Education Loan for BDS in India
*T&C Apply. Deduction under Section 129 of the Income Tax Act, 2025 (erstwhile Section 80E of the Income Tax Act, 1961) is available only under the old tax regime and shall not be applicable if the taxpayer opts for the new tax regime. Customers are advised to consult their tax advisors for applicability.
The Bachelor of Dental Surgery (BDS) is a 4-year undergraduate programme followed by a mandatory one-year paid rotating internship, regulated by the Dental Council of India, a statutory body established under The Dentists Act, 1948. As of March 2026, the Dental Council of India has been succeeded by the National Dental Commission. Admission to BDS programmes across India is through NEET UG scores, with seat allocation carried out through state and central counselling processes. The cost of a BDS degree varies considerably between government and private dental colleges, and an education loan can help make this career path financially manageable.
Why Pursue a BDS Degree in India?
- Structured Regulatory Framework: All BDS programmes in India are regulated by the National Dental Commission (formerly Dental Council of India), which sets minimum standards for curriculum, faculty, and infrastructure across all approved dental colleges.
- Merit-Based Admission: Admission to BDS is through NEET UG scores, conducted by the National Testing Agency (NTA), ensuring a standardised entry process across government and private institutions.
- Government Dental Colleges: Government dental colleges and institutions under central and state health departments generally offer BDS at significantly lower fee levels, with seats allocated through state and central counselling.
- Private and Deemed Universities: Private dental colleges and deemed universities offer BDS programmes with fee structures set by the respective Fee Regulatory Authority (FRA) of the state or by the institution, subject to applicable regulations.
- Clinical Training Included: The BDS curriculum incorporates clinical postings from the second year onwards, providing hands-on patient care experience as part of the degree structure.
- Pathway to Specialisation: After completing BDS and the mandatory internship, graduates are eligible to appear for NEET MDS for admission to the 3-year Master of Dental Surgery (MDS) programme across various specialisations.
BDS Programme Structure
| Year | Focus Area |
|---|---|
| 1st Year BDS | Pre-clinical sciences: Anatomy, Physiology, Biochemistry, Dental Anatomy |
| 2nd Year BDS | Para-clinical: Pathology, Microbiology, Pharmacology, Dental Materials |
| 3rd Year BDS | Clinical subjects: Conservative Dentistry, Oral Medicine, Oral Surgery beginnings |
| 4th Year BDS | Advanced clinical training across all departments |
| Internship (1 Year) | Compulsory paid rotating clinical internship in all dental departments |
Source: https://dciindia.gov.in/
List of Colleges Offering BDS in India and Approximate Fee Structures
| College | Type | Approx. Annual/Total Tuition Fee (₹) |
|---|---|---|
| Mahatma Gandhi Postgraduate Institute of Dental Sciences (MGPGIDS), Puducherry | Government (UT of Puducherry) | ₹96,910 approx. for Puducherry UT candidates and ₹1,26,910 approx. for All India Quota candidates, including admission fees, tuition fees, laboratory, library, student welfare, sports, and refundable caution deposit charges. |
| Government Dental College and Hospital, Mumbai | Government (State of Maharashtra) | ₹1,25,500 approx. for Open Category and All India students; ₹68,300 approx. for EWS category students; and ₹11,100 approx. for Maharashtra State reserved category students (SC/ST/OBC/SBC/VJNT) and eligible Girls EWS/EBC students, including tuition, library, and other institutional charges. |
| Manipal College of Dental Sciences (MCODS), Manipal | Private Deemed University | ₹22,22,000 total for full course (2025-26 batch, General category) |
| D.Y. Patil Dental School, Pune | Private (Dr. D.Y. Patil Vidyapeeth) | ₹6,50,000 per annum (All India Merit category, 2025-26) |
Disclaimer: Fee figures are sourced from official institution documents and government counselling authority notices. Respective state Fee Regulatory Authorities regulate government college fees and are subject to revision. Private college fees vary by quota (Government/Management/NRI). Please verify current fees directly with the institution or relevant state counselling authority before making any financial decisions.
Sources for verification:
- MGPGIDS Puducherry (Government of Puducherry):
https://mgpgi.py.gov.in/sites/default/files/bds-fees25-26.pdf - Government Dental College and Hospital, Mumbai:
https://gdcmumbai.edu.in/wp-content/uploads/2025/07/DOC-20250716-WA0005.pdf - Manipal College of Dental Sciences (MCODS), Manipal:
https://www.manipal.edu/mu/admission/fees.html - D.Y. Patil Dental School, Pune – BDS Fee Structure 2025-26 (official document):
https://dental.dpu.edu.in/documents/BDS-Fee-Structure-2025-26.pdf
Types of Education Loans for BDS Students
Broadly, there are two main types of education loans:
- Secured Education Loan: A secured education loan is backed by collateral, such as residential property, fixed deposits, or insurance policies. This collateral will serve as a guarantee for the lender in case the borrower defaults.
- Unsecured Education Loan: An unsecured education loan is a type of student loan that does not require any collateral or security. Approval is based on the borrower’s financial profile.
Eligibility Criteria for an Education Loan
To qualify for a student loan, here are the eligibility criteria:
- Applicant Age: 16 years or above
- Co-Applicant: Generally required can be a parent, spouse, or guardian
- Eligible Students: Those enrolling in bachelor’s or master’s programmes
- Approved Courses: Academic or professional programmes (MBA, MS, MBBS, etc.)
- Recognised Institutions: Universities and colleges accredited in India
Documents Required for an Education Loan for BDS
To apply for an education loan, here’s a checklist of documents you’ll need. Requirements vary slightly based on your co-applicant’s income type.
| Document Type | Details |
|---|---|
| A. Application Form | Completed original or digital loan application form |
| B. KYC Documents | PAN Card or Form 60 (mandatory if PAN is mentioned) ONE valid ID & address proof: Passport / Driving License / Voter ID / Aadhaar / NREGA Job Card / NPR Letter |
| C. Student Education Documents | 12th Marksheet (not needed for UG applicants in 12th or Exec PG) Latest semester/year marksheet or transcript Admission proof (Admission Letter) |
| D. Co-Applicant Financials | |
| → Salaried | Last 6 months salary account bank statements 1 recent salary slip/certificate |
| → Self-Employed (Non-Proprietor) | Last 6 months Current & Savings A/c bank statements Last 2 years ITRs (online acceptable) 44AD: income statement only Tax audit: CA attestation required Optional: Qualification proof, GST/Shop Act/Aadhaar Udyog |
| → Proprietor | Last 6 months Current & Savings A/c bank statements Last 2 years ITRs 44AD: income statement only Tax audit: CA-audited financials (P&L, BS, Computation, Schedules) |
| → No Income | Last 6 months Savings A/c bank statements |
| → Pensioner | Last 6 months Savings A/c with pension credits OR Pension Order |
| E. Collateral Documents (if applicable) | Latest sale deed Property tax receipt Approved building plan or Occupation Certificate |
Interest Rates on Education Loans for Studying BDS
Get the funds you need for your education with competitive interest rates and zero prepayment or foreclosure charges!
| Feature | Details |
|---|---|
| Interest Rate (Floating) | 9.95%* p.a. onwards |
| Origination Fee | 1.25%* + GST |
| Prepayment & Foreclosure Charges | None |
How to Apply for an Education Loan to Study BDS
Follow this 3-step process
A simple and transparent journey.
1- Apply Online
Fill out the application form and upload documents.
2- Application Review
Get your sanction letter after our credit appraisal.
3- Funds Disbursed
You are all set to get started.
Expenses Covered Under Student Loan for BDS
When you take an education loan for studying BDS, the following expenses are typically covered:
- Tuition fees and academic charges
- Hostel or on-campus/off-campus accommodation
- Cost of living (food, transport, utilities, etc.)
- Books, lab supplies, and other learning materials
- Laptop or computer (if required for coursework)
- Examination and library fees
- Other education-related expenses as approved by the Credila
Repayment Options for a BDS Degree Loan
Repayment for BDS education loans is designed to be student-friendly and flexible:
- EMI-Based Repayment: Start paying in EMIs after the moratorium ends.
- Part-Payment Option: Make partial payments during the course to reduce the total interest.
- Flexible Tenure: Repayment tenure of up to 15 years based on your profile.
- No Prepayment Penalty: You can repay early without any additional charges.
Why Avail Credila’s Education Loan to Study BDS ?
Save time. Go online.
Customer-centric processes with just 3 steps to disbursement.
We cover it all
Up to 100% financing of tuition and living expenses.
Start early. Apply before admission.
Benefit from seamless loan sanctions.
Friendly rates. All the way.
Student loans with customised interest rates.
Dream big. Achieve bigger.
Exploring funding for larger education costs? Not a problem.
Pan-India network of branches
Enjoy multi-city co-borrower(s) and collateral flexibility.
The benefit of tax saving
Added tax deductions# that bring down your cost of financing
Flexible payment plans
Repayment tenure of up to 15 years.
No hidden charges
What you see is what you pay.
Disclaimer: Deduction under Section 129 of the Income Tax Act, 2025 (erstwhile Section 80E of the Income Tax Act, 1961) is available only under the old tax regime and shall not be applicable if the taxpayer opts for the new tax regime. Customers are advised to consult their tax advisors for applicability.
#Under the old tax regime. Please consult your Chartered Accountant or Tax Advisor for information specific to you.
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