You can apply for any recognized degree, diploma, or professional course, including engineering, medical, management, and skill-based programs.

In most cases, no collateral or guarantor is required for loans up to a specific amount. Higher amounts may require basic security or co-applicant details.

Students can get up to ₹10 lakhs depending on the course, institution, and repayment capacity.

Interest rates start from 8.5% per annum, with flexible repayment options tailored for students and parents.

Once you submit all documents, pre-approval is done instantly, and full approval can take 24–48 hours.

Yes ✅ — Punjab students who have secured admission in a recognized foreign university can apply for an international education loan as well.

Repayment usually starts 6–12 months after course completion or after securing a job — whichever comes first.

You’ll need:

Aadhar Card / PAN Card

Proof of residence (showing Punjab address)

Admission letter from your institution

Previous academic mark sheets

Income proof of co-applicant (if applicable)

Simply click “Apply Now”, fill in your details, and upload the required documents. Our team will contact you within 24 hours to guide you through the next steps.