Education Loan Documents Checklist for Study Abroad 2026: Complete List

Identity & KYC

• Passport (first and last page + all visa pages) — valid for full course duration
• Aadhaar card
• PAN card
• 2 recent passport-size photographs

Academic Documents

• 10th standard marksheet and passing certificate
• 12th standard marksheet and passing certificate
• Undergraduate degree certificate (if applicable)
• All semester/year marksheets from undergraduate
• GRE/GMAT score report (if applicable)
• IELTS/TOEFL/PTE score report
• Any academic awards, publications, or distinctions (supporting docs)

University Admission Documents

• Offer/Acceptance letter from the international university — must show course, duration, and fees
• Course fee structure or i-20 (USA) / CAS (UK) / COE (Australia) / Zulassungsbescheid (Germany)
• University fee receipt if any advance payment made
• Scholarship award letters (if any) — these count toward margin money
• University brochure or course details (for less well-known universities)

Identity & KYC (Co-Applicant)

• Aadhaar card
• PAN card
• Passport (if available)
• 2 recent passport-size photographs
• Relationship proof with student (birth certificate, family certificate, ration card)

Income Documents (Salaried Co-Applicant)

• Last 3 months salary slips
• Form 16 for last 2 financial years
• Last 2 years ITR with computation
• Bank statements for last 6 months (salary account)
• Employment ID card
• Employer appointment letter or current employment letter

Income Documents (Self-Employed Co-Applicant)

• Last 2–3 years ITR with computation and P&L statement
• CA-certified balance sheet for last 2 years
• Bank statements for last 12 months (business + personal)
• Business registration proof (GST, trade license, or partnership deed)
• List of business assets (if applicable)

Required only if you are applying for a secured loan (typically above ₹7.5 lakhs from public sector banks).

For Residential or Commercial Property

• Original title deed / sale deed
• Property tax receipts (last 2 years)
• Approved building plan (from municipal corporation)
• Encumbrance certificate (last 30 years)
• Property valuation report (by bank-approved valuer)
• Occupation certificate (OC) / Completion certificate
• Society NOC (if applicable)

For Fixed Deposits (FDs) as Collateral

• FD certificates or FD receipts
• Bank letter confirming FD pledge arrangement

For Insurance Policies

• Insurance policy document
• Surrender value certificate from insurer

USA

• I-20 (Certificate of Eligibility for Nonimmigrant Student Status) — issued by the US university
• SEVIS fee payment confirmation
• GRE/GMAT scores (if required by university)

UK

• CAS (Confirmation of Acceptance for Studies) — issued by UK university
• IELTS score (6.0+ for most courses)
• Proof of 28-day bank maintenance for UK visa financial requirement

Canada

• GIC (Guaranteed Investment Certificate) — commonly used for Canada visa financial proof; GIC receipt can be used in loan docs
• Provincial Attestation Letter (PAL) — arranged by university
• SDS (Student Direct Stream) documents if applying via SDS

Australia

• Confirmation of Enrolment (COE) — issued by Australian university/college
• Genuine Student (GS) statement
• OSHC (Overseas Student Health Cover) confirmation

Germany

• Zulassungsbescheid (admission letter from German university)
• APS certificate (Akademische Prüfstelle — mandatory document verification for Indian students)
• Blocked account proof (€11,208/year blocked in a German bank account — Fintiba, Coracle, or Deutsche Bank)

• Self-attest all copies: Sign and write "True Copy" on every photocopy you submit
• Organise in a binder: Use tab dividers — Student KYC / Academic / Co-applicant / Financial / University / Collateral
• PDF naming convention for online applications: "StudentName_DocumentType_Date.pdf" (e.g., "Rahul_BankStatement_Apr2026.pdf")
• No stapling: Many banks scan documents — use binder clips or separate PDFs
• Bank statements must be bank-certified: Download from net banking OR get a stamp from the bank — both are acceptable
• Translation required for non-English documents: Academic documents in regional languages must be translated by a certified translator
• Property valuation: Must be done by the bank's empanelled valuer — not a private valuer
• Apply to 2–3 lenders with the same document set to maximize approval chances