Out of a total budget of one crore INR, how much can realistically be covered by scholarships and how much would need to be taken as a loan for a Master's?

You can typically expect scholarships to cover about 20% to 30% of your ₹1 crore master's budget abroad, which means ₹20 - 30 lakh may be funded by scholarships, depending on the country, university, and your academic profile.

The remaining ₹70 - 80 lakh would usually need to be arranged through personal savings and/or an education loan.

- Education loans from Indian banks can go up to ₹1.5 crore. Loans above ₹7.5 lakh generally require collateral. Interest rates are typically 8.5% - 13% and cover tuition, living expenses, and related costs (subject to change).

Combining scholarships, loans, and personal funds is the most practical way to finance your studies within this budget.