Why Indian students are choosing Prodigy Finance for their international master’s in 2026

Studying abroad continues to be a powerful ambition for thousands of Indian students every year. Whether it is the strong research ecosystem in the US, innovation hubs in Europe, or widely recognised one year master’s degrees in the UK, international education offers a platform to grow academically and professionally.

As 2026 approaches, more Indian students are exploring postgraduate programmes abroad, and many are rethinking how to finance that journey. Rising tuition costs, currency fluctuations and the complexities of traditional education loans make the funding decision as important as selecting the right university.

Prodigy Finance has emerged as a popular choice among Indian applicants pursuing international master’s degrees. Designed for globally mobile students, it offers a student-first, flexible and accessible approach to financing without relying on collateral or a traditional co-signer.

This 2,000 word guide explores why Indian students increasingly choose Prodigy Finance for their study abroad journey in 2026, what makes the model supportive, and what you should know as you plan your next steps.*

A growing trend, Indian students choosing global master’s pathways

Every year, more Indian students head overseas for postgraduate study. Multiple factors influence this trend, including strong global demand for STEM and business graduates, education systems that emphasise research, innovation and career outcomes, access to global recruiting pipelines, opportunities to build cross-cultural networks, and accelerated one year master’s programmes in Europe and the UK.

For many students, studying abroad is not only about academic growth. It is about shaping long term life and career opportunities. The financial barrier often remains the biggest challenge.

The challenge with traditional education loans

Indian students often seek loans from domestic banks or NBFCs. These options usually come with strict requirements such as collateral (often property), a co-signer with high and stable income, extensive paperwork, branch visits, slow processing timelines and limited support for some universities or programmes abroad.

For students from middle income households or those living in rented homes, securing collateral can be difficult. Many working professionals also lack a local co-signer if they have lived abroad or moved cities. As international tuition fees rise and the rupee fluctuates, these requirements become more restrictive. This is where Prodigy Finance offers an alternative.

Why Prodigy Finance is becoming a preferred choice for Indian students

Prodigy Finance’s lending model is designed for international master’s students, including those from India. The model does not rely on collateral and focuses on future earning potential.*

Here is what makes it stand out.

1. No collateral required

This is one of the biggest differentiators for Indian students. Many applicants struggle to provide property based collateral, especially if their families do not own property in their city of residence, their parents are retired or financially dependent, or their family prefers not to pledge assets.

Prodigy Finance removes that barrier entirely, giving students the chance to pursue master’s degrees abroad without putting family assets at risk.*

2. A future focused lending model that aligns with postgraduate outcomes

Instead of evaluating collateral or local credit history, Prodigy Finance uses a forward looking approach. Your loan assessment considers your chosen school, your programme, your academic and professional background and your future earning potential.*

Indian students applying for STEM, business, finance, analytics and management programmes often benefit from this model because these fields tend to have strong international career pathways.

3. Designed for globally mobile students

Many Indian applicants have worked in multiple cities or countries. Their credit history may be incomplete, their parents may not meet domestic bank requirements and they value a lender that understands international mobility.

Prodigy Finance’s model is globally aligned, making it well suited for Indian students with varied backgrounds.

4. A fast, fully online process

Traditional loan applications often require in person visits, document notarisation and property verification. Prodigy Finance’s process is entirely online. You can check your eligibility in minutes*, upload documents digitally, review a personalised loan offer and sign electronically from anywhere.

5. Students can apply independently

Most Indian applicants apply independently, which gives them greater control over their study abroad plans. Many students value the ability to secure financing based on their own profile without needing to involve family members financially.

6. Repayments begin after your grace period

Indian students often ask whether repayment begins immediately. With Prodigy Finance, repayments begin after your grace period, and your university receives the funds directly when we send the funds to your school. This gives you time to transition into your new job and living arrangements before starting repayments.

7. Tailored to STEM, MBA, MiM and analytics programmes

Indian applicants frequently pursue high demand postgraduate degrees, including MS in computer science, MS in data science, MS in engineering, master’s in analytics or AI, MBA degrees, master’s in finance or marketing and master’s in management (MiM).

Prodigy Finance’s supported programme list includes hundreds of globally recognised options across the US, the UK, Europe, Canada and more. This alignment helps ensure funding is available for degrees with strong international career pathways.

8. A global community of alumni and Indian graduates

Prodigy Finance has supported thousands of Indian students across leading global universities. Many students join alumni networks, mentorship programmes, webinars and industry events.

Indian applicants often value hearing real experiences from alumni, understanding career outcomes in their field and learning how to navigate visas, internships and cultural transitions. For students moving abroad for the first time, this sense of community helps ease the journey.

9. Footprint in 120+ countries across major education hubs

Prodigy Finance supports students across more than 120 countries, including the US, the UK, Canada, Germany, France, the Netherlands, Spain, Ireland and Singapore. This breadth allows Indian applicants to consider multiple destinations and programmes instead of being limited by domestic loan restrictions.

10. Designed for transparency and clarity

Prodigy Finance prioritises fairness, clarity and transparency in line with FinProm and marketing standards. This helps ensure your loan offer outlines the rate and terms*, you understand the full cost of borrowing and you can make financial decisions confidently.

How much can Indian students borrow?

Your available loan amount depends on your school’s cost of attendance, whether the programme allows borrowing for living costs, your future earning potential* and any scholarships or savings you have confirmed.

Prodigy Finance may offer tuition only or tuition plus living cost loans depending on the programme and your eligibility.* This helps many Indian applicants bridge gaps left by partial scholarships or financial aid.

A student first checklist, is Prodigy Finance right for you?

Ask yourself:

• Do I prefer a collateral-free loan option

• Do I want a globally accessible online application

• Am I applying for a supported international postgraduate programme

• Do I value repayment starting after a grace period

• Do I want funding aligned with my future earning potential*

If these align with your goals, Prodigy Finance may be a helpful option as you plan your study abroad journey.

Ready to explore your international master’s funding?

You can check your eligibility in minutes and see a personalised initial estimate based on your chosen school, programme and profile.*

Check your eligibility

Final thoughts

Indian students continue to reshape global classrooms, bringing ambition, resilience and academic excellence to top universities worldwide. Funding the dream should not hold you back.

Prodigy Finance offers an alternative path, built around global mobility, postgraduate potential and student first design.

If you are planning to pursue your international master’s in 2026, understanding your financing options early can help you move forward with confidence and one step closer to studying abroad.

*Loan and promotion offers are subject to our eligibility, funding, and credit assessment criteria.