No phone number. No sales call. Nothing sold to consultants.

Free · sourced from the lender's own document · nothing stored

Which banks recognise your university?

Some Indian lenders publish a list of foreign institutions that qualify for a collateral-free loan. Check yours against the published lists — with the source document and the date it was published.

What this is (and isn't): a lookup against lists that lenders publish themselves. It is not a blacklist, not a ranking, and not a prediction of whether your loan gets approved — a university missing from these lists is simply one we have no published document to check. TruthPathMS does not offer, broker, refer, or process education loans and takes no commission from any lender.

Why the list decides your interest rate

For most families the real question isn't "can I get a loan" — it's "do I have to mortgage the house." That's what these lists govern. A collateral-free sanction and a secured one against property are different products with different rates, different processing times, and very different consequences if the job market on the other side disappoints. Checking the list before you finalise a university is cheaper than discovering the difference after you've accepted an offer.

Note what the lists correlate with, and what they don't. They track institutional prestige and rank, which is not the same thing as your program's actual graduate outcomes — a university can be on every list and still be a poor return for your specific course and budget. Use this to understand your financing options, and the loan reality calculator to understand what the repayment actually looks like.

Lists covered

State Bank of India — Global Ed-Vantage — select global institutions

Collateral-free (unsecured) loan up to ₹50 lakh for students admitted to an institution on this list. Above that limit, or off-list, SBI's normal collateral requirements apply.

100 institutions · SBI, 'Select Global Institutions' Annexure (PDF), published 05 Jan 2026 · last checked 2026-08-02

Only one lender currently publishes a list we can verify and link to. Know of another lender that publishes its institution list as a document on its own domain? Tell us and we'll add it — second-hand copies on aggregator sites don't qualify.

Every listed institution, by country

The full 100-institution set, so you can read it without using the search box.

Australia (9)

  • Adelaide University
  • Australian National University
  • Monash University
  • The University of Melbourne
  • The University of New South Wales (UNSW)
  • The University of Queensland
  • The University of Sydney
  • The University of Western Australia
  • University of Technology Sydney

Belgium (1)

  • KU Leuven

Denmark (1)

  • University of Copenhagen

Finland (1)

  • University of Helsinki

France (4)

  • Institut Polytechnique de Paris
  • PSL University (Université PSL)
  • Sorbonne University
  • Université Paris-Saclay

Germany (5)

  • Freie Universität Berlin
  • Humboldt-Universität zu Berlin
  • Ludwig-Maximilians-Universität München (LMU Munich)
  • Ruprecht-Karls-Universität Heidelberg (Heidelberg University)
  • Technical University of Munich

Hong Kong SAR, China (5)

  • City University of Hong Kong
  • The Chinese University of Hong Kong
  • The Hong Kong Polytechnic University
  • The Hong Kong University of Science and Technology
  • The University of Hong Kong

Italy (2)

  • Alma Mater Studiorum - University of Bologna
  • Sapienza University of Rome

Japan (2)

  • Kyoto University
  • The University of Tokyo

Netherlands (7)

  • Delft University of Technology
  • Erasmus University Rotterdam
  • Leiden University
  • The University of Amsterdam
  • University of Groningen
  • Utrecht University
  • Wageningen University & Research

New Zealand (1)

  • The University of Auckland

Norway (1)

  • University of Oslo

Singapore (2)

  • Nanyang Technological University, Singapore (NTU Singapore)
  • National University of Singapore (NUS)

Sweden (2)

  • Lund University
  • Uppsala University

Switzerland (3)

  • École Polytechnique Fédérale de Lausanne (EPFL)
  • ETH Zurich (Swiss Federal Institute of Technology)
  • University of Zurich (UZH)

United Kingdom (18)

  • Imperial College London
  • King's College London (KCL)
  • London School of Economics and Political Science (LSE)
  • Queen Mary University of London (QMUL)
  • The University of Manchester
  • The University of Nottingham
  • The University of Sheffield
  • The University of Warwick
  • UCL (University College London)
  • University of Birmingham
  • University of Bristol
  • University of Cambridge
  • University of Edinburgh
  • University of Exeter
  • University of Glasgow
  • University of Leeds
  • University of Oxford
  • University of Southampton

United States of America (36)

  • Boston University
  • Brown University
  • California Institute of Technology (Caltech)
  • Carnegie Mellon University
  • Columbia University
  • Cornell University
  • Duke University
  • Emory University
  • Georgia Institute of Technology
  • Harvard University
  • Johns Hopkins University
  • Massachusetts Institute of Technology (MIT)
  • Michigan State University
  • New York University (NYU)
  • Northwestern University
  • Pennsylvania State University
  • Princeton University
  • Purdue University
  • Stanford University
  • Texas A&M University
  • University of California, Berkeley (UCB)
  • University of California, Davis
  • University of California, Los Angeles (UCLA)
  • University of California, San Diego (UCSD)
  • University of California, Santa Barbara (UCSB)
  • University of Chicago
  • University of Illinois at Urbana-Champaign
  • University of Michigan-Ann Arbor
  • University of North Carolina, Chapel Hill
  • University of Pennsylvania
  • University of Southern California
  • University of Texas at Austin
  • University of Washington
  • University of Wisconsin-Madison
  • Washington University in St. Louis
  • Yale University

Questions students ask

What is a bank's 'approved university list' for an education loan?

Some Indian lenders publish a list of foreign institutions that qualify for better loan terms — most commonly a higher collateral-free (unsecured) limit. SBI's Global Ed-Vantage scheme, for example, publishes an annexure of select global institutions whose students can borrow up to ₹50 lakh without collateral. The list decides the terms you're offered, not whether you can get a loan at all.

My university isn't on the list. Does that mean I can't get an education loan?

No. Absence from a published list is not a rejection. It usually means the unsecured, collateral-free route isn't automatic for that institution — you'd typically be looking at a secured loan against property or deposits instead. Separately, most Indian lenders (ICICI, Axis, HDFC Credila and the NBFCs among them) maintain internal 'prime university' lists they don't publish at all, so there is nothing public to check against for those lenders. Ask them directly.

Why does this tool only cover some lenders?

Because we only include lists a lender actually publishes, with a source document and a date we can link to. Several lenders' 'approved lists' circulate widely on consultant and loan-aggregator websites, but those are unverifiable second-hand copies — sometimes years out of date. We'd rather show you one list we can prove than five we can't.

Does being on the list guarantee my loan is approved?

No. The list determines what terms are available for that institution. Every lender still underwrites the application itself: your co-applicant's income and stability, CIBIL history, the total amount requested, the specific course, and the margin they require. Treat list membership as one input, not an approval.

How often do these lists change?

Without notice. SBI's current select-institutions annexure was published on 5 January 2026 and replaced an earlier version. That's exactly why every entry here shows the publication date and the date we last checked it against the source — and why you should open the lender's own document (linked on every result) before acting on it.

Does TruthPathMS arrange education loans?

No. We do not offer, broker, refer, or process education loans, and we take no commission from any lender. This tool exists so you can check a published fact for yourself before a conversation with a bank or a consultant.

Financing is solvable. The return is the harder question.

A collateral-free sanction still has to be repaid. The Honest Scorecard runs the full payback-period math against your real budget, admit odds, and visa pathway — every number sourced.

Get My Free Assessment →

or run the loan EMI reality calculator