Documents
Education loan document checklist
Keep these ready to speed up your sanction and disbursement. Requirements vary slightly by lender and loan type.
Identity & KYC
- PAN card (applicant & co-applicant)
- Aadhaar card
- Passport (mandatory for study abroad)
- Passport-size photographs
Academic
- Class 10 & 12 mark sheets
- Degree / semester mark sheets
- Entrance / test scores (JEE, NEET, GRE, GMAT, IELTS)
- Admission or offer letter
Income (co-applicant)
- Latest salary slips (3 months)
- Form 16 / ITR (2 years)
- Bank statements (6 months)
- Business proof (for self-employed)
Course & cost
- Fee structure from the institution
- Cost of attendance (study abroad)
- Scholarship letters (if any)
Collateral (secured loans)
- Property title deed & valuation
- Fixed deposit receipts
- Insurance documents
- Approved building plan
FAQs
Document FAQs
What documents are mandatory for a study abroad loan?
At minimum: a valid passport, admission/offer letter, academic transcripts and test scores, KYC of applicant and co-applicant, and the co-applicant's income proof.
Do I need collateral documents for every loan?
Only for secured loans. Collateral-free (unsecured) loans up to the lender's limit don't require property or FD documents, but do rely on a strong co-applicant profile.
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