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SBI LOAN Application

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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)

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. MOTHER’S FULL NAME x-x-x-x-x-x x-x-x-x-x-x

5. FATHER’S / HUSBAND’S FIRST

NAME

6. FATHER’S / HUSBAND’S

MIDDLE NAME

7. FATHER’S / HUSBAND’S LAST

NAME

8. RELATIONSHIP WITH

STUDENT

x-x-x-x-x-x

9. DATE OF BIRTH

(DD/MM/YYYY)

10. RELIGION

HINDU / MUSLIM / CHRISTIAN

/ SIKH / PARSI / BUDDHIST /

JAIN / OTHERS

HINDU / MUSLIM /

CHRISTIAN / SIKH /

PARSI / BUDDHIST / JAIN

/ OTHERS

HINDU / MUSLIM /

CHRISTIAN / SIKH / PARSI /

BUDDHIST / JAIN / OTHERS

11. CASTE CATEGORY

SC / ST / OBC / GENERAL /

OTHERS

SC / ST / OBC /

GENERAL / OTHERS

SC / ST / OBC / GENERAL

/ OTHERS

12. GENDER

MALE / FEMALE /

THIRD GENDER

MALE / FEMALE /

THIRD GENDER

MALE / FEMALE /

THIRD GENDER

13. MARITAL STATUS SINGLE / MARRIED x-x-x-x-x-x SINGLE / MARRIED

14. HIGHEST EDUCATIONAL

QUALIFICATION

15. MARKS %AGE OBTAINED IN

HIGHEST QUALIFICATION

x-x-x-x-x-x x-x-x-x-x-x

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)

Signed

photograph of

Student

Signed

photograph of

Father/ Husband

Signed

photograph of

Co-applicant

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

[TICK (√) OPTIONS AS APPLICABLE] 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

() DETAILS OF THE COURSE / STUDY [TICK (√) OPTIONS WHEREVER APPLICABLE]

1. ADMISSION TYPE MERIT / MANAGEMENT QUOTA

2. COURSE CATEGORY GRADUATION / POST-GRADUATION/ PHD DEGREE / DIPLOMA/ 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

(X) INCOME CERTIFICATE FOR AVAILING OF INTEREST SUBSIDY BENEFIT

SCHEME MAXIMUM GROSS PARENTAL/

GUARDIAN INCOME

ELIGIBLE INCOME CERTIFICATE

ATTACHED*

Central scheme for Interest subsidy on education Loans for

Economically Weaker Sections (CSIS) for studies in India Rs. 4 0 lakhs YES / NO YES / NO

Padho Pradesh scheme of Interest Subsidy on Education Loan for

Overseas studies for Minority Communities (Sec 2 of National

Commission For Minority Act, 1992)

Rs. 6 lakhs YES / NO YES / NO

Dr. Ambedkar Central Sector Scheme of Interest Subsidy on

Education Loan for Overseas studies for OBCs & EBCs**

Rs. 8 lakh for OBC

Rs. 2 lakh for EBC YES / NO YES / NO

* 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/We undertake and declare that I/we will comply with the Foreign Exchange Management Act, 1999 (‘FEMA’) and the applicable rules, 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 the Student Signature of the Parent / Husband Signature of the Co-borrower / 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

####### NO., ROAD NAME,

####### LOCALITY, CITY, PIN,

####### DISTRICT, STATE)

ADDRESS (HOUSE

####### NO., ROAD NAME,

####### LOCALITY, CITY, PIN,

####### DISTRICT, STATE)

CONTACT NO. CONTACT NO.

(XIII) FOR OFFICE USE ONLY

At Branch / OSF -

Signature/s of the applicant/s obtained in

our presence and verified and sent to RBO/

RACC/ RACPC on ___________________ Name & Signature ( Branch / OSF)

At RBO/RACC/ RACPC

(Data related to CIF Creation)

VIP Code

( 0 for No , 1 for Yes)

Customer Type -

Personal

Relative Code

(father /

spouse)

Greetings required

Occupancy (home

owner, tenant, etc.)

Customer evaluation

required

CIS Organization code Segment Code CIC Reference

made

Date _______________

SIGNATURE OF THE APPRAISING OFFICER

Annexure-I

DOCUMENTS REQUIRED [TICK (√) OPTIONS WHEREVER APPLICABLE]

 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

 Copies of letter conferring scholarship, free-ship, etc. YES / NO

 Gap certificate, if applicable YES / NO

 Passport size photographs of Student / Parent / Co-borrower / Guarantor (2 copies each) YES / NO

 Asset-Liability Statement of Co-applicant / Guarantor YES / NO

 Latest Salary Slip & Form 16 (For Salaried Persons) YES / NO

 ITAO / IT Returns for last 2 years ( if IT Payee) duly accepted by ITO YES / NO

 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 collateral security / Photocopy of Liquid Security offered as collateral YES / NO

 Permanent Account Number (PAN) of Student / Parent / Co-borrower / Guarantor 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 licence 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]

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