Got an admit to Epitech? Compare education loans from 12+ banks & NBFCs, rates from 8.6% (if simple interest is paid during the course; 9.6% otherwise), and see how much you can borrow, your EMI, and the Long-Stay Student Visa (VLS-TS) proof you'll need.
₹30–80 L (varies hugely by program)
Typical Loan
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From 8.6%
(if simple interest is paid during the course; 9.6% otherwise)
Loan Snapshot
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Up to high limits
₹30–80 L (varies hugely by program) typical for France
Collateral-free
Unsecured options available
12+ lenders
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The Complete Guide
Epitech is a college or institute in France. For Indian students, a typical France programme costs ₹22 L–1.24 Cr (depends entirely on program) in total, so most fund it with an education loan rather than paying out of pocket.
For France, Indian banks and NBFCs sanction loans of ₹30–80 L (varies hugely by program) on average, with unsecured limits going significantly higher for strong academic and co-applicant profiles. Top lenders for Epitech include SBI Global Ed-Vantage, ICICI Bank Education Loan, Credila each with different rates, processing times and university lists, which is why comparing offers matters.
FundMyCampus matches you to the right lender for Epitech 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 Long-Stay Student Visa (VLS-TS) 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 France loans approved in 5–14 days. We chase the bank for you.
Disbursement
Bank wires fees directly to Epitech. You focus on the move.
PSU banks 9.15–10.50%, private 10.25–12.75%, NBFCs 10.50–14%. France costs vary widely (₹25 L public uni → ₹1.25 Cr INSEAD). On an ₹80 L MBA loan, a 2% rate gap costs ₹16 L extra, negotiate aggressively.
SBI Global Ed-Vantage
Max: ₹1.5 Cr
9.15% to 10.15%
Lowest rates for France studies. INSEAD, HEC on SBI's List A. Eligible for CSIS subsidy at lower amounts.
ICICI Bank Education Loan
Max: ₹1 Cr unsecured
10.25% to 12.50%
Fast 7–14 day approval. Strong with French universities, direct fee remittance to ESSEC, ESCP, HEC.
Credila
Max: ₹1.5 Cr unsecured
9.70% to 13.00%
Highest unsecured for INSEAD and top MBA programs (₹80 L+). Fastest approval at 5–8 days.
Axis Bank Education Loan
Max: ₹75 L unsecured
10.50% to 12.75%
Industry-best MBA loan product with 12-month post-course moratorium, perfect for 1-year French MBAs.
Avanse Financial
Max: ₹50 L unsecured
11.00% to 14.00%
Most flexible for Tier-2 French universities and Bachelor's programs at private French institutions.
Prodigy Finance
Max: $150,000
9.25% to 13.50% (USD/EUR)
Strong international lender for INSEAD, HEC, ESSEC MBAs. No Indian co-signer needed.
PNB Udaan
8.6% (if you pay simple interest during the course; 9.6% otherwise)
PNB Udaan standard, with collateral. Without collateral: rate on request. Rates confirmed by FundMyCampus with PNB.
France loan amounts vary hugely depending on program. Public university Master's (₹25–35 L total) easily fit unsecured limits at all major lenders. Top MBA programs (INSEAD ₹95 L+, HEC ₹70-80 L) often need partial collateral or higher-tier unsecured products. SBI offers up to ₹50 L unsecured for List A institutions including INSEAD. ICICI offers up to ₹1 Cr unsecured for premier French universities and MBA programs. Credila and Avanse extend ₹1.5 Cr and ₹75 L unsecured. For INSEAD-bound students seeking ₹95 L+ loans, the combination of Credila (₹1.5 Cr unsecured for top MBAs) plus possible partial collateral covers most needs. Accepted collateral: residential property (LTV 75–85%), fixed deposits, LIC policies.
Use these France estimates to right-size your Epitech loan, under-borrowing forces 18%+ personal loans abroad, over-borrowing wastes interest.
Tuition
Living
Travel
Misc + Books
Average Total Program Cost
₹22 L–1.24 Cr (depends entirely on program)
Typical for Indian Master's students
| Program | Tuition | Living | Travel | Misc | Total |
|---|---|---|---|---|---|
| Master's at public uni (1–2 yrs) | ₹3–8 L (international student fees) | ₹15–22 L | ₹1.5–2 L | ₹2–3 L | ₹22–35 L |
| Master's at private uni (1–2 yrs) | ₹15–35 L | ₹15–22 L | ₹1.5–2 L | ₹2–3 L | ₹34–62 L |
| MBA (1 yr): INSEAD, HEC, ESSEC | ₹70–95 L (INSEAD), ₹50–80 L (HEC) | ₹15–22 L | ₹2 L | ₹3–5 L | ₹90 L–1.24 Cr |
| Grandes Écoles (Engineering, Business) | ₹6–20 L (slightly higher than public) | ₹15–22 L | ₹2 L | ₹3 L | ₹26–47 L |
Visa Essentials
What you need to prove for your France student visa to Epitech
Year 1 fees
Tuition Proof
₹12–18 L (per year)
Living costs
Accepted
Loan sanction letter
4 key items
Requirements
Key Requirements
France's Long-Stay Student Visa (VLS-TS) requires demonstration of: (1) Confirmation of admission to a French institution (or Campus France approval through Études en France procedure).
The acceptable financial proof: (1) Education loan sanction letter from Indian bank/NBFC on bank letterhead, with loan amount in INR and EUR equivalent, confirming funds available.
France uses the Campus France-mediated Études en France procedure for Indian students, meaning your visa application goes through a centralised online platform that evaluates your academic record, French language ability (if applicable), and motivation.
For a public university Master's, add the €2,770 yearly tuition to that living amount.
Requirement 1
France's Long-Stay Student Visa (VLS-TS) requires demonstration of: (1) Confirmation of admission to a French institution (or Campus France approval through Études en France procedure). (2) Sufficient funds to cover tuition (paid or loan-backed) plus €877.50 a month (about ₹11.2 L a year, checked on 2 Nov 2026) for living expenses for the duration of studies. (3) Health insurance proof (international student insurance or PUMa enrollment plan). (4) Accommodation arrangements.
Requirement 2
The acceptable financial proof: (1) Education loan sanction letter from Indian bank/NBFC on bank letterhead, with loan amount in INR and EUR equivalent, confirming funds available. (2) Bank statements showing co-applicant financial stability. (3) ITRs for last 2 years. (4) Property/FD documents if you have collateral backing.
Requirement 3
France uses the Campus France-mediated Études en France procedure for Indian students, meaning your visa application goes through a centralised online platform that evaluates your academic record, French language ability (if applicable), and motivation. The financial proof requirements are part of this centralised evaluation rather than a separate consular interview.
Requirement 4
For a public university Master's, add the €2,770 yearly tuition to that living amount. Most education loans easily cover this. For top MBA programs (INSEAD €100K+ tuition), the financial proof needs to cover the program tuition plus living. Which is why Credila's ₹1.5 Cr unsecured or partial collateral structures are common.
Indicative EMIs for a France education loan, 10-year repayment after the moratorium period.
₹30 L · 10% · 10 yrs
~₹39,600
Monthly EMI
₹50 L · 10.5% · 10 yrs
~₹67,500
Monthly EMI
₹75 L · 11% · 12 yrs
~₹94,000
Monthly EMI
₹1 Cr · 11% · 12 yrs
~₹1,25,400
Monthly EMI
₹1.2 Cr · 10.5% · 12 yrs
~₹1,46,900
Monthly EMI
₹20 L · 9% · 10 yrs
~₹25,300
Monthly EMI
After Graduation
What awaits Epitech graduates post-study
Available
Post-study work
Yes
PR pathway
Strong
Salary growth
~12,000
Indian students to France a year
Highlights
France offers a generous 2-year post-study work visa (Autorisation Provisoire de Séjour, APS) for Master's graduates and beyond.
Starting salaries for Indian graduates in France (2025 data): (1) Top MBA graduates (INSEAD, HEC, ESSEC): €100,000–€180,000/year (signing bonuses + base), among the highest globally.
After the APS period, you transition to either: (1) EU Blue Card for high-skilled workers (minimum salary threshold ~€53,500).
France's particular strength: as an EU member, your French residence permit eventually grants EU-wide mobility.
France offers a generous 2-year post-study work visa (Autorisation Provisoire de Séjour, APS) for Master's graduates and beyond. During this period, you can work for any French employer in any role without sponsorship requirements. This is particularly attractive for top MBA graduates from INSEAD, HEC, ESSEC who often secure roles at top European or international firms during their studies.
Starting salaries for Indian graduates in France (2025 data): (1) Top MBA graduates (INSEAD, HEC, ESSEC): €100,000–€180,000/year (signing bonuses + base), among the highest globally. (2) STEM Master's: €45,000–€65,000/year. (3) Business Master's: €40,000–€60,000/year. (4) Engineering at Grandes Écoles: €45,000–€70,000/year. In INR terms, even mid-range French salaries (€55-65K) translate to ₹50-60 L/year. Top MBA grads earning €150K+ command ₹1.35 Cr+/year.
After the APS period, you transition to either: (1) EU Blue Card for high-skilled workers (minimum salary threshold ~€53,500). (2) Salaried work residence permit. (3) Talent Passport for entrepreneurs, researchers, or artists. After 5 years of legal residence in France (including time as student + APS + work permits), you can apply for French permanent residency (Carte de Résident). After 5 years of residence, you become eligible for French citizenship via naturalisation.
France's particular strength: as an EU member, your French residence permit eventually grants EU-wide mobility. You can work and live across any EU country with French PR/citizenship. For globally-minded Indian graduates, this is invaluable.
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Common questions Indian students ask about funding their studies at Epitech
