ANNEXURE-1

STATE BANK OF INDIA

APPLICATION CUM APPRAISAL FORM FOR EDUCATION LOAN
[PLEASE COMPLETE ALL PARTICULARS IN BLOCK LETTERS AND TICK ( ) OPTIONS WHEREVER APPLICABLE]
SOURCED BY ELC: YES/ NO
ELC NAME: ________________________________
ELC CODE: ________________________________
CIF NO. (FOR OFFICE USE) Signed Signed Signed
photograph of photograph of photograph of
Student Father/ Husband Co-applicant
JOINT SB ACCOUNT NO. (FOR OFFICE USE)

LOAN ACCOUNT NO. (FOR OFFICE USE)

( ) PERSONAL INFORMATION OF THE APPLICANTS

PARTICULARS STUDENT FATHER / HUSBAND CO-APPLICANT
1. FIRST NAME

2. MIDDLE NAME

3. LAST NAME

4. x-x-x-x-x-x x-x-x-x-x-x
5
NAME

MIDDLE NAME

NAME
8. RELATIONSHIP WITH
x-x-x-x-x-x
STUDENT
9. DATE OF BIRTH
(DD/MM/YYYY)
HINDU / MUSLIM / HINDU / MUSLIM /
HINDU / MUSLIM /
CHRISTIAN / SIKH / CHRISTIAN / SIKH /
10. RELIGION CHRISTIAN / SIKH / PARSI /
PARSI / BUDDHIST / PARSI / BUDDHIST
BUDDHIST / JAIN / OTHERS
JAIN / OTHERS / JAIN / OTHERS
SC / ST / OBC / GENERAL / SC / ST / OBC / SC / ST / OBC /
11. CASTE CATEGORY
OTHERS GENERAL / OTHERS GENERAL / OTHERS
MALE / FEMALE / MALE / FEMALE / MALE / FEMALE /
12. GENDER
THIRD GENDER THIRD GENDER THIRD GENDER
13. MARITAL STATUS SINGLE / MARRIED x-x-x-x-x-x SINGLE / MARRIED
14. HIGHEST EDUCATIONAL
QUALIFICATION
15. MARKS %AGE OBTAINED IN x-x-x-x-x-x x-x-x-x-x-x
HIGHEST QUALIFICATION
16. OCCUPATION
17. INCOME FROM ALL
SOURCES (Rs.)
18. PAN NO.
19. AADHAAR NO.
(MANDATORY IF ELIGIBLE FOR
SUBSIDY BENEFIT)
20. PASSPORT NO.
(MANDATORY FOR STUDIES
ABROAD)
21. OTHER OVD, IF ANY
(refer to annexure-I)
22. PRESENT ADDRESS
(HOUSE NO., ROAD NAME,
LOCALITY, CITY, PIN CODE,
DISTRICT, STATE)

Annex. Page- 1
23. OFFICE ADDRESS
(HOUSE NO., ROAD NAME,
LOCALITY, CITY, PIN CODE,
DISTRICT, STATE)
24. PERMANENT ADDRESS
(HOUSE NO., ROAD NAME,
LOCALITY, CITY, PIN CODE,
DISTRICT, STATE)

25. CONTACT NUMBER

26. MOBILE NUMBER
27. E-MAIL ID
28. ADDRESS FOR CORRESPONDENCE
RESIDENTIAL ADDRESS / OFFICE ADDRESS / PERMANENT ADDRESS
( ) PRESENT BANKER DETAILS
PARTICULARS STUDENT FATHER / HUSBAND CO-APPLICANT
1. NAME OF THE BANK
2. BANK BRANCH WITH IFSC
3. SB / OD ACCOUNT NO.
4. DIRECT / INDIRECT LIABILITY
DETAILS
5. WHETHER RELATED TO CHAIRMAN / DIRECTORS / EMPLOYEE OF OUR
BANK OR ANY OTHER BANKS. IF YES, DETAILS OF RELATIONSHIP
(
1. ADMISSION TYPE MERIT /
MANAGEMENT QUOTA
DEGREE / DIPLOMA/
2. COURSE CATEGORY GRADUATION / POST-GRADUATION/ PHD
CERTIFICATE
3. NAME OF THE COURSE
4. NAME OF THE INSTITUTION & UNIVERSITY
5. WHETHER COURSE IS FOR STUDIES ABROAD YES / NO

6. ADDRESS OF THE INSTITUTION (CITY, PIN,

DISTRICT, STATE, COUNTRY)

7. RANKING OF THE INSTITUTION / COURSE

8. DURATION OF COURSE
9. DATE OF COMMENCEMENT OF COURSE
10. DATE OF COMPLETION OF COURSE

( V) COST OF COURSE / SOURCE OF FINANCE: (ALL AMOUNTS IN Rs.)

PARTICULARS YEAR 1 YEAR 2 YEAR 3 YEAR 4 YEAR 5 TOTAL
1. TUITION FEES
2. OTHER FEES PAYABLE
TO INSTITUTION
3. BOOKS/STATIONERY
4. EQUIPMENT /
COMPUTER
5. HOSTEL/ BOARDING/
LODGING EXPENSES
6. SUNDRIES / TRAVEL
7. TOTAL
8. OWN SOURCE /
SCHOLARSHIP
9. INSURANCE PREMIUM FOR FULL LOAN TENURE
10. LOAN REQUIRED
(V) DETAILS OF SECURITY OFFERED (FOR LOANS ABOVE Rs. 7.50 LACS)
A) IMMOVABLE PROPERTY
TITLE DEED IN THE NAME OF ADDRESS

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 ESTIMATED
PLOT / FLAT /
LEASE / FREEHOLD DATED MARKET
HOUSE NO.
VALUE

B) VEHICLE / CAR (PLEASE

GIVE DETAILS INCLUDING
REGISTRATION No., etc)
C) OTHER SECURITIES
ESTIMATED
TYPE OF THE
SERIAL NO. NAME OF THE HOLDER MATURITY VALUE MARKET
SECURITY
VALUE

(V ) PROPOSED / PREFERRED REPAYMENT PERIOD

NUMBER OF INSTALMENTS (UPTO 180 MONTHS):

(V
1. DO YOU HAVE AN EXISTING RELATIONSHIP WITH
SBI? IF SO, DETAILS THEREOF
2. IS ANY GUARANTEE GIVEN TO SBI / OTHER BANK? YES / NO IF YES, DETAILS THEREOF
(V I) PERSONAL INFORMATION OF GUARANTOR (if applicable)
1. FULL NAME
2.
Signed
3. DATE OF BIRTH (DD/MM/YYYY) photograph of
4. GENDER MALE / FEMALE / THIRD GENDER Guarantor
5. PAN No.
6. ANY ONE OVD (refer to annexure-I)
7. OCCUPATION
8. INCOME FROM ALL SOURCES (Rs.)
9. PRESENT ADDRESS
(HOUSE NO., ROAD NAME, LOCALITY, CITY, PIN CODE, DISTRICT, STATE)

10. OFFICE ADDRESS

(HOUSE NO., ROAD NAME, LOCALITY, CITY, PIN CODE, DISTRICT, STATE)

11. PERMANENT ADDRESS

(HOUSE NO., ROAD NAME, LOCALITY, CITY, PIN CODE, DISTRICT, STATE)
12. CONTACT NUMBER
13. MOBILE NUMBER
BANK ACCOUNT DETAILS
1. NAME OF THE BANK
2. BANK BRANCH WITH IFSC
3. SB / OD ACCOUNT NO.
4. DIRECT / INDIRECT LIABILITY DETAILS
(IX) CONSENT FOR INSURANCE COVER
WHETHER AVAILING OF SBI RINN RAKSHA INSURANCE COVER : YES / NO [If YES, consent letter to be attached]
(X) INCOME CERTIFICATE FOR AVAILING OF INTEREST SUBSIDY BENEFIT

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 SCHEME MAXIMUM GROSS ELIGIBLE INCOME
PARENTAL/ GUARDIAN CERTIFICATE
INCOME ATTACHED
Central scheme for Interest subsidy on education Loans for
Rs. 4.50 lakhs YES / NO YES / NO
Economically Weaker Sections (CSIS) for studies in India *
Padho Pradesh scheme of Interest Subsidy on Education
Loan for Overseas studies for Minority Communities (Sec 2 Rs. 6.00 lakhs YES / NO YES / NO
of National Commission For Minority Act, 1992)**
Dr. Ambedkar Central Sector Scheme of Interest Subsidy on Rs. 8.00 lakh for OBC
YES / NO YES / NO
Education Loan for Overseas studies for OBCs & EBCs** Rs. 2.50 lakh for EBC
* For availing Interest Subsidy benefit, Income proof is required from authorised Public Authority of the State/UT Government.
** ITR/ Form 16/ Audited Accounts can also be submitted as Income Proof for availing subsidy benefit.
Note 1: Subsidy benefit will be available only from the date of submission of income proof.
Note 2: Interest Subsidy benefit is available for select courses/ institutions as prescribed by Government under respective scheme.
(XI) DECLARATION
I / We hereby apply for a loan from SBI to the extent indicated in the Section (IV) of this application form. I / We declare that the foregoing particulars and
information furnished in this application form are true, accurate and complete and that they shall form the basis of any loan SBI may decide to sanction to
me / us. I / We confirm that I / we have / had no insolvency proceedings against me / us. Nor have, I / we been adjudicated insolvent. I / We further confirm
that I / we have read the terms and conditions and understood the contents therein. I / We am / are aware that the Equated Monthly Instalment (EMI) will
comprise Principal and Interest based on State Bank Marginal Cost of Funds based Lending Rate (MCLR), which is subject to change/reset from time to time.
I / We agree that SBI may at its discretion conduct discreet inquiries in respect of this application. I / We undertake to inform as to any change in my / our
occupation / employment, residential / official address/ mobile number and to provide any further information that the Bank may require. SBI will be at
liberty to take such action as it may deem necessary if my / our above statements are found to be untrue. I / We agree that SBI shall have the sole discretion
to reject my / our loan application / reduce loan amount without assigning any reason thereof. I / We further agree that my / our loan transactions shall be
governed by the rules of SBI which may be in force from time to time. I / We also hereby give my / our consent to send the application to Processing Centre
for sanction if in order and disbursement on sanction from Processing Centre or any Branch as per process prescribed by SBI. I may carry out future
transactions at the above-mentioned Branch as Home Branch. I/ We agree that I/ We will bear the charges of Vidya Lakshmi Portal (VLP) as prescribed by
Government of India once loan is sanctioned/ disbursed. I/We agree to receive SMS alerts related to my/our application status and account activity as well
as product use messages that the Bank will send, from time to time, on my/our mobile phone number as mentioned in this application form.
I les, regulations,
notifications, directions or orders made there under and any amendments thereof. I/We undertake to intimate the Bank before proceeding overseas on
permanent employment and/or emigrating and/or changing my/our nationality.
I/We agree and give consent for the disclosure by SBI of all or any such; (a) information and data relating to me/us (b) the information or data relating to any
credit facility availed of/to be availed of by me/us and (c) default, if any, committed by me/us in discharge of my/our such obligation, as SBI may deem
appropriate and necessary, to Credit Information Companies (CICs) and any other agency authorised in this behalf by Reserve bank of India / Government of
India/ SBI. I/We also understand that the Bank is at the liberty to get confirmed any details furnished by me/us and also to intimate to my/our
DDO/Department Head/CEO, the details of any of the loans sanctioned/disbursed to me/us and I/we accordingly convey my/our consent for such disclosures.
I/ WE undertake to submit PAN details within 6 months from loan sanction in case PAN details are not submitted with this application by me/ us.

I / WE DECLARE THAT I / WE HAVE NOT AVAILED OF ANY LOAN FOR THE SAME COURSE FROM OTHER BANK/ FINANCIAL INSTITUTION.

Signature of Student Signature of Father / Husband Signature of Co-applicant Signature of

Guarantor
Place:
Date:

(XII) REFERENCES
(NAMES & ADDRESSES OF TWO REFEREES WHO ARE NOT RELATED TO YOU AND MAINTAINING SATISFACTORILY CONDUCTED BANKING RELATIONSHIP FOR OVER ONE YEAR /
RESPECTABLE IN SOCIETY) State Bank of India may make enquiries from the referees if it deemed necessary
REFERENCE 1 REFERENCE 2
NAME NAME
ADDRESS (HOUSE ADDRESS (HOUSE
NO., ROAD NAME, NO., ROAD NAME,
LOCALITY, CITY, PIN, LOCALITY, CITY, PIN,
DISTRICT, STATE) DISTRICT, STATE)
CONTACT NO.
CONTACT NO.

(XIII) FOR OFFICE USE ONLY

Signature/s of the applicant/s obtained in
At Branch / OSF - our presence and verified and sent to RBO/
RACC/ RACPC on ___________________ Name & Signature (Branch / OSF)
Relati
ve
At RBO/RACC/ RACPC VIP Code Customer Type -
Code
(Data related to CIF Creation) ( 0 for No , 1 for Yes) Personal
(fathe
r/

Annex. Page- 4
 spous
e)
Customer
Occupancy (home
Greetings required evaluation
owner, tenant, etc.)
required
CIC Reference
CIS Organization code Segment Code
made

Date _______________

SIGNATURE OF THE APPRAISING OFFICER

Mark sheet of 10th, 12th , Graduation (if applicable), Entrance Exam Result YES / NO
Proof of admission to course [ Offer Letter/ Admission Letter/ ID card if available] YES / NO
Schedule of expenses for course YES / NO
Copy of letter conferring scholarship, free-ship, etc. YES / NO
Gap certificate, if applicable (self-declaration from student for gap in studies) YES / NO
Passport size photograph of Student / Parent / Co-borrower / Guarantor (1copy each) YES / NO
Asset-Liability Statement of Co-applicant / Guarantor (Applicable for loans above Rs. 7.50 lacs) YES / NO
For Salaried Persons (a) Latest Salary Slip (b) Form 16 OR Latest IT Return ( ITR V) YES / NO
For other than Salaried Persons (a) Business address Proof (if applicable) (b) Latest IT Return (ITR V) ( if
YES / NO
applicable)
Bank Account Statement for the last six months of Parent / Guardian/ Guarantor YES / NO
Copy of Sale Deed and other documents of title to property in respect of immovable property offered as
YES / NO
collateral security / Photocopy of Liquid Security offered as collateral
Permanent Account Number (PAN) of Student / Parent / Co-borrower / Guarantor YES / NO
AADHAAR (mandatory, if eligible under various interest subsidy schemes of GOI ) YES / NO
Passport (mandatory for Studies Abroad ) YES / NO
Submission of OVD (refer to table below) YES / NO
At least one self-attested copy of the Officially Valid Documents (OVD) mentioned below to be submitted, as proof of identity and address:
i. Passport,
ii. Driving license,
iii. Proof of possession of Aadhaar Number,
iv. Voter's Identity Card issued by Election Commission of India,
v. Job card issued by NREGA duly signed by an officer of the State Government,
vi. Letter issued by the National Population Register containing details of name and address

If the OVD furnished by the customer does not contain updated address, the following documents shall be deemed to be OVDs for the limited
purpose of proof of address:
i. Utility bill which is not more than two months old of any service provider (electricity, telephone, post-paid mobile phone, piped gas,
water bill);
ii. Property or Municipal tax receipt;
iii. Pension or family pension payment orders (PPOs) issued to retired employees by Government Departments or Public-Sector
Undertakings, if they contain the address;
iv. Letter of allotment of accommodation from employer issued by State Government or Central Government Departments, statutory
or regulatory bodies, public sector undertakings, scheduled commercial banks, financial Institutions, listed companies and lease and
license agreements with such employers allotting official accommodation.
[Provided that the customer shall submit OVD updated with current address within a period of three months of submitting the above documents ]

Annex. Page- 5
 EDUCATION LOANS
Checklist of Documents submitted along-with Loan Application Form

Student - Applicant: (Self-attested documents)

i. Academic Records:
10th Result 12th Result Graduation Result- Semester-wise (if applicable)
Entrance Exam Result _____________________________ (mention the Test taken)
ii. Proof of admission: Admission Letter/ Offer Letter (studies abroad only) / ID card (for
reimbursement cases)
iii. Copies of letter conferring scholarship, free-ship, etc.
iv. Schedule of expenses
v. Gap certificate (Self declaration from student for gap in studies)
vi. 1 passport-size photographs
vii. Passport (mandatorily for Studies Abroad)
viii. PAN Card
ix. AADHAAR card (mandatory, if eligible under various interest subsidy schemes of GOI)
x. OVD: _________________________
xi. If any other existing loan from other Banks/Lenders, then Loan A/C statement for last 6 months
xii. Income proof @ : (a) Latest Salary Slip (b) Form 16 OR IT Return (ITR V)
@ Applicable for loans to Working Executives

Co Applicant / Guarantor: (Self-attested documents)

i. PAN Card
ii. OVD: _________________________
iii. 1 passport-size photographs
iv. If any other existing loan from other Banks/Lenders, then Loan A/C statement for last 6 months
v. Asset-Liability Statement (Applicable for loans above Rs 7.50 lacs)

Income Proof for Salaried Co-applicant / Guarantor (Self-attested documents)

i. Latest Salary Slip
ii. Copy of latest Form 16 OR copy of IT Return (ITR V)
iii. Bank account statement for last 6 months (of Salary Account)
Income Proof for Self-employed Co-applicant / Guarantor Self-attested documents)
i. Business address proof (If applicable)
ii. Latest IT Return (ITR V), if applicable.
iii. Bank account statement for last 6 months (if applicable)

Major Documents for Collateralized Loans

For Land/ building offered as collateral-
i. Copy of Title Deeds of the property
ii. Copy of any other property related document(s) (if applicable) __________________________
If Liquid Security offered as collateral, photocopy of same to be enclosed

For Loans above Rs. 4 lacs and upto Rs. 20 Lacs for studies abroad: DD/ Cheque of Rs. 5000/-
Loan Processing Fee #: DD/ Cheque of Rs. 11,800/- (Rs. 10,000 processing fee +18% GST)
# Applicable for Global Ed-Vantage/ Student Loans above Rs. 20 Lacs
Legal / Valuation Charges: As applicable for the centre (DD/Cheque)

Date: _________________________ (______________________)

Branch Name: __________________ Branch Head

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