Could you tell me what the SBI Shaurya education loan scheme is and how much my defence family can borrow for studying abroad?
12 Oct 2026 · Answered by Mahalakshmi K · 1 min read
Quick Answer
verified
SBI Shaurya is an education loan scheme for wards and spouses of India's internal and external security forces. For studies abroad, the loan can go up to INR 1.50 crore, with up to 15 years of repayment after the moratorium. Terms change, so confirm them with SBI.
The SBI Shaurya Education Loan is a dedicated scheme for the wards and spouses of India's security forces. For international studies, defence families can typically borrow up to INR 1.50 crore.
Scheme Details
| Feature | Detail |
|---|---|
| Maximum loan, domestic | Up to INR 40 lakh |
| Maximum loan, international | Up to INR 1.50 crore |
| Repayment tenure | Up to 15 years after the moratorium |
| Margin up to INR 4 lakh | 0% (nil) |
| Margin above INR 4 lakh | 5% |
| Processing fee up to INR 20 lakh | Nil |
| Processing fee above INR 20 lakh | INR 10,000 plus GST |
Who Is Covered
- Indian Defence Forces: Army, Navy and Air Force
- Paramilitary forces: Indian Coast Guard and Central Armed Police Forces
- Applications can usually be started from a permanent residence or the current place of posting, subject to SBI rules
My Advice
If you qualify, compare the low margin and fee structure against other loans before choosing. Keep your service proof and admission documents ready, and check the official SBI page for current terms before you apply.
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