Got an admit to SWPS 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 Poland National (Type D) Student Visa / Temporary Residence Permit proof you'll need.
₹18–35 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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₹18–35 L typical for Poland
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The Complete Guide
SWPS University is a university in Poland. For Indian students, a typical Poland programme costs ₹20–33 L for 2-year Masters. ₹30–55 L for 6-year MBBS in total, so most fund it with an education loan rather than paying out of pocket.
For Poland, Indian banks and NBFCs sanction loans of ₹18–35 L on average, with unsecured limits going significantly higher for strong academic and co-applicant profiles. Top lenders for SWPS University 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 SWPS 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 Poland National (Type D) Student Visa / Temporary 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 Poland loans approved in 5–14 days. We chase the bank for you.
Disbursement
Bank wires fees directly to SWPS University. You focus on the move.
Rates span roughly 3–5% by lender type. PSU banks (SBI, BoB) are cheapest at 8.85–10.85% but take 15–25 days and usually need collateral for larger amounts (such as 6-year MBBS). Private banks (ICICI, Axis) charge 10.25–12.75% with 7–14 day approval and broad university lists. NBFCs (Avanse, Auxilo, Tata Capital) charge 11–14.5% and are favoured for MBBS-abroad because they fund the full amount unsecured with annual disbursement. For a ₹25 L Master's loan over 10 years a PSU bank saves ₹4–6 L versus an NBFC. For a ₹45 L MBBS loan over 12–15 years the saving from a secured PSU loan can exceed ₹10 L, so families with collateral often prefer SBI/BoB.
SBI Global Ed-Vantage
Max: ₹1.5 Cr
9.15% to 10.15%
Lowest rates for Poland studies. ₹7.5 L collateral-free. Secured for larger amounts including 6-year MBBS. Strong for University of Warsaw and Jagiellonian.
Bank of Baroda Vidya
Max: ₹1.5 Cr
8.85% to 10.85%
PSU option covering EU universities including Poland. Competitive rates. Faster processing at Tier-2 city branches.
ICICI Bank Education Loan
Max: ₹1 Cr unsecured
10.25% to 12.50%
Fast 7–14 day approval. Up to ₹50 L unsecured for recognised Polish universities including NMC-approved medical schools.
Avanse Financial
Max: ₹75 L unsecured
11.00% to 14.00%
Popular for Poland MBBS and flexible profiles. Funds tuition + living for the full program. Approves cases banks decline.
Auxilo Finserve
Max: ₹65 L unsecured
11.50% to 14.50%
NBFC strong on abroad education including MBBS. Quick turnaround. Disburses tuition annually to the university.
Tata Capital Education Loan
Max: ₹65 L unsecured
11.00% to 14.00%
Covers tuition and living together. Useful for living-cost-heavy proof of funds for the Type D visa / residence permit.
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.
Poland's loan strategy depends on the program. For a Master's (total ₹20–33 Lakhs), most students stay within unsecured limits: SBI and Bank of Baroda offer up to ₹7.5 Lakhs collateral-free, ICICI up to ₹50 L unsecured for recognised universities, and NBFCs (Avanse, Auxilo, Tata Capital) up to ₹65–75 L unsecured at higher rates. For a 6-year MBBS at a Polish medical university (total ₹40 L–₹1 Cr), the amounts are larger and behave like other MBBS-abroad cases. NBFCs offer the full amount unsecured with annual disbursement, while PSU banks offer much lower rates but typically need collateral (residential property at LTV 75–85%, fixed deposits at LTV 90%, or LIC policies). A critical requirement for medical programs: the Polish medical university must be NMC-approved so you can sit the FMGE/NExT and practise in India. Lenders verify this before sanctioning. For all Poland loans, an important practical use is the residence-permit proof of funds: a loan sanction letter clearly showing a living-expense component helps satisfy the Type D visa / temporary residence requirements.
Use these Poland estimates to right-size your SWPS University loan, under-borrowing forces 18%+ personal loans abroad, over-borrowing wastes interest.
Tuition
Living
Travel
Misc + Books
Average Total Program Cost
₹20–33 L for 2-year Masters. ₹30–55 L for 6-year MBBS
Typical for Indian MBBS students
| Program | Tuition | Living | Travel | Misc | Total |
|---|---|---|---|---|---|
| Master's (2 yrs): Public University | ₹4–10 L | ₹12–18 L | ₹1.5–2 L | ₹2–3 L | ₹20–33 L |
| Bachelor's (3 yrs) | ₹6–15 L | ₹18–27 L | ₹2–3 L | ₹3–4 L | ₹29–49 L |
| MD (MBBS): 6 years (NMC-approved medical universities) | ₹24–48 L (₹4–8 L/yr) | ₹30–48 L (₹5–8 L/yr) | ₹3–5 L | ₹3–5 L | ₹40–₹1 Cr (mid-range ₹45–60 L) |
| PhD (3–4 yrs) | ₹0–6 L (often funded/stipend) | ₹18–36 L (often partial stipend) | ₹2–4 L | ₹3–5 L | ₹10–30 L (with funding) |
Visa Essentials
What you need to prove for your Poland student visa to SWPS University
Year 1 fees
Tuition Proof
₹6–9 L per year
Living costs
Accepted
Loan sanction letter
3 key items
Requirements
Key Requirements
To study in Poland, Indian students apply for a National (Type D) long-stay visa, which is later converted into a Temporary Residence Permit for the duration of studies.
For MBBS at NMC-approved Polish medical universities, lenders typically remit tuition directly to the university each academic year, and the payment receipt plus loan sanction letter together satisfy the visa/residence requirement.
As with any medical program abroad, confirm NMC approval and that the curriculum meets National Medical Commission standards (English medium, required duration plus internship) before accepting admission and applying for the loan.
Requirement 1
To study in Poland, Indian students apply for a National (Type D) long-stay visa, which is later converted into a Temporary Residence Permit for the duration of studies. The Polish authorities require proof that you can cover tuition and living costs. Students must show at least PLN 1,010 a month plus the cost of rent (checked on 2 Nov 2026) for living expenses for the stay, in addition to evidence that tuition is arranged. Acceptable proof includes: (1) An education loan sanction letter on bank/NBFC letterhead stating the loan amount and availability. (2) Proof of paid tuition (or first-year tuition) to the Polish university. (3) Bank statements of the co-applicant for the last 3–6 months. (4) Confirmation of accommodation and valid health insurance.
Requirement 2
For MBBS at NMC-approved Polish medical universities, lenders typically remit tuition directly to the university each academic year, and the payment receipt plus loan sanction letter together satisfy the visa/residence requirement. For Master's programs, a loan sanction letter that clearly breaks out the living-expense component is especially valuable, since the residence permit hinges on demonstrating ongoing means of support.
Requirement 3
As with any medical program abroad, confirm NMC approval and that the curriculum meets National Medical Commission standards (English medium, required duration plus internship) before accepting admission and applying for the loan. This protects both your residence application and your ability to clear FMGE/NExT and practise in India afterward. Carry original documents to your visa appointment at the Polish embassy/consulate.
Indicative EMIs for a Poland education loan, 10-year repayment after the moratorium period.
₹18 L · 10% · 10 yrs
~₹23,800
Monthly EMI
₹25 L · 10.5% · 10 yrs
~₹33,700
Monthly EMI
₹35 L · 11% · 12 yrs
~₹43,900
Monthly EMI
₹45 L · 11% · 12 yrs
~₹56,400
Monthly EMI
₹30 L · 9% · 12 yrs
~₹34,100
Monthly EMI
₹55 L · 11.5% · 15 yrs
~₹64,300
Monthly EMI
After Graduation
What awaits SWPS University graduates post-study
Available
Post-study work
Yes
PR pathway
Strong
Salary growth
~6,000
Indian students to Poland a year
Highlights
Poland offers two distinct post-study paths depending on your program.
For MBBS graduates, the post-study path centres on returning to India to practise.
Poland offers two distinct post-study paths depending on your program. For non-medical graduates (engineering, IT, business, sciences), Poland allows you to stay and seek work after graduation. You can apply to extend your temporary residence for the purpose of job-seeking, and once you secure employment, transition to a work-based residence permit. Poland's economy is one of the EU's fastest-growing, with strong demand in IT, engineering, manufacturing, finance and shared-services centres in Warsaw, Kraków and Wrocław. Many multinationals run large operations there. Graduate starting salaries typically range from PLN 60,000 to PLN 110,000 per year (roughly ₹14–25 L), with IT and engineering at the upper end, and after 5 years of residence you can pursue long-term EU residence. Learning Polish meaningfully widens your options, though many international firms operate in English.
For MBBS graduates, the post-study path centres on returning to India to practise. After the 6-year MD program at an NMC-approved Polish medical university, you must clear the FMGE (now transitioning to the NExT, National Exit Test) to obtain an Indian medical licence. Passing this exam is mandatory and determines whether your investment pays off, so choose an NMC-approved university with strong clinical training and begin FMGE/NExT preparation during your final study years. Polish medical degrees are well regarded internationally, also keeping options like USMLE (US) or PLAB (UK) open. Because Poland MBBS costs less than a private Indian seat, practising doctors typically repay their loan within 5–8 years of qualifying.
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Common questions Indian students ask about funding their studies at SWPS University
