Compare EMI & total cost across domestic tuition loans and collateral-backed / income-based study-abroad loans, and calculate the GFET 2018 foreign exchange remittance quota for tuition and living costs.
Compare EMI & total cost of loan across 9 banks/NBFIs, or calculate the foreign exchange remittance quota for tuition & living costs.
48 months repayment (excl. 12-month moratorium)
136.98% of the original loan amount — inclusive of interest, processing fee, VAT, and stamp duty.
Interest rate band, maximum loan ceiling, and moratorium period across 9 lenders.
| Lender | Interest Rate Band | Study Abroad Ceiling | Moratorium | Max Tenor |
|---|---|---|---|---|
BRAC Bank PLC — Education Loan Bank | 10.50% - 13.50% | ৳8,000,000 | 24 months | 7 years |
The City Bank PLC — Student Loan Bank | 10.75% - 13.75% | ৳7,000,000 | 24 months | 6 years |
Bank Asia PLC — Education Loan Bank | 10.00% - 13.00% | ৳6,000,000 | 18 months | 6 years |
Dutch-Bangla Bank PLC — Nexus Study Loan Bank | 11.00% - 14.00% | ৳7,500,000 | 24 months | 7 years |
Islami Bank Bangladesh PLC — Education Investment (Bai-Muajjal) BankShariah-Compliant | 10.25% - 13.25% | ৳7,000,000 | 24 months | 7 years |
Southeast Bank PLC — Shikkha Rin (Education Loan) Bank | 11.25% - 14.25% | ৳6,000,000 | 18 months | 6 years |
Trust Bank PLC — Student Loan Bank | 10.90% - 13.90% | ৳6,500,000 | 18 months | 6 years |
IDLC Finance PLC — Education Loan NBFI | 13.50% - 16.50% | ৳5,000,000 | 12 months | 5 years |
IPDC Finance PLC — Education Loan NBFI | 13.75% - 17.00% | ৳5,000,000 | 12 months | 5 years |
Authoritative briefings on the BB Student Loan Scheme and GFET 2018 (Chapter 9)
A primer on eligibility, interest rate structure, and the approval process for education loans offered by domestic banks and NBFIs.
How interest rate, loan ceiling, and risk differ between FDR/property collateral-backed and co-applicant income-based study-abroad financing.
The annual quota and documentation required to remit tuition and living expenses abroad under Bangladesh Bank's GFET 2018 guidelines for students.
The difference between an FDR-pledge and a bank-statement-based solvency certificate as proof of financial capacity for a student visa application.
The math behind education loan monthly installments (EMI), moratorium-period interest capitalization, and the true total cost of the loan.
Key differences between domestic tuition loans and study-abroad loans across loan ceiling, interest rate, tenor, collateral, and foreign exchange remittance complexity.
Guidance based on the BB Student Loan Scheme and GFET 2018 (Chapter 9)