Your medical career. Your funding roadmap.
Check which loan routes may suit your college, admission route, funding need and co-applicants — in India or abroad. Free, indicative, and no credit enquiry is made.
Share your details and a FundMyCampus counsellor will call you about your options.
Prefer to see your options yourself? Get an indicative result here — no contact details needed.
Medical students often see four very different repayment structures. Which one fits depends on your college, admission route, credit and co-applicants.
₹0 required during study
For merit admissions at the exact campus listed as a Quality Higher Education Institution (QHEI). Collateral-free, with a course-plus-one-year moratorium. Interest still accrues unless an interest-support benefit covers it.
Monthly interest during study
For MBBS, BDS, MD, MS and MDS in India, on loans above ₹7.5 lakh. You pay simple interest while studying and the full EMI later. A financial co-applicant is required.
Fixed partial payment by loan band
For MD/MS in India. Your stipend and co-applicant income can be combined — or stipend alone can be assessed. The study-period payment depends on loan amount and security, not on the stipend.
Full EMI from disbursement
Used when the routes above don't fit, and for most study-abroad cases. Co-applicant income must support the EMI; some routes need property collateral roughly equal to the loan.
Only a lender can sanction a loan. The checker applies FundMyCampus's screening rules and supplied product terms; final rates, amounts and conditions are confirmed by the lender.
Scheme coverage is campus-specific. An affiliated university's listing does not automatically cover its colleges, and management / NRI quota admissions are excluded from the scheme route.
| Destination | Repayment | Collateral |
|---|---|---|
| Russia, Uzbekistan, Kyrgyzstan, Kazakhstan | Direct EMI | Required |
| Georgia, Italy | Direct EMI | Not mandatory |
| Other countries | Country-specific lender review | |
These are FundMyCampus screening assumptions, not universal bank policy. The university, course recognition and co-applicant income must be accepted by the lender. Overseas rates are quoted case by case.
Click a state to browse NMC medical and DCI dental colleges, and see which appear in the QHEI scheme snapshot.
Select up to 3 medical or dental colleges and compare courses, ownership and scheme-listing status.
Same loan, different structures. Figures assume the full amount is disbursed at once; real payments are lower early on because fees are disbursed in stages.
| Structure | Illustrative rate | During study | After study (10-year EMI) |
|---|---|---|---|
| Simple-interest route, secured | 9.25% p.a.* | ₹38,542 / month interest | ₹64,016 / month |
| Simple-interest route, unsecured | 10.75% p.a.* | ₹44,792 / month interest | ₹68,169 / month |
| PG flexible-income route (above ₹25L to ₹50L) | Lender quote | ₹15,000 / month partial payment | Per sanction terms |
| Direct EMI | 11.5% p.a. (example) | ₹70,298 / month EMI | ₹70,298 / month |
| Scheme route (QHEI, merit) | Institution-category rate | ₹0 required — interest accrues | Per sanction terms, up to 15 years |
*Campaign rates for eligible lender application IDs created through 15 November 2026, subject to lender confirmation; processing fee ₹19,999 + GST. Figures exclude fees, insurance and taxes. At a 50% FOIR assumption, a ₹70,298 EMI needs about ₹1,40,595/month of eligible co-applicant income.
The simple-interest campaign rates applied to lender application IDs created up to 15 November 2026. Ask a counsellor for today's rates.
| Student score | Outcome in this checker |
|---|---|
| Below 670 | No route offered — counsellor can review your report |
| 670 – 700 (inclusive) | Direct-EMI route only |
| 701 and above | Normal screening, if at least one parent scores 701 or more |
| Unknown / no history | Credit review — not treated as zero |
These are FundMyCampus screening rules, not a universal bank policy. Scores you enter are self-reported; the checker does not pull a credit report.
Straight answers to what students and parents ask us most about MBBS, BDS and PG medical loans.
Some routes allow it. The institution, your admission route and the lender's policy decide it. Use the college check above instead of assuming every MBBS loan needs security.
No. The exact institution and campus must be on the current QHEI list, and the admission must be merit-based. Check your college above.
Not automatically. A moratorium defers repayment; interest still accrues. An interest subsidy is a separate benefit with its own income and eligibility conditions.
Yes, the checker combines them for screening. The lender decides which relationships and income evidence it accepts.
Potentially, on the flexible-income route, if the lender accepts the stipend for underwriting. It doesn't change the payment band and doesn't remove the parent-credit requirement.
No. ₹15,000 is the study-period payment for loans above ₹25 lakh up to ₹50 lakh on the PG flexible-income route. Larger loans have higher bands, and the full EMI applies after study.
Don't assume so. The exact teaching institution and the scheme's scope must be confirmed.
Yes, but their income evidence is assessed differently, so these cases go for lender review rather than an automatic fit.
Under FundMyCampus's current screen, a student below 670 has no route offered; 670–700 is direct EMI only; normal screening needs the student above 700 and at least one parent above 700. These are screening rules, not a sanction or a universal bank policy.
Select "No credit history (NH / NA)". Your profile goes for review — it is not treated as a zero score.
No. Management and NRI quota admissions are excluded from the PM-Vidyalaxmi / QHEI route. Other lender products can still be reviewed.
No. The checker does not make a credit bureau enquiry. The scores you enter are self-reported.
No. It means our dated snapshot hasn't established scheme coverage for that record. A counsellor can check spelling, campus identity and later list updates, and review other routes.
Every college status and rule on this page comes from a dated source. Records overlap across sources, so counts are never added together.