Good fit
Families banking with PNB who have property to offer
Public sector bank · reviewed 2026-11
PNB Education Loan for Abroad Studies
Punjab National Bank (PNB) is a public sector bank. Wide branch network and public-bank rates; margin money applies. Here's what its abroad-study loan offers, who it suits, and how it compares — so you can decide before you visit a branch or apply online.
- No tangible security or third-party guarantee up to ₹7.5 lakh under PNB Udaan
- Usually 2–4 weeks with collateral
- Rate: ≈ 8.5%–10.5% a year in 2026 (floating)
- Compared with 2–3 alternatives
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Quick answer
PNB education loan for abroad studies
PNB Udaan (education loan for studies abroad). Need-based finance, subject to margin, as published for PNB Udaan. No tangible security or third-party guarantee up to ₹7.5 lakh under PNB Udaan; collateral above that. Interest: indicative ≈ 8.5%–10.5% a year in 2026 (floating); check PNB's current rate. Co-applicant: parent or guardian as co-borrower. It suits families banking with PNB who have property to offer.
Ask on WhatsAppUpdated · Reviewed by the Visa Edu Loans loan & visa desk
Official sources: PNB Udaan (studies abroad)
PNB loan at a glance
- Lender type
- Public sector bank
- Product
- PNB Udaan (education loan for studies abroad)
- Loan amount
- Need-based finance, subject to margin, as published for PNB Udaan
- Without collateral
- No tangible security or third-party guarantee up to ₹7.5 lakh under PNB Udaan; collateral above that
- Interest rate
- Indicative ≈ 8.5%–10.5% a year in 2026 (floating); check PNB's current rate
- Typical time to sanction
- Usually 2–4 weeks with collateral
Official terms
What PNB publishes
Quoted from PNB's own website, checked on 9 November 2026. Lenders revise these often; your sanction letter is final.
Official source: PNB Udaan (studies abroad) — rules change; always confirm current requirements.
Key terms
PNB education loan: key terms
Limits and rates change; confirm the current terms on the lender's official page or your sanction letter.
Official source: PNB Udaan (studies abroad) — rules change; always confirm current requirements.
Fit
Who a PNB loan suits
Good fit
North India applicants with a nearby branch
Watch out
15% margin money is commonly applied on abroad loans above ₹4 lakh
Watch out
Collateral-free amounts are limited
Repayment
EMI on a ₹50 lakh PNB loan
Illustrative at 9.5% (the middle of the indicative range). Your rate depends on your profile.
Compare
How PNB compares
Process
How to get a PNB loan with our help
- 01
Profile check
We check your university, course and co-applicant against PNB's policy and 2–3 alternatives.
- 02
Documents
One checklist for the student, co-applicant and any collateral.
- 03
Branch application and valuation
The bank verifies documents and, for secured loans, values the property and runs a legal check.
- 04
Sanction letter
We review the rate, fees, margin and moratorium before you accept.
- 05
Visa and disbursement
Use the sanction for the visa; tuition is paid directly to the university.
- Admission letter and university cost sheet (or I-20 / CAS)
- Student and co-applicant PAN, Aadhaar and passport
- Academic records and test scores
- Co-applicant income proof: salary slips and Form 16, or 2–3 years of ITRs
- Last 6 months' bank statements
- Property documents for secured loans (title deed, tax receipts, encumbrance certificate)
FAQs
Frequently asked questions
Still have a question?
Ask a counsellor directly — we reply on WhatsApp during working hours (Mon–Sat, 9 AM–6 PM IST).
Need-based finance, subject to margin, as published for PNB Udaan. The amount you get depends on your cost of attendance, collateral and co-applicant income.
No tangible security or third-party guarantee up to ₹7.5 lakh under PNB Udaan; collateral above that.
Indicative ≈ 8.5%–10.5% a year in 2026 (floating); check PNB's current rate. Floating, linked to PNB's repo-linked lending rate.
Yes: parent or guardian as co-borrower.
Usually 2–4 weeks with collateral. A complete file is the biggest factor in speed.
No. We're an independent consultancy: we compare PNB with other lenders for your profile and help you prepare the file. The lender makes every credit decision.
Explore
Keep exploring
Lenders
Other lenders
- SBI education loan· Public sector bank
- Bank of Baroda education loan· Public sector bank
- Canara Bank education loan· Public sector bank
- Union Bank education loan· Public sector bank
- Bank of India education loan· Public sector bank
- HDFC Bank education loan· Private bank
- ICICI Bank education loan· Private bank
- Axis Bank education loan· Private bank
- IDFC FIRST education loan· Private bank
- Credila education loan· NBFC (non-bank lender)
Guides
Education loan guides
- How Much Education Loan Can I Get to Study Abroad?
- Is a Co-Applicant Mandatory for an Education Loan?
- Education Loan Without a Co-Applicant for Abroad Studies
- Education Loan Interest Rates for Abroad Studies
- Education Loan Tax Benefit: Section 80E and Section 129
- Education Loan Moratorium Period Explained
- All education loan guides
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