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PNB Udaan Education Loan

Education loan for eligible higher education abroad. Current floating rates are 8.10%–10.10% p.a. across the published medical, top-50-institute, collateral-backed and CGFSEL bands; fixed rates depend on student category and tenure.

Interest rateMedical loans above ₹7.50 lakh with minimum 100% collateral: 8.10% p.a. (RLLR+BSP). Top-50 institutes with minimum 100% collateral: 8.10% floating and 9.10%/9.60% fixed by tenure. Other loans with minimum 100% collateral: 9.35% floating for non-female students or 8.85% for female students; fixed 10.35%/10.85% and 9.85%/10.35% by tenure. Loans up to ₹7.50 lakh under CGFSEL: 10.10%/9.60% floating and 11.10%/11.60% or 10.60%/11.10% fixed, by student category and tenure.TenureMaximum repayment period up to 15 years; the repayment holiday is the course period plus 1 year.Processing feeStudies abroad: 1% of the loan amount, minimum ₹10,000, refundable after the first disbursement under PNB's current retail-advance schedule.
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Quick eligibility check

PNB Udaan Education Loan

0 of 4 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Are you this type of customer: Resident Indian admitted through entrance-test or merit selection, after Class XII or equivalent, to a recognized higher-education course abroad?

Published source: Eligibility

2Document checkDo you have this required document or proof: PNB's general education-loan checklist: bank-format application, photograph, student identity/address and age proof, PAN (before disbursement if unavailable at sanction), qualifying-exam pass proof, admission letter and course prospectus with fees?

Published source: Eligibility

3Document checkDo you have at least one of these required documents: Passport and visa for overseas study; visa copy is required before first disbursement. Co-applicant/guarantor documents and other case- or purpose-specific papers where applicable?

Published source: Eligibility

4Document checkDo you have this required document or proof: Certain recognized diploma/certificate courses are subject to the page's separate liquid-security condition?

Published source: Eligibility
0 of 4 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 5 Oct 2026 · active
Offered byPunjab National Bank

India-origin applicants; study abroad

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Processing feeStudies abroad: 1% of the loan amount, minimum ₹10,000, refundable after the first disbursement under PNB's current retail-advance schedule.View source
For Studies abroad — 1%; minimum ₹10,000; refundable after 1st disbursement.
Source
PNB Services Charges Related to Retail Advances — current schedule
Page / section
Education Loan
Accessed
12 Sept 2026
Confidence
high
Open official source ↗
TenureMaximum repayment period up to 15 years; the repayment holiday is the course period plus 1 year.View source
Maximum upto 15 years; course period + 1 year.
Source
PNB Udaan Education Loan — current page
Page / section
Repayment (Maximum); Repayment Holiday/ Moratorium
Accessed
12 Sept 2026
Confidence
high
Open official source ↗
Loan typeEducation loanView source
The official product name identifies this as “PNB Udaan Education Loan”.
Source
PNB Udaan Education Loan — official product page
Page / section
Official product name and loan classification
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNIL prepayment charges.View source
The official Udaan page states “Prepayment Charges — NIL”.
Source
PNB Udaan — education loan scheme
Page / section
Prepayment Charges
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
EligibilityResident Indian admitted through entrance-test or merit selection, after Class XII or equivalent, to a recognized higher-education course abroad.View source
The page states resident-Indian status, recognized overseas higher-education admission and entrance/merit selection after Class XII or equivalent.
Source
PNB Udaan Education Loan — current official page
Page / section
Eligibility
Accessed
5 Oct 2026
Confidence
high
Open official source ↗
MarginNil up to ₹4 lakh; 15% above ₹4 lakh. Scholarship/assistantship may count; margin may be contributed pro rata with disbursements.View source
The current page gives nil margin to ₹4 lakh, 15% above that, and scholarship/pro-rata rules.
Source
PNB Udaan Education Loan — current official page
Page / section
Margin
Accessed
5 Oct 2026
Confidence
high
Open official source ↗
SecurityUp to ₹7.50 lakh: parent/guardian joint borrower; no tangible security or third-party guarantee. Above ₹7.50 lakh: suitable tangible collateral plus parent/guardian joint borrower. Certain recognized overseas diploma/certificate courses require liquid security worth 125% of the loan and family financial credentials.View source
The page gives security terms by ₹7.50 lakh threshold and a separate 125%-liquid-security condition for specified courses.
Source
PNB Udaan Education Loan — current official page
Page / section
Security; recognized diploma/certificate-course exception
Accessed
5 Oct 2026
Confidence
high
Open official source ↗
Geographic limitsResident Indian admitted through entrance-test or merit selection, after Class XII or equivalent, to a recognized higher-education course abroad.View source
The manually reviewed product record states: “Resident Indian admitted through entrance-test or merit selection, after Class XII or equivalent, to a recognized higher-education course abroad.”.
Source
PNB Udaan Education Loan — official product page
Page / section
Published product metadata
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Interest rateMedical loans above ₹7.50 lakh with minimum 100% collateral: 8.10% p.a. (RLLR+BSP). Top-50 institutes with minimum 100% collateral: 8.10% floating and 9.10%/9.60% fixed by tenure. Other loans with minimum 100% collateral: 9.35% floating for non-female students or 8.85% for female students; fixed 10.35%/10.85% and 9.85%/10.35% by tenure. Loans up to ₹7.50 lakh under CGFSEL: 10.10%/9.60% floating and 11.10%/11.60% or 10.60%/11.10% fixed, by student category and tenure.View source
The current table separates fully collateralized medical, top-50, other-student and female-student rates, plus loans up to ₹7.50 lakh under CGFSEL.
Source
PNB interest rates on advances — Udaan section
Page / section
Education Loan for Study Abroad: PNB Udaan; current rate table
Accessed
5 Oct 2026
Confidence
high
Open official source ↗
Floating-rate benchmarkRLLR + BSPView source
The floating-rate entry is expressed as +; the previous value had an erroneous numeric suffix and is replaced with the formula only.
Source
PNB interest rates on advances — Udaan section
Page / section
Education Loan for Study Abroad: PNB Udaan; current rate table
Accessed
5 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • Need-based finance for eligible course expenses abroad
  • Nil margin up to ₹4 lakh; 15% above ₹4 lakh
  • No tangible security or third-party guarantee up to ₹7.50 lakh; suitable collateral is required above that amount
  • Repayment up to 15 years, with course period + 1 year moratorium
  • Studies-abroad processing fee: 1% of the loan, minimum ₹10,000, refundable after first disbursement

Eligibility

  • Resident Indian admitted through entrance-test or merit selection, after Class XII or equivalent, to a recognized higher-education course abroad. Certain recognized diploma/certificate courses are subject to the page's separate liquid-security condition.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • PNB's general education-loan checklist: bank-format application, photograph, student identity/address and age proof, (before disbursement if unavailable at sanction), qualifying-exam pass proof, admission letter and course prospectus with fees.
  • Passport and visa for overseas study; visa copy is required before first disbursement. Co-applicant/guarantor documents and other case- or purpose-specific papers where applicable.

Related official documents

Education Loans — PNB official catalogueofficial-product-page · current · accessed 30 Aug 2026
↗
PNB Education Loans — current official catalogueofficial-product-catalogue · reviewed · accessed 5 Oct 2026
↗
PNB loan application checklist — education and co-applicant sectionsofficial-document-checklist · reviewed · accessed 5 Oct 2026
↗
PNB Services Charges Related to Retail Advances — current scheduleofficial-fee-schedule · current · accessed 12 Sept 2026
↗
PNB Retail Advances — current Saraswati and Udaan rate matricesofficial-interest-rate-page · current · accessed 12 Sept 2026
↗
PNB service charges related to retail advances — education-loan rowofficial-fee-schedule · reviewed · accessed 5 Oct 2026
↗
PNB interest rates on advances — current education-loan sectionsofficial-interest-rate-page · reviewed · accessed 5 Oct 2026
↗
PNB Retail Advances Interest Ratesofficial-rate-sheet · current · accessed 30 Aug 2026
↗
PNB Udaan Education Loan — current pageofficial-product-page · current · accessed 12 Sept 2026
↗
PNB Udaan Education Loan — current official product pageofficial-product-page · reviewed · accessed 5 Oct 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

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Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

One monthly payment₹21,067twenty-one thousand sixty-seven rupees
Interest paid over the full loan₹25,56,046twenty-five lakh fifty-six thousand forty-six rupees
Everything you repay₹50,56,046fifty lakh fifty-six thousand forty-six rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

PNB Saraswati · Study destination / audienceHigher education in India

This value is copied from PNB education loans — current published rates and key terms. Check the table notes before relying on it.

Source: PNB current education rate table, product scheme pages and retail-advance charge schedule · Saraswati, Pratibha and Udaan rate rows; linked scheme and education-fee terms Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 3 rows · 5 columnsPNB education loans — current published rates and key termsCurrent official PNB education rate groups, margins/security and the relevant education-charge route. Institute- or borrower-specific conditions are kept in the cells.View tableHide table

Scroll sideways to view every column

PNB education loans — current published rates and key terms
ProductStudy destination / audienceCurrent interest-rate bandsMargin / securityPublished charges / finance
PNB SaraswatiHigher education in India8.10% medical route above ₹7.50 lakh with 100% collateral; otherwise 9.35%/8.85% floating when fully collateralized; CGFSEL up to ₹7.50 lakh: 10.10%/9.60% floating. Fixed bands depend on student category and tenure.Nil margin up to ₹4 lakh; 5% above. No tangible security/third-party guarantee up to ₹7.50 lakh; suitable tangible collateral above.Need-based course finance; India processing and documentation charges NIL.
PNB PratibhaListed premier institutes/programmes in IndiaFor loans above ₹7.50 lakh: floating 6.95%, 7.25% or 7.85% by institute group; fixed rates 7.95%–9.35% by group and tenure.Margin is linked to institute/course Annexure A/B; no universal scheme-wide percentage is stated on the product page. Parents/guardian are joint co-borrowers.Need-based finance subject to repayment capacity and institute terms; India processing and documentation charges NIL.
PNB UdaanEligible higher education abroad8.10% medical/top-50 routes; other fully collateralized routes 9.35%/8.85% floating; CGFSEL up to ₹7.50 lakh 10.10%/9.60% floating. Fixed bands depend on student category and tenure.Nil margin up to ₹4 lakh; 15% above. No tangible security/third-party guarantee up to ₹7.50 lakh; suitable collateral above.Need-based course finance; studies-abroad processing fee 1%, minimum ₹10,000, refundable after first disbursement.
PNB current education rate table, product scheme pages and retail-advance charge schedule · Saraswati, Pratibha and Udaan rate rows; linked scheme and education-fee terms · accessed 5 Oct 2026Open official source ↗
Table 2 · 6 rows · 5 columnsPNB Saraswati and Udaan — current education-loan rate bandsCurrent floating and fixed rates by medical/institute band, collateral, student category and amount.View tableHide table

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PNB Saraswati and Udaan — current education-loan rate bands
BandSaraswati floatingSaraswati fixedUdaan floatingUdaan fixed
Medical MBBS/MD/MS/PG above ₹7.50 lakh; minimum 100% collateral8.10% (+)—8.10% (+)—
100% collateral; non-female student9.35%10.35% up to 10 years; 10.85% above 10 years9.35%10.35% up to 10 years; 10.85% above 10 years
100% collateral; female student8.85%9.85% up to 10 years; 10.35% above 10 years8.85%9.85% up to 10 years; 10.35% above 10 years
CGFSEL-covered loan up to ₹7.50 lakh; non-female student10.10%11.10% up to 10 years; 11.60% above 10 years10.10%11.10% up to 10 years; 11.60% above 10 years
CGFSEL-covered loan up to ₹7.50 lakh; female student9.60%10.60% up to 10 years; 11.10% above 10 years9.60%10.60% up to 10 years; 11.10% above 10 years
Top 50 institute; minimum 100% collateral (Udaan-specific)——8.10%9.10% up to 10 years; 9.60% above 10 years
PNB current Saraswati and Udaan interest-rate sections · Saraswati and Udaan education-loan rate tables · accessed 5 Oct 2026Open official source ↗
Table 3 · 5 rows · 3 columnsPNB education-loan repayment and chargesCurrent repayment terms from the Saraswati and Udaan pages; education charges from PNB's current retail-advance schedule. A blank cell means the schedule gives no separate charge for that route.View tableHide table

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PNB education-loan repayment and charges
RulePNB Saraswati (India)PNB Udaan (abroad)
Maximum repaymentUp to 15 yearsUp to 15 years
Repayment holidayCourse period + 1 yearCourse period + 1 year
PrepaymentNILNIL
Processing/upfront feeNIL1% of loan amount; minimum ₹10,000; refundable after first disbursement
Documentation chargeNIL
PNB Saraswati and Udaan pages; current retail-advance charge schedule · Education Loan charge table (studies in India/abroad); repayment, moratorium and prepayment sections · accessed 5 Oct 2026Open official source ↗
Table 4 · 6 rows · 2 columnsPNB education-loan document checklistPNB's general education and co-applicant checklist. Which items apply depends on scheme, destination and case.View tableHide table

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PNB education-loan document checklist
Applicant / caseDocuments or timing condition
StudentPNB-format loan application; passport-size photo; identity/address proof under PNB ; age proof; (if unavailable at sanction, obtain before disbursement); proof of passing the last qualifying examination; admission letter; course prospectus with admission, examination and hostel charges.
Student, where applicableAadhaar where applicable; other information/documents depending on the case and loan purpose.
Studies abroadPhotocopy of passport and visa; visa copy is required before first education-loan disbursement.
Co-applicant/guarantor, as applicablePNB-format application; photo; identity/address and age proof; ; if an existing loan with another lender exists, its last 6 months' account statement and sanction letter.
Government interest-subsidy applicantIncome certificate from the designated State/UT authority, , Form 16 or audited accounts as required by the subsidy scheme.
Property-secured loan, if applicableTitle deed and other documents needed to prove title to the mortgaged immovable property.
PNB loan application checklist — education and co-applicant sections · Education Loan and Co-Applicant/Guarantor sections · accessed 5 Oct 2026Open official source ↗

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