Got an admit to Saxion University of Applied Sciences? 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 MVV + Residence Permit (study) proof you'll need.
₹20–45 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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Up to high limits
₹20–45 L typical for Netherlands
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The Complete Guide
Saxion University of Applied Sciences is a university in the Netherlands. For Indian students, a typical Netherlands programme costs ₹27–40 L for 1–2 year Masters in total, so most fund it with an education loan rather than paying out of pocket.
For Netherlands, Indian banks and NBFCs sanction loans of ₹20–45 L on average, with unsecured limits going significantly higher for strong academic and co-applicant profiles. Top lenders for Saxion University of Applied Sciences include SBI Global Ed-Vantage, ICICI Bank Education Loan, Bank of Baroda Vidya each with different rates, processing times and university lists, which is why comparing offers matters.
FundMyCampus matches you to the right lender for Saxion University of Applied Sciences 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 MVV + Residence Permit (study) 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 Netherlands loans approved in 5–14 days. We chase the bank for you.
Disbursement
Bank wires fees directly to Saxion University of Applied Sciences. You focus on the move.
Rates span 3–6% across lender types. PSU banks 8.85–10.50% (cheapest but slowest at 15–25 days). Private banks 10.25–12.75% (faster, recognise top Dutch research universities). NBFCs 10.50–14.50% (most flexible on applied-sciences universities and co-applicant profile). Because Dutch Masters loans are moderate (₹20–45 L), the rate choice is meaningful but not as decisive as for the US/UK, a 1.5% reduction on a ₹40 L loan still saves ₹6–8 L over the tenure.
SBI Global Ed-Vantage
Max: ₹1.5 Cr
9.15% to 10.15%
Lowest rates for Netherlands. Best for TU Delft, Amsterdam, Eindhoven and other research universities. 15–25 day processing.
ICICI Bank Education Loan
Max: ₹1 Cr unsecured
10.25% to 12.50%
Fast 7–14 day approval. Recognises top Dutch research universities for unsecured loans. Best private bank option.
Bank of Baroda Vidya
Max: ₹1.5 Cr
8.85% to 10.50%
PSU alternative to SBI. Comfortable funding moderate Dutch tuition, often faster at Tier-2 city branches.
Credila
Max: ₹1 Cr unsecured
9.70% to 13.00%
Strong unsecured amounts and fast 5–8 day approval. Good for late-stage admits and applied-sciences universities.
Avanse Financial
Max: ₹60 L unsecured
11.00% to 14.00%
Most flexible on co-applicant profile and universities of applied sciences (hogescholen). Approves loans banks decline.
Auxilo Finserve
Max: ₹60 L unsecured
11.50% to 14.50%
NBFC focused on study-abroad. Useful for the proof-of-funds / first-year-deposit requirements the Dutch MVV process involves.
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.
The Netherlands sits in a comfortable middle range: tuition for non-EU students is moderate (₹9–18 Lakhs/year for Masters), and living costs are reasonable by Western-European standards (₹14.4–18 L a year). This keeps total budgets at ₹27–40 Lakhs for most Masters, often within unsecured limits. PSU banks (SBI, BoB) offer collateral-free loans up to ₹50 Lakhs for recognised Dutch research universities like TU Delft, Amsterdam, Eindhoven, Utrecht and Groningen. ICICI offers up to ₹1 Crore unsecured for premier universities, and Credila up to ₹1 Crore. Avanse and Auxilo fund universities of applied sciences (hogescholen) and lesser-known institutions up to ₹60 Lakhs unsecured. For amounts above ₹50 Lakhs (longer 2-year technical Masters or MBAs), lenders accept residential property (LTV 75–85%), fixed deposits (LTV 90%) and LIC policies as collateral. Because most Dutch Masters fall within unsecured caps, many students avoid pledging collateral entirely.
Use these Netherlands estimates to right-size your Saxion University of Applied Sciences loan, under-borrowing forces 18%+ personal loans abroad, over-borrowing wastes interest.
Tuition
Living
Travel
Misc + Books
Average Total Program Cost
₹27–40 L for 1–2 year Masters
Typical for Indian Master's students
| Program | Tuition | Living | Travel | Misc | Total |
|---|---|---|---|---|---|
| Masters (1 yr) | ₹9–18 L | ₹14–16 L | ₹1.5–2.5 L | ₹2–3 L | ₹27–40 L |
| Masters (2 yrs, technical) | ₹16–32 L | ₹29–32 L | ₹2–3 L | ₹3–4 L | ₹50–71 L |
| MBA (RSM / Nyenrode / Amsterdam, 1 yr) | ₹35–55 L | ₹14–18 L | ₹1.5–2.5 L | ₹3–4 L | ₹54–80 L |
| Bachelors (3 yrs) | ₹18–36 L | ₹43–48 L | ₹3–4.5 L | ₹4–6 L | ₹68–94 L |
Visa Essentials
What you need to prove for your Netherlands student visa to Saxion University of Applied Sciences
Year 1 fees
Tuition Proof
₹14.4–18 L
Living costs
Accepted
Loan sanction letter
3 key items
Requirements
Key Requirements
Indian students need an MVV (entry visa) plus a residence permit for study, which the Dutch university applies for on your behalf as your official sponsor under the IND (Immigration and Naturalisation Service) procedure.
The typical proof flow: (1) You pay the first-year tuition (or a deposit) to the university.
Key documents: (1) Education loan sanction letter on bank letterhead stating the sanctioned amount and availability for disbursement.
Requirement 1
Indian students need an MVV (entry visa) plus a residence permit for study, which the Dutch university applies for on your behalf as your official sponsor under the IND (Immigration and Naturalisation Service) procedure. This is one of Europe's smoothest processes because the university handles most of it. But it requires firm proof of funds. For 2026, you must show available living funds of €1,130.77 a month, €13,569 a year (about ₹14.4 L a year, checked on 2 Nov 2026), in addition to tuition, transferred to the university or held in a verifiable account.
Requirement 2
The typical proof flow: (1) You pay the first-year tuition (or a deposit) to the university. (2) You transfer or demonstrate the required living-cost amount. Often via a one-time transfer to the university's holding account, or by showing the funds in a bank account. (3) The education loan sanction letter and disbursement documents back this up. Because the funds frequently need to be transferred upfront, coordinate your loan disbursement timing carefully with the university's deadlines.
Requirement 3
Key documents: (1) Education loan sanction letter on bank letterhead stating the sanctioned amount and availability for disbursement. (2) Proof of the living-cost transfer or bank balance. (3) Proof of paid tuition. (4) Co-applicant ITR (2 years) and bank statements (3–6 months) as supporting evidence. Request a one-page English 'Visa Letter' from your bank. SBI, ICICI and Credila provide this and Dutch universities accept it readily.
Indicative EMIs for a Netherlands education loan, 10-year repayment after the moratorium period.
₹20 L · 10% · 10 yrs
~₹26,400
Monthly EMI
₹30 L · 10.5% · 10 yrs
~₹40,500
Monthly EMI
₹40 L · 11% · 12 yrs
~₹50,100
Monthly EMI
₹25 L · 9% · 12 yrs
~₹28,500
Monthly EMI
₹45 L · 10.5% · 10 yrs
~₹60,700
Monthly EMI
₹35 L · 10% · 10 yrs
~₹46,300
Monthly EMI
After Graduation
What awaits Saxion University of Applied Sciences graduates post-study
Available
Post-study work
Yes
PR pathway
Strong
Salary growth
~6,000
Indian students to Netherlands a year
Highlights
The Netherlands offers one of Europe's most attractive post-study options: the 'zoekjaar' or Orientation Year (Orientation Year for Highly Educated Persons).
The Netherlands is a powerhouse for engineering, technology, design, agri-food, logistics and finance.
The Netherlands also offers the famous '30% ruling', a tax advantage for skilled migrants that exempts a portion of salary from income tax for several years.
The Netherlands offers one of Europe's most attractive post-study options: the 'zoekjaar' or Orientation Year (Orientation Year for Highly Educated Persons). After graduating from a recognised Dutch university, or even within three years of graduation, you can apply for a 12-month residence permit to look for work, start a business, or take any job without restrictions. During this year you can work freely, and once you find a qualifying job you can switch to a Highly Skilled Migrant permit, which has a lower salary threshold for recent graduates.
The Netherlands is a powerhouse for engineering, technology, design, agri-food, logistics and finance. Eindhoven (home to the Brainport tech region, ASML, Philips) and Amsterdam (tech, finance, startups, with companies like Booking.com, Adyen, ING) are major employment hubs. English is spoken almost universally in professional settings, which makes the Dutch job market unusually accessible to international graduates who don't speak Dutch. A major advantage over many other European destinations.
The Netherlands also offers the famous '30% ruling', a tax advantage for skilled migrants that exempts a portion of salary from income tax for several years. Significantly boosting take-home pay and accelerating loan repayment. Starting salaries for technical graduates typically range €40,000–60,000+ (₹37–55 L), and with the 30% ruling, net income is even higher. As an EU country, your Dutch degree and work experience also enable the EU Blue Card and mobility across the European Union. Many graduates repay a ₹30–45 L loan within 4–6 years.
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Common questions Indian students ask about funding their studies at Saxion University of Applied Sciences
