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Documents Required for Student Loan

You would need a list of documents to apply for an education loan. Click here to check the list.

  • ID Proof: Passport, PAN card
  • Academic documents: 10th mark sheet, 12th mark sheet, available semester mark sheet/transcript, degree, entrance exam scores (GRE, IELTS, TOEFL, GMAT, other)
  • Financial documents: Last 3 months' salary slips, last 2 years' Form 16, last 3 years' ITRs, balance sheets and P&L accounts, business proof, bank statements for the last 6 months.

Disclaimer: The aforementioned values, calculations and results are for illustrative and informational purposes only and may vary basis various parameters laid down by Tata Capital.

Documents Required for Education Loan

  • Photograph
  • Photo Identity Proof
  • A copy of your Voter ID / Passport / Driving License / Aadhaar Card
  • Permanent Account Number OR Form 60 (wherever applicable)
  • Address Proof: 
  • A copy of your Voter ID / Passport / Driving License / Aadhaar Card
  • Signature Verification
  • Income Proof- Submit Form 16 for the last 2 years and a copy of your bank statements for the last 6 months
  • Salary Slips
  • A Copy of your Salary slips for the last three months
  • Photograph
  • Photo Identity Proof
  • A copy of your Voter ID / Passport / Driving License / Aadhaar Card
  • Permanent Account Number OR Form 60 (wherever applicable)
  • Address Proof- A copy of your Voter ID / Passport / Driving License / Aadhaar Card
  • Signature Verification
  • Income Proof
  • Income Tax Return, Profit and Loss, Balance Sheet & a copy of your bank statements for the last 6 months

FAQs on Documents Needed for Education Loan

Can I get education loan without income proof?

Tata Capital allows education loans even if income proof is unavailable. In such cases, alternative measures like adding a financially stable co-borrower, providing collateral, or demonstrating other sources of income (such as family support or rental income) are necessary to establish repayment capability.

Does an education loan require a gap certificate?

Tata Capital does not require a gap certificate for education loans. However, applicants must provide relevant academic documents such as 10th and 12th mark sheets, entrance exam scores, and confirmation of admission to a recognized institute.

Is ITR necessary to obtain an education loan?

Yes, submitting an Income Tax Return (ITR) is necessary when applying for an education loan.

Can I get education loan without salary slip?

Yes, you can apply for an education loan without a salary slip, especially if you're a student. However, if you're a co-applicant (such as a parent or guardian), income proof is typically required.

Which type of student loan is best?

Tata Capital offers both secured and unsecured education loans.

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