Check minimum income required for a ₹25 Lakh education loan. EMI starts ₹38,903/month. Compare 20+ banks.
To get a ₹25 Lakh education loan, you need a minimum monthly income of approximately ₹77,806 (at the lowest rate of 7.95% for 7 years, assuming no existing EMIs).
| Bank | Rate | Monthly EMI | Min Income Required | Processing Fee |
|---|---|---|---|---|
| Bank of Baroda | 7.95 - 10.45% | ₹38,903 | ₹74,814/mo | Nil |
| Canara Bank | 8.00 - 10.75% | ₹38,966 | ₹74,935/mo | Nil |
| Indian Bank | 8.00 - 10.30% | ₹38,966 | ₹74,935/mo | Nil |
| Union Bank | 8.05 - 10.60% | ₹39,028 | ₹75,054/mo | Nil |
| PNB | 8.10 - 10.90% | ₹39,090 | ₹75,174/mo | Nil |
| Bank of India | 8.10 - 10.85% | ₹39,090 | ₹75,174/mo | Nil |
| SBI | 8.15 - 10.70% | ₹39,153 | ₹75,295/mo | Nil |
| Central Bank | 8.15 - 10.65% | ₹39,153 | ₹75,295/mo | Nil |
| IDBI Bank | 8.25 - 11.25% | ₹39,278 | ₹75,535/mo | Nil |
| HDFC Bank | 9.00 - 13.68% | ₹40,223 | ₹80,446/mo | Up to 1.50% + GST |
| South Indian Bank | 9.15 - 12.00% | ₹40,413 | ₹80,826/mo | Nil |
| ICICI Bank | 9.25 - 13.00% | ₹40,541 | ₹81,082/mo | 1% + GST |
| Karur Vysya Bank | 9.50 - 12.50% | ₹40,860 | ₹81,720/mo | Nil |
| Axis Bank | 9.70 - 13.70% | ₹41,116 | ₹82,232/mo | Nil |
| Federal Bank | 9.85 - 12.50% | ₹41,309 | ₹82,618/mo | 0.50% + GST |
| Kotak Mahindra Bank | 10.00 - 16.00% | ₹41,503 | ₹83,006/mo | Up to 2% + GST |
| Yes Bank | 10.00 - 15.00% | ₹41,503 | ₹83,006/mo | 1% + GST |
| IDFC First Bank | 10.50 - 14.00% | ₹42,152 | ₹84,304/mo | 1% + GST |
| IndusInd Bank | 11.50 - 14.50% | ₹43,466 | ₹86,932/mo | 1% + GST |
| Bandhan Bank | 12.00 - 15.00% | ₹44,132 | ₹88,264/mo | 1% + GST |
The EMI for ₹25 Lakh education loan at 7.95% for 7 years is approximately ₹38,903 per month.
You need a minimum monthly income of approximately ₹77,806 for a ₹25 Lakh education loan at 7.95% interest rate (assuming no existing EMIs and 50% FOIR).
The lowest interest rate for ₹25 Lakh education loan starts from 7.95% p.a. in 2026. Compare all banks above.
With a ₹30,000 monthly salary and no existing EMIs, your maximum education loan eligibility at 7.95% for 7 years is approximately ₹9.64 L.
The total interest on ₹25 Lakh education loan at 7.95% for 7 years is approximately ₹7.68 L.