Got an admit to Roskilde University? Compare collateral-free education loans from 12+ banks & NBFCs, get rates from 6.85%, and see how much you can borrow, your EMI, and the Denmark Student Residence Permit (Long-stay Type D) proof you'll need.
₹35–50 L
Typical Loan
48 Hours
Approval
From 6.85%
Interest Rate
Loan Snapshot
Why FundMyCampus
Up to high limits
₹35–50 L typical for Denmark
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Unsecured options available
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The Complete Guide
Roskilde University is a emerging university in Denmark — one of the top destinations for Indian students, with around ~3,000 heading there each year. A typical programme costs ₹35–55 L for 2-year Masters, so most students fund it with an education loan rather than paying out of pocket.
For Denmark, Indian banks and NBFCs sanction loans of ₹35–50 L on average, with unsecured limits going significantly higher for strong academic and co-applicant profiles. Top lenders for Roskilde University include SBI Global Ed-Vantage, ICICI Bank Education Loan, HDFC Credila — each with different rates, processing times and university lists, which is why comparing offers matters.
FundMyCampus matches you to the right lender for Roskilde University, negotiates your interest rate, 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 Denmark Student Residence Permit (Long-stay 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 Denmark loans approved in 5–14 days. We chase the bank for you.
Disbursement
Bank wires fees directly to Roskilde University. You focus on the move.
Rates span roughly 3–5% by lender type. PSU banks (SBI, BoB) are cheapest at 8.65–10.85% but take 15–25 days and often need collateral for the full Denmark Master's amount. Private banks (ICICI, Axis) charge 10.25–12.75% with 7–14 day approval. NBFCs (HDFC Credila, Avanse, Auxilo) charge 10.5–14.5% but offer the highest unsecured amounts and fastest processing — Credila in particular is popular for full-cost Nordic Master's. On a ₹45 L Denmark loan over 10–12 years, choosing a secured PSU loan over an unsecured NBFC can save ₹8–12 L in total interest, so families with collateral often prefer SBI/BoB while those without lean on Credila/ICICI.
SBI Global Ed-Vantage
Max: ₹1.5 Cr
8.65% – 10.15%
Lowest rates for Denmark studies. ₹7.5 L collateral-free; secured for higher amounts. Strong for DTU, University of Copenhagen and Aarhus.
ICICI Bank Education Loan
Max: ₹1 Cr unsecured
10.25% – 12.50%
Fast 7–14 day approval. Up to ₹50 L unsecured for recognised Danish universities. Best private-bank option for the residence-permit timeline.
HDFC Credila
Max: ₹1.5 Cr unsecured
10.50% – 13.00%
Largest unsecured amounts in the market with 5–8 day approval. Good for full-cost Denmark Master's where you need the entire amount unsecured.
Bank of Baroda Vidya
Max: ₹1.5 Cr
8.85% – 10.85%
PSU alternative to SBI covering EU/Nordic universities. Competitive rates; typically faster at Tier-2 city branches.
Avanse Financial
Max: ₹75 L unsecured
11.00% – 14.00%
Flexible on co-applicant profile and lesser-known Danish institutions. Funds living costs aggressively for high-cost Nordic living.
Auxilo Finserve
Max: ₹65 L unsecured
11.50% – 14.50%
NBFC with quick turnaround. Useful when a scholarship covers part of tuition and you mainly need a living-cost loan.
Denmark Master's costs are higher than other European value destinations — total ₹35–55 Lakhs (and more without a scholarship) because both tuition (₹10–16 L/year) and Nordic living costs (₹12–16 L/year) are substantial. This pushes loan amounts into the range where collateral-vs-unsecured matters. SBI and Bank of Baroda offer up to ₹7.5 Lakhs collateral-free, and for larger amounts they offer the lowest rates but require collateral (residential property at LTV 75–85%, fixed deposits at LTV 90%, or LIC policies). For students who prefer to avoid pledging property, ICICI extends up to ₹50 L unsecured for recognised Danish universities, HDFC Credila up to ₹1.5 Cr unsecured (largest in market), and NBFCs like Avanse and Auxilo up to ₹65–75 L unsecured at higher rates. A smart approach is to apply for Danish university and government scholarships first (many DTU and University of Copenhagen Master's programs offer tuition waivers and stipends to strong international students) — every euro of scholarship reduces the loan you need and improves your chances of staying within unsecured limits. Denmark's strong graduate salaries and 3-year post-study job-search permit also make lenders comfortable with higher unsecured amounts for STEM and design graduates.
Use these Denmark estimates to right-size your Roskilde University loan — under-borrowing forces 18%+ personal loans abroad, over-borrowing wastes interest.
Tuition
Living
Travel
Misc + Books
Average Total Program Cost
₹35–55 L for 2-year Masters
Typical for Indian Master's students
| Program | Tuition | Living | Travel | Misc | Total |
|---|---|---|---|---|---|
| Master's (2 yrs) | ₹20–32 L | ₹24–32 L | ₹2–3 L | ₹3–4 L | ₹49–71 L |
| Master's (2 yrs) — with scholarship / partial waiver | ₹6–16 L (after scholarship) | ₹24–32 L | ₹2–3 L | ₹3–4 L | ₹35–55 L |
| Bachelor's (3 yrs) | ₹30–48 L | ₹36–48 L | ₹3–5 L | ₹4–6 L | ₹73–₹1.07 Cr |
| PhD (3 yrs) | ₹0 (usually a salaried position) | Covered by PhD salary | ₹2–4 L | ₹2–4 L | ₹4–8 L (mostly self-funding via salary) |
Visa Essentials
What you need to prove for your Denmark student visa to Roskilde University
Year 1 fees
Tuition Proof
₹12–16
Living Funds
Mandatory
Loan Letter
3 key items
Requirements
Key Requirements
To study in Denmark, Indian students obtain a Student Residence Permit (long-stay), processed by the Danish Agency for…
Acceptable financial proof includes: (1) An education loan sanction letter on bank/NBFC letterhead stating the loan…
Because tuition is typically paid up front, sequencing matters: most lenders make a first disbursement to the…
Indicative EMIs for a Denmark education loan, 10-year repayment after the moratorium period.
₹35 L · 10% · 10 yrs
~₹46,300
Monthly EMI
₹45 L · 10.5% · 10 yrs
~₹60,700
Monthly EMI
₹50 L · 10.5% · 12 yrs
~₹58,300
Monthly EMI
₹55 L · 11% · 12 yrs
~₹65,300
Monthly EMI
₹40 L · 9% · 12 yrs
~₹45,600
Monthly EMI
₹45 L · 11% · 15 yrs
~₹51,100
Monthly EMI
After Graduation
What awaits Roskilde University graduates post-study
Available
Post-study work
Yes
PR pathway
Strong
Salary growth
~3,000/yr
Indian community
Highlights
Denmark offers one of the most attractive post-study work frameworks in Europe.
Denmark's economy is anchored by globally dominant companies in design, engineering, renewables, pharma and shipping —…
Graduate starting salaries are high by global standards — typically DKK 400,000 to DKK 600,000 per year (roughly ₹48–72…
Compare loan options for similar institutions.
Success Story
““Denmark was my dream for sustainable energy design, but the cost worried me — DTU plus Copenhagen living added up fast. I won a partial tuition scholarship at DTU, which brought the total down, and FundMyCampus structured a ₹42 L loan: ICICI handled the unsecured portion and we used the sanction letter, with a clear living-cost component, for my SIRI residence permit. The 3-year Establishment Card meant I had real time to land the right role. I'm now working with a Danish renewables firm on a salary that lets me prepay the loan in under four years.”
Common questions Indian students ask about funding their studies at Roskilde University