collateral and up to INR 75 lakhs of unsecured loans. 
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    They have a list of approved foreign universities for education loan Tata Capital. They have bifurcated the university list into two categories, namely Platinum and Gold, for US and non-US universities. 
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    The USA, UK, Germany, Ireland, and Australia remain the top destinations for international education and these countries make up almost two-thirds of students applying for an education loan abroad via Tata Capital. 
 

Moreover, Tata Capital sanctions the loan amount before the confirmation of admission which ensures that students can secure their seats in desired universities without financial constraints. This blog will help you navigate the loan process and will educate you about the top universities approved by Tata Capital, which in turn help you make informed decisions for your education abroad. 

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Key Features of Tata Capital Education Loan Abroad

Features  Details 

Nationality

Indian

Age

18 to 35 years

Loan Amount

US Universities:

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    Up to 75 Lakh - Platinum Category*
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    Up to 55 Lakh - Gold Category

Non-US Universities:

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    Up to 50 Lakh - Platinum Category
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    Up to 30 Lakh - Gold Category

Interest Rate
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    US Universities: 11.25%-11.75%
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    Non-US Universities: 11.25%-13%

Qualification

Completed 10+2/diploma

Accepted Co-applicant

Father, mother, brother, sister, spouse 

Loan Tenure

Up to 13 Years

Processing Fee

1% + GST

Repayment During Moratorium

PSI / SI / EMI

Minimum Co-Applicant Income

INR 25,000 and above

Insurance

Upto 2% of the Loan amount

Accepted Collateral 

Property, fixed deposit, Existing Tata Capital home loan for cross collateral.

 

Schedule a call for admission consultancy

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Eligibility Criteria for Tata Capital Education Loan for Abroad

If you are considering applying for an education loan through Tata Capitals, then you should meet the eligibility criteria set by them.

 

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    You must hold the Indian citizenship.
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    Your age must be between 18 and 35 years.
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    Your co-applicant’s Fixed Obligation to Income Ratio (FOIR) must be at least 65%.
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    The age of your financial co-applicant for - 
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      Salaried co-applicant must be 60 years or below.
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      Self-employed co-applicants must be 65 years or below.
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    Your co-applicant should be an immediate family member. 
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    The accepted CIBL score is 700+. However, exceptions may be considered based on your profile.
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    You should have scored at least 60% in your most recent qualification (10th, 12th, or graduation).
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    Proof of enrollment to a recognized university or institution. 
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    Your selected institution must be among the Tata Capital education loan for abroad university list. 
 
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Understanding the Approved Colleges for Tata Capital Education Loan

You can secure funding through a Tata Capital education loan at competitive interest rates. Your chosen university must fall under the Tata Capital education loan abroad university list pdf to avail the benefits offered by them. They have two categories of loan products: Platinum and Gold for US and non-US countries. If you qualify for the Platinum category, you can secure better loan terms like higher loan amounts and lower interest rates. The table below will help you understand the loan offerings of Tata Capital. 

Loan Categories for U.S. Universities:

Tata Capital bifurcates universities into the following tiers for students aiming for their higher education in the US. 

Category Maximum Unsecured Loan Amount Interest Rate

Platinum 

Up to INR 75 lakhs

Starts from 11.25% p.a

Gold

Up to INR 55 lakhs

11.25%-11.75%

Loan Categories for Universities in Other Countries:

Tata Capital offers the following categories for students admitted to universities outside the US. 

Category Maximum Unsecured Loan Amount Interest Rate

Platinum

Up to INR 50 lakhs

12% - 13%

Gold

Up to INR 30 lakhs

12% - 13.5%
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    If your GRE score is above 315 or your GMAT score is above 650, you qualify for a Platinum category loan, no matter which university you choose.
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    If your GRE score is between 300-315 or your GMAT score is between 600-650, you qualify for a Gold category loan, regardless of the university.
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List of Approved Foreign Universities for Education Loan by Tata Capital

You must ensure that you are enrolled in the Tata Capital education loan college list abroad to avail of the benefits of the Tata Capital education loan. 

Platinum Category for US:

List of Universities

Florida State University 

Duke University 

Cornell University 

Baylor University 

Georgia State University 

Boston University

Columbia University 

Brown University 

Drexel University 

Arizona State University 

California Institute of Technology 

Emory University 

American University 

Kent State University 

Johns Hopkins University 

Iowa state university 

Harvard University 

Illinois State University 

Massachusetts Institute of Technology MIT 

Michigan State University 

Indiana University Bloomington 

Stony Brook University State University of New York SUNY 

Pennsylvania State University 

Princeton University 

Ohio state university 

Oregon state university 

Purdue University 

Stanford University 

New York University 

University of Pittsburgh 

Gold Category for US:

List of Universities

Adelphi University

University of Dayton

Widener University

University of Cumberland

University of Akron

University of Colorado Denver

Ball State University

University of Utah Eccles

University of California San Francisco

Southern Arkansas University

University of North Dakota

South Carolina State University

Campbell university

Butler University

East Carolina University

Biola University

DePaul University

Central Michigan University

Clark University

Florida Atlantic University

Aderson University

West Virginia University

University of Louisville

Lewis university

Morgan State University

Idaho State University

Western Illinois University

University of New Orleans

Mississippi State University

University of San Francisco

Platinum Category for Non-US Countries

List of Universities

Cambrian College of Applied Arts and Technology 

American Institute of Applied Sciences in Switzerland 

Fleming College 

Dublin Business School 

Conestoga College 

Charles Sturt University 

European School of Management ESCP Ecole Superieure de Commerce de Paris 

EMLYON Business School 

Cardiff University 

British University in Dubai 

Amity University Dubai 

Esade Business School 

EDHEC 

Dalhousie University 

George Brown College 

Murdoch University 

McMaster University 

McGill University 

Griffith University 

Kedge Business School 

James Cook University 

HAN university of applied sciences 

Humber College 

Monash University 

Royal Military College of Canada 

SRH Berlin 

National University of Singapore 

The London School of Economics and Political Science 

University of Oxford 

University of Victoria British Columbia 

Gold Category for Non-US Countries

List of Universities

University of Aberdeen

University of Dundee

University of Lincoln

North Island College

Universite du Quebec

University of Brighton

University of Derby

Brandon University

Bishops University

University of Lethbridge

University of Hull

Northern Lights College

INSEAD The Business School for the World

Lakehead University

Glasgow Caledonian University

Kingston University, London

Univeristy of Salford

Nottingham Trent University

University of East London

University of Plymouth

University of Sussex

Universite Saint Paul

Oxford Brookes University

Mount Allison University

International College of Management Sydney

Queensland University of Technology

National College of Ireland

University of Limerick

University of Windsor

Geneva School of Diplomacy and International

Relations
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How to Check Tata Capital Approved Colleges?

Tata Capital does not publicly disclose a comprehensive list of approved foreign universities for Tata Capital education loans since they assess universities based on their recognition standards. However, you can consider reaching out to the education loan department of Tata Capital via their official website or visiting a local branch. Their representatives can provide specific information regarding the eligibility of your selected university or college. Moreover, you can also initiate a loan application with Tata Capital, providing information about your chosen course and institution. This process will help you determine whether your selected university falls under the Tata Capital education loan list of universities abroad or not. 

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Application Process for Tata Capital Education Loan Abroad

Applying for a Tata Capital education loan to study abroad involves several steps. Follow our guide to navigate the loan process of Tata Capital.

 

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    Visit the Tata Capital Education Loan page and complete the online application form with your personal and academic details.
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    Submit the below-mentioned documents and ensure they are up to date. 
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      Identity Proof (voter ID/passport/driving license / aadhaar card).
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      Permanent Account Number (PAN) OR Form 60
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      Provide proof of residence.
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      Signature Verification is required. 
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      Photograph in the prescribed format. 
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      Form 16 for the last 2 years and a bank statement for the past 6 months as proof of income.
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      A Copy of your Salary slips for the last three months.
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    Proofread your application before final submission otherwise, your application might take longer time for processing. 
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    You can also visit a Tata Capital branch to fill out and submit the application form in person.
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    Tata Capital will review your application and documents after you submit your loan application. 
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    Once your loan gets approved, you will receive a sanction letter detailing the terms of the loan. 
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    The loan amount will be disbursed as per the agreed terms. 
 

Refer to Tata Capital Education Loan Disbursement Process for the detailed process. 

 

Tata Capital has emerged as a reliable source for students who are looking for education loans abroad. Understanding the Tata Capital abroad education loan university list and eligibility criteria is crucial and can simplify the process for you. However, exploring multiple lenders to find the best loan offer can be challenging for you. This is where GyanDhan assists you! We simplify your loan application process by comparing it with multiple lenders. We help you secure the best terms at lower interest rates. With us, you can focus on achieving your career goals without stressing about the funds. Check your loan eligibility with GyanDhan today and do not let a lack of funds hold you back from achieving your dreams!

 

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Frequently Asked Questions

What is the maximum loan amount offered by Tata Capital for abroad studies?
 

Tata Capital offers loan amounts of up to INR 75 lakhs for students for students enrolled under the Platinum category universities in the USA and INR 50 lakhs for Platinum universities in non-US countries.

How long does it take to process an education loan from Tata Capital?
 

The loan approval process can take 7 to 15 working days after submission of your documents.

What is the minimum academic requirement to become eligible for a Tata Capital education loan?
 

A student must have a minimum of 60% marks in their most recent qualification.

Is a co-applicant required for a Tata Capital education loan?
 

A financial co-applicant is required for loan approval.

How can I apply for a Tata Capital education loan?
 

You can apply online through the Tata Capital website or by visiting the nearest branch. 

What is the minimum annual income required for a co-applicant?
 

The minimum income of the co-applicant should be INR 25,000. Moreover, your co-applicant’s Fixed Obligation to Income Ratio (FOIR) must be at least 65%

Does Tata Capital cover living expenses under the education loan?
 

The loan amount can cover tuition fees, living expenses, travel costs, study materials, and other education-related expenses.

Can I get a loan for an undergraduate degree abroad?
 

Tata Capital provides loans for Graduation/post-graduation degrees from recognized universities, PhD, executive, and other courses from reputed universities.

Check Your Education Loan Eligibility

Check Your Education Loan Eligibility
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