Do we have to maintain around 50 lakh rupees in the account for visa processing, and how much of that can be taken as loan in UK?

No, you do not need to maintain ₹50 lakh in your bank account for UK student visa processing. The required funds are based on your tuition fees and living expenses for up to 9 months.

- Living expenses (London): £1,334/month (up to 9 months)
- Living expenses (outside London): £1,023/month (up to 9 months)
- Tuition fees: As per your university offer letter

You can use an education loan to show proof of funds. The loan sanction letter must state the funds are available and unconditional. The maximum loan amount depends on the lender and your eligibility, with many Indian banks and NBFCs offering up to ₹1.5 crore with collateral or ₹40 - 75 lakh without collateral.