Credit tightening up when American visa reforms influence aspiring students | Photocredit: Wutwhan Photo
Indian banks have increased the investigation of their educational loan portfolios and the after-hes insurance standards are becoming tighter after relocating the US government to sharpen the H-1B visa standards, including a proposed fee of $ 100,000 per new applicant, sources say.
“Studenten die in het buitenland willen studeren, zijn aarzelend in het aanvragen van een lening, rekening houdend met de laatste Amerikaanse verhuizing op het H-1B-visum. Terwijl deze leningen worden ondersteund door een beveiliging van ouders, als de familie een marginale achtergrond is, en als de studenten in hun tweede of derde jaar van hun afstuderen, zei een senior sector, zei een senior sector, zei een senior sector, ‘een senior sector,’ een senior sector, Said a senior sector, “a senior sector,” a senior sector, said a senior sector, “a senior sector, said a senior sector,” a senior sector, said a senior sector, “a senior sector, said a senior sector,” a senior sector, “a senior sector said.
“These loans are generally non-interest-bearing, so banks will be careful with expanding new educational loans. It can increase the credit risk. Training-oriented NBFCs would have been the most affected by the US movement,” they said.
The exposure of banks for educational loans amounted to £ 1.41 Lakh Crore, on July 2025, an increase of 15 percent on a year to year (JOJ). The assets in the management (AUM) of Credila Financial Services, the largest non-banking educational loan financier of India, were at £ 41,810 Crore, while Amanse Financial Services’ AUM was at £ 18,985 crore as on FY25 end.
“We still have to judge how many students received those educational loans from us, and who now not probably get an H-1 B visa. We will do that assessment soon,” said a senior banker at a large bank in the public sector.
Another banker said that lenders will now consider sharpening credit for educational loans and also the repayment capacity of parents of the students who saw the visa will evaluate for shifting to the US.
Published on September 28, 2025
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