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Programmes Offered

Education Loan

`PNB Saraswati` Education Loan Scheme For Students Pursuing Higher Education In India.

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Fee payable to college/ school/ hostel
Examination/ Library/ Laboratory fee.
Insurance premium for student borrower, if applicable.
Caution deposit, Building fund/refundable deposit supported by Institution bills/receipts.
Purchase of books/ equipments/ instruments/ uniforms.
Purchase of computer at reasonable cost, if required for completion of the course.
Any other expense required to complete the course - like study tours, project work, thesis, etc.


Should be an Indian national.
Should have secured admission to a higher education course in recognized institutions in India through Entrance Test/ Merit Based Selection process after completion of HSC(10 plus 2 or equivalent).
Cases of Management Quota may be considered on merit basis;

Quantum Of Finance

Need based Finance subject to repaying capacity of the parents/students (after completion of course) ;.
Reimbursement of fees paid within six months may be permitted on individual merits of the case.


Up to Rs. 4 lac - NIL
Above Rs. 4 lac - 5%
Scholarship/ assistantship may be considered in margin.
Margin may be brought-in on year-to-year basis as and when disbursements are made on a pro-rata basis.


Upto Rs. 7.50 lacs: Parent(s)/guardian be made joint borrower (s). No tangible Security and /or 3rd party guarantee is required.
Above Rs.7.50 lacs: Parent(s)/guardian be joint borrower(s).Tangible collateral security of suitable value acceptable to bank.

Repayment (Maximum)

Maximum upto 15 years

Repayment Holiday/ M

Course period + 1 year


Documents Required:

  1. Loan application as per the bank's format.
  2. Passport size photograph.
  3. Proof of address & age
  4. PAN Card copy of student borrower
  5. Proof of having cleared last qualifying examination.
  6. Letter of Admission
  7. Course Prospectus which states details of charges/fee for admission, examination, Hostel etc.
  8. Details of assets & liabilities of parents/co-applicants/guarantors
  9. If the loan requires a collateral mortgage of IP as security, then a copy of Title Deed and Valuation is required
  10. Borrower must obtain, at their expense, a Non-encumbrance Certificate from an approved lawyer of the bank
  11. Any other document/information, depending upon the case and purpose of the loan









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