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, 50 lakh rupees is not a fixed requirement; your typical 1-year UK masters needs roughly 30 to 50-plus lakh combining tuition and living costs, calculated from your CAS minus any deposit paid. You can take 100 percent of this as an education loan, which waives the 28-day fund rule.
No, you do not have to maintain a flat 50 lakh rupees; that number only applies to some cases depending on your tuition fees and city. UK Visas and Immigration uses a strict formula based on your outstanding tuition and monthly living costs, and the good news is that the entire amount can come from an education loan rather than your own savings.
What Your Visa Fund Requirement Actually Looks Like
| Cost Component | Amount |
|---|---|
| Living costs outside London | 1,171 pounds per month for up to 9 months, about 10,539 pounds (roughly 11.5 to 12 lakh rupees) |
| Living costs in London | 1,529 pounds per month for up to 9 months, about 13,761 pounds (roughly 15 to 16 lakh rupees) |
| Example total (18,000 pound net tuition plus outside-London living) | Roughly 28,539 pounds, about 30 to 33 lakh rupees |
| Typical collateral-free education loan cap | Up to 40 to 50 lakh rupees |
How Much Can Come From a Loan
- Yes, you can take 100 percent of your required visa amount as an education loan from a bank or NBFC.
- If you use cash savings instead, UKVI's 28-day rule requires the money to sit untouched in your account for 28 consecutive days.
- An official loan sanction or disbursement letter waives the 28-day holding rule entirely.
- Secured loans against property can finance amounts well beyond the usual unsecured cap when your requirement is higher.
My Advice
Pull your exact fee balance from your CAS breakdown first, then approach lenders like SBI, HDFC Credila, Avanse, or Prodigy for a sanction letter rather than parking cash for 28 days. This single step removes your biggest source of visa-timeline stress.
Will you qualify for a UK education loan?
Collateral, co-applicant income and repayment. Check your eligibility in minutes.
More Cost & living questions
- If I get an education loan, can I proceed with the application after the loan amount is clear?
- Is it better to spend 12 lakhs in India or go abroad for higher studies in Germany for a Master's?
- Does the agency provide end-to-end services including visa, loan guidance, and accommodation?
- Do I need to show living expenses in my bank account for visa purposes, and can I withdraw it after reaching Ireland?
- How do I get an education loan for an MBA abroad as an Indian student?
- What is the minimum budget required for studying abroad in Canada or Ireland for two years?
- Are you helping with educational loans or bank loans for studying abroad in UK/Ireland for a Master's?
- Can I apply for an education loan up to 30 to 35 lakhs or 30 to 40 lakhs budget?
More UK questions
- Is a loan sanction letter from the government regulated Indian Bank accepted for a UK student visa application?
- By when should my HEP point be completed, should it be this month to avoid delay in UK?
- Is January 2027 intake possible for masters in business analytics in UK/UAE?
- Is it possible to study computer science with specialization in artificial intelligence in UK/New Zealand for a Master's?
- Can I study in the UK without IELTS, and which universities accept other English tests?
- How do US universities evaluate Indian LLM applicants differently from UK or European law schools?
- What is the fee range for a one-year MBA course compared to a two-year course in UK?
- Can I call my husband on a dependent visa after I go on a student visa for my masters abroad in UK/Ireland?