Document checklist
Education Loan Documents List for Abroad Studies
Missing or mismatched documents cause most loan delays. Here's the full checklist lenders use, for the student, the co-applicant and any collateral, so you can prepare everything in one go.
- Student KYC and academics
- Co-applicant income proof
- Collateral papers
- Admission and cost sheet
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Quick answer
Education Loan Documents List for Abroad Studies
You need: the student's KYC (PAN, Aadhaar, passport), academic records and test scores, admission letter and cost sheet; the co-applicant's KYC, income proof (salary slips and Form 16, or 2–3 years of ITRs) and 6 months' bank statements; and for secured loans, property title deeds, approved plan, tax receipts and an encumbrance certificate.
- PAN card, Aadhaar card and passport
- Class 10 and 12 marksheets; degree marksheets and certificates
- Test scores: GRE/GMAT, IELTS/TOEFL/PTE/Duolingo
- Admission or offer letter (conditional is fine for a pre-sanction)
- University cost sheet or I-20 / CAS showing tuition and living costs
- Passport-size photos and a signed application form
- PAN, Aadhaar and address proof
- Salaried: last 3–6 months' salary slips, latest Form 16, 6 months' salary account statement
- Self-employed: last 2–3 years' ITRs with computation of income, audited P&L and balance sheet
- Business proof: GST registration, shop licence or partnership deed
- Statement of existing loans and EMIs
- Title deed / sale deed and previous chain of title documents
- Approved building plan and occupancy certificate
- Latest property tax receipts
- Encumbrance certificate (usually 13–30 years)
- Valuation and legal opinion (arranged by the bank on your behalf)
- For fixed deposits or LIC policies: original receipts or policy documents
FAQs
Frequently asked questions
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Ask a counsellor directly — we reply on WhatsApp during working hours (Mon–Sat, 9 AM–6 PM IST).
Yes. Many lenders issue a pre-admission sanction based on your profile and shortlist, then finalise after the admit.
For unsecured loans, yes: lenders size the loan on declared income. Collateral or an additional co-applicant can help. File returns that reflect the real income in future years.
Usually self-attested copies at application, with originals shown for verification. Original property documents are deposited with the bank for secured loans.
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- How Much Education Loan Can I Get to Study Abroad?
- Is a Co-Applicant Mandatory for an Education Loan?
- Education Loan Without a Co-Applicant for Abroad Studies
- Education Loan Interest Rates for Abroad Studies
- Education Loan Tax Benefit: Section 80E and Section 129
- Education Loan Moratorium Period Explained
- Margin Money in Education Loans: How Much You Pay
- Education Loan Process for Abroad Studies
- Education Loan Disbursement Process
- All loan guides
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