🇺🇸 Electrical & Electronics Engineering · USA

Education Loan for MS in Electrical & Electronics Engineering in the USA

How much Indian students borrow for an MS in Electrical & Electronics Engineering in the USA, which loan route fits and what the EMI looks like.

Typical loan ₹76 lakh
Total ₹57 lakh – ₹1.84 crore
Secured loan advised
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Quick answer

How much education loan do I need for an MS in Electrical & Electronics Engineering in the USA?

On our 156 universities offering Electrical & Electronics Engineering in the USA, total costs run from ₹57 lakh – ₹1.84 crore. A typical borrower takes about ₹76 lakh — at that size a secured loan gives the lowest rate and highest limit. The EMI at 10.5% over 10 years is about ₹1,02,551 a month.

Ask on WhatsAppUpdated October 2026 · Reviewed by the Visa Edu Loans admissions & finance desk

Loan for MS in Electrical & Electronics Engineering in the USA

Total cost range: ₹57 lakh – ₹1.84 crore
Typical loan: ₹76 lakh
EMI (10.5%, 10 years): ₹1,02,551 a month
Funds for the visa: F-1 student visa

Costs

Electrical & Electronics Engineering costs in the USA

Electrical & Electronics Engineering costs in the USA
University	Total in ₹
UTRGV	₹57 lakh – ₹66 lakh
West Texas A&M	₹57 lakh – ₹66 lakh
Texas A&M Kingsville	₹59 lakh – ₹68 lakh
UTEP	₹59 lakh – ₹70 lakh
Lamar University	₹61 lakh – ₹72 lakh
Prairie View A&M	₹64 lakh – ₹73 lakh
SIUE	₹63 lakh – ₹74 lakh
Texas Tech	₹63 lakh – ₹75 lakh
NIU	₹64 lakh – ₹75 lakh
SIU Carbondale	₹64 lakh – ₹75 lakh

Repayment

EMI on a ₹76 lakh loan

EMI on a ₹76 lakh loan
Rate	7 years	10 years	15 years
9%	₹1,22,277	₹96,274	₹77,084
10.5%	₹1,28,141	₹1,02,551	₹84,010
12%	₹1,34,161	₹1,09,038	₹91,213

Lenders

Which lenders fit

Which lenders fit
Lender	Type	Why
SBI	Public sector bank	Low secured rates and very high limits, but slower and collateral-heavy
Bank of Baroda	Public sector bank	Public-bank pricing with a premier list for collateral-free amounts
PNB	Public sector bank	Wide branch network and public-bank rates; margin money applies
Canara Bank	Public sector bank	Strong in South India; public-bank pricing
Union Bank	Public sector bank	Public-bank pricing; large secured limits
Bank of India	Public sector bank	Public-bank pricing for secured loans
HDFC Bank	Private bank	Private-bank speed with secured and unsecured options

FAQs

Frequently asked questions

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Lenders fund up to the full cost of attendance less margin money — commonly ₹61 lakh–₹1.66 crore for this program.

Possible for listed universities with a strong co-applicant, but amounts this large usually need collateral for the best rates.

After the course plus a moratorium (usually 6–12 months); interest may accrue during study.

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Programs

Electrical & Electronics Engineering in the USA

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Lenders

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