Avanse Education Loan Documents Required – Complete 2025 Checklist
July 09, 2025
Sohan
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To apply for an Avanse education loan in 2025, you’ll need to submit documents for both the student (applicant) and the co-applicant. These include identity proof, income proof, academic records, admission letter, and financial documents. Additional documents are required if you're applying with collateral.
This guide provides the complete checklist to help you avoid delays and get your loan approved faster.
Full Checklist: Avanse Education Loan Documents (2025)
🔹 1. Student (Applicant) Documents
| Document Type | Accepted Proof |
|---|---|
| ID Proof | Aadhaar Card / Passport / PAN Card |
| Address Proof | Aadhaar / Passport / Utility Bill |
| Academic Records | 10th, 12th, UG/PG mark sheets & certificates |
| Entrance Exam Scores | GRE / GMAT / IELTS / TOEFL (if applicable) |
| Admission Letter | Offer or conditional letter from university |
| Course Fee Structure | University-issued tuition & living cost breakdown |
| Passport & Visa (if available) | For final disbursal |
| Resume / CV | For postgraduate applicants |
2. Co-Applicant Documents
(Parent, Guardian, or Sponsor)
| Document Type | Accepted Proof |
|---|---|
| ID Proof | PAN Card, Aadhaar Card |
| Address Proof | Aadhaar / Passport / Voter ID / Utility Bill |
| Income Proof – Salaried | Last 3 months' salary slips, Form 16, ITR for 2 years |
| Income Proof – Self-employed | Business registration, ITR (2 years), bank statements |
| Relationship Proof | Birth certificate/family certificate/affidavit |
Co-applicant is mandatory even for non-collateral loans.
3. Financial Documents (For Both Applicant & Co-applicant)
| Document | Details |
|---|---|
| Bank Statements | Last 6 months (savings + salary/current accounts) |
| Income Tax Returns (ITR) | The last 2 years |
| PAN Card | Required for both the applicant and the co-applicant |
| Form 16 / Salary Certificate | For salaried individuals |
4. Collateral Documents (If applying for a secured loan)
| Property Type | Required Documents |
|---|---|
| Residential/Commercial Property | Sale deed, title deed, recent property tax receipt, EC (Encumbrance Certificate), approved building plan, latest electricity bill |
| Fixed Deposit | FD certificate, lien confirmation |
When Do You Submit These Documents?
| Stage | Requirement |
|---|---|
| Pre-Approval | Basic KYC, income documents, and academic records |
| Sanction | Admission letter, cost breakdown, credit check, and income verification |
| Disbursal | Collateral verification (if applicable), final fee invoice, visa copy |
Document Tips for Faster Approval
- Scan everything clearly in PDF format
- Ensure all bank statements are recent (last 6 months)
- Submit signed application and declaration forms
- If showing FDs or collateral, get valuation reports ready
- Co-applicants ITR and bank statements are critical for unsecured loans
What If You’re Missing Some Documents?
Don’t worry — Student Cover helps you:
- Identify alternate proof options
- Get affidavit templates and sample declarations
- Guide you on provisional approvals if a few documents are pending
- Avoid unnecessary rejection due to document errors
Not sure if you meet the basic conditions to apply?
Avanse Education Loan Eligibility Criteria will help you check if you're eligible before collecting documents.
FAQs – Avanse Education Loan Documents
What are the most important documents for Avanse loan approval?
Your academic records, admission letter, co-applicant’s income proof, and ID/address proofs are essential.
Are original documents required?
You only need to submit clear scanned copies for initial approval. Originals are verified later.
Do I need visa documents before applying?
No. You can apply and get your loan sanctioned before your visa is approved.
Can a student submit property in their name for collateral?
Yes, if the student owns the property. However, in most cases, the co-applicant pledges the asset.
What if my co-applicant is self-employed?
Submit ITRs, business proof, and 6-month bank statements. A CA summary may also be needed.
Final Thoughts
Getting your Avanse education loan documents right is the first step toward fast loan approval. Whether you’re applying with or without collateral, the paperwork is key to showing eligibility and financial strength.
Need help organizing your documents or reducing your processing fee?
Apply via Student Cover for personalized support, faster approvals, and expert guidance on every step.
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