Studying abroad in Fall 2025? Once your admit is in hand, the next critical step is getting your education loan disbursed before your visa appointment. With changing embassy timelines, lender policies, and new RBI rules, it’s vital to plan your loan disbursal journey properly.

What is Pre-Visa Disbursal?

Many countries (especially the US, Canada, and Germany) require proof of funds at the time of the visa interview. This means your education loan must be sanctioned AND disbursed (partially or fully) before you even get your visa.
Lenders refer to this as a "pre-visa disbursal" and have different norms based on your university, course, country, and repayment profile.

Why Fall 2025 Applicants Need to Act Early

In 2025, student visa appointment slots are getting booked months in advance. So your education loan disbursal must be completed at least 15–20 days before your visa date.
If your visa is in June or July, your loan must be disbursed by May-end or mid-June.
Also, lenders now follow tighter timelines due to new KYC regulations, making early action crucial.

Education Loan Disbursal Timeline (Fall 2025 Edition)

Documents Required for Pre-Visa Loan Disbursal

• University admission letter

• Visa appointment confirmation

• KYC documents (PAN, Aadhar, Passport)

• Income proof of co-applicant (if required)

• Disbursal request form

• Fee structure/invoice from university

Some lenders may also ask for:

• I-20 form (for US)

• GIC account details (for Canada)

• Blocked account confirmation (for Germany)

Top Countries & Pre-Visa Loan Norms

United States (USA)

• I-20 issued only after financial proof

• Most Indian lenders disburse 1st semester tuition before visa

Canada

• Students must show 1 year of living expenses in a GIC

• Lenders like SBI, ICICI, and foreign NBFCs support direct transfers to GIC accounts

Germany

• Requires blocked account (~€11,208 in 2025)

• Loan can be disbursed into the blocked account before visa