Got an admit to Business & Hotel Management School (BHMS)? Compare collateral-free education loans from 12+ banks & NBFCs, get rates from 6.85%, and see how much you can borrow, your EMI, and the Type D National Student Visa (Permit B) proof you'll need.
₹30–75 L
Typical Loan
48 Hours
Approval
From 6.85%
Interest Rate
Loan Snapshot
Why FundMyCampus
Up to high limits
₹30–75 L typical for Switzerland
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Unsecured options available
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The Complete Guide
Business & Hotel Management School (BHMS) is a niche college / institute in Switzerland — one of the top destinations for Indian students, with around ~5,000 heading there each year. A typical programme costs ₹35–80 L for 2-year Masters, so most students fund it with an education loan rather than paying out of pocket.
For Switzerland, Indian banks and NBFCs sanction loans of ₹30–75 L on average, with unsecured limits going significantly higher for strong academic and co-applicant profiles. Top lenders for Business & Hotel Management School (BHMS) include SBI Global Ed-Vantage, Bank of Baroda Vidya, ICICI Bank Education Loan — each with different rates, processing times and university lists, which is why comparing offers matters.
FundMyCampus matches you to the right lender for Business & Hotel Management School (BHMS), negotiates your interest rate, and handles the paperwork end-to-end — completely free for students. This guide covers how much you can borrow, the best banks, cost breakdowns, EMI estimates, and the Type D National Student Visa (Permit B) financial proof you'll need.
Your Journey
From admit to disbursement — what FundMyCampus handles end-to-end.
Check eligibility
Free 2-min quiz tells you which banks will approve and at what rate.
Submit documents
Upload through our portal — we organise and stress-test before submission.
Sanction in days
Most Switzerland loans approved in 5–14 days. We chase the bank for you.
Disbursement
Bank wires fees directly to Business & Hotel Management School (BHMS). You focus on the move.
Rates span 3–6% across lender types. PSU banks 8.65–10.50% (cheapest but slowest at 15–25 days). Private banks 10.25–12.75% (faster, recognise ETH/EPFL and top hospitality schools). NBFCs 10.50–14.50% (highest unsecured up to ₹1.5 Cr, most flexible on hospitality schools). Because Swiss budgets are large (₹35–80 L+), the rate choice matters significantly — a 1.5% reduction on a ₹60 L loan saves ₹9–12 L over the tenure. FundMyCampus typically negotiates 0.25–0.5% below initial sanction.
SBI Global Ed-Vantage
Max: ₹1.5 Cr
8.65% – 10.15%
Lowest rates for Switzerland. Best for ETH Zurich and EPFL where public tuition is low but living costs are high. 15–25 day processing.
Bank of Baroda Vidya
Max: ₹1.5 Cr
8.85% – 10.50%
PSU alternative to SBI. Funds top public universities with low rates; useful for the large living-cost component of Swiss budgets.
ICICI Bank Education Loan
Max: ₹1 Cr unsecured
10.25% – 12.50%
Fast 7–14 day approval. Recognises ETH, EPFL and top hospitality schools for unsecured loans. Best private bank option.
HDFC Credila
Max: ₹1.5 Cr unsecured
10.50% – 13.00%
Largest unsecured amounts — best for high total budgets and hospitality schools (Les Roches, Glion). 5–8 day approval.
Avanse Financial
Max: ₹75 L unsecured
11.00% – 14.00%
Most flexible on hospitality schools and co-applicant profile. Approves loans PSU banks decline.
Auxilo Finserve
Max: ₹75 L unsecured
11.50% – 14.50%
NBFC focused on study-abroad. Good for the high living-cost top-ups and blocked-account proof-of-funds that Swiss visas require.
Switzerland is unusual: public universities like ETH Zurich and EPFL charge very low tuition (about ₹1–4 Lakhs per year), but Switzerland is one of the world's most expensive countries to live in (₹22–32 Lakhs per year). This means most of your loan covers living expenses, not tuition. For ETH/EPFL students, PSU banks (SBI, BoB) offer collateral-free loans up to ₹50 Lakhs, which combined with family contribution often covers a public-university Masters. For the high-cost hospitality schools (Les Roches, Glion, EHL) and MBA programs (IMD), total budgets reach ₹50 L–₹1.3 Crore, requiring larger loans: ICICI offers up to ₹1 Crore unsecured, HDFC Credila up to ₹1.5 Crore, and Avanse/Auxilo up to ₹75 Lakhs. For amounts beyond unsecured limits, lenders accept residential property (LTV 75–85%), fixed deposits (LTV 90%) and LIC policies as collateral. Given the high overall cost, collateral-backed loans are more common for Switzerland than for cheaper European destinations.
Use these Switzerland estimates to right-size your Business & Hotel Management School (BHMS) loan — under-borrowing forces 18%+ personal loans abroad, over-borrowing wastes interest.
Tuition
Living
Travel
Misc + Books
Average Total Program Cost
₹35–80 L for 2-year Masters
Typical for Indian Master's students
| Program | Tuition | Living | Travel | Misc | Total |
|---|---|---|---|---|---|
| Masters at public university (ETH / EPFL, 2 yrs) | ₹2–4 L | ₹44–60 L | ₹2–3 L | ₹4–6 L | ₹52–73 L |
| Hospitality Management (Les Roches / Glion / EHL, 1–2 yrs) | ₹25–45 L | ₹22–32 L | ₹2–3 L | ₹4–6 L | ₹53–86 L |
| MBA (IMD Lausanne, 1 yr) | ₹70–90 L | ₹22–30 L | ₹2–3 L | ₹4–6 L | ₹98 L – ₹1.3 Cr |
| Bachelors (3–4 yrs) | ₹3–80 L | ₹66–96 L | ₹3–5 L | ₹6–10 L | ₹78 L – ₹1.9 Cr |
Visa Essentials
What you need to prove for your Switzerland student visa to Business & Hotel Management School (BHMS)
Year 1 fees
Tuition Proof
₹22–32
Living Funds
Mandatory
Loan Letter
3 key items
Requirements
Key Requirements
The Swiss Type D National Student Visa (leading to a Permit B residence permit) has among the strictest financial-proof…
Required documents: (1) Education loan sanction letter on bank letterhead clearly stating the sanctioned amount and…
Because Switzerland's living costs are so high, the strongest application combines: the loan sanction letter for…
Indicative EMIs for a Switzerland education loan, 10-year repayment after the moratorium period.
₹35 L · 10% · 10 yrs
~₹46,300
Monthly EMI
₹50 L · 10.5% · 10 yrs
~₹67,400
Monthly EMI
₹60 L · 11% · 12 yrs
~₹71,200
Monthly EMI
₹40 L · 9% · 12 yrs
~₹45,300
Monthly EMI
₹75 L · 11% · 12 yrs
~₹89,000
Monthly EMI
₹50 L · 9.5% · 15 yrs
~₹52,200
Monthly EMI
After Graduation
What awaits Business & Hotel Management School (BHMS) graduates post-study
Available
Post-study work
Yes
PR pathway
Strong
Salary growth
~5,000/yr
Indian community
Highlights
Switzerland allows international graduates from Swiss universities to stay for up to 6 months after completing their…
Switzerland offers some of the highest salaries in the world, which makes loan repayment exceptionally fast for those…
Hospitality graduates from Les Roches, Glion and EHL have a distinct path: these schools have unmatched global…
Compare loan options for similar institutions.
Success Story
““ETH Zurich's tuition was barely ₹3 L a year — the real cost was living in Zurich, one of the world's priciest cities. SBI sanctioned ₹45 L at 9.85% to cover two years of living, and I won a partial ETH excellence stipend that covered the rest. After graduating I joined a deep-tech firm in Zurich at CHF 105,000. Even with Swiss living costs, I save aggressively and have already cleared more than half my loan in under three years. Studying STEM in Switzerland was far better value than the US for me.”
Common questions Indian students ask about funding their studies at Business & Hotel Management School (BHMS)