Got an admit to Ghent University? 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 Belgium Long-Stay Student Visa (Type D) proof you'll need.
₹25–45 L
Typical Loan
Free
Counsellor call
From 8.6%
(if simple interest is paid during the course; 9.6% otherwise)
Loan Snapshot
Why FundMyCampus
Up to high limits
₹25–45 L typical for Belgium
Collateral-free
Unsecured options available
12+ lenders
Compare banks & NBFCs
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The Complete Guide
Ghent University is a university in Belgium. For Indian students, a typical Belgium programme costs ₹22–52 L for a 1–2 year Master's in total, so most fund it with an education loan rather than paying out of pocket.
For Belgium, Indian banks and NBFCs sanction loans of ₹25–45 L on average, with unsecured limits going significantly higher for strong academic and co-applicant profiles. Top lenders for Ghent University include SBI Global Ed-Vantage, Bank of Baroda (Baroda Scholar), 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 Ghent University 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 Belgium Long-Stay Student Visa (Type D) 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 Belgium loans approved in 5–14 days. We chase the bank for you.
Disbursement
Bank wires fees directly to Ghent University. You focus on the move.
Rates for Belgium studies span roughly 8.85%–14.5%. PSU banks (SBI, Bank of Baroda) are cheapest at 8.85%–10.75% but slower (15–25 days) and need collateral above ₹7.5 L. Private banks (ICICI, Axis) at 10.25%–13% offer faster approval and good unsecured limits for top universities. NBFCs (Credila, Avanse) at 10.75%–14.5% provide the highest unsecured amounts and most flexible profiles. Because Belgian tuition is moderate, loan sizes are typically smaller than for the US/UK, so the rupee difference between lender types is meaningful but contained, on a ₹35 L loan, an 8.85% PSU loan versus a 13% NBFC loan saves roughly ₹9 L over 12 years. Many students prioritise a lender that can show the full living-cost coverage the Type D visa demands while still moving fast enough for the academic intake.
SBI Global Ed-Vantage
Max: ₹1.5 Cr
9.15% to 10.15%
Lowest rates for Belgium studies. Funds KU Leuven, Ghent, UCLouvain and other recognised EU universities. Collateral usually needed above ₹7.5 L. 15–25 day processing.
Bank of Baroda (Baroda Scholar)
Max: ₹1.5 Cr
8.85% to 10.75%
Competitive PSU choice with a recognised list of European universities. Often faster than SBI at Tier-2 branches.
ICICI Bank Education Loan
Max: ₹1 Cr unsecured
10.25% to 12.75%
Fast 7–14 day approval with strong unsecured limits for top Belgian universities. Best private-bank option for Master's and MBA programmes.
Axis Bank Education Loan
Max: ₹75 L
10.50% to 13.00%
Flexible co-applicant norms and quick digital processing. A solid choice for EU research and business Master's programmes.
Credila
Max: ₹1 Cr unsecured
10.75% to 13.50%
Largest unsecured amounts with 5–8 day approval. Best for late admits or when you need full financing without pledging property.
Avanse Financial Services
Max: ₹75 L unsecured
11.25% to 14.50%
Most flexible NBFC on profile and Tier-2 Belgian institutions. Approves cases banks decline and funds the full programme including living costs.
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.
Belgium is one of the more affordable EU destinations. Public-university tuition for non-EU students is moderate (often ₹4–18 L per year), keeping most loan requirements in the ₹25–45 L range, though MBA programmes can run higher. PSU banks (SBI, Bank of Baroda) lend up to ₹7.5 Lakhs collateral-free and require security above that. Acceptable collateral includes residential or commercial property (LTV 75–85%), fixed deposits (LTV up to 90%), and LIC policies. Private banks (ICICI, Axis) and NBFCs (Credila, Avanse) offer unsecured loans up to ₹75 L–₹1 Cr for reputable Belgian universities, underwriting on the co-applicant's income and the programme's earning potential. A key Belgium-specific point: the Type D student visa requires proof of a substantial 'sufficient means of subsistence' amount, so even when tuition is low, your loan often needs to cover living costs visibly. Many students take a ₹30–40 L unsecured loan to satisfy both fees and the visa's blocked-funds-style requirement, while those needing the lowest rate pledge collateral with a PSU bank.
Use these Belgium estimates to right-size your Ghent University loan, under-borrowing forces 18%+ personal loans abroad, over-borrowing wastes interest.
Tuition
Living
Travel
Misc + Books
Average Total Program Cost
₹22–52 L for a 1–2 year Master's
Typical for Indian Master's students
| Program | Tuition | Living | Travel | Misc | Total |
|---|---|---|---|---|---|
| Master's (1–2 yrs) | ₹4–18 L | ₹14–27 L | ₹1.5–2.5 L | ₹2.5–4 L | ₹22–52 L |
| MBA (1–2 yrs) | ₹20–40 L | ₹14–27 L | ₹1.5–2.5 L | ₹3–5 L | ₹38–75 L |
| PhD (3–4 yrs, often funded) | ₹4–10 L (frequently funded) | ₹30–48 L (often stipend-supported) | ₹2–3 L | ₹3–5 L | ₹10–35 L (with funding) |
| Bachelor's (3 yrs) | ₹12–36 L | ₹41–42 L | ₹3–4 L | ₹4–6 L | ₹60–88 L |
Visa Essentials
What you need to prove for your Belgium student visa to Ghent University
Year 1 fees
Tuition Proof
₹13.6–14 L per year
Living costs
Accepted
Loan sanction letter
3 key items
Requirements
Key Requirements
The Belgium Long-Stay Student Visa (Type D / ARV) has one of the more specific financial-proof requirements in Europe: you must demonstrate 'sufficient means of subsistence', a government-set minimum monthly amount of €1,062 a month, €12,744 a year (about ₹13.6 L a year, checked on 2 Nov 2026) for the full duration of study, on top of your tuition.
For loan-funded Indian students, the most reliable route is a sanction letter that explicitly covers both tuition and the full living-cost requirement, alongside the co-applicant's last 2–3 years of ITRs and recent bank statements.
You submit these documents with your visa application along with the university acceptance letter, proof of accommodation, medical certificate, and a clean criminal-record certificate.
Requirement 1
The Belgium Long-Stay Student Visa (Type D / ARV) has one of the more specific financial-proof requirements in Europe: you must demonstrate 'sufficient means of subsistence', a government-set minimum monthly amount of €1,062 a month, €12,744 a year (about ₹13.6 L a year, checked on 2 Nov 2026) for the full duration of study, on top of your tuition. This can be satisfied in two main ways: (1) Personal financial proof. An education loan sanction letter plus bank statements and the co-applicant's income proof and ITRs showing access to the required living funds. Or (2) a scholarship/financial guarantee where a Belgian guarantor (Annex 32) takes responsibility.
Requirement 2
For loan-funded Indian students, the most reliable route is a sanction letter that explicitly covers both tuition and the full living-cost requirement, alongside the co-applicant's last 2–3 years of ITRs and recent bank statements. The Belgian Embassy/Consulate in India assesses whether the documented funds comfortably exceed the minimum subsistence threshold for the whole programme. So a loan sized to cover living costs, not just fees, is strongly advisable.
Requirement 3
You submit these documents with your visa application along with the university acceptance letter, proof of accommodation, medical certificate, and a clean criminal-record certificate. After arriving, you register with the local commune to obtain your residence card. FundMyCampus structures the sanction letter to clearly meet Belgium's subsistence-means requirement so your Type D visa application is well supported.
Indicative EMIs for a Belgium education loan, 10-year repayment after the moratorium period.
₹25 L · 9% · 10 yrs
~₹31,700
Monthly EMI
₹35 L · 9.5% · 10 yrs
~₹45,300
Monthly EMI
₹45 L · 10% · 12 yrs
~₹53,800
Monthly EMI
₹35 L · 11% · 12 yrs
~₹43,900
Monthly EMI
₹30 L · 9% · 15 yrs
~₹30,400
Monthly EMI
₹50 L · 10.5% · 12 yrs
~₹61,200
Monthly EMI
After Graduation
What awaits Ghent University graduates post-study
Available
Post-study work
Yes
PR pathway
Strong
Salary growth
~1,500+
Indian students to Belgium a year
Highlights
Belgium offers attractive post-study work prospects, strengthened by its position at the centre of the EU and the presence of European institutions, multinationals, research centres, and NATO in Brussels.
Belgium's strongest sectors for international graduates include life sciences and pharma (Belgium is a global biotech and pharmaceutical hub), engineering, IT, logistics, EU policy and public affairs, finance, and research.
Starting salaries for graduates typically range from €38,000–55,000 per year (roughly ₹35–50 L), with higher packages in pharma, finance, and consulting.
Belgium offers attractive post-study work prospects, strengthened by its position at the centre of the EU and the presence of European institutions, multinationals, research centres, and NATO in Brussels. After graduation, international students can apply for a 'Search Year' residence permit (Zoekjaar / Année de recherche). A 12-month authorisation to look for a job or start a business in Belgium. Once you secure qualifying employment, you transition to a work permit. High-skilled graduates may qualify for the EU Blue Card, which offers favourable conditions and a pathway toward longer-term residence and mobility across EU member states.
Belgium's strongest sectors for international graduates include life sciences and pharma (Belgium is a global biotech and pharmaceutical hub), engineering, IT, logistics, EU policy and public affairs, finance, and research. Brussels in particular offers English-friendly roles in EU institutions, NGOs, and multinationals. Knowledge of Dutch or French significantly widens local opportunities, especially outside Brussels.
Starting salaries for graduates typically range from €38,000–55,000 per year (roughly ₹35–50 L), with higher packages in pharma, finance, and consulting. In euro terms these salaries comfortably support repayment of a ₹30–45 L education loan, and many graduates prepay within a few years. The EU Blue Card route and the search-year permit make Belgium a strong base for building a long-term European career. FundMyCampus structures the moratorium to cover the course plus the search-year period so EMIs begin only once you're employed.
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Common questions Indian students ask about funding their studies at Ghent University
