Got an admit to Kazimieras Simonavicius University, Vilnius? 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 Lithuania National (D) Visa + Temporary Residence Permit (TRP) proof you'll need.
₹15–45 L
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
₹15–45 L typical for Lithuania
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The Complete Guide
Kazimieras Simonavicius University, Vilnius is a university in Lithuania. For Indian students, a typical Lithuania programme costs ₹19–34 L for most Master's. ₹25–45 L for 6-yr MD/MBBS in total, so most fund it with an education loan rather than paying out of pocket.
For Lithuania, Indian banks and NBFCs sanction loans of ₹15–45 L on average, with unsecured limits going significantly higher for strong academic and co-applicant profiles. Top lenders for Kazimieras Simonavicius University, Vilnius include SBI Global Ed-Vantage, Bank of Baroda Vidya / 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 Kazimieras Simonavicius University, Vilnius 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 Lithuania National (D) Visa + Temporary Residence Permit (TRP) 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 Lithuania loans approved in 5–14 days. We chase the bank for you.
Disbursement
Bank wires fees directly to Kazimieras Simonavicius University, Vilnius. You focus on the move.
Effective rates span 3–6% across lender types. PSU banks (SBI, Bank of Baroda) are cheapest at 8.85–10.50% but slowest (15–25 days) and pickier about which Lithuanian university they'll list. Private banks (ICICI, Axis) sit at 10.25–12.75% with faster approvals and a broader, more pragmatic university list. NBFCs (Credila, Avanse, Auxilo, Tata Capital) charge 10.50–14.50% but offer the largest unsecured amounts and will fund smaller EU universities and agent-routed medical admissions that banks decline. Because Lithuanian tuition is low, the absolute interest cost is small relative to USA/UK, but rate still matters over a 6-year MD. On a ₹35 L medicine loan, the gap between an 8.85% PSU rate and a 13% NBFC rate is several lakhs over a 12-year tenure. The right play is to apply to one PSU bank and one or two NBFCs in parallel, then use the cheaper bank offer to negotiate the NBFC down.
SBI Global Ed-Vantage
Max: ₹1.5 Cr
9.15% to 10.15%
Lowest rates available. Funds public universities like Vilnius University and KTU comfortably with collateral. Unsecured up to ₹50 L for recognised programs. Best for medicine and longer Bachelor's where total cost is high. 15–25 day processing.
Bank of Baroda Vidya / Baroda Scholar
Max: ₹1.5 Cr
8.85% to 10.50%
PSU alternative to SBI, often faster at Tier-2 city branches. Good for MBBS at LSMU and Vilnius University where the 6-year cost needs a large secured loan.
ICICI Bank Education Loan
Max: ₹1 Cr unsecured
10.25% to 12.50%
Fast 7–14 day approval. Comfortable with well-known Lithuanian public universities. Best private-bank option for Master's programs and balanced cost/speed.
Credila
Max: ₹1.5 Cr unsecured
9.70% to 13.00%
Most practical lender for medicine and for smaller/less-known Lithuanian universities that PSU banks hesitate to fund. 5–8 day approval and flexible co-applicant norms.
Avanse Financial
Max: ₹75 L unsecured
11.00% to 14.00%
NBFC that approves cases banks decline, ideal for Tier-2 Lithuanian universities, gap years, or weaker co-applicant profiles. Strong for MBBS aspirants going through agents.
Auxilo / Tata Capital
Max: ₹60–75 L unsecured
11.00% to 14.50%
Niche NBFCs that fund a wide university list including lesser-known EU institutions. Useful backup when SBI/BoB won't list the Lithuanian university. Quick turnaround, higher rates.
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 Lithuania, the affordability of most programs changes the collateral maths entirely. A typical English-taught Master's costs ₹19–34 Lakhs all-in, which usually falls within unsecured limits everywhere. Public sector banks (SBI, Bank of Baroda) offer collateral-free loans up to roughly ₹40–50 Lakhs for recognised universities such as Vilnius University, Kaunas University of Technology, and VILNIUS TECH. Enough to cover almost any non-medical program without pledging property. NBFCs are the practical workhorses for Lithuania, especially for smaller or less-known universities that PSU banks won't keep on their approved list. Credila, Avanse, Auxilo, and Tata Capital extend ₹50–75 Lakhs unsecured and are far more flexible about which Lithuanian institution and which program (including agent-routed MBBS admissions) they will fund. Their rates run higher (11–14.5%), but for the loan to actually get sanctioned for a Tier-2 university, they are often the only route. Medicine is the exception where collateral usually re-enters the picture. A 6-year MD/MBBS at LSMU or Vilnius University can run ₹25–45 Lakhs or more across the full course, and many families take a secured loan to access the lowest PSU rates over a long tenure. For amounts above ₹40–50 Lakhs, all banks accept residential property (LTV 75–85%), fixed deposits (LTV ~90%), and LIC policies as collateral. A common structure is an unsecured first tranche for year one (to clear the visa) plus a top-up secured loan for the remaining years.
Use these Lithuania estimates to right-size your Kazimieras Simonavicius University, Vilnius loan, under-borrowing forces 18%+ personal loans abroad, over-borrowing wastes interest.
Tuition
Living
Travel
Misc + Books
Average Total Program Cost
₹19–34 L for most Master's. ₹25–45 L for 6-yr MD/MBBS
Living costs use Lithuania's student minimum of €576.50 a month, as of 2026.
| Program | Tuition | Living | Travel | Misc | Total |
|---|---|---|---|---|---|
| Bachelor's (3–4 yrs) | ₹9–28 L | ₹22–30 L | ₹1–2 L | ₹2–3 L | ₹34–63 L |
| Master's (1.5–2 yrs) | ₹5–14 L | ₹11–15 L | ₹1–2 L | ₹1.5–3 L | ₹19–34 L |
| MBBS / MD Medicine (6 yrs) | ₹60 L–₹1.0 Cr (₹10–17 L/yr) | ₹30–45 L | ₹3–5 L | ₹4–6 L | ₹95 L–₹1.4 Cr (often quoted ₹25–45 L by agents for partial years) |
| MBA / Specialized PG (1–2 yrs) | ₹6–16 L | ₹7–15 L | ₹1–2 L | ₹1.5–3 L | ₹16–36 L |
Visa Essentials
What you need to prove for your Lithuania student visa to Kazimieras Simonavicius University, Vilnius
Year 1 fees
Tuition Proof
₹7.4 L
Living costs
Accepted
Loan sanction letter
3 key items
Requirements
Key Requirements
Indian students need a Lithuania National (D) Visa to enter and then convert to a Temporary Residence Permit (TRP) for stays longer than a year.
Acceptable financial proof includes: (1) an education loan sanction letter on bank letterhead clearly stating the sanctioned amount and that funds are available for disbursement.
Request a one-page 'Visa Letter' in plain English from your lender summarising the loan amount and availability of funds.
Requirement 1
Indian students need a Lithuania National (D) Visa to enter and then convert to a Temporary Residence Permit (TRP) for stays longer than a year. The core financial requirement is proof of sufficient means of subsistence. Currently €576.50 a month (about ₹7.4 L a year, as of 2026, checked on 3 Nov 2026), set at half the minimum wage, in addition to proof that tuition is paid or arranged.
Requirement 2
Acceptable financial proof includes: (1) an education loan sanction letter on bank letterhead clearly stating the sanctioned amount and that funds are available for disbursement. (2) bank statements (often 3–6 months) and a blocked or maintained balance showing the required subsistence amount. (3) the co-applicant's income tax returns for the last 2 years. (4) proof of accommodation and the university's admission/acceptance letter. And (5) the tuition payment receipt or scholarship confirmation. A sanctioned (pre-disbursement) loan letter is sufficient. Full disbursement happens after the visa and TRP process.
Requirement 3
Request a one-page 'Visa Letter' in plain English from your lender summarising the loan amount and availability of funds. SBI, ICICI, and Credila all provide this and it pairs cleanly with the Lithuanian migration department's documentation checklist. If the loan covers tuition plus part of living costs, show family liquid assets (FDs, savings) and a parental support affidavit to close the subsistence gap. Carry originals, not photocopies, and have all documents translated/legalised where the migration department requires.
Indicative EMIs for a Lithuania education loan, 10-year repayment after the moratorium period.
₹15 L · 10% · 8 yrs
~₹22,800
Monthly EMI
₹20 L · 10.5% · 10 yrs
~₹27,000
Monthly EMI
₹25 L · 11% · 10 yrs
~₹34,400
Monthly EMI
₹35 L · 11% · 12 yrs
~₹43,900
Monthly EMI
₹45 L · 9% · 12 yrs
~₹51,200
Monthly EMI
₹30 L · 13% · 10 yrs
~₹44,800
Monthly EMI
After Graduation
What awaits Kazimieras Simonavicius University, Vilnius graduates post-study
Available
Post-study work
Yes
PR pathway
Strong
Salary growth
~3,000–4,000
Indian students to Lithuania a year
Highlights
Lithuania offers a clear post-study pathway inside the EU.
Lithuania has a fast-growing tech, fintech, life-sciences, and shared-services sector concentrated in Vilnius and Kaunas, and salaries, while lower than Western Europe, go a long way given the low cost of living.
For MBBS/medicine graduates the pathway is different: a Lithuanian medical degree is recognised across the EU, but students who intend to practise in India must clear the FMGE (Foreign Medical Graduate Examination), transitioning to the NExT exam as it replaces FMGE, and complete the required internship to register with the National Medical Commission (NMC).
Lithuania offers a clear post-study pathway inside the EU. After graduating, international students can apply for a temporary residence permit on the grounds of job search. Typically allowing graduates to stay and look for work for up to around 6–12 months while remaining in the country legally. Once you secure a qualifying job offer, you transition to a work-based residence permit.
Lithuania has a fast-growing tech, fintech, life-sciences, and shared-services sector concentrated in Vilnius and Kaunas, and salaries, while lower than Western Europe, go a long way given the low cost of living. Crucially, a Lithuanian degree and residence experience also opens mobility across the EU/Schengen zone, and time spent on a residence permit can count toward longer-term EU residence options.
For MBBS/medicine graduates the pathway is different: a Lithuanian medical degree is recognised across the EU, but students who intend to practise in India must clear the FMGE (Foreign Medical Graduate Examination), transitioning to the NExT exam as it replaces FMGE, and complete the required internship to register with the National Medical Commission (NMC). Many medicine graduates either pursue residency/practice within the EU or return to India and clear the screening test before practising. Plan your loan tenure (12–15 years for medicine) to comfortably bridge the years between graduation and a stable income.
Compare loan options for similar institutions.
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Common questions Indian students ask about funding their studies at Kazimieras Simonavicius University, Vilnius
