Firstly, to get a good education loan at better terms, you should have secured the admission from an accredited college you wish to study. Banks prefer applications of candidates who have obtained admission from a reputed premier education institution. 

Getting an education loan without a margin is possible if the loan amount only up to Rs. 4 Lakhs. If the loan amount is above such limit, most of the banks demand a margin to get the loan. However, there are lenders who offer the entire loan amount without any margin if the institution you have got an admission is listed by the bank.