Canada

Hi Mehma,
There are education loans from Indian banks. The scholarship is possible but will depend on your profile and the university. Scholarships are on merit basis and no one can really predict. 85% is a very good percentile. If your overall application that is your SOP, Essay, recommendation letters, IELTS scores etc. Are very good then there is a chance. You should start checking university websites and learn about the admission requirements. More importantly is the deadline. If you are aiming for a scholarship submit the best application you could and before the deadlines. The more you delay the less chance will be for admission and scholarship.

First thing, you need to do is figure out your area of interest. Based on that, you need to go through Universities list and check for faculty members working in that area. Then, you need to figure out under whom you would like to work. Then, you send them a mail along with your CV mentioning your academics and publication (if any), and also enquire if there is any vacancy. Once, you get an approval from that faculty for being ready to supervise you, based on the University requirements you might need to give TOFEL or ILETS. Some colleges don't even need that, if you can produce a letter from your university stating medium of instruction was English during your undergrad and graduate studies. I hope it helps. If you have further queries please feel free to message. Wish you good luck. Best regards, Path.