u/TopTreat9893

I’m processing a ₹55 lakh unsecured education loan for my master’s in France through Credila, with WeMakeScholars assisting me, and the overall experience has been extremely frustrating.

The biggest issue is that my application took around 25–26 days to process for a non-collateral education loan. There were repeated document requests and delays, and now that my admission/visa timeline is getting closer, I feel like I have very little choice but to accept whatever terms they offer.

They also told me that my father’s business documents were not sufficient, despite me already providing substantial documentation regarding his income and financial position. The only thing I haven’t been able to provide is a physical office photograph because his work is essentially transport/supply-related, rather than a conventional business operating from a formal office.

What is particularly frustrating is the insurance being pushed along with the loan:

HDFC Life insurance: around ₹96,000–₹98,000

TATA AIG insurance: ₹48,800

Total: roughly ₹1.45 lakh

I will also need to purchase/maintain the required insurance in France after arrival, so I don’t understand why I should be paying for overlapping coverage in India, particularly when some of these products have been presented as mandatory.

I have also been offered different interest-rate structures depending on whether I accept the insurance. When I asked for the written basis showing that these insurance products are mandatory for the loan, I did not receive a clear answer.

What bothers me most is the timing. After 25–26 days of delays, I’m now very close to my France visa and travel deadlines. It feels like the lender knows I have limited alternatives at this stage and is therefore giving me a very unattractive offer.

I understand that Credila has every right to conduct due diligence and assess the risk of an unsecured ₹55 lakh loan. I’m not objecting to legitimate verification or reasonable documentation requirements.

But I do expect transparency regarding:

Which documents are genuinely required and why.
Which insurance products are mandatory vs optional.
Why the interest rate changes depending on whether insurance is purchased.

Why the application took nearly a month to process.
Whether these insurance products actually provide meaningful coverage for a student who will be living in France.

Has anyone else had a similar experience with Credila or WeMakeScholars, especially with unsecured education loans?

I’d particularly like to hear from people who were offered expensive HDFC Life/TATA AIG insurance along with their education loan and whether you were able to negotiate it out or get a lower-cost alternative.

My_qualifications

I’m applying for a France student visa from India and I’m financing my studies through an unsecured education loan from Credila.
There is a spelling difference between my name and my father’s name:

All of my documents (passport, academic documents, etc.) have the spelling…example, “Ramesh”

All of my father’s documents (Aadhaar, PAN, etc.) have the spelling “Ramish”

My father is the co-applicant on my education loan, but I’m primarily relying on the education loan for my financial proof.

There are no inconsistencies within either of our own documents ..the spelling is consistently Ramesh for me and Ramish for him.

Do I need to make a name-discrepancy affidavit stating that Ramesh and Ramish refer to the same family/name spelling variation?

Has anyone faced a similar situation while applying for a France student visa from India? Would VFS/consulate actually require an affidavit, or is the consistent documentation + proof of relationship sufficient?
Any advice based on actual experience would be appreciated.

Hi everyone,

I’m applying for a France long-stay student visa from India.

My nearest VFS centres are Kolkata and Guwahati, but I can’t find any appointment slots at either of them. Since my timeline is getting very tight, I’m considering booking an appointment at the Delhi VFS instead.
I had a few questions:

Is it common for new appointment slots to be released again for Kolkata or Guwahati, or are they usually booked out for a long time?

Has anyone recently managed to get a slot there after seeing “no appointments available”?

If I book Delhi, how long did it take you to get your passport back with the visa after your appointment?

Would you recommend waiting for Kolkata/Guwahati, or just going ahead with Delhi?

I’d really appreciate any recent experiences or advice. Thanks in advance!

Hi everyone,

I’m in a really stressful situation and would really appreciate some advice.

I’ve been admitted to a master’s program in France and now need an education loan. The problem is with my co-applicant (my father).

Our situation is:

We own 3 residential/commercial properties:

1)One in a rural area (not sure of its current value).

2)One in a suburban area worth around ₹40–45 lakh.

3)Another property in a suburban area worth around ₹80 lakh–₹1 crore, which is about 90–95% complete.

My father’s current income includes:

1) ₹4,300/month from an Airtel telecom tower.

2) ₹3,400/month from a Jio telecom tower.

3) Around ₹6,000/month from a rural rental property (mostly paid in cash, sometimes online).

The nearly completed property is expected to generate around ₹21,000/month in rent. From what I know, Punjab National Bank has agreed to rent the premises for a branch once the construction is completed, although I’m not sure about the exact status of the agreement or documentation.

We also own 2 agricultural lands, but I’m unsure what documents are available to prove agricultural income in our area.

The biggest issue is that my father has never filed an ITR because most of his income has come from rent and agriculture, much of it in cash. We also don’t have formal rental agreements for some of the existing tenants.

I’m worried banks will reject my education loan despite us having genuine income and collateral. My university and visa deadlines are getting closer, so time is running out.

I’m honestly feeling stuck right now and don’t know what my next step should be. Any advice or experiences would mean a lot. Thank you.

Got admitted to emlyon Business School (Paris) for MSc Strategy & Consulting. Looking for a ₹50–55 lakh education loan.

Currently considering:

SBI
PNB (my father has a good relationship with the bank)
ICICI
HDFC Credila
Other NBFCs

For those who studied abroad (especially France/Europe), which lender would you recommend and why?

Has anyone here gotten a Campus France interview online because of a health issue?

My payment option just became available and I was told the interview will be scheduled after payment. The thing is, I'm currently recovering from acute hepatitis and my test reports are pretty bad.

I'm wondering if Campus France ever allows online interviews in cases like this. Has anyone tried requesting one? If yes, what happened and what documents did they ask for?

Would really appreciate hearing from anyone who's been through something similar.

Why Yogesh and Akanksha posted the same story and that cannes’s ai pic? I saw they posted wondercement ads endorsed by Ranbir. Are they begging for collaboration? Are they trying to divert attention of their cheating accusations?