Education Loan
Documents Required

Note: The education loan information on this page is provided only for the information of the website users, DBS Bank doesn’t offer this product at the moment.

Student Loan Documents

Submit the documents required for an education loan digitally.

Student Loan Documents


If you have the talent to be admitted to any of the world's best universities, money should not be a deterrent to your future. An Education Loan can help you pay for all the expenses associated with higher studies - from tuition fees to accomodation costs, food and travel expenses, and more. Once you get an offer of admission to your favourite university you can begin the loan application procedure. We take care of your monetary concerns so you can focus your attention at securing that seat in your favourite university. It would help to have the necessary student loan documents ready to submit along with your application.

Documents required for education loan

Here's a detailed list of documents required for an education loan application:

  1. Identity proof: A government-issued photo ID proof.
    Any one of the following will do:
    • PAN Card
    • Driving Licence
    • Aadhaar Card
    • Passport
    • Voter ID

    To apply for a student loan without PAN card, you can submit any of the other documents mentioned above.

  2. Residence proof: Any one of the following government-issued ID:
    • Aadhaar card
    • Driving Licence
    • Voter ID
    • Passport
  3. Proof of income and tax filing:
    • Income tax returns for the past two years
    • For salaried employees,the last three month's salary slips
    • For self-employed, last two year's financial statements certified by a CA and proof of office address
  4. Proof of educational qualification:
    • Certificate of passing for class XII or marksheet
    • Marksheet for graduation
    • Score report of any global entrance exam taken such as CAT, GMAT, GRE, TOEFL or IELTS
    • Admission letter from the foreign university on the institute's letterhead

Apart from the above documents, you may need to submit two passport sizes photographs.

Frequently Asked Questions

When does the repayment period for my student loan start?

The repayment schedule for student loans is planned such that students have the time to secure a job to repay the loan. Repayment of education loan kicks off a year after completing your course or six months after you secure a job, whichever is earlier.

Can I apply for a student loan before my admission is confirmed?

Of course. You can apply for a student loan at any time through your journey in studying abroad. There are advantages of applying for student loans before confirmation of admission. It helps you narrow down your choices for institutes based on the loan amount sanctioned for you. Simultaneously, with a sanction letter in hand, your admission's confirmation becomes easier as institutes can be assured of your ability to pay.

Can I apply for a student loan without a PAN card?

Yes. You can still apply for a student loan without a PAN card. You can submit a copy of your passport or Aadhaar card as a photo identity proof.



How does the moratorium impact my repayment schedule?

In education loans, moratoriums are common as banks can grant up to a year for students to find employment. The interest accrued during the moratorium period is added to your principal amount and adjusted in your EMI as soon as you start paying.