What are the criteria to apply for an education loan if my parents cannot support me financially for 25 lakhs?

It is difficult to secure a ₹25 lakh education loan without parental financial support, as most Indian banks require a co-applicant with a stable income for large amounts. However, you have a few alternative options:

- Collateral-based loans: If you can provide property, fixed deposits, or other assets as security, some lenders may approve a loan without needing parental income.
- NBFCs/international lenders: Some non-banking financial companies and overseas lenders offer loans based on your academic profile and future earning potential, not parental income. These may have higher interest rates and stricter eligibility.
- Government schemes: The Credit Guarantee Fund Scheme for Education Loans (CGFSEL) covers up to ₹7.5 lakh without collateral, which is less than your target but can help with partial funding.
- Scholarships/grants: Securing scholarships can reduce the loan amount needed.

Eligibility and requirements vary by lender and are subject to change.