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What- Is it better to save, then travel, or take out a loan then travel and pay it back?

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I'm going to India one day in the near future, but was wondering if it would be better (smarter..?) to save money for 5 or 6 years, then go (I will be 22 or 23). Or to go next year and pay for it by taking out loan. I will work while I am over there, and will roughly be staying there for about 6 months to a year. The loan would need to be roughly $20,000NZD. Which would be the most efficient way of traveling?