Ashiraj Finance

Fund your study abroad dream with the right education loan.

Compare 15+ lenders, get free expert guidance, and secure the best rate for the USA, UK, Canada, Australia, Germany and more.

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15+ trusted lenders5,000+ students fundedZero consultation fee
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Students Helped
across 30+ countries
0+
Lender Partners
banks & NBFCs
₹0 Cr+
Loan Disbursed
and counting
0%
Satisfaction Rate
verified reviews

Our Lending Partners

Trusted by India's Top Lenders

We partner with the best banks and NBFCs to get you the most competitive rates.

IDFC First Bank
Tata Capital
Axis Bank
ICICI Bank
Yes Bank
PNB
Avanse
Leap Finance
IDFC First Bank
Tata Capital
Axis Bank
ICICI Bank
Yes Bank
PNB
Avanse
Leap Finance
HDFC Credila
InCred
Union Bank
SBI
Kotak
HDFC Bank
Credenc
Prodigy Finance
HDFC Credila
InCred
Union Bank
SBI
Kotak
HDFC Bank
Credenc
Prodigy Finance
Simple Process

Get Your Loan in 5 Easy Steps

From eligibility check to disbursement — smooth, transparent, and stress-free.

1
01

Check Eligibility

Answer a few quick questions about your profile, admit, and finances to see which lenders you qualify for.

2
02

Talk to Expert

Get a free 1-on-1 call with our loan expert who guides you through the best options for your situation.

3
03

Submit Documents

Upload your KYC, admit letter, and income proof through our secure portal — done in minutes.

4
04

Compare Offers

Get side-by-side loan offers from 15+ lenders. Compare interest rates, tenure, and terms instantly.

5
05

Get Disbursed

Accept the best offer and get your loan disbursed directly to the university. We handle all the paperwork.

Our Advantage

Why Choose Us?

We're not just a loan marketplace — we're your end-to-end study abroad finance partner.

Multiple Lenders

Compare loan offers from 15+ banks and NBFCs in one place. More choices mean better rates and terms for you.

Zero Cost Service

Our expert consultation is completely free. We earn from lenders, not from you — aligning our incentives with yours.

Expert Guidance

Dedicated loan advisors with deep experience in study abroad financing answer every question you have.

Fast Processing

Typical loan processing in 7–15 days. Pre-admission loans available so you can accept your offer confidently.

Document Support

Our team helps you compile and review your entire document checklist, reducing delays and rejections.

Post-Disbursement Help

We stay with you even after disbursal — helping with forex remittance, tax benefits, and EMI management.

Global Coverage

Loans for Every Destination

Whether you're heading to the USA, UK, Germany or anywhere else, we have the right loan product for your destination.

Max Loan
₹1.5 Cr
Interest
8.5% – 12%
Processing Time
10–20 days

Eligibility Criteria

  • Admit from a US university
  • CGPA 6.5+ or equivalent
  • Co-applicant income ₹3L+/yr

USAPopular Lenders for USA

HDFC CredilaAxis BankICICI BankAvanseInCredLeap Finance
Get a personalized recommendation

Our experts analyze your profile and recommend the best lender for your specific situation.

Student Stories

What Students Say

Real stories from students who funded their dreams with Finance.

“Finance made my loan process incredibly smooth. I got offers from 4 lenders within a week, and my advisor Priya helped me pick the best one with a 8.5% rate. Couldn't have asked for better support!”

Loan: ₹42L
A
Arjun Sharma
MS CS @ Georgia Tech, USA

“I was confused about collateral vs non-collateral loans. The Finance team explained everything clearly and helped me get a collateral-free loan at a competitive rate. Highly recommended!”

Loan: ₹38L
S
Sneha Patel
MBA @ Rotman School, Canada

“The document checklist they provided saved me so much time. My HDFC Credila loan was approved in 10 days. The team was responsive and cleared all my doubts over WhatsApp.”

Loan: ₹55L
R
Rahul Verma
MSc Finance @ LSE, UK

“Getting a loan for Germany was tricky, but Finance knew exactly which lenders support German universities. Got my Avanse loan in 2 weeks. The post-disbursement forex help was amazing too!”

Loan: ₹28L
P
Priya Nair
MS Data Science @ TU Munich, Germany

“Zero hidden charges, zero pressure. My advisor was transparent about every fee involved. I ended up saving ₹2L compared to going directly to the bank. The service is truly free and worth it!”

Loan: ₹48L
K
Karthik Reddy
MS ECE @ USC, USA

“I applied on a tight timeline — got my admit in March and had to pay by April. Finance expedited my application and I got sanctioned in just 8 days. Lifesavers!”

Loan: ₹35L
M
Meera Iyer
MIM @ HEC Paris, France

FAQs

Frequently Asked Questions

Everything you need to know about study abroad education loans.

The maximum loan amount depends on the country, university, and your profile. For the USA, you can typically get up to ₹1.5 Cr. For UK and Canada, up to ₹75–80L. Non-collateral loans from NBFCs like Avanse or InCred can go up to ₹75L without requiring any security.
Not necessarily. Many NBFCs and international lenders now offer collateral-free loans for reputed universities. Lenders like Avanse, InCred, Leap Finance, and Prodigy Finance offer unsecured loans. However, secured loans from banks typically offer lower interest rates.
You'll typically need: KYC documents (Aadhaar, PAN), university admit letter, academic transcripts, co-applicant income proof (salary slips, ITR), bank statements (6–12 months), SOP, and property documents if applying for a secured loan. Our team provides a complete personalized checklist.
Yes, you can! In fact, having a loan sanction letter often helps with your visa application. Most lenders issue a sanction letter upon document verification, before disbursement. Finance can also help you get pre-visa sanction letters for your visa interview.
Interest rates vary by lender and collateral status. Collateral-based loans from PSU banks like SBI and PNB start around 8.15%. Private bank loans range from 8.5–11%. NBFC unsecured loans typically range from 11–14%. Your GRE/GMAT scores, university ranking, and co-applicant income affect rates.
Yes, 100% free for students! We are compensated by lenders (similar to how a property broker is paid by developers, not buyers). This means our interests are completely aligned with yours — we want you to get the best deal, not just any deal. There are zero charges from our side.
The typical timeline is 15–30 days from document submission to disbursement. However, it can be faster (7–10 days) if your documents are complete and the lender's process is smooth. Finance's document support significantly reduces delays and rejection rates.
Some lenders do support students who are already studying abroad and need a top-up or mid-study loan. International lenders like Prodigy Finance and mPower specialize in this segment. Domestic loans typically require the student or co-applicant to be based in India during the application.

Still have questions?

Our loan experts are available Mon–Sat, 9AM–8PM IST. Get personalized answers for your specific situation.

WhatsApp Us

Average response time: under 5 minutes

Join 5,000+ funded students

Ready to fund your dream education?

Get expert guidance and the best loan for your study abroad journey — completely free, completely transparent.

  • Compare offers from 15+ banks & NBFCs
  • Dedicated loan advisor, zero fees
  • Help with documents & disbursal