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FundMyCampus: Education Loan Platform
Top affordable MBBS destination for Indian students

Education Loanfor Bangladesh

Written by Deepak Agrawal, Founder & CEO, FundMyCampus · MBA, IIM BangaloreReviewed by Ashmita Agarwal, Director, FundMyCampusUpdated on

Bangladesh is one of the most popular and affordable MBBS destinations for Indian students, with dozens of NMC-approved medical colleges, English-medium teaching, an Indian-style curriculum, and total costs of just ₹30–44 Lakhs for the full degree. Here's the complete 2026 educat…

₹20–30 L

Typical Loan

Free

Counsellor call

From 8.6%*

(if simple interest is paid during the course; 9.6% otherwise)

* From 8.6% with collateral (PNB Udaan standard, if you pay simple interest during the course; 9.6% otherwise) and around 10.5% without collateral. Final rate is set by the lender.

Bangladesh: study destination for Indian students

Country Snapshot

Tuition (yr)
₹18–28 L total
Living (yr)
₹7–12 L for 6 years (incl. internship)
Visa
Bangladesh Student Visa (E-Type)
Indian students
~10,000+/yr

Why Bangladesh

Top reasons Indian students choose Bangladesh

World-class universities

14+ approved institutions

Strong career outlook

~10,000+ Indian students/yr

Loan-ready

All 12+ FundMyCampus banks lend here

Global network

Clear post-study work pathway

The Complete Guide

Studying in Bangladesh

Bangladesh has become one of the most popular and affordable destinations for Indian students who want to pursue MBBS abroad. Each year thousands of Indian students enrol in NMC-approved Bangladeshi medical colleges, drawn by the low total cost (₹30–44 Lakhs for the entire degree), English-medium teaching, an Indian-style curriculum, and a short, cheap flight home. For students who qualify NEET but miss out on a government MBBS seat in India. And can't stretch to the ₹70 L–₹1 Cr fees of private Indian medical colleges. Bangladesh offers a recognised, budget-friendly route to a medical career.

01

Because the cost is modest compared with Western MBBS or any Western Master's, education loans for Bangladesh are very manageable. A loan of ₹20–30 Lakhs typically covers tuition plus living for all 5–6 years, and lenders structure a long moratorium that runs through the course and internship so EMIs only begin once you're back in India and on track to clear the FMGE/NExT licensing exam. PSU banks like SBI and Bank of Baroda offer the lowest rates (with collateral), while NBFCs like Avanse and Auxilo fund the full degree without property collateral at slightly higher rates.

02

This guide covers everything an India-bound MBBS aspirant needs: how much loan you can get, NEET and NMC eligibility requirements, which colleges qualify, the FMGE/NExT exam that determines your Indian medical career, cost breakdowns, sample EMIs, visa financial proof, and the government subsidy schemes you can stack on top. FundMyCampus has helped families fund affordable medical education abroad. And for Bangladesh, getting the loan and college approval right from day one is what makes the whole journey smooth.

Cost of Studying in Bangladesh

Use these numbers to right-size your loan, under-borrowing forces 18%+ personal loans abroad, over-borrowing wastes interest.

Tuition

Living

Travel

Misc + Books

Average Total Program Cost

₹30–44 L for the full MBBS (MBBS+internship)

Total for 5 years plus internship, including living costs.

ProgramTuitionLivingTravelMiscTotal
MBBS (5 yrs + 1 yr internship)₹20–28 L₹7–12 L₹1–1.5 L₹1.5–2.5 L₹30–44 L
BDS (Dental, 5 yrs)₹16–24 L₹5–8 L₹1–1.5 L₹1.5–2 L₹23–35 L
MD / MS (Postgraduate, 3–5 yrs)₹12–25 L₹4–8 L₹1–1.5 L₹1.5–2.5 L₹18–37 L
B.Sc Nursing (4 yrs)₹8–14 L₹4–6 L₹1 L₹1–1.5 L₹14–22 L

Tuition varies by university. See each university's page.

Your Journey

How your Bangladesh loan flows

From admit to disbursement, what FundMyCampus handles end-to-end.

1

Check eligibility

Free 2-min quiz tells you which banks will approve and at what rate.

2

Submit documents

Upload through our portal. We organise and stress-test before submission.

3

Sanction in days

Most Bangladesh loans approved in 5–14 days. We chase the bank for you.

4

Disbursement

Bank wires fees directly to your Bangladesh institution. You focus on the move.

Free in 2 minutes

See your eligibility for Bangladesh loans

University, loan amount, co-applicant income. We tell you which banks approve you and at what rate.

Best Lenders for Bangladesh Loans

Lowest rate with collateral: 8.6% (PNB Udaan, if you pay simple interest during the course; 9.6% otherwise). Without collateral, NBFCs lend at about 10.5%.

State Bank of India (SBI Student Loan) logo
State Bank of India (SBI Student Loan)

Interest: 9.15% to 10.15%

For Bangladesh: up to ₹40 L (₹7.5 L collateral-free)

Study abroad, with collateral: 9.65% (9.15% at SBI's select universities) · Study abroad, without collateral: 9.65% at SBI's select universities, up to ₹50 lakh

Lowest rates for Bangladesh MBBS. Loans above ₹7.5 L typically need collateral. Best for families with property to pledge. 15–25 day processing.

Bank of Baroda (Baroda Scholar) logo
Bank of Baroda (Baroda Scholar)

Interest: Rate on requestWe'll get the current rate for you

For Bangladesh: up to ₹40 L

Strong PSU choice with a defined list of approved foreign medical universities. Slightly faster than SBI at Tier-2 branches. Collateral usually required above ₹7.5 L.

Avanse Financial Services logo
Avanse Financial Services

Interest: Rate on requestWe'll get the current rate for you

For Bangladesh: up to ₹40 L

Most flexible NBFC for Bangladesh MBBS. Funds the full degree including living costs and approves profiles that PSU banks decline. Faster sanction (5–8 days).

Auxilo Finserve logo
Auxilo Finserve

Interest: Rate on requestWe'll get the current rate for you

For Bangladesh: up to ₹40 L

Specialist in overseas medical education. Comfortable lending for NMC-approved Bangladesh colleges and offers tailored repayment for the long MBBS tenure.

ICICI Bank Education Loan logo
ICICI Bank Education Loan

Interest: Rate on requestWe'll get the current rate for you

For Bangladesh: up to ₹40 L

Fast private-bank option (7–14 days). Funds Bangladesh MBBS for NMC-listed colleges. Secured loans get the best rates for full-degree financing.

Tata Capital Education Loan logo
Tata Capital Education Loan

Interest: Rate on requestWe'll get the current rate for you

For Bangladesh: up to ₹35 L

Useful backup NBFC when banks delay. Flexible co-applicant norms and quick digital processing for overseas medical programs.

PNB Udaan logo
PNB Udaan

Interest: 8.6% (if you pay simple interest during the course; 9.6% otherwise)

Lowest rate with collateral here

PNB Udaan standard, with collateral. Without collateral: rate on request. Rates confirmed by FundMyCampus with PNB.

Interest rates are each lender's standard range. They depend on your university, collateral and co-applicant, not on the country. What changes by country is how much each lender funds and which universities it approves.

Collateral & Unsecured Options

For Bangladesh MBBS, the cost is modest (₹30–44 L total) so the collateral question is more manageable than for Western countries. PSU banks (SBI, Bank of Baroda) lend up to ₹7.5 Lakhs collateral-free. But a full MBBS costs far more, so for the typical ₹20–30 L requirement, collateral is almost always needed. Acceptable collateral: residential or commercial property (LTV 75–85%), fixed deposits (LTV up to 90%), LIC policies (surrender value), and government bonds. NBFCs (Avanse, Auxilo, Tata Capital) can fund the full degree without property collateral for amounts up to ₹40 L, relying on the co-applicant's income and CIBIL instead, at higher interest rates. A common, cost-effective strategy: pledge a modest property or a fixed deposit with a PSU bank for the ₹20–25 L core requirement to lock in the lowest rate, since the smaller loan size keeps EMIs and total interest comfortably low.

Visa Essentials

Bangladesh Student Visa (E-Type)

What you need to prove for your Bangladesh visa

Year 1 fees

Tuition Proof

₹7–12

Living Funds

Mandatory

Loan Letter

3 key items

Requirements

Key Requirements

  • 1

    The Bangladesh Student Visa (E-Type) is one of the simpler student visas for Indian applicants, but you must still…

  • 2

    Unlike Western visas, there is no fixed minimum bank balance benchmark, but the documents must clearly show the full…

  • 3

    Because MBBS in Bangladesh runs 5–6 years, banks usually disburse tuition annually or semester-wise directly to the…

Top Universities in Bangladesh

These are on most lenders' preferred lists, easier approval, higher unsecured limits, lower rates.

UniversityLocationAnnual FeesTier
Dhaka Medical CollegeDhaka₹4–5 LPremier
Sir Salimullah Medical CollegeDhaka₹4–5 LPremier
Chittagong Medical CollegeChittagong₹4 LPremier
Rajshahi Medical CollegeRajshahi₹4 LPremier
Bangladesh Medical CollegeDhaka₹5–6 LTier 1
Holy Family Red Crescent Medical CollegeDhaka₹5 LTier 1
Z. H. Sikder Women's Medical CollegeDhaka₹4.5 LTier 1
Ibrahim Medical CollegeDhaka₹5 LTier 1
Eastern Medical CollegeComilla₹4.5 LTier 2
Community Based Medical CollegeMymensingh₹4 LTier 2
International Medical CollegeGazipur₹4.5 LTier 2
Khulna City Medical CollegeKhulna₹4 LTier 2
President Abdul Hamid Medical CollegeKishoreganj₹4 LTier 2
Jahurul Islam Medical CollegeKishoreganj₹4 LTier 2

Get a Loan for Your Bangladesh University

See lender-wise rates, how much you can borrow, and EMI estimates for popular Bangladesh universities.

Bangladesh Medical CollegeBangladesh University of Engineering and TechnologyBangladesh University of ProfessionalsChittagong Medical CollegeComilla Medical CollegeCommunity Based Medical College BangladeshDhaka Medical CollegeDhaka National Medical CollegeEnam Medical CollegeIbrahim Medical CollegeKhulna Medical CollegeMymensingh Medical College

After Graduation

Career Outlook in Bangladesh

What awaits Indian graduates post-study

Available

Post-study work

Yes

PR pathway

Strong

Salary growth

~10,000+/yr

Indian community

Highlights

  • Almost all Indian students who complete MBBS in Bangladesh return to India to practise.

  • Bangladesh has historically had one of the better FMGE pass rates among MBBS destinations, partly because the…

  • Starting salaries for fresh MBBS doctors in India range from ₹4–8 L/year, rising substantially after PG specialisation…

Sample EMI Calculations

Typical EMI for a Bangladesh loan, 10-year repayment tenure after moratorium.

₹20 L · 9% · 10 yrs

~₹25,300

Monthly EMI

₹30 L · 9.5% · 10 yrs

~₹38,800

Monthly EMI

₹40 L · 10% · 10 yrs

~₹52,900

Monthly EMI

₹35 L · 11% · 12 yrs

~₹43,900

Monthly EMI

₹25 L · 9% · 15 yrs

~₹25,400

Monthly EMI

₹45 L · 10.5% · 12 yrs

~₹55,100

Monthly EMI

Calculate your exact EMI with our education loan EMI calculator (includes moratorium interest)

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Bangladesh-Specific Documents

  • 1NEET scorecard (mandatory: NMC requires NEET qualification for MBBS abroad)
  • 2Admission/eligibility letter from the NMC-approved Bangladesh medical college
  • 3Eligibility Certificate from the National Medical Commission (NMC)
  • 4Class 10 and Class 12 mark sheets and certificates (PCB subjects)
  • 5Passport valid for the full course duration
  • 6Bangladesh student visa (E-Type) application documents
  • 7Medical fitness certificate including HIV/Hepatitis test reports
  • 8Migration and transfer certificate from previous school/college
  • 9College fee structure letter (year-wise) for loan disbursement
  • 10Passport-size photographs and birth certificate

Government Schemes

For Bangladesh MBBS, several Indian government schemes can reduce the effective loan cost: (1) Section 80E tax deduction. Available on interest paid for loans from any RBI-registered bank or NBFC, with full deduction for up to 8 years. This applies to overseas MBBS loans. (2) Padho Pardesh, interest subsidy during the moratorium for students from notified minority communities (Muslims, Sikhs, Christians, Buddhists, Parsis, Jains) from families earning ≤ ₹6 L/year, for studies abroad. (3) Dr. Ambedkar Central Sector Scheme, interest subsidy for SC/ST and OBC students pursuing studies abroad, subject to income caps (₹8 L for SC/ST). (4) Several state governments (Tamil Nadu, Maharashtra, Kerala, Telangana, Andhra Pradesh) run their own interest-subsidy or education-loan-subsidy schemes that cover overseas medical studies for resident students. Because the Bangladesh MBBS loan is small, even one applicable subsidy can meaningfully cut the effective rate. Always confirm eligibility with your loan counsellor. FundMyCampus helps identify and stack the schemes you qualify for. Note: the Section 80E deduction is available only under the old tax regime.

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Compare Bangladesh With Other Study Destinations

Education loan guides for every country Indian students study in

Education Loan for Bangladesh FAQs

Common questions Indian students ask about studying in Bangladesh on loan

You can borrow up to ₹40 Lakhs for MBBS in Bangladesh, which comfortably covers the full degree (total cost is typically ₹30–44 L). PSU banks like SBI and Bank of Baroda offer up to ₹40 L but generally need collateral above ₹7.5 L. NBFCs like Avanse and Auxilo can fund the entire degree up to ₹40 L without property collateral, relying on your co-applicant's income. For most students, a ₹20–30 L loan covers tuition plus living expenses for all 5–6 years. FundMyCampus structures the loan with year-wise disbursement so funds are released to the college each academic year.
Yes. Since the NMC regulations, NEET qualification is mandatory for any Indian student pursuing MBBS abroad — including Bangladesh. You must have a valid NEET scorecard, and most lenders ask for it as part of the loan file because it confirms your eligibility to practise in India after the degree. You also need an Eligibility Certificate from the NMC. Without NEET qualification, you cannot legally enrol for MBBS abroad or appear for FMGE/NExT on return, so banks treat it as a non-negotiable document.
Many Bangladesh medical colleges are recognised and listed for Indian students, but not all. You must confirm the specific college is currently NMC-approved and recognised by the World Directory of Medical Schools before enrolling and before applying for a loan. Lenders will only fund colleges that allow you to sit FMGE/NExT and register in India. Reputed options include Dhaka Medical College, Chittagong Medical College, Rajshahi Medical College, and several private colleges in Dhaka. FundMyCampus verifies the college's current approval status as part of the loan eligibility check.
Yes. NBFCs such as Avanse, Auxilo, and Tata Capital fund Bangladesh MBBS fully without property collateral up to ₹40 L, underwriting based on your co-applicant's income and CIBIL score. The trade-off is a higher interest rate compared to secured PSU bank loans. PSU banks offer only ₹7.5 L collateral-free, which is far below the full cost, so for unsecured full-degree financing, an NBFC is usually the route. Because the loan amount is modest, the extra interest from an unsecured NBFC loan is often a few lakhs over the tenure. Many families accept this for the convenience of not pledging property.
FMGE (Foreign Medical Graduate Examination), now transitioning to NExT (National Exit Test), is the licensing exam every foreign MBBS graduate must clear to register with the NMC and practise medicine in India. It matters for your loan because your ability to repay depends on starting an Indian medical career after the degree. Bangladesh historically has strong FMGE pass rates because its curriculum closely mirrors India's. Lenders are comfortable funding Bangladesh MBBS partly for this reason. FundMyCampus structures the moratorium to cover the full course plus internship, giving you time to clear FMGE/NExT before EMIs begin.
Repayment typically begins after a moratorium that covers the entire course duration (5 years) plus internship (1 year) plus an additional grace period of 6–12 months. So EMIs usually start around 6.5–7 years after disbursement begins. During the moratorium you can opt to pay only simple interest to keep the principal from growing, or defer entirely (interest accrues). For a ₹25 L loan at ~9.5% over 10 years, the EMI is roughly ₹32,300/month. Paying simple interest during the moratorium significantly reduces total interest, and FMGE/NExT-cleared doctors usually start earning before EMIs begin.
Bangladesh is popular for several reasons: (1) Low cost. Total MBBS cost is ₹30–44 L versus ₹50 L–₹1 Cr+ for Western countries. (2) English-medium instruction throughout. (3) An Indian-style curriculum and similar clinical case mix, which supports strong FMGE/NExT pass rates. (4) Geographic and cultural proximity, short, affordable travel to India and familiar food and lifestyle. (5) A defined seat quota system for Indian students. For students who qualify NEET but don't get a government MBBS seat in India and can't afford ₹1 Cr+ private Indian college fees, Bangladesh offers a recognised, affordable path to becoming a doctor.
Lenders offer several repayment structures: (1) Standard EMI after the full moratorium (course + internship + grace), for ₹25 L at 9.5% over 10 years, about ₹32,300/month. (2) Step-up EMI: lower EMIs in the first years after you start practising, rising as your salary grows post-FMGE and PG. (3) Simple interest during the moratorium: paying just the interest while studying keeps the principal flat and cuts total cost significantly. (4) Longer tenure (up to 15 years) to reduce monthly EMI. A ₹20 L loan at 9% over 15 years is only about ₹20,300/month. Section 80E lets you deduct the full interest paid for up to 8 years. Note: the Section 80E deduction is available only under the old tax regime.
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