{"id":14047,"date":"2025-03-07T16:08:01","date_gmt":"2025-03-07T10:38:01","guid":{"rendered":"https:\/\/test-blog.unicreds.com\/blog\/?p=14047"},"modified":"2025-09-29T19:44:11","modified_gmt":"2025-09-29T14:14:11","slug":"pnb-education-loan","status":"publish","type":"post","link":"https:\/\/unicreds.com\/blog\/pnb-education-loan\/","title":{"rendered":"Punjab National Bank Education Loan For Study Abroad"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_75 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/unicreds.com\/blog\/pnb-education-loan\/#What_is_the_PNB_Udaan_Education_Loan_Scheme\" >What is the PNB Udaan Education Loan Scheme?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/unicreds.com\/blog\/pnb-education-loan\/#Overview_of_PNB_Udaan_Education_Loan\" >Overview of PNB Udaan Education Loan<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/unicreds.com\/blog\/pnb-education-loan\/#Eligibility_Criteria_For_PNB_Education_Loan\" >Eligibility Criteria For PNB Education Loan<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/unicreds.com\/blog\/pnb-education-loan\/#Courses_and_Institutions_Eligible_For_PNB_Education_Loan\" >Courses and Institutions Eligible For PNB Education Loan<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/unicreds.com\/blog\/pnb-education-loan\/#PNB_Education_Loan_Process\" >PNB Education Loan Process<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/unicreds.com\/blog\/pnb-education-loan\/#Why_get_a_PNB_Education_Loan_through_UniCreds\" >Why get a PNB Education Loan through UniCreds?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/unicreds.com\/blog\/pnb-education-loan\/#Expenses_Covered_In_PNB_Education_Loan\" >Expenses Covered In PNB Education Loan<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/unicreds.com\/blog\/pnb-education-loan\/#Documents_Required_For_Education_Loan_In_PNB\" >Documents Required For Education Loan In PNB<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/unicreds.com\/blog\/pnb-education-loan\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/unicreds.com\/blog\/pnb-education-loan\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\n<div id=\"bsf_rt_marker\"><\/div>\n<p><\/p>\n\n\n\n<p>You\u2019ve dreamed of studying abroad for years. Late-night research, endless applications, and now\u2014finally\u2014you\u2019re in.<\/p>\n\n\n\n<p>But before you can pack your bags, there\u2019s one last hurdle: how will you fund it? A quick Google search throws up dozens of options, each with complex terms and hidden charges. The last thing you want is to make the wrong choice and regret it later.\u00a0<\/p>\n\n\n\n<p>That\u2019s where a PNB education loan can help. Punjab National Bank (PNB), one of India\u2019s largest public sector banks, has been supporting students with education loans for decades.<\/p>\n\n\n\n<p>With dedicated schemes for both domestic and international studies, PNB offers student-friendly terms, competitive interest rates, and a straightforward process.<\/p>\n\n\n\n<p>This blog explores PNB Udaan, the PNB education loan specifically designed for students pursuing higher studies abroad.<\/p>\n\n\n\n<p>We\u2019ll break down its features, eligibility, and key benefits to help you make an informed choice.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_the_PNB_Udaan_Education_Loan_Scheme\"><\/span><strong>What is the PNB Udaan Education Loan Scheme?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>PNB Udaan is a secured education loan designed for students like you who need financial support to study overseas.<\/p>\n\n\n\n<p>Under this scheme, you can borrow up to \u20b91 crore, but you\u2019ll need to pledge collateral equal to the loan amount.<\/p>\n\n\n\n<p>So, if you\u2019re applying for \u20b940 lakh, your collateral must be worth at least \u20b940 lakh.<\/p>\n\n\n\n<p>PNB Udaan offers competitive interest rates and covers a wide range of courses and countries.<\/p>\n\n\n\n<p>Whether you\u2019re eyeing a master\u2019s in the UK or a specialised course in the US, this loan could be the financial backing you need.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Overview_of_PNB_Udaan_Education_Loan\"><\/span><strong>Overview of PNB Udaan Education Loan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Feature<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Details<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Objective<\/td><td class=\"has-text-align-center\" data-align=\"center\">Financial support for meritorious students pursuing higher education abroad.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\" rowspan=\"2\">Loan Margin<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to \u20b94 lakh: NIL<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Above \u20b94 lakh: 15%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\" rowspan=\"2\">Security<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to \u20b97.5 lakh: No tangible security required; parent(s)\/guardian as joint borrowers.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Above \u20b97.5 lakh: Tangible collateral security required along with parent(s)\/guardian as joint borrowers.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Repayment Period<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to 15 years<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Repayment Holiday (Moratorium)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Course duration + 1 year<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Prepayment Charges<\/td><td class=\"has-text-align-center\" data-align=\"center\">Nil<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Rate of Interest<\/td><td class=\"has-text-align-center\" data-align=\"center\">10-12%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Processing Fee<\/td><td class=\"has-text-align-center\" data-align=\"center\">1% of loan amount (Minimum \u20b910,000, refundable after first disbursement)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>To take advantage of the PNB Udaan Education Loan, you must meet certain criteria. Let&#8217;s explore the eligibility criteria for the PNB Education Loan.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"lead-magnet-cta\">\n  <div class=\"main-cta\">\n    <div class=\"main-cta-content\">\n      <p class=\"main-cta-content-sub-heading\">Your Study Abroad Journey Starts Here!<\/p>\n      <p>\n        Get your Abroad Education Loan approved in just 48 hours* with UniCreds.\n      <\/p>\n    <\/div>\n    <div class=\"main-cta-btn\">\n      <a href=\"https:\/\/unicreds.com\/get-expert-assistance?utm_source=uc-blog&#038;utm_medium=organic&#038;utm_campaign=seeking-for-education-loan-button\" class=\"main-cta-btn-desktop\">Check Your Eligibility!<\/a>\n      <a href=\"https:\/\/unicreds.com\/get-expert-assistance?utm_source=uc-blog&#038;utm_medium=organic&#038;utm_campaign=seeking-for-education-loan-button\" class=\"main-cta-btn-mobile\">Check Your Eligibility!<\/a>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Eligibility_Criteria_For_PNB_Education_Loan\"><\/span><strong>Eligibility Criteria For PNB Education Loan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Before applying for a PNB Udaan, you need to meet certain requirements. The bank assesses your academic background, admission status, and financial standing to ensure you qualify.<\/p>\n\n\n\n<p>Here\u2019s what you need:<\/p>\n\n\n\n<p><strong>1. Indian Citizenship<\/strong>: You must be a resident Indian with valid proof of identity and address.<\/p>\n\n\n\n<p><strong>2. Age Limit<\/strong>: While there\u2019s no fixed age limit, the bank may assess your age for repayment feasibility.<\/p>\n\n\n\n<p><strong>3. Confirmed Admission<\/strong>: You should have secured admission to a recognised foreign university or institution through an entrance exam or merit-based selection.<\/p>\n\n\n\n<p><strong>4. Academic Qualification<\/strong>: You must have completed Class 12 (HSC) or an equivalent qualification before applying.<\/p>\n\n\n\n<p><strong>5. Approved Course<\/strong>: The loan is available for graduate, postgraduate, diploma, and professional courses in recognised international institutions.<\/p>\n\n\n\n<p><strong>6. Co-Applicant Requirement<\/strong>: Your parent or legal guardian must be a co-borrower, ensuring financial backing for the loan.<\/p>\n\n\n\n<p><strong>7. Collateral Requirement<\/strong>: For loans above \u20b97.5 lakh, you need to provide tangible security of equal or higher value.<\/p>\n\n\n\n<p><strong>8. Good Academic Record<\/strong>: A consistent academic performance increases your chances of loan approval.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<!DOCTYPE html>\n<html>\n<head>\n    <style>\n        .container {\n            width: 100%;\n            height: 70px;\n            background-color: #F5F5F5;\n            position: relative;\n        }\n        .vertical-line {\n            position: absolute;\n            left: 0;\n            top: 0;\n            width: 7px;\n            height: 100%;\n            background-color: #418A41;\n        }\n        .text {\n            position: absolute;\n            left: 25px;\n            top: 50%;\n            transform: translateY(-50%);\n            color: black;\n            font-family: \"Poppins\", sans-serif;\n            font-size: 18px;\n            padding: 0; \n        }\n        \/* The new CSS class for the anchor tag *\/\n        .link {\n            line-height: 1.5; \/* Default line height for desktop *\/\n        }\n        \/* CSS Media Queries *\/\n        @media only screen and (max-width: 768px) {\n            .container {\n                height: 100px;\n            }\n            .vertical-line {\n                width: 5px;\n            }\n            .text {\n                font-size: 14px; \n            }\n            \/* Increase the line height for mobile *\/\n            .link {\n                line-height: 2; \n            }\n        }\n        @media only screen and (max-width: 480px) {\n            .container {\n                height: 80px;\n            }\n            .vertical-line {\n                width: 3px;\n            }\n            .text {\n                font-size: 14px;\n            }\n            \/* Increase the line height for mobile *\/\n            .link {\n                line-height: 1.5; \n            }\n        }\n    <\/style>\n<\/head>\n<body>\n    <div class=\"container\">\n        <div class=\"vertical-line\"><\/div>\n        <div class=\"text\"><b>Also Read: <\/b> <a class=\"link\" href=\"https:\/\/unicreds.com\/blog\/how-much-salary-do-you-need-for-education-loans\/\" target=\"_blank\" rel=\"noopener noreferrer\">How Much Salary Do You Need For Education Loans?<\/a><\/div>\n    <\/div>\n<\/body>\n<\/html>\n\n\n\n\n<p><\/p>\n\n\n\n<p>With your eligibility confirmed, it&#8217;s time to understand which educational options align with the PNB Education Loan. Let&#8217;s explore the courses and institutions eligible for the PNB Education Loan.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Courses_and_Institutions_Eligible_For_PNB_Education_Loan\"><\/span><strong>Courses and Institutions Eligible For PNB Education Loan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>PNB offers education loans for a wide range of courses abroad. Whether you\u2019re pursuing a professional degree or a specialised diploma, your course must be recognised by a regulatory body and lead to employment opportunities.<\/p>\n\n\n\n<p>Here\u2019s a breakdown of the eligible courses:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Undergraduate Courses<\/strong> \u2013 Job-oriented professional and technical courses offered by reputed international universities.<\/li>\n\n\n\n<li><strong>Postgraduate Courses<\/strong> \u2013 Advanced degrees like MBA, MCA, MS, and other specialised master\u2019s programmes.<\/li>\n\n\n\n<li><strong>Professional Certifications<\/strong> \u2013 Recognised courses such as CIMA (UK), CPA (USA), CFA, and similar global certifications.<\/li>\n\n\n\n<li><strong>Specialised Training Programmes<\/strong> \u2013 Courses in aviation, pilot training, aeronautics, shipping, and maritime studies, provided they are recognised by regulatory bodies abroad.<\/li>\n\n\n\n<li><strong>STEM and Research-Based Courses<\/strong> \u2013 Higher studies in science, technology, engineering, mathematics, and medical fields.<\/li>\n\n\n\n<li><strong>Government-Approved Courses<\/strong> \u2013 Any programme falling under government subsidy schemes or officially recognised international degrees.<\/li>\n\n\n\n<li><strong>Diploma and Non-Specialised Courses<\/strong> \u2013 Accredited diploma and degree programmes, subject to collateral eligibility.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<!DOCTYPE html>\n<html>\n<head>\n    <style>\n        .container {\n            width: 100%;\n            height: 70px;\n            background-color: #F5F5F5;\n            position: relative;\n        }\n        .vertical-line {\n            position: absolute;\n            left: 0;\n            top: 0;\n            width: 7px;\n            height: 100%;\n            background-color: #418A41;\n        }\n        .text {\n            position: absolute;\n            left: 25px;\n            top: 50%;\n            transform: translateY(-50%);\n            color: black;\n            font-family: \"Poppins\", sans-serif;\n            font-size: 18px;\n            padding: 0; \n        }\n        \/* The new CSS class for the anchor tag *\/\n        .link {\n            line-height: 1.5; \/* Default line height for desktop *\/\n        }\n        \/* CSS Media Queries *\/\n        @media only screen and (max-width: 768px) {\n            .container {\n                height: 100px;\n            }\n            .vertical-line {\n                width: 5px;\n            }\n            .text {\n                font-size: 14px; \n            }\n            \/* Increase the line height for mobile *\/\n            .link {\n                line-height: 2; \n            }\n        }\n        @media only screen and (max-width: 480px) {\n            .container {\n                height: 80px;\n            }\n            .vertical-line {\n                width: 3px;\n            }\n            .text {\n                font-size: 14px;\n            }\n            \/* Increase the line height for mobile *\/\n            .link {\n                line-height: 1.5; \n            }\n        }\n    <\/style>\n<\/head>\n<body>\n    <div class=\"container\">\n        <div class=\"vertical-line\"><\/div>\n        <div class=\"text\"><b>Also Read: <\/b> <a class=\"link\" href=\"https:\/\/unicreds.com\/blog\/list-of-approved-foreign-universities-for-education-loan\/\" target=\"_blank\" rel=\"noopener noreferrer\">List of Approved Foreign Universities for Abroad Education Loan<\/a><\/div>\n    <\/div>\n<\/body>\n<\/html>\n\n\n\n\n<p><\/p>\n\n\n\n<p>Having identified the eligible academic options, it&#8217;s time to understand how to apply.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"PNB_Education_Loan_Process\"><\/span><strong>PNB Education Loan Process<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Option1: Apply Online through the Vidya Lakshmi portal<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>1. Register on the portal<\/strong> \u2013 Create an account on the Vidya Lakshmi website.<\/p>\n\n\n\n<p><strong>2. Fill out the application<\/strong> \u2013 Complete the Common Education Loan Application Form (CELAF) with your details.<\/p>\n\n\n\n<p><strong>3. Upload the required documents<\/strong> \u2013 Submit admission proof, fee structure, KYC documents, and income details.<\/p>\n\n\n\n<p><strong>4. Wait for verification<\/strong> \u2013 The bank will review your application and get in touch if any additional details are needed.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Option 2: Apply In Person at a PNB branch<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>1. Visit a nearby branch<\/strong> \u2013 Walk into any of PNB\u2019s 10,000+ branches across India.<\/p>\n\n\n\n<p><strong>2. Meet a loan officer<\/strong> \u2013 Get guidance on eligibility, required documents, and repayment options.<\/p>\n\n\n\n<p><strong>3. Submit your application<\/strong> \u2013 Fill out the loan form, attach the necessary documents, and hand them over to the bank.<\/p>\n\n\n\n<p><strong>4. Processing &amp; sanctioning<\/strong> \u2013 The bank evaluates your application, and once approved, you\u2019ll receive a sanction letter.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Option 3: Apply Through UniCreds<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>If you want a faster and hassle-free process, UniCreds can handle everything for you. The team helps with document submission, verification, and approvals.<\/p>\n\n\n\n<p>Also, a streamlined processing ensures your loan gets approved without unnecessary delays.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_get_a_PNB_Education_Loan_through_UniCreds\"><\/span><strong>Why get a PNB Education Loan through UniCreds?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Tailored Loan Offers:<\/strong> You don\u2019t have to worry about missing out on the right loan. UniCreds finds the best option based on your needs.<\/li>\n\n\n\n<li><strong>Faster Approvals:<\/strong> Why wait 45 days when you can get approval in two weeks or less? UniCreds works directly with PNB officials to speed things up.<\/li>\n\n\n\n<li><strong>No Extra Charges:<\/strong> UniCreds doesn\u2019t charge a single rupee. No processing fees, no hidden costs\u2014just a smooth and stress-free process.<\/li>\n\n\n\n<li><strong>Higher Chances of Approval:<\/strong> Missing documents or property issues can cause delays. UniCreds checks everything in advance and works with PNB to sort out any issues.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>Skip the long queues and endless paperwork. Get your PNB education loan sorted quickly and easily with UniCreds!<\/p>\n\n\n\n<p>You&#8217;ve learned how to apply; now, let&#8217;s understand what the loan actually pays for.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Expenses_Covered_In_PNB_Education_Loan\"><\/span><strong>Expenses Covered In PNB Education Loan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-rt.googleusercontent.com\/docsz\/AD_4nXcQA1musJSeqqw-D5CpAU1M-XUlIPtLPHV5BYM8kOwsm-2AaGnCU-LrDzQ-GTcV3KsG2bCy8xQT8c08x5bwvDZtejJAuFQuB690kSGTkeS59L7IfOsnt9DTzCxJmFl7qsVeK3af6Q?key=2EkN_kWAWXROmE058poAEoVs\" alt=\"expenses-covered-under-pnb-education-loan\"\/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>The PNB Education Loan helps cover essential costs, ensuring you can focus on your studies without financial stress.<\/p>\n\n\n\n<p>Here\u2019s a breakdown of what\u2019s included:<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Expense Category<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Details Covered<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Tuition Fees<\/td><td class=\"has-text-align-center\" data-align=\"center\">Covers full tuition fees as per the university\u2019s official fee structure.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Hostel and Living Expenses<\/td><td class=\"has-text-align-center\" data-align=\"center\">Includes hostel fees and other living costs during your study period.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Academic Fees<\/td><td class=\"has-text-align-center\" data-align=\"center\">Covers examination, library, and laboratory fees as required by the institution.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Travel Costs<\/td><td class=\"has-text-align-center\" data-align=\"center\">One-way airfare to your university or institute.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Insurance Premium<\/td><td class=\"has-text-align-center\" data-align=\"center\">Life insurance for the student, as per loan terms.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Security Deposits<\/td><td class=\"has-text-align-center\" data-align=\"center\">Refundable deposits such as caution money, with valid receipts.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Course Materials<\/td><td class=\"has-text-align-center\" data-align=\"center\">Cost of books, uniforms, equipment, and study-related instruments.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Laptop or Computer<\/td><td class=\"has-text-align-center\" data-align=\"center\">Funding for a computer if essential for the course, within a reasonable price range.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Project and Research Costs<\/td><td class=\"has-text-align-center\" data-align=\"center\">Expenses for thesis, project work, and study tours required by the curriculum.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>PNB Udaan ensures you don\u2019t have to cut corners on essential academic expenses. With PNB Education Loan, you can focus on your goals without financial roadblocks.<\/p>\n\n\n\n<p>Understanding the covered expenses is one part; preparing the right documents is another. Let&#8217;s walk through the documents required for an education loan in PNB.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Documents_Required_For_Education_Loan_In_PNB\"><\/span><strong>Documents Required For Education Loan In PNB<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Getting a PNB education loan involves paperwork, but having everything ready can speed up the process.<\/p>\n\n\n\n<p>Here\u2019s what you\u2019ll need when applying for a PNB Education Loan:<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>1. For the Applicant (Student)<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Identity Proof \u2013 PAN card, passport, driver\u2019s licence, or voter ID<\/li>\n\n\n\n<li>Academic Records \u2013 10th and 12th mark sheets, degree certificates, and transcripts<\/li>\n\n\n\n<li>Proof of Admission \u2013 Offer letter from the university or institution<\/li>\n\n\n\n<li>Statement of Expenses \u2013 A detailed breakdown of tuition fees and other costs<\/li>\n\n\n\n<li>Photographs \u2013 Two recent passport-sized photos<\/li>\n<\/ul>\n\n\n\n<p><strong>2. For the Co-Applicant (Parent\/Guardian\/Sponsor)<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Identity Proof \u2013 PAN card, passport, driver\u2019s licence, or voter ID<\/li>\n\n\n\n<li>Income Proof \u2013 Salary slips, Form 16, or income tax returns (ITR)<\/li>\n\n\n\n<li>Bank Account Statements \u2013 Last six months\u2019 bank statements<\/li>\n<\/ul>\n\n\n\n<p><strong>3. For Collateral (If Taking a Secured Loan)<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Property Ownership Documents \u2013 Title deed and proof of ownership<\/li>\n\n\n\n<li>Approved Property Plan \u2013 If applicable<\/li>\n\n\n\n<li>Chain of Ownership \u2013 Property records for the last 30 years<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<!DOCTYPE html>\n<html>\n<head>\n    <style>\n        .container {\n            width: 100%;\n            height: 70px;\n            background-color: #F5F5F5;\n            position: relative;\n        }\n        .vertical-line {\n            position: absolute;\n            left: 0;\n            top: 0;\n            width: 7px;\n            height: 100%;\n            background-color: #418A41;\n        }\n        .text {\n            position: absolute;\n            left: 25px;\n            top: 50%;\n            transform: translateY(-50%);\n            color: black;\n            font-family: \"Poppins\", sans-serif;\n            font-size: 18px;\n            padding: 0; \n        }\n        \/* The new CSS class for the anchor tag *\/\n        .link {\n            line-height: 1.5; \/* Default line height for desktop *\/\n        }\n        \/* CSS Media Queries *\/\n        @media only screen and (max-width: 768px) {\n            .container {\n                height: 100px;\n            }\n            .vertical-line {\n                width: 5px;\n            }\n            .text {\n                font-size: 14px; \n            }\n            \/* Increase the line height for mobile *\/\n            .link {\n                line-height: 2; \n            }\n        }\n        @media only screen and (max-width: 480px) {\n            .container {\n                height: 80px;\n            }\n            .vertical-line {\n                width: 3px;\n            }\n            .text {\n                font-size: 14px;\n            }\n            \/* Increase the line height for mobile *\/\n            .link {\n                line-height: 1.5; \n            }\n        }\n    <\/style>\n<\/head>\n<body>\n    <div class=\"container\">\n        <div class=\"vertical-line\"><\/div>\n        <div class=\"text\"><b>Also Read: <\/b> <a class=\"link\" href=\"https:\/\/unicreds.com\/blog\/difference-between-secured-and-unsecured-loans\/\" target=\"_blank\" rel=\"noopener noreferrer\">Secured vs. Unsecured Loans: Choosing the Right Education Loan<\/a><\/div>\n    <\/div>\n<\/body>\n<\/html>\n\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>You\u2019ve done the hard part\u2014getting into your dream university. Now, funding it shouldn\u2019t feel like another uphill battle. With the PNB Udaan education loan, you get the financial backing you need, without the hidden stress. From tuition to travel, everything\u2019s taken care of, so you can focus on your studies\u2014not your bank balance.<\/p>\n\n\n\n<p>But securing a loan shouldn\u2019t mean endless paperwork and back-and-forth emails. That\u2019s where UniCreds comes in. We simplify the entire process, helping you secure your loan quickly and smoothly. No delays, no guesswork\u2014just expert support to get you closer to your study abroad dream.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span><strong>FAQs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Can I apply for a PNB education loan online?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>Yes, Punjab National Bank allows you to apply for education loans online through their official website. Once you click on \u201cApply Now,\u201d you\u2019ll be redirected to the PNB WeblenS portal, where you can submit and track your loan application easily.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. What is the maximum loan amount under the PNB Udaan scheme?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>PNB Udaan offers need-based financing for students pursuing higher education abroad. The maximum loan amount depends on the repayment capacity of both the applicant and the co-applicant.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Can minors apply for the PNB Udaan education loan?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>No, applicants must be at least 18 years old to apply for a PNB Udaan education loan. Minors are not eligible.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. What is the repayment tenure for PNB education loans?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>The repayment period depends on the loan amount:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Up to \u20b950,000 \u2013 Repayment within 3 years<\/li>\n\n\n\n<li>\u20b950,000 to \u20b91 lakh \u2013 Repayment within 5 years<\/li>\n\n\n\n<li>Above \u20b91 lakh \u2013 Repayment within 7 years<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5. Can I request an additional loan amount after approval?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>Yes, PNB considers additional loan requests for the same course on a case-by-case basis. The approval depends on your academic performance, repayment capacity, and required security. If you plan to pursue further studies, <a href=\"https:\/\/unicreds.com\/blog\/top-up-education-loans\/\" target=\"_blank\" rel=\"noreferrer noopener\">top-up loans<\/a> may also be available within the overall eligibility limit.<\/p>\n\n\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [{\n    \"@type\": \"Question\",\n    \"name\": \"1. Can I apply for a PNB education loan online?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"Yes, Punjab National Bank allows you to apply for education loans online through their official website. Once you click on \u201cApply Now,\u201d you\u2019ll be redirected to the PNB WeblenS portal, where you can submit and track your loan application easily.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"2. What is the maximum loan amount under the PNB Udaan scheme?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"PNB Udaan offers need-based financing for students pursuing higher education abroad. The maximum loan amount depends on the repayment capacity of both the applicant and the co-applicant.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"3. Can minors apply for the PNB Udaan education loan?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"No, applicants must be at least 18 years old to apply for a PNB Udaan education loan. Minors are not eligible.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"4. What is the repayment tenure for PNB education loans?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"The repayment period depends on the loan amount:\n\nUp to \u20b950,000 \u2013 Repayment within 3 years\n\u20b950,000 to \u20b91 lakh \u2013 Repayment within 5 years\nAbove \u20b91 lakh \u2013 Repayment within 7 years\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"5. Can I request an additional loan amount after approval?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"Yes, PNB considers additional loan requests for the same course on a case-by-case basis. The approval depends on your academic performance, repayment capacity, and required security. If you plan to pursue further studies, top-up loans may also be available within the overall eligibility limit.\"\n    }\n  }]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>You\u2019ve dreamed of studying abroad for years. Late-night research, endless applications, and now\u2014finally\u2014you\u2019re in. But before you can pack your bags, there\u2019s one last hurdle: how will you fund it? A quick Google search throws up dozens of options, each with complex terms and hidden charges. The last thing you want is to make the [&hellip;]<\/p>\n","protected":false},"author":103,"featured_media":35753,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"<!-- wp:paragraph -->\n<p><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Punjab National Bank is among India\u2019s notable nationalised banks with its headquarters in New Delhi. Among India\u2019s leading moneylenders, there\u2019s even a PNB education loan to help several students who are looking to realise their dreams of education abroad. Due to this rising influx, several banks and financial institutions are making provisions to help a large number of students achieve their goals.&nbsp;<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The PNB education loan to study abroad is PNB Udaan. It is for students looking to pursue their studies abroad and in need of financial assistance to go through with the same. In this article, we take a look at the specifics and features of the PNB education loan.&nbsp;<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading -->\n<h2><strong>Eligibility Criteria For PNB Education Loan<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:list -->\n<ul><li>The applicant for Punjab National Bank\u2019s education loan should be a resident Indian.&nbsp;<\/li><li>They should have secured a merit-based education at a recognised university abroad.<\/li><li>The applicant needs to be between the ages of 18 and 45 (45 if employed and 35 if unemployed).<\/li><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading -->\n<h2><strong>Courses And Universities Eligible For PNB Education Loan<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Following are the courses that are covered under PNB Udaan.&nbsp;<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li><strong>Undergraduate\/Graduation<\/strong>: Only technical and professional courses by reputed universities.<\/li><li><strong>Postgraduation<\/strong>: In-demand courses like MCA, MBA, MS, etc.&nbsp;<\/li><li><strong>Vocational Courses<\/strong>: Courses conducted by the CPA in the USA or CIMA in London.<\/li><li>Courses as defined under various Government Subsidy Schemes<\/li><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading -->\n<h2><strong>PNB Education Loan Process<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph -->\n<p><strong>Maximum Loan Amount<\/strong>: The process of PNB Udaan slightly changes depending on the loan amount the applicant has applied for. From a local branch, the maximum amount that can be applied is INR 40 lakhs. The regional processing centre can sanction a loan amount of INR 60 lakhs. Special permission is required beyond that to approach a corporate centre. They have the authority to loan an amount of more than INR 60 lakhs.&nbsp;<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Interest Rate<\/strong>: The PNB education loan interest rate is 9.55% for non-listed colleges and 8.80% for listed colleges.&nbsp;<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Margin Money<\/strong>: Generally, the margin money for a PNB education loan is 15%. It might alter on a day to day basis but remains around 15% of the total expenses that student has to fund on a pro-rata basis.&nbsp;<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Repayment Period And Moratorium Period<\/strong>: The repayment period of PNB Udaan is 15 years. A moratorium period is the period of time you are exempted from paying back the loan. That period is for the entirety of the course and one year following the completion of the course.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Processing Fees<\/strong>: The processing fee of the education loan is 1% of the total loan amount.\u00a0<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading -->\n<h2><strong>Expenses Covered In <\/strong><strong>PNB Education Loan<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Below are the expenses covered by the study abroad loan:<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>Fees payable for the course to the university\/college<\/li><li>Hostel rent<\/li><li>Travel expenses for studying abroad<\/li><li>Purchase of books, stationery, uniform, etc.<\/li><li>Life Insurance Premium of the student (if applicable)<\/li><li>Cost of laptop (if purchased)<\/li><li>Other expenses such as study tours, project work, thesis, etc.<\/li><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading -->\n<h2><strong>Documents Required For Education Loan In PNB<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Documents required to be submitted by the applicant:<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>Admission letter from the university<\/li><li>Loan application form<\/li><li>Copy of your passport<\/li><li>2 passport size photographs<\/li><li>Residence Proof (Aadhar Card, electricity or telephone bill)<\/li><li>Identity Proof (PAN Card, Driver\u2019s License, etc.)<\/li><li>Mark sheet of GRE, GMAT, TOEFL, IELTS (whichever is applicable)<\/li><li>Past academic certificates<\/li><li>University ranking printout<\/li><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p>Documents required to be submitted by the co-applicant:<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>Identity Proof<\/li><li>2 passport size photographs<\/li><li>Residence Proof<\/li><li>Last 3 months\u2019 salary slips<\/li><li>Income tax receipts for the last two years&nbsp;<\/li><li>Form 16 for the last two years<\/li><li>Employee ID card (in case employed)<\/li><li>Proof of business (if self-employed)<\/li><li>Last 3 years\u2019 balance sheet and P&amp;L statement<\/li><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading -->\n<h2><strong>Collaterals Accepted\u00a0<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Collateral is an asset that is accepted by the bank as security from the loaner in order to extend a loan. Following are the two types of collaterals accepted by Punjab National Bank for their education loan:<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li>Liquid securities such as government bonds or a fixed deposit<\/li><li>Tangible collateral such as a house, a property or a plot of land with fixed boundaries, etc.<\/li><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading -->\n<h2><strong>Collateral Documents Required By PNB<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:list -->\n<ul><li>Deed of registered sale agreement along with property title<\/li><li>Original registration receipt for the sale agreement<\/li><li>Allotment letter by the municipal corporation or any government authority such as CIDCO, MHADA, HUDA, etc. (if applicable)<\/li><li>Encumbrance Certificate (EC), commonly known as Link Document, of the last 30 years.&nbsp;<\/li><li>Copy of municipality approved plot layout or building plan<\/li><li>Latest property tax bill bearing the same address<\/li><li>Documents required for liquid securities are much lesser<\/li><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading -->\n<h2><strong>EMI Calculation On PNB Education Loan<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph -->\n<p>An EMI calculator is an online tool that helps you calculate the loan amount and the specifics that you need to pay monthly upon availing of the education abroad loan.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>-<\/strong><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong><em>If you found this blog on \u201cPNB Education Loan To Study Abroad\u201d helpful, make sure to check out our other blogs:<\/em><\/strong><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:list -->\n<ul><li><a href=\"https:\/\/unicreds.com\/blog\/karur-vysya-bank-education-loan\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Karur Vysya Bank Education Loan Options For Students<\/strong><\/a><\/li><li><a href=\"https:\/\/unicreds.com\/blog\/dena-bank-education-loan\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Dena Bank Education Loan<\/strong><\/a><\/li><li><a href=\"https:\/\/unicreds.com\/blog\/sbi-education-loan\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>SBI Education Loan For Studying Abroad<\/strong><\/a><\/li><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:html -->\n\n<!-- JS code for AMP -->\n<script>\n    window.onload = function(){\n        window.scrollTo({top: 0});\n        document.getElementById(\"amp-form-referrer\").value = getCookie('referrer')\n        \/\/ document.getElementById(\"amp-bottom-form-element\").value = `bottom-form-${window.location.pathname}`\n    \n        const openButton = document.getElementsByClassName(\"open-form-wrapper\")[0];\n        openButton.onclick = function() {\n            document.getElementById(\"mainContainer\").style.display=\"none\";\n            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We'll get in touch within 24 hours via email\/phone.<\/p>\n                            <p style=\"margin: 1rem 0 2rem;\">Don\u2019t let your friends miss out on all the fun! Simply <a href=\"https:\/\/unicreds.com\/refer-and-earn\">refer your friend<\/a> to take loan and get Rs. <span class=\"red\">5000<\/span>.<\/p>\n                            <span class=\"submit-btn\" on=\"tap:my-lightbox.close\">\n                                Continue reading\n                            <\/span>\n                        <\/template>\n                    <\/div>\n                    <div submit-error=\"\" class=\"submit-message\">\n                        <template type=\"amp-mustache\">\n                            <p style=\"margin: 2rem 0;\">Error! 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