To apply for a study (education) loan in India, you typically need to provide a set of documents that fall into several categories. Here’s a comprehensive guide to the commonly required documents:

📚 Academic Documents

.10th and 12th standard mark sheets and certificates

.Graduation mark sheets and degree certificates (if applicable)

.Admission letter from the educational institution

Fee structure provided by the institution

Scholarship or freeship letters (if applicable)

Gap certificate (if there’s a break in education)

—

🧾 Identity and Address Proof (KYC Documents)

.Aadhaar card

.PAN card (for both student and co-applicant)

.Passport (especially for overseas education)

.Voter ID, Driving License, or other government-issued ID

.Recent utility bills or bank statements as address proof

👨‍👩‍👧 Co-Applicant/Guarantor Documents

.Most banks require a co-applicant, usually a parent or guardian.

.For Salaried Individuals:

.Identity and address proof

.Latest salary slips (typically last 3 months)

.Form 16 or Income Tax Returns for the last 2 years

.Bank statements for the last 6 months

.For Self-Employed Individuals:

.Identity and address proof

.Income Tax Returns for the last 2 years

.Business proof (e.g., registration certificate)

.Bank statements for the last 6 months

.Proof of office address (e.g., utility bill, lease agreement)

—

📄 Additional Documents

.Completed loan application form

.Passport-sized photographs of the applicant and co-applicant

.Affidavit or declaration confirming that no other loan has been availed

.Visa and travel documents (for studies abroad)

.Proof of any margin money paid (initial payment made towards the course fee)

💡 Tips for a Smooth Application Process

Use DigiLocker: This government platform allows you to store and share digital copies of your documents, which are considered at par with originals by many institutions.

Check with the specific bank: Requirements can vary between banks, so it’s advisable to consult the bank’s official website or branch for any additional documents or specific formats they may require.

Maintain good academic records: A strong academic background can enhance your loan approval chances.

Ensure co-applicant’s financial stability: The co-applicant’s income and credit history play a crucial role in loan approval.

If you need information on specific banks’ requirements or assistance with the application process, feel free to ask!