Personal Loan

Is It Possible To Get A Personal Loan For Studies Abroad Without A Mortgage?

Borrow
08-11-2023
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Personal loans for studies abroad are a popular form of loan to pursue your higher studies. This is especially the case with Indian students. Because of how easy it is to apply for a personal loan, many students choose this option, which is mostly done online. But for students without collateral, there are still personal loans they can apply for to finance their education. While most banks require collateral, there are some banks and other financial institutions that offer personal loans with no mortgage required. This article explores these options and how to prepare your documents to apply for these loans.

What Is A Mortgage Or Collateral? 

To know more about a personal loan for studies abroad without a mortgage, it is important to understand what a mortgage is. A mortgage is an asset that borrowers can keep as security against their loan amount. Mortgages can include a fixed deposit, real estate, gold, agricultural land and so on. Various banks in India provide an overseas study loan without a mortgage up to a certain amount. It has been shown that a personal loan with no mortgage has a higher interest rate and a shorter repayment tenure.

Types Of Personal Loans

Personal Loans With Mortgage Or Collateral

A loan with a mortgage or collateral requires the borrower to pledge assets to obtain and secure their loan. This asset can be in the form of a house, property, jewellery, insurance policies, fixed deposits and more. The mortgage is taken to protect the lender’s money and provides security if the debtor fails to pay back the loan. Often, such loans help the borrower to get a loan at a cheaper interest rate. It should be noted that collateral security is not required for personal loans up to Rs. 4 lakhs. Only when the loan exceeds a certain amount will security and a guarantor be required, and this amount is established by the lender.

Personal Loans Without Mortgage Or Collateral

A personal loan for overseas studies without collateral does not need the debtor to offer assets as security. Borrowers must provide relevant documents and meet applicable standards and eligibility criteria. These standards are set by the bank or lender and must be met to take personal loans without collateral for studying abroad.

Documents Required For A Loan With No Mortgage

The following documents must be submitted to the lender when applying for a loan with no mortgage:

  • The loan application form
  • Proof of family income (income tax returns, property proof, etc.)
  • Standardized test results
  • Transcripts of academic work
  • Aadhaar card (and/or other KYC documents)
  • Birth certificate
  • 6-month bank statements
  • PAN card
  • Acceptance letter from the university or institution
  • Declaratory statement

Eligibility Criteria For A Loan With No Mortgage

A personal loan without a mortgage for studies overseas requires applicants to satisfy the following criteria:

  • A minimum of 60% in high school is needed to ensure employability
  • Income of a financial co-applicant
  • Official documents related to the degree program in which the student desires to enrol

Application Process For A Loan With No Mortgage

This is the application process for a loan without a mortgage being offered:

  • Research the different lenders and the loans they offer and carefully go through their details including the terms and conditions.
  • Choose the best personal loan lender without a mortgage.
  • Examine all terms and conditions, such as the moratorium term, payback tenure, education loan interest rate, and so on.
  • Go to the official website of the lender you have selected. The online application option makes it easy for people to apply for a personal loan from the comfort of their homes.
  • Complete the application form.
  • Scan and submit the necessary documents.

Is It Possible To Get A Personal Loan To Study Abroad With No Mortgage?

Public banks like State Bank of India, Bank of Baroda and others provide such loans of up to Rs. 7.5 lakh. Private banks including ICICI Bank, Axis Bank, HDFC and others also offer loans to a certain limit without collateral, sometimes up to Rs. 40 lakh in some cases. Private banks have payback terms of 10 to 12 years and the interest rates are between 10 to 12%.

Other creditors that offer loans include NBFCs such as Incred and Auxilo. These NBFCs provide students with loans without collateral of up to Rs. 40 lakh as well and the interest rate ranges between 10 to 18%.

Some international lenders include Leap Finance and Prodigy Finance. They assist borrowers by providing an education loan without a mortgage. This loan can be up to 80% of the overall cost with interest rates that range from 10% to 16%.

Top Indian Banks Providing Loans With No Mortgage

HDFC Bank

  • Up to Rs. 30 lakh for domestic education 
  • Up to Rs. 45 lakh for foreign education 
  • No collateral is required for loans up to Rs. 7.5 lakh

ICICI Bank

  • Up to Rs. 50 lakh for domestic education 
  • Up to Rs. 1 crore for foreign education 
  • No collateral is required for loans up to Rs. 20 lakhs for undergraduate degrees and Rs. 40 lakhs for postgraduate degrees

Bank of India

  • Up to Rs. 10 lakh for domestic education 
  • Up to Rs. 20 lakh for foreign education 
  • No collateral is required for loans up to Rs. 7.50 lakh

HSBC

  • No collateral is required for loans up to Rs. 5 lakh

State Bank of India (SBI)

  • Up to Rs. 15 lakh for domestic education 
  • Up to Rs. 1.5 crore for foreign education 
  • No collateral is required for loans up to Rs. 7.5 lakh.

Punjab and Sind Bank

  • Up to Rs. 15 lakh for domestic education 
  • Up to Rs. 20 lakh for foreign education 
  • No collateral is required for loans up to Rs. 4 lakh

IDBI Bank

  • Up to Rs. 20 lakh for domestic education 
  • Up to Rs. 20 lakh for foreign education 
  • No collateral is required for loans up to Rs. 4 lakh

Conclusion

For students who want to study abroad but lack the finances, securing a loan is one of the most important aspects of their education plans. For the many students who require a loan but do not have any assets to offer as collateral, multiple lenders will provide a loan without any collateral. If the student meets the eligibility criteria, they can apply for a loan and improve their chances by preparing their documentation well and researching all their options. For more articles like this, visit the Piramal Finance website to read more about getting personal loans with no mortgage.

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The Ultimate Guide to CIBIL Score for Home Loans: From 750+ to Loan Approval

Your CIBIL score is an important factor in determining your current credit score and determining if you are eligible for future loans. So, what is it, and how do you calculate it? It is really important to maintain a high CIBIL score (at least 700). Think of it as your financial report card; a higher score implies more people want to give you loans. Fun fact: taking loans and repaying them on time is, in fact, an important way to improve your CIBIL score! Table of Contents What is the CIBIL Score for a Home Loan? Why Do You Need a Good CIBIL Score? How is the CIBIL Score Calculated? How to Maintain and Improve a Credit Score for a Loan How Long Does It Take to Improve Your Score? Common Mistakes to Avoid Final Thoughts Frequently Asked Questions Key Takeaways ● CIBIL score for home loan is a three-digit number that tells banks how safely you handle money. Scores range from 300 to 900. ● The minimum CIBIL for a housing loan is usually 650, but banks prefer 700 or 750+ for easy approval and low rates. ● You can improve your credit score for a loan by paying bills on time, reducing debt, and keeping old accounts open. ● It usually takes 6-12 months of disciplined effort to increase your score. What is the CIBIL Score for a Home Loan? A CIBIL score is a credit score that shows your financial behaviour. It’s like a report card for your money habits, ranging from 300 to 900. CIBIL score for a home loan is crucial when banks are deciding whether to approve your loan or not. Think of it like a report card, like below: ● 300-549: Very bad (like failing in school) ● 550-649: Not good (like getting poor marks) ● 650-699: Okay (like average marks) ● 700-749: Good (like good marks) ● 750-900: Excellent (like being a topper!) If you have a score of 750 or above, most lenders see you as trustworthy and offer better interest rates and easier approval. Scores between 650 and 749 are considered “good,” but may come with stricter conditions or higher interest rates. Below 600, getting a loan becomes very difficult, and you need to work on your score first. Why Do You Need a Good CIBIL Score? Your score affects your chance of getting approved, how much you can borrow, and what interest rate you’ll get. Imagine if you and a friend both apply for a home loan: if you have a higher score, banks trust you more, give you faster approval, and offer better deals. That’s why the minimum CIBIL score for a housing loan is important. A higher score can save you money and make the loan process smooth and stress-free. How is the CIBIL score calculated? Your score is like a recipe with different ingredients: What They Look At How Much It Matters Paying bills on time 35% (Most important!) How much credit you use 30% How long you had credit 15% Types of loans you have 10% New loan applications 10% Think of it like this: ● Payment history: If you always pay your phone bill, electricity bill, and loan payments on time, you get good marks ● Credit usage: If you have a credit card with a ₹10,000 limit, try to use only ₹3,000. Using too much looks bad ● Credit age: Keeping old accounts open is like showing you've been responsible for a long time ● Credit mix: Having different types (credit card + loan) shows you can handle different things How to Maintain and Improve Credit Score for a Loan Here are simple credit score tips that anyone can follow: Pay Everything On Time ● Set reminders on your phone for all bill due dates ● Pay at least 2-3 days before the due date ● Never miss any payment, even small ones Don't Use Too Much Credit ● If your credit card limit is ₹10,000, use only ₹3,000 or less ● Pay off your credit card completely every month Don't Apply for Too Many Loans ● Every time you apply for a loan, your score goes down a little ● Wait at least 6 months between applications Keep Old Accounts Open ● Don't close your first credit card ● Old accounts show you've been responsible for a long time Check Your Report ● Get your free credit report once a year ● If you see mistakes, complain and get them fixed Pay Off Old Debts ● If you owe money to anyone, pay it back ● Even small unpaid bills can hurt your score How Long Does It Take to Improve Your Score? Just like losing weight or building muscles, improving your CIBIL score for a home loan takes time and patience: ● 3 months: You might see small improvements if you pay everything on time ● 6 months: You'll see good changes if you follow all the rules ● 12 months: Your score can improve significantly with consistent good habits Don't expect magic overnight. Think of it like growing a plant. You water it every day, and slowly it grows bigger and stronger. Final Thoughts Getting your dream home starts with taking care of your CIBIL score for a home loan. Think of your score as a friendship with banks. The better friend you are (by paying on time and being responsible), the more they'll want to help you. Start with small steps. Pay your phone bill on time. Don't use your entire credit card limit. Check your score every few months. These simple credit score tips will help you build a strong score that opens doors to your dream home. Remember, every responsible person started somewhere. With patience and good habits, your minimum CIBIL for housing loan goals is totally achievable. Frequently Asked Questions 1. What is the minimum CIBIL for a housing loan?Most banks want at least 650, but 750+ makes everything much easier and cheaper. 2. How can I check my CIBIL score?Go to the CIBIL website or your bank's website. You can check once a year for free. 3. Can I get a home loan if my score is below 650?It's very hard, but some banks might say yes if you earn a lot or have someone to guarantee for you. 4. How often does my score change?Usually, every month, when banks send your payment information to CIBIL. 5. What's the fastest way to improve a credit score for a loan?Pay all bills on time, use less credit, and don't apply for new loans frequently. 6. Does checking my own score make it worse?No! Only when banks check it for loan applications, it might go down slightly. 7. What if I have no credit history at all?Some banks give "starter" loans, or you can get a credit card first to build history. 8. Will paying off loans early help my score?Yes! It shows you're responsible and can manage money well.
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Switzerland Trip Cost from India – Full Budget Guide

Switzerland, often called the “Paradise of Europe,” is famous for its snow-covered Alps, crystal-clear lakes, scenic train journeys, and charming towns. Whether you’re visiting for a romantic honeymoon or an adventurous vacation, knowing the Switzerland trip cost from India will help you plan your dream holiday better. India to Switzerland Flight Ticket Price Flights make up a major portion of your total trip cost. There are several one-stop flights from India to Zurich or Geneva via Dubai, Doha, or Istanbul. Round-trip airfare from India to Switzerland: ₹45,000 to ₹75,000 per person Premium airlines or peak season fares: ₹80,000 to ₹1,10,000 Booking 2–3 months in advance can help you find better deals Airlines such as Emirates, Qatar Airways, Lufthansa, and Swiss Air operate regular flights connecting major Indian cities like Delhi, Mumbai, and Bangalore to Switzerland. Visa and Travel Insurance Since Switzerland is part of the Schengen region, Indian travellers need a Schengen visa. Visa fee: Around ₹7,000 per person Travel insurance: ₹1,000 to ₹2,000 per person depending on duration Accommodation Costs in Switzerland Switzerland offers a wide range of accommodations, from budget hostels to luxury mountain resorts. Budget stays: ₹4,000 to ₹6,000 per night Mid-range hotels: ₹8,000 to ₹12,000 per night Luxury resorts: ₹18,000 to ₹25,000 per night Staying in smaller towns like Lucerne or Interlaken instead of Zurich can help reduce your expenses while keeping you close to key attractions. Food and Dining Expenses Switzerland’s food is as rich as its culture, with influences from France, Germany, and Italy. Street food and snacks: ₹800 to ₹1,200 per meal Mid-range restaurants: ₹2,000 to ₹3,000 per person Fine dining: ₹4,000+ per person For budget travellers, buying groceries and cooking simple meals can save a considerable amount, especially during long stays. Local Transport Costs Switzerland has one of the best public transportation systems in the world. Trains, buses, and boats are punctual and well-connected. Metro and buses: ₹300 to ₹500 per ride Swiss Travel Pass (unlimited train and bus travel): ₹20,000 to ₹35,000 for 8–15 days Car rentals: ₹5,000 to ₹8,000 per day (excluding fuel) If you plan to visit multiple cities, the Swiss Travel Pass is the most economical choice. Sightseeing and Activities Switzerland is packed with scenic attractions and adventure experiences. Cable car rides (Mount Titlis, Jungfraujoch): ₹6,000 to ₹10,000 per person Lake cruises and local tours: ₹2,000 to ₹5,000 per person Museum entries and heritage sites: ₹800 to ₹1,500 per person Free attractions like hiking trails, viewpoints, and lakeside walks are great options to balance your expenses. Switzerland Trip Cost for Couples and Families For a 7 to 10-day trip, here’s a general estimate of the total cost: Budget trip: ₹1.3 lakh to ₹1.8 lakh per person Mid-range trip: ₹2 lakh to ₹2.8 lakh per person Luxury trip: ₹3 lakh+ per person These costs include flights, accommodation, meals, local transport, and sightseeing. Can a Travel Loan Help? A vacation in Switzerland can be expensive, but it’s also a once-in-a-lifetime experience. If you want to explore this stunning country without financial worry, a travel loan can help. It allows you to book flights, hotels, and tours now and repay the cost gradually through affordable EMIs. Final Thoughts The Switzerland trip cost from India varies depending on how you travel and stay, typically ranging between ₹1.3 lakh and ₹2.8 lakh per person. From the snowy peaks of the Alps to the peaceful lakes of Lucerne, every corner of Switzerland promises a postcard-perfect view. With careful planning and a well-managed budget, you can make your European dream vacation come true.
14-10-2025
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Spain Trip Cost from India: A Complete Travel Budget Guide

Spain, one of Europe’s most vibrant and culturally rich destinations, offers everything from sunny beaches and architectural marvels to flamenco shows and delicious food. Cities like Madrid, Barcelona, Seville, and Granada combine history, art, and modern energy, making Spain a dream vacation spot for Indian travellers. If you are planning to visit, here’s a complete guide to the Spain trip cost from India. India to Spain Flight Ticket Price Flights are one of the biggest parts of your Spain travel budget. Round-trip airfare from India to Spain (Delhi or Mumbai to Madrid or Barcelona): ₹45,000 to ₹70,000 per person Premium airlines may cost ₹80,000 to ₹1,00,000 during peak seasons Booking 2 to 3 months in advance and checking connecting flights can save money Major airlines like Lufthansa, Emirates, Qatar Airways, and Air France offer frequent connections from India to Spain. Accommodation Costs in Spain Spain has options for every traveller, from backpackers to luxury seekers. Budget hostels and guesthouses: ₹2,000 to ₹4,000 per night Mid-range hotels: ₹6,000 to ₹10,000 per night Luxury hotels and resorts: ₹12,000 to ₹20,000 per night Staying in smaller towns or using Airbnb can help you save on accommodation, especially during summer. Food and Dining Expenses Spain is famous for its food culture, from tapas and churros to paella and sangria. Street food and local cafes: ₹600 to ₹1,000 per meal Mid-range restaurants: ₹1,500 to ₹2,500 per person Fine dining experiences: ₹4,000+ per person A daily food budget of ₹2,000 to ₹3,000 per person is comfortable for most travellers. Local Transport in Spain Spain has one of the best transportation systems in Europe. Metro and local buses: ₹250 to ₹500 per ride City travel passes: ₹1,000 to ₹1,500 per day Intercity trains (Madrid to Barcelona): ₹4,000 to ₹7,000 per person Car rentals: ₹5,000 to ₹7,000 per day You can also take high-speed trains like AVE for faster travel between cities. Sightseeing and Activities Spain offers something for everyone, from beaches to architecture and history. Sagrada Familia entry (Barcelona): ₹2,000 to ₹2,500 per person Prado Museum (Madrid): ₹1,500 per person Alhambra Palace (Granada): ₹2,000 per person Flamenco show: ₹1,500 to ₹3,000 per person Beach activities and day tours: ₹2,000 to ₹4,000 per person Spain Trip Cost for Couples and Families For a 7 to 10 day trip, here’s an approximate cost: Budget trip: ₹1.3 lakh to ₹1.6 lakh per person Mid-range trip: ₹1.8 lakh to ₹2.3 lakh per person Luxury trip: ₹2.5 lakh+ per person This includes flights, accommodation, meals, local transport, and sightseeing. Can a Travel Loan Help? Spain is a country that offers unforgettable experiences, but it can be expensive for long stays or family trips. A travel loan can help you manage your trip expenses easily, allowing you to book flights, hotels, and tours without financial pressure. You can repay later in small, manageable EMIs while enjoying your dream European holiday. Final Thoughts A trip to Spain from India can cost between ₹1.3 lakh and ₹2.5 lakh per person, depending on your travel preferences. With smart planning, advance bookings, and the right budgeting, your Spanish adventure can be both memorable and affordable. From the beaches of Barcelona to the royal palaces of Madrid, Spain is a destination worth every rupee.
14-10-2025
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Shimla Trip Cost 2025 – A Complete Travel Guide

Shimla, the capital of Himachal Pradesh, is one of India’s most loved hill stations. With its snow-covered hills, colonial charm, toy train rides, and lively Mall Road, Shimla attracts travellers from all over the country. Whether you are planning a quick weekend getaway or a family vacation, understanding the Shimla trip cost can help you plan your journey better. Travel Cost to Shimla By Flight The nearest airport to Shimla is Jubbarhatti Airport, located about 22 km away, but only limited flights operate here. Most travellers prefer flying to Chandigarh Airport, which is about 120 km from Shimla. Delhi to Chandigarh flights: ₹3,000 to ₹6,000 (round trip) Taxi from Chandigarh to Shimla: ₹3,000 to ₹4,000 Shared cabs and buses: ₹800 to ₹1,200 per person By Train The Kalka–Shimla toy train is a UNESCO World Heritage route and a favourite among tourists. Delhi to Kalka (train): ₹400 to ₹1,200 Kalka to Shimla (toy train): ₹500 to ₹1,000 per person Duration: Around 5 to 6 hours with scenic mountain views By Road Shimla is around 340 km from Delhi. Volvo/AC bus: ₹800 to ₹1,500 per person Private cab: ₹6,000 to ₹8,000 (one-way) Self-drive: Around ₹3,000 to ₹4,000 for fuel Accommodation Costs in Shimla Shimla offers stays for every kind of traveller. Budget hotels and homestays: ₹1,500 to ₹2,500 per night Mid-range hotels: ₹3,500 to ₹6,000 per night Luxury resorts: ₹8,000 to ₹15,000+ per night Staying near Mall Road or The Ridge is convenient but can be slightly more expensive than properties on the outskirts. Food and Dining Expenses Shimla offers a mix of local Himachali dishes, North Indian meals, and café-style food. Street food and local dhabas: ₹200 to ₹400 per meal Mid-range restaurants and cafes: ₹600 to ₹1,200 per person Fine dining or hotel meals: ₹1,500 to ₹2,500 per person A daily food budget of ₹800 to ₹1,500 per person is ideal for most travellers. Sightseeing and Local Transport You can explore Shimla’s attractions using local taxis, rented bikes, or walking tours. Local taxi for a day: ₹2,000 to ₹3,000 Toy train rides within town: ₹100 to ₹300 Entry fees for attractions: ₹20 to ₹200 Popular Attractions in Shimla The Ridge and Mall Road Jakhoo Temple Kufri (snow point) Christ Church Green Valley Himalayan Bird Park Shimla Trip Cost for Couples and Families Here’s an estimated budget for a 3 to 4 days trip: Budget trip: ₹12,000 to ₹18,000 for two people Mid-range trip: ₹25,000 to ₹35,000 for two people Luxury trip: ₹45,000+ for two people This includes travel, stay, food, and local sightseeing. Can a Travel Loan Help? If you’re planning a longer vacation or want to enjoy a premium stay, a travel loan can make your journey easier. It allows you to cover flight bookings, accommodation, and sightseeing costs while repaying comfortably in EMIs later. Final Thoughts The Shimla trip cost varies depending on your travel style and preferences, ranging from ₹6,000 per person for budget travellers to ₹25,000 or more for luxury vacations. With beautiful landscapes, pleasant weather, and easy accessibility, Shimla is an ideal destination for families, couples, and solo travellers. Plan ahead, book early, and enjoy the perfect hill station getaway without worrying about expenses.
14-10-2025
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Pondicherry Trip Cost – A Complete Travel Budget Guide

Pondicherry, or Puducherry, is a charming coastal town on India’s southeast coast that beautifully blends French heritage with South Indian culture. With its peaceful beaches, colourful streets, spiritual retreats, and delicious food, it is one of India’s most loved weekend getaways. If you’re planning a vacation, understanding the Pondicherry trip cost will help you plan your travel smartly. Travel Cost to Pondicherry By Flight Pondicherry has a small airport with limited connectivity. The best option is to fly to Chennai International Airport, about 150 km away, and then travel by road. Delhi to Chennai flights: ₹5,000 to ₹9,000 (round trip) Mumbai to Chennai flights: ₹6,000 to ₹10,000 (round trip) Taxi or bus from Chennai to Pondicherry: ₹500 to ₹2,500 depending on the mode By Train Pondicherry is connected by train to major cities like Chennai, Bangalore, and Delhi. Chennai to Pondicherry train: ₹250 to ₹600 per person Bangalore to Pondicherry train: ₹500 to ₹1,200 per person By Road Pondicherry is easily accessible by road, and the East Coast Road (ECR) is one of India’s most scenic routes. Chennai to Pondicherry (150 km): ₹800 to ₹1,500 by bus or ₹3,000 to ₹4,000 by taxi Bangalore to Pondicherry (310 km): ₹1,200 to ₹2,000 by bus or ₹6,000 to ₹8,000 by cab Accommodation Costs in Pondicherry Pondicherry offers a mix of heritage guesthouses, beachfront resorts, and boutique hotels. Budget hotels and hostels: ₹1,200 to ₹2,000 per night Mid-range hotels: ₹3,000 to ₹6,000 per night Luxury resorts: ₹8,000 to ₹15,000 per night Staying near White Town or Promenade Beach gives you easy access to attractions but may cost slightly more. Food and Dining Expenses Pondicherry’s food scene reflects its French influence mixed with South Indian flavours. Street food and local cafes: ₹300 to ₹500 per meal Mid-range restaurants: ₹800 to ₹1,500 per person Fine dining and beachside restaurants: ₹2,000+ per person A daily food budget of ₹1,000 to ₹1,800 per person is ideal for a comfortable trip. Sightseeing and Local Transport Getting around Pondicherry is easy with rented scooters, bicycles, or auto-rickshaws. Scooter rentals: ₹400 to ₹600 per day Auto rides within city: ₹100 to ₹300 per trip Entry fees for attractions: ₹20 to ₹100 per person Top Attractions in Pondicherry Promenade Beach Auroville and Matrimandir Paradise Beach French Quarter (White Town) Aurobindo Ashram Serenity Beach Pondicherry Trip Cost for Couples and Families Here’s an estimated budget for a 3 to 4 days trip: Budget trip: ₹12,000 to ₹18,000 for two people Mid-range trip: ₹25,000 to ₹35,000 for two people Luxury trip: ₹45,000+ for two people This includes travel, stay, food, local transport, and sightseeing. Can a Travel Loan Help? If you’re planning a longer stay or a luxury vacation, managing expenses upfront can be challenging. A travel loan can make your Pondicherry trip hassle-free by covering flights, stays, and sightseeing costs while you repay conveniently through EMIs. Final Thoughts The Pondicherry trip cost largely depends on how you travel and where you stay, ranging from ₹6,000 per person for a budget holiday to ₹25,000 or more for a luxury vacation. With its calm beaches, French cafés, and colourful streets, Pondicherry offers the perfect escape for every kind of traveller. Plan ahead, book early, and enjoy a peaceful getaway by the sea.
14-10-2025
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Kedarnath Trip Package – Cost and Travel Itinerary

Kedarnath, one of the holiest pilgrimage sites in India, is nestled in the majestic Himalayas of Uttarakhand. Dedicated to Lord Shiva, the Kedarnath Temple is part of the Char Dham Yatra and attracts lakhs of devotees every year. The journey to this sacred shrine is both spiritual and scenic, making it a dream for those seeking peace and devotion. If you’re planning your visit, understanding the Kedarnath trip package details, cost, and travel options can help you plan your yatra efficiently. Travel Options to Kedarnath There are several routes and modes to reach Kedarnath, depending on your convenience and budget. By Air The nearest airport is Jolly Grant Airport in Dehradun, about 240 km from Gaurikund (the base point for Kedarnath). Delhi to Dehradun flight: ₹3,000 to ₹6,000 (round trip) Taxi from Dehradun to Gaurikund: ₹6,000 to ₹8,000 per vehicle Helicopter services are also available from Phata, Guptkashi, and Sirsi to Kedarnath for those who want to skip the trek. Helicopter tickets cost between ₹5,000 and ₹8,000 per person (round trip). By Train The nearest railway station is Rishikesh, located around 210 km from Gaurikund. Delhi to Rishikesh train: ₹400 to ₹1,000 per person Cab or bus from Rishikesh to Gaurikund: ₹1,000 to ₹2,000 per person By Road Buses and shared taxis are available from Haridwar, Rishikesh, and Dehradun to Gaurikund. The journey takes about 8 to 10 hours through beautiful mountain roads. Trekking to Kedarnath From Gaurikund, the Kedarnath trek spans about 16 kilometres. Ponies, palkis, and doli services are available for those who prefer not to walk. Pony ride: ₹3,000 to ₹4,500 per person Doli: ₹5,000 to ₹7,000 per person Porter: ₹1,000 to ₹2,000 The trek offers stunning views of snow-capped peaks and alpine forests, making it a spiritual as well as adventurous experience. Kedarnath Trip Package Cost Package prices vary based on departure city, duration, and inclusions such as meals, hotels, and transport. Budget Package: ₹9,000 to ₹15,000 per person (shared transport, basic stays, group tour) Mid-Range Package: ₹20,000 to ₹30,000 per person (comfortable hotels, meals, guide) Luxury Package: ₹35,000 to ₹50,000 per person (private cab, premium stays, helicopter option) If you choose to include nearby sites like Badrinath, Tungnath, or Guptkashi, costs may increase slightly but offer a complete Char Dham experience. Accommodation and Food Costs Accommodation options near Kedarnath are limited but sufficient for most pilgrims. Budget guesthouses: ₹1,000 to ₹2,000 per night Mid-range hotels in Guptkashi or Sonprayag: ₹3,000 to ₹5,000 per night Luxury stays near Phata: ₹7,000 to ₹10,000 per night Meals are simple and vegetarian, with dhabas and ashrams offering thalis priced around ₹150 to ₹300 per person. Ideal Duration and Best Time to Visit The Kedarnath Temple opens in April or May and closes by October or early November before snowfall.A 4 to 5-day trip from Haridwar or Rishikesh is ideal to cover travel, stay, and darshan comfortably. How to Choose the Right Kedarnath Package Check if the package includes transport from Haridwar or Dehradun. Confirm meals, hotel quality, and local guide services. Verify inclusion of permits and temple entry arrangements. For senior citizens, helicopter-inclusive packages are highly recommended. Can a Travel Loan Help? Pilgrimage trips like Kedarnath can involve high travel and accommodation costs, especially for families. Opting for a travel loan can make it easier to manage these expenses while allowing you to repay conveniently through EMIs. Final Thoughts The Kedarnath trip package cost generally ranges between ₹9,000 and ₹30,000 per person, depending on comfort and inclusions. Whether you choose to trek or fly by helicopter, the journey to Kedarnath is an unforgettable spiritual experience. With a little planning and smart budgeting, you can make this holy yatra peaceful, memorable, and financially manageable.
14-10-2025
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