When do I have to pay university fees and when does the bank provide the education loan, especially for January intake?

You typically need to pay university tuition fees by the start of your term, which for a January intake is usually around January 1st. Some universities may offer installment plans, allowing you to pay in multiple parts across the academic year.

For education loans:
- Loan sanctioning: Apply and get approval before the fee deadline.
- Disbursement: Banks usually release funds after you secure your visa or when the university requires payment. The amount for tuition is sent directly to the university; living expenses may be credited to your account.

Timelines can vary by bank and university, so start your loan process at least 2-3 months before your payment deadline.