PNB Education Loan Programme 2025

The Buddy4Study – PNB Education Loan Programme is a joint initiative by Punjab National Bank (PNB) and Buddy4Study to financially support Indian students pursuing higher education in India or abroad. This programme offers attractive interest rates starting from 8.20% for domestic studies and 9.25% for international studies, with special concessions for female candidates. The scheme includes multiple loan products such as PNB Saraswati, PNB Pratibha, and PNB Udaan.

About the Programme

Punjab National Bank, in collaboration with Buddy4Study, offers education loans to eligible students for pursuing undergraduate, postgraduate, diploma, and professional courses in India and abroad. The programme is designed to make higher education financially accessible by providing competitive interest rates, flexible repayment options, and special benefits for women applicants.

PNB Education Loan Schemes Covered

PNB Saraswati (Domestic Education Loan Scheme) – For students pursuing higher studies in India at recognized institutions.
PNB Pratibha (Domestic Education Loan Scheme) – Specially designed for meritorious students admitted to premier Indian institutions.
PNB Udaan (International Education Loan Scheme) – For students pursuing higher education abroad in recognized institutions.

About Punjab National Bank

Punjab National Bank (PNB) is India’s first Swadeshi Bank, established on April 12, 1895, in Lahore. It offers a wide range of financial services and is known for its strong commitment to supporting education through specialized loan products.

Eligibility Criteria

Domestic Education Loan (PNB Saraswati / PNB Pratibha)

Applicant must be a resident Indian.
Must have secured admission to diploma, undergraduate, postgraduate, or PG diploma courses at a recognized Indian institution.
Admission must be through entrance test or merit-based selection after completing Class 12 (HSC or equivalent).

Application Deadline: 31 December 2025

International Education Loan (PNB Udaan)

Applicant must be a resident Indian.
Must have secured admission to:
- Graduation: Job-oriented professional/technical courses offered by reputed universities abroad.
- Postgraduation: MCA, MBA, MS, etc.
- Courses like CIMA (London), CPA (USA).
- Degree/diploma courses in fields like aeronautical, pilot training, shipping, etc., recognized by competent regulatory bodies.
Admission must be through entrance test or merit-based selection after Class 12.

Application Deadline: 31 December 2025

Benefits

Domestic Loan Interest Rate: Starting from 8.20% to 11.25% p.a.
International Loan Interest Rate: Starting from 9.25% to 11.25% p.a.
Special Concession: Lower interest rates for female candidates.
Coverage includes tuition fees, hostel charges, books, equipment, travel expenses (for studying abroad), and other education-related costs.

How to Apply

Visit the Buddy4Study portal or the official Punjab National Bank education loan page.
Choose the relevant scheme – PNB Saraswati, PNB Pratibha, or PNB Udaan.
Fill the online application form with personal, academic, and course details.
Upload required documents (KYC, admission letter, academic records, fee structure, income proof, collateral documents if applicable).
Submit the application and await bank verification.
On approval, sign the loan agreement and complete the formalities.

Contact Details

Phone: 011-430-92248 (Mon–Fri, 10:00 AM – 6:00 PM IST)
Email: edufund.team@buddy4study.com

Disclaimer

Information is sourced from the official Buddy4Study platform and Punjab National Bank website. Terms and conditions apply. Applicants should verify details from official sources before applying.

Apply Now

Action	Link
Apply for PNB Saraswati (Domestic)	Click Here
Apply for PNB Pratibha (Domestic)	Click Here
Apply for PNB Udaan (International)	Click Here
Visit PNB Official Website	Click Here

FAQs – Buddy4Study PNB Education Loan 2025

Q1. What is the last date to apply for this programme?
The last date is 31 December 2025.

Q2. What is the interest rate for domestic education loans?
It starts from 8.20% p.a., with lower rates for female candidates.

Q3. Can I apply for a loan without collateral?
Yes, for lower loan amounts (up to ₹7.5 lakh), collateral is generally not required.

Q4. Does this programme cover overseas education expenses?
Yes, under the PNB Udaan scheme, it covers tuition, travel, and other necessary expenses.

Q5. Are female students eligible for any concession?
Yes, female students enjoy lower interest rates under this programme.

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