In secured student loans for studying abroad, one can get up to INR 1.5 cr. In overseas education loans without collateral, students can apply for study loans of up to INR 75 Lakh. This loan amount limit can increase or decrease depending on the applicants and co-applicants profile, country, course, etc.

For those seeking secured education loans to study abroad, banks like SBI and UBI are often recommended for their favourable interest rates and terms that require collateral. Conversely, for unsecured loans, which do not require collateral, AXIS, ICICI, and HDFC Credila are popular choices among students for their specialized education loan products. It's advisable to compare these options based on your financial needs and repayment capacity.

Education loans typically offer two types of interest rates - fixed and floating. In a fixed interest rate, the rate remains constant throughout the loan tenure, providing stability in repayment amounts. On the other hand, in a floating interest rate, the rate fluctuates based on market conditions, potentially leading to varying monthly instalments.

The moratorium period for education loans is the time during which the borrower is not required to make any loan repayments. It typically starts from the course completion date and extends for a certain period afterward, allowing the student to focus on finding employment and settling into their new career. The duration of the moratorium period varies among lenders but is usually around 6 to 12 months.