• Application form with photograph
• KYC Documents
• Signature Proof
• Last 3 months’ payslips and Form 16
• Last 8 months’ Bank account statements

Do’s

• Make your mortgage or rent payments on time
• Stay current on all existing accounts
• Continue to work for the same employer
• Continue living at your current residence
• Keep credit card balances at or below 40% of credit limits
• Call us before doing anything regarding your employment, credit cards or assets.

Don'ts

• Don’t make a major purchase (car, boat, etc.)
• Don’t apply for new credit or loans of any kind
• Don’t change bank accounts or banks unless advised
• Don’t consolidate your debt into fewer accounts
• Don’t Deposit cash or non-traceable funds
• Don’t close credit card accounts
• Don’t borrow money

• All Indian residents.
• Minimum income of 15000 per month.
• Minimum residence stability of 1 year.
• Minimum employment stability of 1 year.
• Age minimum 21 years.

• Know Your Customer (KYC) documents are required for initiating the process. Based on the product selected, the other requirements are communicated by a company executive during a personal visit. Other than this the basic documents as per RBI guidelines are required.

Do’s

• Make your mortgage or rent payments on time
• Stay current on all existing accounts
• Continue to work for the same employer
• Continue living at your current residence
• Keep credit card balances at or below 40% of credit limits
• Call us before doing anything regarding your employment, credit cards or assets.

Don'ts

• Don’t make a major purchase (car, boat, etc.)
• Don’t apply for new credit or loans of any kind
• Don’t change bank accounts or banks unless advised
• Don’t consolidate your debt into fewer accounts
• Don’t Deposit cash or non-traceable funds
• Don’t close credit card accounts
• Don’t borrow money

Age Eligibility

• There is no specific restriction regarding the age of a student in order to be eligible for an education loan.

• Age of joint applicant / co-borrower / guarantor should be minimum 21 years at the time of loan origination and maximum age at the time of loan maturity can be 70 years.

• If the student was a minor while the joint applicant / co-borrower / guarantor executed the document for the loan, the bank will obtain a letter of ratification from him/ her upon attaining majority.

Student Eligibility

• The student should be an Indian National
• The student shall have secured the admission in India or abroad through an entrance test or through merit based selection process

Eligible Courses

In India-

• Post-Graduation Courses: Master’s and Ph.D. from accredited institutions.

• Professional Courses: Engineering, Medical, Agriculture, Veterinary, Law, Dental, Management and Computer Sciences.

• Other professional courses such as CA, ICWA, CS, and CFA.

• Masters and Diploma Management Programs.

• Other courses leading to degree/diploma conducted by colleges/universities approved by UGC / Govt. / AICTE / AIBMS / ICMR, etc.

• Regular Degree/Diploma course like aeronautical, pilot training, shipping, nursing or any other discipline approved by Directory General of Civil Aviation / Shipping / Indian Nursing Council or any other regulatory body as the case may be, if the course is pursued in India.

• Any other course as shall be declared from time-to-time.

Studies abroad-

• Graduation: Reputed universities.

• Post-graduation: MCA, MBA, MS and other courses as shall be declared from time-to-time.

• Other courses such as CIMA - London, CPA in USA, CFA, CISA, and other approved courses as shall be declared.

• Degree/Diploma course like aeronautical, pilot training, shipping, etc. provided these are recognised by competent regulatory bodies abroad for the purpose of employment in India/abroad.

Do’s

• Make your mortgage or rent payments on time
• Stay current on all existing accounts
• Continue to work for the same employer
• Continue living at your current residence
• Keep credit card balances at or below 40% of credit limits
• Call us before doing anything regarding your employment, credit cards or assets.

Don'ts

• Don’t make a major purchase (car, boat, etc.)
• Don’t apply for new credit or loans of any kind
• Don’t change bank accounts or banks unless advised
• Don’t consolidate your debt into fewer accounts
• Don’t Deposit cash or non-traceable funds
• Don’t close credit card accounts
• Don’t borrow money

For self-employed professionals:

• Minimum annual income should be Rs. 1.44 lakh as per the P&L.
• Minimum 21 years of age.
• Maximum 65 years of age at the time of loan maturity.
• Firm/company should have been in operation for the last 3 years.
• Firm/company should be making cash profits for the last two years.

For self-employed non-professionals:

• Minimum annual income should be Rs. 1.44 lakh as per the P&L.
• Minimum 21 years of age.
• Maximum 65 years of age at the time of loan maturity.
• Firm/company should have been in operation for the last 3 years.
• Firm/company should be making cash profits for the last two years

• Completed application
• Income documents and bank statement
• Address and age proof

Do’s

• Make your mortgage or rent payments on time
• Stay current on all existing accounts
• Continue to work for the same employer
• Continue living at your current residence
• Keep credit card balances at or below 40% of credit limits
• Call us before doing anything regarding your employment, credit cards or assets.

Don'ts

• Don’t make a major purchase (car, boat, etc.)
• Don’t apply for new credit or loans of any kind
• Don’t change bank accounts or banks unless advised
• Don’t consolidate your debt into fewer accounts
• Don’t Deposit cash or non-traceable funds
• Don’t close credit card accounts
• Don’t borrow money