Planning to take an education loan from the State Bank of India (SBI)? Whether you’re going for studies in India or abroad, understanding the document requirements is the first step to getting your loan approved quickly. This guide will help you with a complete, updated list of documents required for SBI education loans in 2025 — explained in simple, human language.
🏦 Why Choose SBI for Your Education Loan?
SBI is one of the most reliable and government-backed banks in India. It offers:
Competitive interest rates
Flexible repayment options
Loans up to ₹1.5 Crore for studying abroad
No processing fees for studies in India
Easy online application through SBI Global Ed-Vantage & Scholar Loan schemes
But before you apply, let’s talk about what documents you need to get started.
📄 Documents Required for SBI Education Loan – Full Checklist
Read more: 📚 SBI Education Loan – Complete List of Documents Required in 2025- 📌 Documents from the Student (Applicant)
These are essential for all loan applications:
✅ ID Proof: PAN Card, Passport, Aadhaar, Voter ID, or Driving License
✅ Address Proof: Aadhaar, Passport, Driving License, Utility Bill
✅ Passport (mandatory for studying abroad)
✅ Academic Records:
Class 10th and 12th mark sheets
Graduation mark sheets (if applicable)
Entrance exam scores (e.g., IELTS, TOEFL, GRE, GMAT)
✅ Admission Letter from university/college
✅ Fee Structure or Cost of Study Estimate from the university
✅ 2 Passport-size photographs
✅ Existing loan statements (if you’ve taken any previous loan)
- 👨👩👧👦 Co-applicant’s Documents (Usually Parents or Guardian)
Since SBI requires a co-borrower, typically your parent or guardian, these documents are required from them:
✅ ID & Address Proof: Same as above
✅ 2 Passport-size photographs
✅ Bank account statement of the last 6 months
✅ Existing loan statements, if any
- 💰 Income Proof of Co-applicant / Guarantor
Depending on the employment type of your co-borrower, the required documents differ:
🧑💼 For Salaried Individuals:
Last 3 months’ salary slips
Form 16 or Income Tax Returns (ITR) of last 2 years
Bank statement for last 6 months (salary account)
Statement of assets and liabilities
Cancelled cheque or first page of passbook
👨🔧 For Self-employed Individuals:
Proof of business address
ITR of last 2 years
TDS certificate or Form 16A
Qualification certificate (if professional like doctor, CA, etc.)
6 months’ bank statement
Net worth statement (optional but helpful)
- 🏠 Collateral Documents (Only for Secured Loans)
If your loan amount exceeds the non-collateral limit or you’re applying under SBI Global Ed-Vantage Scheme, you’ll need to pledge property. Here’s what you need:
Common Collateral Documents:
Registered sale deed of the property
Latest property tax receipt
Approved building plan
Chain of ownership for the last 30 years
Occupancy certificate
Utility bill (like electricity)
Encumbrance certificate (EC)
Additional (City-specific) Documents:
For Mumbai/Pune:
NOC from society or builder
CIDCO/MHADA transfer letter
Urban Land Ceiling certificate
For Hyderabad:
NA (Non-agriculture) certificate
Urban Land Ceiling certificate
For Bengaluru:
RTC (Record of Tenancy and Crops)
Khata certificate
Conversion order (agriculture to residential)
📝 Pro Tips for a Smooth SBI Loan Process
Always self-attest all documents
Match names and addresses across all paperwork
Keep scanned digital copies ready
Apply at least 30 days before your university’s fee deadline
For secured loans, get a legal opinion and valuation done early
✍️ Final Thoughts
Taking an education loan from SBI can be a smart move to fund your higher education. But the key is preparation. With the right documents in place, your loan application can be processed faster and more efficiently. Use this checklist as a reference and avoid last-minute rush or rejection.
📞 Need Help?
If you’re confused about which documents apply to your case, reach out to your loan advisor or education loan consultants who can guide you through the process.
📢 Don’t forget to share this article with anyone planning to apply for an education loan – it could save them days of research!
