MBBS is one of the most rewarding — and most expensive — courses in India. StudyCapital helps medical aspirants get the right loan for government colleges, private colleges and top foreign medical universities.
| Category | Typical Fees | Recommended Loan | Top Lenders |
|---|---|---|---|
| Govt. Medical College (India) | ₹50K–3 Lakhs/year | ₹5–20 Lakhs | SBI, PNB, Bank of Baroda |
| Private Medical College (India) | ₹10–25 Lakhs/year | ₹60–2 Crore+ | HDFC Credila, Axis, SBI |
| MBBS in Russia | ₹3–6 Lakhs/year | ₹20–35 Lakhs | SBI, Bank of Baroda |
| MBBS in Philippines | ₹4–8 Lakhs/year | ₹25–45 Lakhs | HDFC Credila, SBI |
| MBBS in Kazakhstan/Georgia | ₹2.5–5 Lakhs/year | ₹15–30 Lakhs | SBI, PNB, Canara Bank |
Full tuition for all semesters including admission, registration and exam fees at government, private and foreign medical colleges.
On-campus hostel fees or private accommodation costs, including security deposits, are covered under most bank MBBS loan schemes.
Medical textbooks, lab coats, stethoscopes, anatomy kits and other course-related study materials can be included in the loan.
For MBBS abroad, one-way airfare and travel costs to the destination country are includable in the education loan amount.
Monthly living and food expenses, especially for students studying abroad in Russia, Philippines or Eastern Europe.
Health insurance premiums required for foreign student visas (Philippines OEC, Russia insurance) can be bundled into the loan.
| Country | Total Course Cost | NMC Approved | Loan Available |
|---|---|---|---|
| 🇷🇺 Russia | ₹18–30 Lakhs (6 years) | Yes | Up to ₹40 Lakhs |
| 🇵🇭 Philippines | ₹25–45 Lakhs (5.5 years) | Yes | Up to ₹60 Lakhs |
| 🇰🇿 Kazakhstan | ₹15–25 Lakhs (6 years) | Yes | Up to ₹35 Lakhs |
| 🇬🇪 Georgia | ₹18–28 Lakhs (6 years) | Yes | Up to ₹40 Lakhs |
| 🇧🇩 Bangladesh | ₹20–35 Lakhs (5 years) | Yes | Up to ₹45 Lakhs |
| 🇨🇳 China | ₹20–35 Lakhs (6 years) | Selective | Up to ₹45 Lakhs |
Yes. Indian banks provide education loans for MBBS at NMC-approved foreign medical universities in Russia, Philippines, Georgia, Kazakhstan and more. Loan amounts go up to ₹1 crore covering tuition, hostel and living expenses.
SBI, Bank of Baroda and Punjab National Bank offer the lowest rates (8.5%–10%) for MBBS at government medical colleges. For private and foreign medical universities, HDFC Credila and Axis Bank provide faster approvals. StudyCapital compares all options free of charge.
Yes. MBBS is a 5.5-year course including internship. Most banks offer a moratorium period equal to the course duration plus 1 year after completion — meaning you start repaying approximately 6.5 years after your loan is disbursed, once you begin earning.
Collateral-free MBBS loans up to ₹7.5 lakhs are available from government banks. Private lenders like HDFC Credila offer collateral-free options up to ₹40 lakhs for strong profiles. For private Indian medical colleges with high fees, collateral is generally required above ₹7.5 lakhs.
Yes. StudyCapital has helped numerous MBBS students secure loans for both Indian medical colleges and foreign universities. Our advisors are familiar with the specific documentation requirements for medical education loans, including NMC approval verification and hostel fee structures.