Eligibility & documents
Who can apply & documents
Most lenders share the same basic criteria. Specific cut-offs vary, but you can start the process if you meet the points below.
Who is eligible
- Indian citizen, typically 18–35 years
- Admission letter / conditional offer from a recognised institution
- A co-applicant (usually parent or spouse) with stable income
- Course must be approved or fall within the lender's eligible list
Student documents
- KYC: Aadhaar, PAN, passport (for abroad)
- Class 10, 12 and graduation marksheets
- Test scores: GRE / GMAT / IELTS / TOEFL where applicable
- Admission letter and fee structure
Co-applicant documents
- KYC: Aadhaar, PAN
- Last 3 months' salary slips OR ITRs (self-employed)
- Last 6 months' bank statements
- Property / collateral documents (for secured loans)