Yes, Punjab National Bank provides education loans for various international universities. If your university is not on the pre-approved list, Lorien Finance can assist in getting it evaluated for loan eligibility.
Punjab National Bank Abroad Education Loan
Bank
Upto 10 days Loan Processing Time
Margin
15%
Processing Fees
1% + GST
Collateral
Upto 100% of EC
Non-Collateral
NA
Repayment Tenure
Upto 15 years
Cosigner Needed
Yes
Interest Rate
Starting from 8.25%
Countries covered
USA, UK, Australia, Canada, and many more
Features of Punjab National Bank
Education Loan Abroad
Partnering with Punjab National Bank, one of India’s most trusted financial institutions, Lorien Finance takes another step forward in making global education accessible. With a legacy of over a century in banking excellence, PNB brings reliable and student-friendly education loan solutions that cater to every aspirant’s study abroad needs.
Through this partnership, students can benefit from competitive interest rates, flexible repayment options, and seamless loan processing, ensuring a smooth financial journey from application to graduation. Whether it’s tuition fees, living expenses, or other academic costs, PNB’s robust financial backing combined with Lorien Finance’s personalised support helps students achieve their international education dreams without financial hurdles.
| Features | Education Loan Details |
|---|---|
| Loan amount | Upto 100% of EC (Collateral) |
| Margin money | 15% |
| Interest rate | Starting from 8.25% |
| Processing fees | 1% + GST |
| Processing time | 10 days |
| Loan tenure | Upto 15 years |
| Prepayment charges | NIL |
| Countries covered | Punjab National Bank provides overseas education loans in numerous countries including USA, UK, Australia, Canada, Germany, Ireland, New Zealand, and many more. |
| Moratorium | Study period + 12 Months |
Types of Education Loans by Punjab National Bank
Punjab National Bank offers only secured loans for studying abroad. Their loan offerings also include:
PNB Saraswati: Designed to provide financial support to meritorious students pursuing higher education in India.
PNB Pratibha: Education loan scheme specifically for students attending premier institutes.
PNB Udaan: Education loan scheme for students pursuing higher education abroad.
PNB Kaushal: Education loan scheme for students pursuing vocational education & training.
PNB Pravasi Shiksha Loan: Education loan scheme for Overseas Citizens in India (OCI), Person of Indian Origin (PIO), and students born abroad who are pursuing higher education in India.
Benefits of Punjab National Bank Education Loan
Low-Interest Rate Education Loans
No Hidden Charges or Complex Paperwork
Quick Loan Disbursal
Flexible Repayment Options
How to Apply for Punjab National Bank Education Loan Online
With Punjab National Bank's (PNB) seamless education loan process, you can now achieve your abroad education dreams easily. Follow these simple steps to apply for a PNB education loan online and fund your overseas education effortlessly.
Start Your Online Loan Application
Visit the PNB WebLenS portal to begin your education loan application. This student-friendly online platform ensures a quick and hassle-free experience.
Fill Out the Loan Application Form
Provide accurate details such as:
- Personal Information (Name, DOB, Contact Details)
- Educational Details (University, Course, Country of Study)
- Loan Amount Required
Submit Required Documents
Ensure you have all necessary documents ready for faster approval:
- Identity Proof – Aadhaar Card, Passport, Voter ID, or Driving License
- Address Proof – Utility bills, Passport, or Aadhaar Card
- Academic Records – University admission letter, fee structure
- Financial Proof – Bank statements, salary slips, ITR, or Form 16
Loan Verification & Approval
PNB will verify your documents, assess eligibility, and structure the education loan offer tailored to your financial needs.
Accept & Get Loan Disbursed
Once you accept the loan terms, PNB will process the disbursement directly to your university or your account as per the approved loan terms.
If this process feels overwhelming, Lorien Finance can simplify it for you. Apply with us and get your PNB education loan in just a few minutes!
Why choose Lorien Finance to get an Education Loan from Punjab National Bank?
Best loans at unbeatable interest rates: Lorien Finance strives to bring you the best possible deals for your study abroad loans. Our experts negotiate on your behalf to get education loans at the lowest possible interest rates.
Effortless Process: All you need to do is fill out the form on Lorien Finance’s website. Yes, it’s that simple! Our team will take it up from there, making it a hassle-free process for you.
100% Free Assistance: Lorien doesn’t charge any processing fee or commission for helping you finance your study abroad journey!
Quicker Loans: With constant application tracking and status updates, our experts ensure that your education loan for studying abroad gets sanctioned as early as possible.
Higher chances of approval: In case of any missing documents or other issues, Lorien’s team promptly reaches out to the bank to find solutions to increase your chances of getting a study loan for your overseas education.
Helping you fulfil your study abroad dream!
Fill out the form so our team can get in touch with you!
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Eligibility Criteria For Punjab National Bank Education Loan Abroad
Eligibility Criteria for Student & Co-applicant:
- Applicant must be an Indian citizen of at least 18 years.
- Applicant must have secured admission to a higher education course in a recognised institution abroad through entrance test/ merit based selection process after the completion of HSC (10 plus 2 or Equivalent).
- A creditworthy co-applicant who earns in India is mandatory.
For Applicant:
- PNB application form
- Vidya Laxmi form
- Admission offer letter
- Proof of identity (PAN Card, Aadhaar, passport)
- Academic records
- Scores of proficiency exams like IELTS/TOEFL/GRE/GMAT
- Passport size photographs
For Co-applicant:
- PAN Card and Aadhaar card
- Income proof and IT returns
- Property documents for collateral loans
Documents Required
Punjab National Bank's Privacy Policy: Click here to know more
Punjab National Bank: Experience The Lorien Way
Through Lorien Finance, students enjoy a seamless PNB loan application process with expert assistance, reduced turnaround times, and a hassle-free experience that prioritises their educational journey.
| Benefit | With Lorien Finance | Without Lorien Finance |
|---|---|---|
| Provision of personalised document checklist | Yes | No |
| Loan sanction time | 2 days | 8-10 days |
| Application accuracy and support | Yes | No |
Empower your academic aspirations with PNB’s flexible education loans, enhanced by Lorien Finance’s personalised guidance and digital ease. Achieve your study abroad goals with comprehensive funding solutions and faster disbursements.
FAQs
Bringing answers to your questions!
Can I apply for a PNB education loan if my university is not on their approved list?
What is the maximum loan amount I can apply for?
PNB offers education loans up to ₹1.5 crores with collateral, depending on the course, university, and country you wish to study in.
How long does it take for the loan to be approved and disbursed?
The approval process typically takes 7-10 working days, provided all documents are submitted correctly. Disbursement is done directly to the university or student as per the loan terms.
What expenses does the PNB education loan cover?
PNB abroad education loans cover tuition fees, living expenses, travel costs, books, laptops, exam fees, and other necessary expenses.
What happens if my visa is rejected after loan approval?
If your visa is rejected, you must inform the bank immediately. In most cases, the loan is cancelled with minimal processing charges, provided the disbursement has not taken place.
How can Lorien Finance help me get my PNB education loan faster?
Lorien Finance simplifies the loan process by helping you with documentation, loan structuring, and faster approval. Our team ensures you get your PNB education loan in just a few minutes!
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Lorien’s Success Stories
Real Dreams: Real Achievements
I'm Sambhavi, currently working at Deloitte. Lorien Finance helped me secure an education loan for my Master's in Business Analytics at the University...
Sambhavi
I want to express my utmost satisfaction and gratitude to Lorien Finance for their exceptional services....
Rachna
Thanks to Lorien Finance, I was able to secure an education loan without any hassle. Their online application process made it convenient for me to app...
Sharikha
I'm Sambhavi, currently working at Deloitte. Lorien Finance helped me secure an education loan for my Master's in Business Analytics at the University...
Sambhavi
I want to express my utmost satisfaction and gratitude to Lorien Finance for their exceptional services....
Rachna
Thanks to Lorien Finance, I was able to secure an education loan without any hassle. Their online application process made it convenient for me to app...
Sharikha
Finding suitable accommodation in a foreign country can be challenging, but Lorien Finance made it a breeze. Their partnership with reliable housing p...
Sriram
It was a good experience with Lorien Finance throughout the process they helped me in every step and made the process hassle-free and helped me to g...
Rama
I am immensely grateful to Lorien Finance for their exceptional service in securing my abroad education loan seamlessly. Their efficiency and dedicati...
Ayesha
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Disclaimer: Lorien Finance is a loan advisory platform that connects applicants with regulated financial institutions, including banks and NBFCs. Loan approval, terms, and interest rates are solely determined by our lending partners and are subject to their internal credit policies. Lorien Finance does not charge applicants any upfront fees and does not guarantee loan approval or interest rates.
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Disclaimer:
Lorien Finance is a loan advisory platform that connects applicants with regulated financial institutions, including banks and NBFCs. Loan approval, terms, and interest rates are solely determined by our lending partners and are subject to their internal credit policies. Lorien Finance does not charge applicants any upfront fees and does not guarantee loan approval or interest rates.
Important Links : Sachet Portal
