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Education Loan

Education Loan (Personal surety)

Type of loan

Education Loan

Method of payment

Monthly instalment



Eligibility criteria


Limits of Loan


Rate of interest


Penal interest



Personal surety

Period of Loan

60 months

Holiday period

One year after completion of the course or obtaining a job whichever is earlier.


Documents required for availing loan

1.NLC for personal surety *

2. Original documents for Deed revenue records of property security

3.Fees structure of the concerned institution

4.Income certificate of the guardian (25 times)

5. Any other documents required by the bank from time to time

Personal surety *

Upto Rs. 1   lakh – 2 employees with salary of Rs.4000 or 3 employees with Rs.3500 as net salary

Upto Rs. 1.5 lakh – 3 employees with Rs.3500 as net salary

Upto Rs. 2   lakh – 2 employees with salary of Rs.8000 or 4 employees with Rs.4000 as net salary

Above Rs. 2 lakh – Valuation of the pledged property requires double the amount of loan


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