{"id":73643,"date":"2025-04-25T14:02:20","date_gmt":"2025-04-25T08:32:20","guid":{"rendered":"https:\/\/leverageedu.com\/learn\/?p=73643"},"modified":"2025-04-25T14:02:20","modified_gmt":"2025-04-25T08:32:20","slug":"idfc-education-loan-to-study-abroad-features-eligibility-application-documents","status":"publish","type":"post","link":"https:\/\/leverageedu.com\/learn\/idfc-education-loan-to-study-abroad-features-eligibility-application-documents\/","title":{"rendered":"IDFC Education Loan to Study Abroad: Features, Eligibility, Application, Documents"},"content":{"rendered":"\n<p>The financial demands of international education, including tuition, living expenses, and travel, can be substantial for you as a student. The IDFC education loan to study abroad offers a reliable solution, providing tailored financial support to help you achieve your academic dreams without the burden of upfront costs.&nbsp;<\/p>\n\n\n\n<p>This blog explores how IDFC FIRST Bank\u2019s education loan works, its eligibility criteria, benefits, and application process, empowering you to make informed decisions for your global education journey.<\/p>\n\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-choose-idfc-education-loan-for-studying-abroad\"><span id=\"why-choose-idfc-education-loan-for-studying-abroad\">Why Choose IDFC Education Loan for Studying Abroad?<\/span><\/h2>\n\n\n\n<p>Various <a href=\"https:\/\/leverageedu.com\/discover\/indian-education-loans\/banks-giving-education-loan-in-india\/\"><strong>Banks Giving Education Loan in India<\/strong><\/a> for studying abroad but the DFC FIRST Bank education <strong>loans to study abroad<\/strong> stands out for its flexibility, competitive interest rates, and comprehensive coverage, making it a preferred choice for aspiring global scholars. It has:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Covers Multiple Expenses:<\/strong> Funds tuition, accommodation, travel, insurance, and equipment like laptops.<\/li>\n\n\n\n<li><strong>Flexible Repayment Options:<\/strong> Offers moratorium periods and extended tenures up to duration of 15 years.<\/li>\n\n\n\n<li><strong>Tax Benefits:<\/strong> Education loan interest paid eligible for tax deductions under Section 80E of the Income Tax Act.<\/li>\n\n\n\n<li><strong>Collateral-Free Options:<\/strong> Loans up to INR 85 lakh without requiring security, easing access for many.<\/li>\n<\/ul>\n\n\n\n<p>With these features, the IDFC education loan to study abroad ensures you can pursue your academic goals at top universities without financial stress.<\/p>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong>Also Read: <\/strong><a href=\"https:\/\/leverageedu.com\/learn\/education-loan-interest-rate-trends-will-studying-abroad-get-cheaper-or-costlier-finance\/\"><strong>Education Loan Interest Rate Trends 2025: Will Studying Abroad Get Cheaper or Costlier?<\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-key-features-of-idfc-education-loan-to-study-abroad\"><span id=\"key-features-of-idfc-education-loan-to-study-abroad\">Key Features of IDFC Education Loan to Study Abroad<\/span><\/h2>\n\n\n\n<p>The IDFC education loan to study abroad is designed to meet the diverse needs of students targeting international education. Its standout features provide comprehensive financial support, ensuring you can focus on your studies and career aspirations. <\/p>\n\n\n\n<p>Here are its key features:\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-comprehensive-coverage-for-global-education\"><span id=\"1-comprehensive-coverage-for-global-education\">1. Comprehensive Coverage for Global Education<\/span><\/h3>\n\n\n\n<p>The loan covers a wide range of expenses associated with studying abroad, ensuring you don\u2019t face unexpected financial hurdles. From tuition to living costs, IDFC FIRST Bank supports your entire academic journey.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Expense Type<\/strong><\/td><td><strong>Coverage Details<\/strong><\/td><\/tr><tr><td><strong>Tuition Fees<\/strong><\/td><td>Full coverage of university or college fees as per the admission letter.<\/td><\/tr><tr><td><strong>Living Expenses<\/strong><\/td><td>Includes hostel fees, accommodation, food, and local travel.<\/td><\/tr><tr><td><strong>Travel Costs<\/strong><\/td><td>One-way travel to the destination country and related expenses.<\/td><\/tr><tr><td><strong>Equipment<\/strong><\/td><td>Costs for laptops, books, uniforms, or course-specific instruments.<\/td><\/tr><tr><td><strong>Additional Expenses<\/strong><\/td><td>Health insurance and exam\/library\/laboratory fees, as required by the institution.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>This extensive coverage makes the IDFC education loan to study abroad a one-stop solution for financing your international education.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-flexible-loan-amounts-and-collateral-options\"><span id=\"2-flexible-loan-amounts-and-collateral-options\">2. Flexible Loan Amounts and Collateral Options<\/span><\/h3>\n\n\n\n<p>IDFC FIRST Bank offers flexible and <a href=\"https:\/\/leverageedu.com\/learn\/maximum-education-loan-for-abroad-studies-finance\/\"><strong>maximum education loan for abroad studies<\/strong><\/a> tailored to your needs, with options for both <a href=\"https:\/\/fly.finance\/blog\/education-loan\/secured-education-loan\/\"><strong>secured education loan<\/strong><\/a> and <a href=\"https:\/\/fly.finance\/blog\/education-loan\/list-of-unsecured-loans-for-study-abroad\/\"><strong>unsecured loans to study abroad<\/strong><\/a>. This flexibility accommodates students with varying financial backgrounds.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Unsecured Loans: <\/strong>Up to INR 85 lakh without collateral, ideal for those without assets to pledge.<\/li>\n\n\n\n<li><strong>Secured Loans: <\/strong>Up to INR 1.5 crore with collateral, suitable for higher-cost programs.<\/li>\n\n\n\n<li><strong>100% Financing:<\/strong> No margin money required in most cases, covering the full cost of education.<\/li>\n\n\n\n<li><strong>Pre-Admission Sanction: <\/strong>Conditional loan approval before securing university admission, aiding visa processes.<\/li>\n<\/ul>\n\n\n\n<p>These options ensure the IDFC education loan to study abroad aligns with your financial situation and academic ambitions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-competitive-interest-rates-and-repayment-terms\"><span id=\"3-competitive-interest-rates-and-repayment-terms\">3. Competitive Interest Rates and Repayment Terms<\/span><\/h3>\n\n\n\n<p>Affordability is a key consideration for education loans. IDFC FIRST Bank offers competitive interest rates and flexible repayment terms to ease the financial burden post-graduation.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Interest Rates:<\/strong> Starting at 8.5%, linked to the RBI\u2019s repo rate (currently 6.5%), with a spread of 2.75% or more.<\/li>\n\n\n\n<li><strong>Repayment Tenure:<\/strong> Up to duration of 15 years, including a moratorium period (course duration + up to 12 months).<\/li>\n\n\n\n<li><strong>Repayment Options: <\/strong>Choose from direct EMI, simple interest, or partial simple interest, based on course and university category.<\/li>\n\n\n\n<li><strong>No Prepayment Penalty: <\/strong>Pay off the loan early without additional charges, saving on interest.<\/li>\n<\/ul>\n\n\n\n<p>These terms make the IDFC education loan to study abroad manageable and cost-effective, supporting long-term financial planning.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-eligibility-criteria-for-idfc-education-loan-to-study-abroad\"><span id=\"eligibility-criteria-for-idfc-education-loan-to-study-abroad\">Eligibility Criteria for IDFC Education Loan to Study Abroad<\/span><\/h2>\n\n\n\n<p>Before applying, understanding the eligibility requirements ensures a smooth application process. IDFC FIRST Bank evaluates applicants based on academic merit, financial background, and institutional reputation to approve the loan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-who-can-apply\"><span id=\"who-can-apply\">Who Can Apply?<\/span><\/h3>\n\n\n\n<p>The eligibility criteria for the IDFC education loan to study abroad are straightforward, designed to accommodate a wide range of applicants pursuing international education. Here is the required criteria:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Nationality: <\/strong>Must be an Indian citizen, including Non-Resident Indians (NRIs).<\/li>\n\n\n\n<li><strong>Age:<\/strong> Minimum of 18 years at the time of application.<\/li>\n\n\n\n<li><strong>Academic Qualifications:<\/strong> Completion of Standard XII for undergraduate programs or a relevant degree for postgraduate courses.<\/li>\n\n\n\n<li><strong>Admission Status: <\/strong>Confirmed admission to a recognized university abroad, though pre-admission sanctions are available in select cases.<\/li>\n\n\n\n<li><strong>Co-Applicant:<\/strong> A co-applicant (parent, spouse, or immediate family member) with a stable income and good credit score is mandatory.<\/li>\n<\/ul>\n\n\n\n<p>Meeting these criteria positions you for a successful application, bringing you closer to securing the IDFC education loan to study abroad.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-eligible-countries-and-courses-under-idfc-education-loan\"><span id=\"eligible-countries-and-courses-under-idfc-education-loan\">Eligible Countries and Courses Under IDFC Education Loan<\/span><\/h2>\n\n\n\n<p>The IDFC education loan to study abroad supports education across numerous countries and a variety of courses, ensuring flexibility for your academic aspirations.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Category<\/strong><\/td><td><strong>Details<\/strong><\/td><\/tr><tr><td><strong>Eligible Countries<\/strong><\/td><td>USA, UK, Canada, Australia, Germany, New Zealand, Singapore, and more.<\/td><\/tr><tr><td><strong>Course Types<\/strong><\/td><td>Undergraduate, postgraduate, technical, professional, vocational, and diploma courses.<\/td><\/tr><tr><td><strong>University Criteria<\/strong><\/td><td>Recognized institutions, with better terms for top-tier universities (e.g., Platinum Plus, Platinum categories).<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Contact an IDFC FIRST Bank representative for a complete list of eligible countries and institutions to confirm your program qualifies for the loan.<\/p>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong>Also Read: <\/strong><a href=\"https:\/\/leverageedu.com\/learn\/top-ways-to-fix-common-education-loan-rejection-reasons-finance\/\"><strong>Top Ways to Fix Common Education Loan Rejection Reasons<\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-apply-for-idfc-education-loan-to-study-abroad\"><span id=\"how-to-apply-for-idfc-education-loan-to-study-abroad\">How to Apply for IDFC Education Loan to Study Abroad<\/span><\/h2>\n\n\n\n<p>Applying for the IDFC education loan to study abroad is a streamlined process, with both online and offline options. Following these steps ensures a hassle-free experience and increases approval chances.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Check Eligibility: <\/strong>Visit the IDFC FIRST Bank website or contact a loan counselor to verify eligibility.<\/li>\n\n\n\n<li><strong>Gather Documents:<\/strong> Prepare academic records, admission letters, identity proofs, and co-applicant financial documents.<\/li>\n\n\n\n<li><strong>Submit Application: <\/strong>Apply online via the bank\u2019s website or mobile app, or visit a branch for offline submission.<\/li>\n\n\n\n<li><strong>Document Verification:<\/strong> The bank reviews your application, creditworthiness, and academic profile.<\/li>\n\n\n\n<li><strong>Loan Approval:<\/strong> Receive a sanction letter detailing the loan amount, interest rate, and repayment terms.<\/li>\n\n\n\n<li><strong>Sign Agreement: <\/strong>Review and sign the loan agreement to finalize the process.<\/li>\n\n\n\n<li><strong>Disbursal: <\/strong>Funds are disbursed directly to the institution for tuition or to your account for other expenses.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-documents-required-for-idfc-education-loan-to-study-abroad\"><span id=\"documents-required-for-idfc-education-loan-to-study-abroad\">Documents Required for IDFC Education Loan to Study Abroad<\/span><\/h2>\n\n\n\n<p>Having the right documents ready streamlines the application process. Below is a standard checklist for IDFC bank education loan to study abroad:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Document Type<\/strong><\/td><td><strong>Examples<\/strong><\/td><\/tr><tr><td><strong>Identity Proof<\/strong><\/td><td><strong>PAN<\/strong> card, passport, Aadhaar card.<\/td><\/tr><tr><td><strong>Academic Records<\/strong><\/td><td>Mark sheets, admission letter, <strong>GRE<\/strong> scores (if applicable).<\/td><\/tr><tr><td><strong>Co-Applicant Documents<\/strong><\/td><td>Income proof (ITR, salary slips), credit score, identity proof.<\/td><\/tr><tr><td><strong>Course Details<\/strong><\/td><td>Fee structure, course duration, university details.<\/td><\/tr><tr><td><strong>Additional Documents<\/strong><\/td><td>Visa documents, travel itinerary (if applicable).<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Consult with an IDFC FIRST Bank representative for a personalized document checklist to ensure all requirements are met.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-tips-for-a-successful-education-loan-application-with-idfc\"><span id=\"tips-for-a-successful-education-loan-application-with-idfc\">Tips for a Successful Education Loan Application With IDFC<\/span><\/h2>\n\n\n\n<p>Maximizing your chances of securing the IDFC education loan to study abroad requires careful preparation. These tips help you present a strong application.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Maintain a Strong Academic Record: <\/strong>High grades and standardized test scores (e.g., GRE \u2265 315 for Platinum category universities) improve approval odds.<\/li>\n\n\n\n<li><strong>Choose Reputed Institutions: <\/strong>Loans for top-tier universities often come with better terms, such as lower interest rates.<\/li>\n\n\n\n<li><strong>Ensure Co-Applicant Creditworthiness: <\/strong>A co-applicant with a <strong>CIBIL<\/strong> score above 700 and stable income strengthens your application.<\/li>\n\n\n\n<li><strong>Use an EMI Calculator: <\/strong>Estimate monthly repayments using IDFC\u2019s online <strong>EMI<\/strong> calculator to plan your finances.<\/li>\n\n\n\n<li><strong>Submit Complete Documentation:<\/strong> Avoid delays by providing all required documents accurately and promptly.<\/li>\n\n\n\n<li><strong>Apply Early: <\/strong>Start the <a href=\"https:\/\/leverageedu.com\/learn\/education-loan-process-steps-eligibility-criteria-repayment-finance\/\"><strong>education loan process<\/strong><\/a> before visa applications to secure pre-admission sanctions, aiding visa approvals.<\/li>\n<\/ul>\n\n\n\n<p>By following these steps, you can enhance your application\u2019s success and secure the IDFC education loan to study abroad efficiently.<\/p>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong>Also Read: <\/strong><a href=\"https:\/\/leverageedu.com\/learn\/how-to-reduce-interest-rates-on-education-loans-finance\/\"><strong>How to Reduce Education Loan Interest Rates? Tips to Lower EMIs<\/strong><\/a><\/p>\n\n\n\n<p>The IDFC education loan to study abroad empowers you to pursue your academic dreams at leading global universities without financial constraints. With comprehensive coverage, competitive interest rates, and flexible repayment options, it offers a robust solution for funding international education.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs-on-idfc-education-loan-to-study-abroad\"><span id=\"faqs-on-idfc-education-loan-to-study-abroad\">FAQs on IDFC Education Loan to Study Abroad<\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1745569710382\"><strong class=\"schema-faq-question\">What expenses does the IDFC education loan to study abroad cover?<\/strong> <p class=\"schema-faq-answer\">The IDFC education loan to study abroad covers tuition fees, living expenses, travel costs, equipment (e.g., laptops), health insurance, and exam\/library\/laboratory fees.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1745569711468\"><strong class=\"schema-faq-question\">What is the maximum loan amount offered by IDFC FIRST Bank for studying abroad?<\/strong> <p class=\"schema-faq-answer\">With an IDFC education loan to study abroad, you can avail up to INR 85 lakh for unsecured loans and up to INR 1.5 crore for secured loans, depending on your eligibility and course requirements.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1745569712222\"><strong class=\"schema-faq-question\">What are the interest rates for the IDFC education loan to study abroad?<\/strong> <p class=\"schema-faq-answer\">Interest rates for IDFC education loans to study abroad start at 8.5%, linked to the RBI\u2019s repo rate (currently 6.5%) with an additional spread, varying by loan type and university category.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1745569712618\"><strong class=\"schema-faq-question\">Who is eligible to apply for the IDFC education loan to study abroad?<\/strong> <p class=\"schema-faq-answer\">To apply for the IDFC education loan to study abroad, you must be an Indian citizen aged 18 or above, have confirmed admission to a recognized foreign university, and have a co-applicant with a stable income.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1745569713050\"><strong class=\"schema-faq-question\">Can I apply for the IDFC education loan before securing university admission?<\/strong> <p class=\"schema-faq-answer\">Yes, IDFC FIRST Bank offers pre-admission loan sanctions, which can help with visa applications by demonstrating financial backing.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1745569762312\"><strong class=\"schema-faq-question\">What is the repayment tenure for the IDFC education loan to study abroad?<\/strong> <p class=\"schema-faq-answer\">The repayment tenure for the IDFC education loan to study abroad extends up to duration of 15 years, including a moratorium period (course duration + up to 12 months).<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1745569763201\"><strong class=\"schema-faq-question\">Are there any tax benefits associated with the IDFC education loan?<\/strong> <p class=\"schema-faq-answer\">Yes, interest paid on the IDFC education loan qualifies for deductions under Section 80E of the Income Tax Act, reducing your taxable income.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1745569763776\"><strong class=\"schema-faq-question\">Do I need to provide collateral for the IDFC education loan to study abroad?<\/strong> <p class=\"schema-faq-answer\">For an IDFC education loan to study abroad, collateral is not required for loans up to INR 85 lakh. For higher amounts, secured loans up to INR 1.5 crore may require collateral.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1745569764140\"><strong class=\"schema-faq-question\">How long does it take to process the IDFC education loan application?<\/strong> <p class=\"schema-faq-answer\">The IDFC education loan approval typically takes 2\u20137 days, faster than the industry average, provided all documents are submitted correctly.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1745569764568\"><strong class=\"schema-faq-question\">Which countries and courses are eligible for the IDFC education loan to study abroad?<\/strong> <p class=\"schema-faq-answer\">The IDFC education loan supports courses in countries like the USA, UK, Canada, Australia, and more, for undergraduate, postgraduate, and professional programs at recognized institutions.<\/p> <\/div> <\/div>\n\n\n\n<p>Evaluate all <a href=\"https:\/\/leverageedu.com\/\"><strong>study abroad<\/strong><\/a> options with Leverage Edu. Stay tuned with <a href=\"https:\/\/live.leverageedu.com\/\"><strong>Leverage Live<\/strong> <\/a>classes and realise your dream of studying in your dream country.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-pale-ocean-gradient-background has-background has-fixed-layout\"><tbody><tr><td colspan=\"2\"><strong>Additional Blogs<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/leverageedu.com\/learn\/vidyalakshmi-education-loan-features-eligibility-how-to-apply-finance\/\"><strong>Vidyalakshmi Education Loan: Features, Eligibility, &amp; How to Apply<\/strong><\/a><\/td><td><a href=\"https:\/\/leverageedu.com\/learn\/canara-bank-education-loan-to-study-abroad\/\"><strong>Canara Bank Education Loan to Study Abroad<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/leverageedu.com\/learn\/axis-bank-education-loan-interest-rate-to-study-abroad\/\"><strong>Axis Bank Education Loan Interest Rate to Study Abroad<\/strong><\/a><\/td><td><a href=\"https:\/\/leverageedu.com\/learn\/documents-required-for-education-loan-in-sbi\/\"><strong>Documents Required for Education Loan in SBI: Download PDF<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/leverageedu.com\/learn\/bank-of-baroda-education-loan-interest-rates\/\"><strong>What Are Bank of Baroda Education Loan Interest Rates in 2025?<\/strong><\/a><\/td><td><a href=\"https:\/\/leverageedu.com\/learn\/sbi-education-loan-eligibility\/\"><strong>SBI Education Loan Eligibility: Who Can Apply, Eligible Courses &amp; Documents<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/leverageedu.com\/learn\/documents-required-for-education-loan-finance\/\"><strong>Documents Required for Education Loan: Types and Eligibility Criteria<\/strong><\/a><\/td><td><a href=\"https:\/\/leverageedu.com\/learn\/student-visa-rejection-reasons\/\"><strong>9 Common Reasons for a Student Visa Rejection<\/strong><\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n","protected":false},"excerpt":{"rendered":"The financial demands of international education, including tuition, living expenses, and travel, can be substantial for you as&hellip;\n","protected":false},"author":119,"featured_media":73645,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"editor_notices":[],"footnotes":""},"categories":[22],"tags":[],"class_list":{"0":"post-73643","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-finance"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>IDFC Education Loan to Study Abroad: Features, Eligibility, Application, Documents<\/title>\n<meta name=\"description\" content=\"Discover the IDFC education loan to study abroad\u2014flexible financing up to INR 1.5 crore, low rates from 8.5%, and easy repayment. 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