🇨🇭 Switzerland · Public
Education Loan for HSG
How much Indian families usually borrow for University of St. Gallen, which loan routes fit a ₹65 lakh – ₹71 lakh total cost, and what the EMI looks like.
- Total ≈ ₹65 lakh – ₹71 lakh
- Typical loan ₹46 lakh – ₹64 lakh
- Secured & unsecured options
- Sanction letter for the visa
Talk to an expert
Get a loan plan for HSG
A counsellor replies on WhatsApp with your checklist and next steps
Quick answer
How much education loan do I need for HSG?
Most Indian students at HSG borrow ₹46 lakh – ₹64 lakh of a ₹65 lakh – ₹71 lakh total cost (2-year master's, tuition CHF 5,000 – CHF 7,000 a year). At this cost, secured loans give the largest amounts at the lowest rates; unsecured NBFC loans work if the co-applicant's income is strong.
Official sources: University of St. Gallen — official website
HSG loan at a glance
- Total cost
- ₹65 lakh – ₹71 lakh
- Typical loan
- ₹46 lakh – ₹64 lakh
- Tuition
- CHF 5,000 – CHF 7,000 a year
- Living costs used
- CHF 22,500 a year
- Program length
- 2 years
- Funds for the visa
- National (type D) visa and cantonal residence permit
What you'll fund
HSG total cost in rupees
Loan routes
Loan options for HSG
Repayment
EMI on a ₹54 lakh loan
About 80% of the mid-point cost. EMIs start after the course and moratorium.
Process
Loan steps after your HSG offer
- 01
Cost sheet
Use the cost on your HSG offer letter or I-20/CAS/LOA.
- 02
Compare 2–3 lenders
A secured option, an unsecured option and, where relevant, an international lender.
- 03
Sanction letter
Get it before your National (type D) visa and cantonal residence permit application.
- 04
Disbursement
Tuition goes directly to HSG; living costs to your account or forex card.
FAQs
Frequently asked questions
Still have a question?
Ask a counsellor directly — we reply on WhatsApp during working hours (Mon–Sat, 9 AM–6 PM IST).
Lenders fund the cost of attendance minus margin money. For HSG that usually means ₹46 lakh – ₹64 lakh, depending on savings and scholarships.
Often yes, from NBFCs and private banks, if the co-applicant's income is steady and the university is on the lender's list.
About ₹72,865 a month over 10 years at 10.5%, after the moratorium.
Yes — most lenders fund tuition, living costs (about CHF 22,500 a year), travel and insurance, within the overall limit.
Explore
Keep exploring
Same university
HSG
Lenders
Education loan lenders for Switzerland
Talk to an expert
Talk to a counsellor today
Share your profile — we reply with a checklist and next steps. Expert consultations over call start at ₹355.
Mon–Sat, 9 AM–6 PM IST