{"id":12481,"date":"2022-02-01T14:36:54","date_gmt":"2022-02-01T09:06:54","guid":{"rendered":"https:\/\/test-blog.unicreds.com\/blog\/?p=12481"},"modified":"2024-12-27T18:19:08","modified_gmt":"2024-12-27T12:49:08","slug":"icici-bank-education-loan-disbursement-process","status":"publish","type":"post","link":"https:\/\/unicreds.com\/blog\/icici-bank-education-loan-disbursement-process\/","title":{"rendered":"ICICI Bank Education Loan Disbursement Process [Expert Advice]"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_75 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/unicreds.com\/blog\/icici-bank-education-loan-disbursement-process\/#ICICI_Bank_Abroad_Education_Loan_Disbursement_Process\" >ICICI Bank Abroad Education Loan Disbursement Process<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/unicreds.com\/blog\/icici-bank-education-loan-disbursement-process\/#Pre-Disbursement_Checklist_for_ICICI_Bank_Education_Loan\" >Pre-Disbursement Checklist for ICICI Bank Education Loan<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/unicreds.com\/blog\/icici-bank-education-loan-disbursement-process\/#ICICI_Bank_Abroad_Education_Loan_Eligibility\" >ICICI Bank Abroad Education Loan Eligibility<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/unicreds.com\/blog\/icici-bank-education-loan-disbursement-process\/#Important_Documents_Required_For_ICICI_Bank_Student_Loan\" >Important Documents Required For ICICI Bank Student Loan<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/unicreds.com\/blog\/icici-bank-education-loan-disbursement-process\/#Application_Process_For_ICICI_Bank_Abroad_Education\" >Application Process For ICICI Bank Abroad Education<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/unicreds.com\/blog\/icici-bank-education-loan-disbursement-process\/#Features_Benefits_Of_ICICI_Bank_Education_Loan\" >Features &amp; Benefits Of ICICI Bank Education Loan<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/unicreds.com\/blog\/icici-bank-education-loan-disbursement-process\/#Comparison_Between_Other_Banks_Education_Loans_ICICI_Bank_Education_Loan\" >Comparison Between Other Banks Education Loans &amp; ICICI Bank Education Loan<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/unicreds.com\/blog\/icici-bank-education-loan-disbursement-process\/#Why_Choose_UniCreds\" >Why Choose UniCreds?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/unicreds.com\/blog\/icici-bank-education-loan-disbursement-process\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\n<div id=\"bsf_rt_marker\"><\/div>\n<p><\/p>\n\n\n\n<p>This blog aims to give you a deeper understanding of the ICICI Bank Education Loan disbursement process, shedding light on its unique advantages. Discover how ICICI Bank stands out with competitive interest rates, generous loan limits, and the absence of processing fees. It gives financial support that comes with added perks like tax benefits under Section 80E. Let\u2019s understand the ICICI study abroad education loan disbursement process.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\" colspan=\"2\"><strong>Highlights And Overview<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Disbursement<\/td><td class=\"has-text-align-center\" data-align=\"center\">Unique advantages of ICICI Bank&#8217;s education loan, focusing on competitive rates, generous limits, and tax benefits.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Disbursement Process<\/td><td class=\"has-text-align-center\" data-align=\"center\">Contains the streamlined process of loan disbursal, timeline of 1-2 days, and disbursement details for ICICI Bank&#8217;s education loans for studying abroad.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Documents Required<\/td><td class=\"has-text-align-center\" data-align=\"center\">Typically the documents needed are- KYC documents, income proofs, academic records, fee structure, and co-applicant salary slips.&nbsp;<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Eligibility<\/td><td class=\"has-text-align-center\" data-align=\"center\">Eligibility criteria includes- students need to Indian Citizen, must have an offer from the desired university, should have a co-applicant.&nbsp;<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Application Process<\/td><td class=\"has-text-align-center\" data-align=\"center\">Students can either apply online through the bank website or offline by visiting the bank depending on their convenience.&nbsp;<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Comparison Between Other Banks Education Loans &amp; ICICI Bank Education Loan<\/td><td class=\"has-text-align-center\" data-align=\"center\">Comparison between ICICI Bank&#8217;s education loan and Axis Bank, SBI, and Bank of Baroda, focusing on interest rates, loan limits, and disbursement times.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Why Choose UniCreds?<\/td><td class=\"has-text-align-center\" data-align=\"center\">Understand the benefits of choosing UniCreds as a platform for education loans, including streamlined processes, dedicated support, and faster disbursal.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"ICICI_Bank_Abroad_Education_Loan_Disbursement_Process\"><\/span><strong>ICICI Bank Abroad Education Loan Disbursement Process<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>There are no additional procedures in the <a href=\"https:\/\/unicreds.com\/partners\/icici-bank\" target=\"_blank\" rel=\"noreferrer noopener\">ICICI Bank education loan<\/a> disbursement process. The applicant must submit all of the described documents, as well as any others stated in the letter, once the bank has presented the <a href=\"https:\/\/unicreds.com\/blog\/education-loan-sanction-letter\" target=\"_blank\" rel=\"noreferrer noopener\">sanction letter<\/a>. After the bank has reviewed and verified the paperwork, the applicant can request the disbursement of the loan funds. The disbursement process takes 15 working days. The procedure is simple and rapid, ensuring that loans are disbursed on schedule.<\/p>\n\n\n\n<p><strong>Tuition fees \u2013 <\/strong>Tuition fees are paid directly to the university or to the student\u2019s account.<\/p>\n\n\n\n<p><strong>Living Cost \u2013<\/strong> Accommodation, lodging, transit, and other living expenditures are transferred to the student\u2019s account for the convenience of processing.<\/p>\n\n\n\n<p><strong>Other expenses \u2013 <\/strong>The ICICI Bank education loan covers all expenses incurred while studying overseas. The amount of the loan is deposited into the student\u2019s account.<\/p>\n\n\n\n<p>Students should request disbursement at least 2 to 3 weeks before the fee submission date to provide the bank enough time to process the request and avoid any delays in sending the fee.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Pre-Disbursement_Checklist_for_ICICI_Bank_Education_Loan\"><\/span><strong>Pre-Disbursement Checklist for ICICI Bank Education Loan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>The ICICI Bank education loan application process is straightforward. All you have to do is complete the following steps:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Apply for the loan \u2013<\/strong> After learning about the characteristics and benefits of the ICICI Bank education loan, you can apply for it online using the UniCreds portal. The full loan application, including the submission of essential papers, can be performed online.<\/li>\n\n\n\n<li><strong>Submit all required papers \u2013 <\/strong>The loan application form asks for a variety of documents, including the admission letter, KYC documents, fee structure, collateral documents (if applicable), course-specific paperwork, and so on. UniCreds will email a case-based document checklist to the student\u2019s registered email address, which may then be simply uploaded to the portal.<\/li>\n\n\n\n<li><strong>ICICI Sanction Letter \u2013<\/strong> The ICICI Bank education loan sanction letter will be delivered to the applicant\u2019s registered email address once the documents have been submitted and confirmed. This letter should be read carefully by students.<\/li>\n\n\n\n<li><strong>Final Loan Agreement \u2013 <\/strong>Applicants must submit additional documents after accepting the terms and conditions stated in the sanction letter. After that, the bank sends the applicant and co-applicant the completed loan agreement to sign (s). The loan is disbursed according to the student\u2019s desire.<\/li>\n<\/ol>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"ICICI_Bank_Abroad_Education_Loan_Eligibility\"><\/span><strong>ICICI Bank Abroad Education Loan Eligibility<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>ICICI Bank offers education loans for both domestic and international studies, with different eligibility criteria for each. Here&#8217;s a breakdown of the eligibility for <a href=\"https:\/\/unicreds.com\/abroad-education-loan\" target=\"_blank\" rel=\"noopener\">abroad education loan<\/a>:<\/p>\n\n\n\n<p><strong>Basic Eligibility:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Citizenship: You must be an Indian citizen.<\/li>\n\n\n\n<li>Age: Your age should be between 18 and 35 years at the time of loan application.<\/li>\n\n\n\n<li>Academic background: You should have secured admission to a recognised university abroad for a higher education course, usually through entrance exams.<\/li>\n\n\n\n<li>Co-applicant: A co-applicant (parent\/guardian\/sibling) with regular income is mandatory.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Additional Eligibility:<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Course and university:<\/strong> The course and university you choose should be recognized by the University Grants Commission (UGC) or any other relevant regulatory body.<\/li>\n\n\n\n<li><strong>Loan amount:<\/strong> The maximum loan amount for abroad education is Rs. 2 crore. However, the actual sanctioned amount will depend on various factors like your academic record, course fees, co-applicant&#8217;s income, and the country of study.<\/li>\n\n\n\n<li><strong>Margin: <\/strong>Generally, a margin of 10-25% is required for abroad education loans. This means you need to arrange for this percentage of the total course fees from your own resources. However, there are specific programs with no margin for premium institutes.<\/li>\n\n\n\n<li><strong>Credit score:<\/strong> Both the applicant and co-applicant should have a good credit score.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Important_Documents_Required_For_ICICI_Bank_Student_Loan\"><\/span><strong>Important Documents Required For ICICI Bank Student Loan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Understanding the documents required and submitting the accurate documents in one go can help speed up the ICICI Bank abroad education loan disbursement process. Here are the documents required for ICICI Bank Education Loan make sure you go through them thoroughly.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Category<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Documents Required<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Candidate&#8217;s KYC Documents<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2022 PAN Card \u2022 Aadhar Card \u2022 Valid Passport \u2022 Driver\u2019s Licence<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Candidate&#8217;s Proof of Address<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2022 Telephone Bill\/Water Bill\/Electricity Bill (not more than 3 months old) \u2022 Tax Paid Receipt \u2022 Ration Card<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Academic Transcripts<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2022 10th, 12th, and undergraduate mark sheets \u2022 Test Scorecards (if needed, e.g., GRE\/GMAT\/TOEFL\/IELTS\/PTE)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Fee Structure<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2022 Applicant\u2019s Signature Proof \u2022 Passport Copy \u2022 PAN Card \u2022 Banker\u2019s Signature Verification<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>[elementor-template id=&#8221;31628&#8243;]<\/p>\n\n\n\n<div style=\"text-align: center;\"><button style=\"background-color: #289048; color: white; border: none; padding: 10px 20px; border-radius: 5px; font-size: 18px; font-weight: bold;\"> <a style=\"text-decoration: none; color: white;\" href=\"https:\/\/unicreds.com\/get-expert-help?utm_source=uc-blog&amp;utm_medium=organic&amp;utm_campaign=seeking-for-education-loan-button\" target=\"_blank\" rel=\"noopener\">Seeking an Education Loan? Get Free Consultation<\/a> <\/button><\/div>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Documents Required from Co-Applicant(s)<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>3 months\u2019 salary slips, as well as verification of any other sources of income<\/li>\n\n\n\n<li>6 months\u2019 worth of pay account bank statements<\/li>\n\n\n\n<li>Relationship proof using the most recent Form 16 and ITR (with the applicant)<\/li>\n\n\n\n<li>In the event that the co-applicant is unable to make an interest payment in a given month, he or she must additionally provide 9-12 post-dated checks.<\/li>\n\n\n\n<li>NACH Form<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>To complete the application process and begin the disbursement procedure, the applicant may be required to provide additional case-specific papers. On stamp paper, the documents must be notarised.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Application_Process_For_ICICI_Bank_Abroad_Education\"><\/span><strong>Application Process For ICICI Bank Abroad Education<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Applying for an ICICI Education Loan is convenient with two primary methods: online and offline. The online application process involves visiting the official ICICI Bank website, filling out the application form, and uploading the necessary documents for a streamlined experience. Alternatively, applicants can opt for the offline route by visiting a nearby ICICI Bank branch, where they will receive guidance on completing the application and submitting required documents in person.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Online Application Process:<\/strong><\/p>\n\n\n\n<p><strong>Step 1: <\/strong>Visit the ICICI Bank website<\/p>\n\n\n\n<p><strong>Step 2:<\/strong> Click on &#8220;Apply Online&#8221; under the &#8220;Education Loan&#8221; section.<\/p>\n\n\n\n<p><strong>Step 3:<\/strong> Select the type of education loan you want to apply for (domestic or abroad).<\/p>\n\n\n\n<p><strong>Step 4:<\/strong> Fill out the online application form with your details, co-applicant details, and course details.<\/p>\n\n\n\n<p><strong>Step 5:<\/strong> Upload the required documents.<\/p>\n\n\n\n<p><strong>Step 6: <\/strong>Submit the application form.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Offline Application Process:<\/strong><\/p>\n\n\n\n<p><strong>Step 1:<\/strong> Visit your nearest ICICI Bank branch.<\/p>\n\n\n\n<p><strong>Step 2:<\/strong> Meet with a bank representative and tell them that you want to apply for an education loan.<\/p>\n\n\n\n<p><strong>Step 3: <\/strong>The bank representative will provide you with an application form and guide you through the process.<\/p>\n\n\n\n<p><strong>Step 4:<\/strong> Fill out the application form with your details, co-applicant details, and course details.<\/p>\n\n\n\n<p><strong>Step 5: <\/strong>Submit the application form along with the required documents.<\/p>\n\n\n\n<p>The processing time for an education loan application is typically 7-15 business days. The interest rate on an education loan is variable and depends on the loan amount, course type, and co-applicant&#8217;s credit score. ICICI Bank offers a variety of repayment options for education loans, including a grace period after graduation.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Features_Benefits_Of_ICICI_Bank_Education_Loan\"><\/span><strong>Features &amp; Benefits Of ICICI Bank Education Loan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>The <a href=\"https:\/\/unicreds.com\/blog\/icici-bank-education-loan-without-collateral\" target=\"_blank\" rel=\"noreferrer noopener\">ICICI Bank education loan without collateral<\/a> is designed with students in mind, featuring a number of features that make it easier for students to pursue international education without breaking a sweat. The following are a few of them:<\/p>\n\n\n\n<p><strong>Loan Amount- <\/strong>Education loans up to INR 1 crore (with security) are available from ICICI Bank for abroad education. The bank provides education loans with no collateral up to INR 40 lakhs for postgraduate programs and INR 20 lakhs for undergraduate courses.<\/p>\n\n\n\n<p><strong>Interest rate \u2013<\/strong> For overseas studies, the ICICI Bank education loan interest rate starts at 9.85 percent for postgraduate degrees. The interest rate for undergraduate courses begins at 9.85 percent. The interest rate, on the other hand, can vary depending on the course and the institute. The interest rate can be negotiated if the student has been accepted to a top-ranked college. On college loans, simple interest is calculated.<\/p>\n\n\n\n<p><strong>Margin Money \u2013 <\/strong>On loans up to INR 20 lakhs, the bank does not charge any margin money. For loans of more than INR 20 lakhs, the margin money goes from 5% to 15%. Any income contributed to the university as a scholarship or as an initial fee might be included in the margin money.<\/p>\n\n\n\n<p><strong>Eligibility \u2013<\/strong> The ICICI Bank education loan eligibility criteria are rather straightforward: the student must be an Indian citizen.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The student must have been accepted into a degree or diploma programme at a recognised university.<\/li>\n\n\n\n<li>The student must have completed her or his 10+2 education.<\/li>\n<\/ul>\n\n\n\n<p><strong>Processing Fee:<\/strong> The processing fee charged by ICICI Bank is 1% of the loan amount plus applicable taxes.<\/p>\n\n\n\n<p><strong>Repayment Tenure:<\/strong> After the moratorium period expires, the bank offers up to 8 years to repay the loan amount. After the holiday period, if the student has pledged collateral, the loan term is extended to ten years.<\/p>\n\n\n\n<p><strong>Moratorium period: <\/strong>The loan repayment period begins when the course has been completed + 6 months.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Comparison_Between_Other_Banks_Education_Loans_ICICI_Bank_Education_Loan\"><\/span><strong>Comparison Between Other Banks Education Loans &amp; ICICI Bank Education Loan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Education loans demand a keen understanding of the offerings provided by various financial institutions in India. In this comparison, we&#8217;ll dive into the key comparison of ICICI Bank against notable counterparts like Axis Bank, Bank of Baroda, Union Bank, and more.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Name of the bank<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Interest Rates<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Loan Upper Limit<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Disbursement Time<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ICICI Bank Education Loan<\/td><td class=\"has-text-align-center\" data-align=\"center\">9.85 &#8211; 14%&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.5 Crores<\/td><td class=\"has-text-align-center\" data-align=\"center\">1-2 working days<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/unicreds.com\/partners\/axis-bank\" target=\"_blank\" rel=\"noreferrer noopener\">Axis Bank Education Loan<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">13 &#8211; 15%<\/td><td class=\"has-text-align-center\" data-align=\"center\">No upper limit<\/td><td class=\"has-text-align-center\" data-align=\"center\">2 days post sanction<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">SBI Bank Education Loan<\/td><td class=\"has-text-align-center\" data-align=\"center\">10 &#8211; 11%<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.5 Crores<\/td><td class=\"has-text-align-center\" data-align=\"center\">20-25 days<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/unicreds.com\/partners\/bank-of-baroda\" target=\"_blank\" rel=\"noreferrer noopener\">Bank of Baroda Education Loan<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">9.5 &#8211; 10.20%<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.5 Crores<\/td><td class=\"has-text-align-center\" data-align=\"center\">3-7 working days<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>So according to the table, when we compare Axis Bank Vs, ICICI Bank, there\u2019s not much difference in the <a href=\"https:\/\/unicreds.com\/blog\/disbursement-process-of-education-loan\" target=\"_blank\" rel=\"noreferrer noopener\">education loan disbursement<\/a> time. However, the interest rates differ to some extent. The lowest interest rate charged on abroad education loans is by SBI Bank and Bank of Baroda. However, UniCreds can help you find the best bank for your education loans with fastest loan approvals!<\/p>\n\n\n\n<div style=\"text-align: center;\"><button style=\"background-color: #289048; color: white; border: none; padding: 10px 20px; border-radius: 5px; font-size: 18px; font-weight: bold;\"> <a style=\"text-decoration: none; color: white;\" href=\"https:\/\/unicreds.com\/get-expert-help?utm_source=uc-blog&amp;utm_medium=organic&amp;utm_campaign=eligibility-button\" target=\"_blank\" rel=\"noopener\">Check Your Eligibility<\/a> <\/button><\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_Choose_UniCreds\"><\/span><strong>Why Choose UniCreds?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>UniCreds has partnered with prominent financial institutions like ICICI Bank, Axis Bank, Credila, Auxilo, Avanse, and many more, to help you get best deals on your education loan with faster loan approvals.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Streamlined process: <\/strong>UniCreds simplifies the application and disbursement process by handling document collection, verification, and communication with the bank. This can potentially save you time and effort.<\/li>\n\n\n\n<li><strong>Dedicated support: <\/strong>UniCreds assigns an Education Loan Manager&nbsp; who guides you through the entire process, answering questions and helping with any complications.<\/li>\n\n\n\n<li><strong>Faster disbursement:<\/strong> UniCreds provides faster loan disbursal compared to direct application through the bank.<\/li>\n<\/ul>\n\n\n\n<p>While engaging a lender may be the students\u2019 first choice, they should examine the advantages of channels such as UniCreds. The loan application process is simple and without hitches. Any potential obstacles are slim, and if they arise, your allocated ELC will quickly resolve them by contacting the appropriate bank official. The application process for an education loan with UniCreds is a breeze.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span><strong>FAQs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. How long does it take to disburse an ICICI education loan?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>Once all required documents are submitted, the loan will be granted within 1-2 business days.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. What is the interest rate of the ICICI Abroad Education loan?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>The interest rate of ICICI Bank Abroad Education loan ranges from 9.85 &#8211; 14%. However, the interest range varies depending on the loan amount and the country you are seeking to study in.&nbsp;&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. How much education loan can I get from the ICICI Bank without collateral?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>You can get up to Rs. 50 lakhs education loan from ICICI Bank without collateral.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. How long does the ICICI education loan take to process?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>The processing time for an ICICI education loan can vary based on several factors, including the completeness of the application, document verification, and the specific requirements of the loan. Typically, the process may take a few weeks from the time of application submission to loan approval.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5. What documents are required for the ICICI education loan?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>For an ICICI education loan, essential documents include KYC (PAN, Aadhar, Passport), proof of address, academic transcripts, entrance exam scores (if applicable), fee structure, applicant&#8217;s signature proof, and collateral details.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [{\n    \"@type\": \"Question\",\n    \"name\": \"How long does it take to disburse an ICICI education loan?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"Once all required documents are submitted, the loan will be granted within 15 business days.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"When does EMI start after loan disbursement?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"For instance, if your monthly EMI deduction date was set for the 5th and your complete Home Loan amount was disbursed on the 18th of a month, your initial EMI will be taken on the 5th of the next month.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"How do I check my loan processing status?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"Visit the bank or financial institution\u2019s official website. Locate the \u201cloan status check\u201d option and input the details you provided in the loan application\u2014like date of birth, email address, and mobile number\u2014to retrieve your status.\"\n    }\n  }]\n}\n<\/script><\/p>\n\n\n\n\n","protected":false},"excerpt":{"rendered":"<p>This blog aims to give you a deeper understanding of the ICICI Bank Education Loan disbursement process, shedding light on its unique advantages. Discover how ICICI Bank stands out with competitive interest rates, generous loan limits, and the absence of processing fees. It gives financial support that comes with added perks like tax benefits under [&hellip;]<\/p>\n","protected":false},"author":91,"featured_media":30927,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[2578],"tags":[],"class_list":["post-12481","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-student-loan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>ICICI Bank Education Loan Disbursement Process [Expert Advice] - UniCreds Blog<\/title>\n<meta name=\"description\" content=\"Learn how ICICI Bank&#039;s education loan disbursement process works, including key steps, documents needed, and timelines for a smooth experience.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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