SA_Scholarships & Loans

There is no scholarship that can be tagged as the "the easiest one to get". Getting a scholarship depends entirely on your profile, your academic documents, and your timely submitted and completely filled application. 

To get a fully funded scholarship, you need top grades, strong test scores, compelling essays (SOP/LORs), relevant experience and proactive research into specific, prestigious programs like Fulbright and Chevening, applying early with all required documents like transcripts and English tests for full tuition and living cost coverage. 

Primary fully funded option is Manaaki New Zealand Government Scholarship. This covers full tuition, a living stipend, and airfare. Also, Indian students can apply for University-specific Ph.D. scholarships (like at Otago or Auckland), which often provide full funding for research candidates.

First step to apply for a fully funded scholarship is to identify which of the scholarships cover your tuition 100%. Next up is reading all the conditions of the scholarship including its eligibility conditions. Make sure to match your qualifications with them and also make sure that your chosen course is also covered in the eligible courses. 

Read complete application process suggested on the scholarship page and follow as they suggest. Prepare your documents and apply within the application window.  

Reserve Bank of India (RBI) offers loans to smaller banks like SBI and ICICI bank. Repo Rate is ROI that these smaller banks have to pay when they borrow money from RBI. IT changes time to time.

There is no fixed rate of interest for PM Vidya Lakshmi education loan. ROI completely depends on the bank loan scheme and profile of a candidate. If your CIBIL score is 700+ ROI can be less.

ICICI education loan ROI is 9.25% to 10.25% in December 2025. It can be simply calculated with formula "Repo Rate + 3.75% onwards". Current Repo rate announced by RBI is 5.5%

Applicant's age should be between 18 to 35 years. Nationality should be Indian only. If applying with co-applicant then it should be a blood relation. Mother, father, brother, and sister anyone can be a co-applicant.

GKS Scholarship is fully funded. It means that it covers all major expenses for students studying in South Korea. This includes a full tuition fee waiver, monthly living stipend, and round-trip airfare for your travel.

Axis bank, ICICI bank and HDFC Bank are known for providing 100% education loan for studying abroad.