Got an admit to National and Kapodistrian University of Athens? 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 Greek National (D) Student Visa & Residence Permit proof you'll need.
ā¹15ā30 L
Typical Loan
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From 8.6%
(if simple interest is paid during the course; 9.6% otherwise)
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ā¹15ā30 L typical for Greece
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The Complete Guide
National and Kapodistrian University of Athens is a university in Greece. For Indian students, a typical Greece programme costs ā¹16ā31 L for a 2-year Master's in total, so most fund it with an education loan rather than paying out of pocket.
For Greece, Indian banks and NBFCs sanction loans of ā¹15ā30 L on average, with unsecured limits going significantly higher for strong academic and co-applicant profiles. Top lenders for National and Kapodistrian University of Athens 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 National and Kapodistrian University of Athens 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 Greek National (D) Student Visa & Residence Permit 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 Greece loans approved in 5ā14 days. We chase the bank for you.
Disbursement
Bank wires fees directly to National and Kapodistrian University of Athens. You focus on the move.
Rates span 3ā5% across lender types. PSU banks (SBI, BoB) are cheapest at 8.85ā10.50% but slowest (15ā25 days). Private banks (ICICI, Axis) run 10.25ā13.50% with 7ā14 day approvals. NBFCs (Avanse, Auxilo, Tata Capital) charge 11ā14.5% but are most flexible on profile and fastest (5ā8 days). Because Greek loan tickets are small (ā¹15ā30 L) and tuition is low, the rupee gap between lenders is modest, but on a ā¹25 L loan, choosing a PSU bank over an NBFC still saves roughly ā¹5ā7 L over a 10-year tenure. For very small tickets, an NBFC's digital convenience can be worth the slightly higher rate.
SBI Global Ed-Vantage
Max: ā¹1.5 Cr
9.15% to 10.15%
Lowest market rates, ideal for Greece's small ticket sizes. Funds recognised public universities like Aristotle University and the University of Athens. 15ā25 day processing.
Bank of Baroda Vidya
Max: ā¹1.5 Cr
8.85% to 10.50%
Strong PSU alternative with good European-documentation experience. Slightly faster than SBI at Tier-2 branches. Well suited to low-cost EU loans.
ICICI Bank Education Loan
Max: ā¹1 Cr unsecured
10.25% to 12.50%
Fast 7ā14 day approval. Comfortable with established Greek public universities and international/English-taught programs. Best private-bank option.
Axis Bank Education Loan
Max: ā¹75 L unsecured
10.75% to 13.50%
Flexible co-applicant norms. Willing to consider Greek private colleges and international branch programs that PSU banks may hesitate on.
Avanse Financial
Max: ā¹75 L unsecured
11.00% to 14.00%
Most accommodating NBFC for emerging EU destinations and non-traditional courses. Quick 5ā8 day turnaround. Approves cases banks decline.
Auxilo Finserve
Max: ā¹60 L unsecured
11.50% to 14.50%
Study-abroad specialist NBFC, ideal for small Greek tickets (ā¹15ā25 L) with minimal collateral and fully digital processing.
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.
Greece's affordability means most Indian students fund their studies fully unsecured. A Master's typically totals ā¹16ā31 Lakhs, well within every lender's unsecured cap. Public sector banks (SBI, Bank of Baroda) offer collateral-free loans up to ā¹50 Lakhs for recognised foreign universities, and Greece's leading public institutions, the Aristotle University of Thessaloniki, the National and Kapodistrian University of Athens, and the National Technical University of Athens (NTUA), generally qualify. ICICI extends up to ā¹1 Crore unsecured for premier institutions, while NBFCs like Avanse and Auxilo fund ā¹60ā75 Lakhs unsecured at higher rates. For nearly all Greek programs, no collateral is required. It only becomes relevant for the costliest Bachelors-plus-living combinations or for smaller private Greek colleges (some of which deliver UK/US degrees via partnerships) that may sit outside a lender's standard list, in which case banks accept residential property (LTV 75ā85%), fixed deposits (LTV 90%) and LIC policies. Tip: many Greek public-university programs charge very low or no tuition, especially at PhD level, shrinking the loan needed to mostly living costs.
Use these Greece estimates to right-size your National and Kapodistrian University of Athens loan, under-borrowing forces 18%+ personal loans abroad, over-borrowing wastes interest.
Tuition
Living
Travel
Misc + Books
Average Total Program Cost
ā¹16ā31 L for a 2-year Master's
Typical for Indian Master's students
| Program | Tuition | Living | Travel | Misc | Total |
|---|---|---|---|---|---|
| MS / Masters (1.5ā2 yrs) | ā¹5ā14 L | ā¹8ā12 L | ā¹1ā2 L | ā¹2ā3 L | ā¹16ā31 L |
| MBA / Business Masters (1ā2 yrs) | ā¹8ā18 L | ā¹6ā12 L | ā¹1ā2 L | ā¹2ā3 L | ā¹17ā35 L |
| Bachelors (4 yrs) | ā¹8ā24 L | ā¹14ā22 L | ā¹2ā3 L | ā¹3ā5 L | ā¹27ā54 L |
| PhD (3ā4 yrs) | ā¹0ā6 L (often low/no fee at public universities) | ā¹14ā22 L (scholarships/assistantships may help) | ā¹2ā3 L | ā¹3ā5 L | ā¹8ā25 L |
Visa Essentials
What you need to prove for your Greece student visa to National and Kapodistrian University of Athens
Year 1 fees
Tuition Proof
ā¹8ā12 L
Living costs
Accepted
Loan sanction letter
3 key items
Requirements
Key Requirements
Indian students apply for a Greek national (D) student visa, then convert it into a residence permit for study after arrival.
Ensure your loan sanction explicitly covers both tuition and living costs and comfortably exceeds the stated subsistence threshold.
Always request a plain-English 'Visa Letter' summary from your bank and carry originals to the appointment.
Requirement 1
Indian students apply for a Greek national (D) student visa, then convert it into a residence permit for study after arrival. Greece, as a Schengen and EU member, requires you to demonstrate sufficient means of subsistence, a minimum of ā¬400 a month (about ā¹5.1 L a year, University of Athens guidance, checked on 3 Nov 2026) for living costs during the study period. The acceptable financial proof: (1) Loan sanction letter on bank letterhead clearly stating the loan amount and that funds are available. (2) Co-applicant bank statements for the last 3ā6 months. (3) Co-applicant ITRs for the last 2 years. (4) Proof of tuition payment or scholarship, plus the university acceptance letter.
Requirement 2
Ensure your loan sanction explicitly covers both tuition and living costs and comfortably exceeds the stated subsistence threshold. Greek consular officers want confidence that you can support yourself without working illegally. Health insurance valid in Greece is mandatory, and documents such as your degree certificates may need translation and attestation (Apostille).
Requirement 3
Always request a plain-English 'Visa Letter' summary from your bank and carry originals to the appointment. A major benefit: as a Schengen member, a Greek study permit grants travel access across the Schengen Area, letting Indian students explore Europe during their studies. Plan for the visa to be processed in advance. Start the loan early so the sanction letter is ready well before your appointment.
Indicative EMIs for a Greece education loan, 10-year repayment after the moratorium period.
ā¹15 L Ā· 10% Ā· 7 yrs
~ā¹24,900
Monthly EMI
ā¹18 L Ā· 10% Ā· 10 yrs
~ā¹23,800
Monthly EMI
ā¹22 L Ā· 10.5% Ā· 10 yrs
~ā¹29,700
Monthly EMI
ā¹25 L Ā· 10.5% Ā· 10 yrs
~ā¹33,700
Monthly EMI
ā¹30 L Ā· 11% Ā· 12 yrs
~ā¹37,600
Monthly EMI
ā¹20 L Ā· 9% Ā· 12 yrs
~ā¹22,800
Monthly EMI
After Graduation
What awaits National and Kapodistrian University of Athens graduates post-study
Available
Post-study work
Yes
PR pathway
Strong
Salary growth
~3,000
Indian students to Greece a year
Highlights
Greece offers international graduates a post-study pathway through its job-search residence-permit provisions: after completing a degree, non-EU graduates can apply to stay in Greece to look for work or set up a business for a defined period, then transition to a work or self-employment residence permit once they secure a role.
Greece's economy has steadily recovered, with growth in tourism and hospitality, shipping and maritime services, IT and software, renewable energy, logistics and agribusiness.
For an Indian student carrying a ā¹18ā30 Lakh education loan, the small ticket size matters most: even modest EU salaries support comfortable EMIs, and many graduates use Greece as an affordable launchpad before moving to higher-paying EU markets via Schengen mobility.
Greece offers international graduates a post-study pathway through its job-search residence-permit provisions: after completing a degree, non-EU graduates can apply to stay in Greece to look for work or set up a business for a defined period, then transition to a work or self-employment residence permit once they secure a role. As an EU and Schengen member, Greece also opens the door to mobility and job opportunities across Europe under EU frameworks.
Greece's economy has steadily recovered, with growth in tourism and hospitality, shipping and maritime services, IT and software, renewable energy, logistics and agribusiness. English-taught Master's graduates in business, engineering, computer science, shipping and tourism management are well positioned. Salaries are lower in absolute terms than Northern Europe. Typical graduate starting salaries run from ā¬1,000ā2,200+ per month gross (roughly ā¹0.9 Lā2 L per month). But Greece's low cost of living keeps real disposable income reasonable, and roles in shipping, IT and finance pay above the average.
For an Indian student carrying a ā¹18ā30 Lakh education loan, the small ticket size matters most: even modest EU salaries support comfortable EMIs, and many graduates use Greece as an affordable launchpad before moving to higher-paying EU markets via Schengen mobility. A practical strategy is to keep the loan small (Greece makes this easy), start EMIs as soon as you are employed, and prepay whenever you upgrade to a better-paying role elsewhere in Europe.
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Common questions Indian students ask about funding their studies at National and Kapodistrian University of Athens
