Got an admit to Kathmandu 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 Nepal Student Visa (Non-Tourist) proof you'll need.
₹15–35 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
₹15–35 L typical for Nepal
Collateral-free
Unsecured options available
12+ lenders
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The Complete Guide
Kathmandu University is a university in Nepal. For Indian students, a typical Nepal programme costs ₹36–52 L for MBBS. ₹6–15 L for general degrees in total, so most fund it with an education loan rather than paying out of pocket.
For Nepal, Indian banks and NBFCs sanction loans of ₹15–35 L on average, with unsecured limits going significantly higher for strong academic and co-applicant profiles. Top lenders for Kathmandu University include State Bank of India (SBI Student Loan), Bank of Baroda (Baroda Scholar), Avanse Financial Services each with different rates, processing times and university lists, which is why comparing offers matters.
FundMyCampus matches you to the right lender for Kathmandu 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 Nepal Student Visa (Non-Tourist) 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 Nepal loans approved in 5–14 days. We chase the bank for you.
Disbursement
Bank wires fees directly to Kathmandu University. You focus on the move.
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)
Max: ₹40 L
9.15% to 10.15%
Lowest rates for Nepal studies. Collateral required above ₹7.5 L. Best for MBBS where families have property and 15–25 days to process.
Bank of Baroda (Baroda Scholar)
Max: ₹40 L
Rate on request
We'll get the current rate for you
Strong PSU option for NMC-approved Nepalese universities and general degrees. Year-wise disbursement. Collateral typically above ₹7.5 L.
Avanse Financial Services
Max: ₹40 L
Rate on request
We'll get the current rate for you
Funds the full MBBS fee unsecured on co-applicant income. Best for families without collateral. 5–10 day approval.
Auxilo Finserve
Max: ₹35 L
Rate on request
We'll get the current rate for you
Overseas-MBBS specialist NBFC. Flexible on co-applicant profile. Approves declined cases. Fast 5–8 day processing.
Credila
Max: ₹40 L unsecured
Rate on request
We'll get the current rate for you
Largest unsecured limit for Nepal MBBS. 5–8 day approval. Good for last-minute admits and single-sanction needs.
ICICI Bank Education Loan
Max: ₹40 L
Rate on request
We'll get the current rate for you
Faster than PSU banks (7–14 days). Balanced rate-vs-speed option for both MBBS and general courses in Nepal.
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.
For Nepal, the collateral picture depends on the course. For general degrees (engineering, management, IT) costing ₹6–15 Lakhs, the entire amount often fits within or just above the ₹7.5 Lakh unsecured PSU-bank limit, frequently fundable unsecured or with a small FD pledge. MBBS is different: at ₹36–52 Lakhs total, PSU banks (SBI, Bank of Baroda) require collateral above ₹7.5 L. Accepted forms: residential property (LTV 75–85%), fixed deposits (LTV 90%), LIC policies, and government bonds. Families without property can use NBFCs, Avanse, Auxilo, Credila, which fund the full MBBS fee unsecured on co-applicant income at rates 2–3% higher, with approval in under 10 days. A common approach for MBBS is to pledge an FD or property with a PSU bank for the lowest rate, or split a ₹7.5 L unsecured PSU loan with an NBFC top-up.
Use these Nepal estimates to right-size your Kathmandu University loan, under-borrowing forces 18%+ personal loans abroad, over-borrowing wastes interest.
Tuition
Living
Travel
Misc + Books
Average Total Program Cost
₹36–52 L for MBBS. ₹6–15 L for general degrees
MBBS total for 5.5 years, including living costs.
| Program | Tuition | Living | Travel | Misc | Total |
|---|---|---|---|---|---|
| MBBS (5.5 yrs incl. internship) | ₹28–38 L | ₹6–10 L | ₹0.8–1.5 L | ₹1.5–2.5 L | ₹36–52 L |
| BDS / Dentistry (5 yrs) | ₹16–24 L | ₹5–8 L | ₹0.6–1.2 L | ₹1–1.5 L | ₹22–35 L |
| Engineering / B.Tech (4 yrs) | ₹4–8 L | ₹4–7 L | ₹0.6–1 L | ₹0.8–1.2 L | ₹9–17 L |
| BBA / MBA / IT (3–4 yrs) | ₹3–7 L | ₹3–6 L | ₹0.5–1 L | ₹0.6–1 L | ₹7–15 L |
Visa Essentials
What you need to prove for your Nepal student visa to Kathmandu University
Year 1 fees
Tuition Proof
₹1–2 L per year
Living costs
Accepted
Loan sanction letter
3 key items
Requirements
Key Requirements
Indian students enjoy a uniquely easy path to Nepal: under the India–Nepal friendship arrangement, Indian nationals do not require a visa or passport to enter and study in Nepal.
For admission and the (non-tourist) student registration process, you'll typically provide: (1) The education-loan sanction letter on bank/NBFC letterhead stating the sanctioned amount and confirming funds for tuition and living.
Because Nepalese medical and general universities usually bill fees year-by-year, lenders disburse the loan in annual tranches tied to each year's invoice, so interest accrues only on the drawn amount.
Requirement 1
Indian students enjoy a uniquely easy path to Nepal: under the India–Nepal friendship arrangement, Indian nationals do not require a visa or passport to enter and study in Nepal. A valid government photo ID is generally sufficient, though carrying a passport is recommended. Universities will, however, require proof of funding for admission and for issuing enrolment documents.
Requirement 2
For admission and the (non-tourist) student registration process, you'll typically provide: (1) The education-loan sanction letter on bank/NBFC letterhead stating the sanctioned amount and confirming funds for tuition and living. (2) Co-applicant bank statements for the last 3–6 months. (3) Co-applicant ITRs for the last 2 years. (4) A parental affidavit of support. For NMC-approved MBBS, you must also have a valid NEET qualification and NMC Eligibility Certificate.
Requirement 3
Because Nepalese medical and general universities usually bill fees year-by-year, lenders disburse the loan in annual tranches tied to each year's invoice, so interest accrues only on the drawn amount. Request a one-page support letter in English summarising the sanctioned amount. It streamlines university enrolment and any registration formalities.
Indicative EMIs for a Nepal education loan, 10-year repayment after the moratorium period.
₹25 L · 10% · 10 yrs
~₹33,000
Monthly EMI
₹35 L · 10.5% · 10 yrs
~₹47,200
Monthly EMI
₹40 L · 11% · 10 yrs
~₹55,100
Monthly EMI
₹50 L · 11.5% · 12 yrs
~₹64,200
Monthly EMI
₹45 L · 9% · 15 yrs
~₹45,600
Monthly EMI
₹15 L · 10.5% · 7 yrs
~₹25,300
Monthly EMI
After Graduation
What awaits Kathmandu University graduates post-study
Available
Post-study work
Yes
PR pathway
Strong
Salary growth
~12,000
Indian students to Nepal a year
Highlights
Nepal is primarily a study destination for Indian students, with most returning to India to work or practise.
For engineering, management, and IT graduates, the typical path is to return to India and join the workforce, or use the Nepal degree as a stepping stone to a Master's in India or abroad.
For loan repayment, MBBS graduates usually clear FMGE/NExT within 6–12 months and begin earning in India (junior resident/PG stipend ₹60K–₹1 L/month, rising after specialisation), while general-degree graduates start earning sooner with smaller loans.
Nepal is primarily a study destination for Indian students, with most returning to India to work or practise. For MBBS graduates, the route is to clear the FMGE (Foreign Medical Graduate Examination), which is being replaced by the NExT (National Exit Test) under the National Medical Commission. Clearing FMGE/NExT secures registration with a State Medical Council, enabling practice in India and PG via NEET-PG / NExT Step 2. Nepal's medical colleges follow a curriculum closely aligned with India's and teach in English, which historically supports competitive FMGE outcomes.
For engineering, management, and IT graduates, the typical path is to return to India and join the workforce, or use the Nepal degree as a stepping stone to a Master's in India or abroad. Because Nepal and India share an open labour arrangement and recognise many qualifications, transitioning back into the Indian job market is relatively smooth for general degree holders, provided the university and program are recognised.
For loan repayment, MBBS graduates usually clear FMGE/NExT within 6–12 months and begin earning in India (junior resident/PG stipend ₹60K–₹1 L/month, rising after specialisation), while general-degree graduates start earning sooner with smaller loans. Step-up EMIs suit medical careers. Standard EMIs suit the smaller general-course loans, which are typically repaid in 5–7 years.
Compare loan options for similar institutions.
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Common questions Indian students ask about funding their studies at Kathmandu University
