Education Loan

Education Loan

Higher Education allows you the freedom to design the life of your dreams. Disha Secure not only allows you to fund course but also takes care of all the other expenses related to it.
Nowadays every parent dreams of giving the best of Education for their kids and realising this dream is not that easy when it comes to the financial part. Disha Secure had tied up with SBI and some major public Sector banks for facilitaing the Education Loan needs of our next generation leaders. Realize your child’s dream of Domestic or International higher studies through Education Loans from Disha Secure.

STUDENT DOCUMENT CHECKLIST

KYC Documents : Pan Card, Aaadhar Card, Passport copy and 2 Passport
sized photograph of the Student.
Student Academic Credentials : Xth and XIIth Marksheet and Board
Certificate alongwith the Graduation and Post Graduation Semester wise
Marksheet and Final Degree Certificate.
➢ Offer letter from the University in which the student is opting for higher
education. Copy of letter confirming Scholarship, freeship, Studentship, etc..
GRE, IELTS etc…
➢ Schedule of Expenses & Prospectus of the Institute.
➢ Statement of Bank account for last 6 months through which major
transactions are routed (if employed)
➢ Notarized Affidavit stating that there is No Gap in Education.
➢ Notarized Affidavit stating that no Education Loan is availed from another
Bank / or Institution.
➢ Notarized Power of Attorney on a Rs.500/- Stamp Paper

PARENTS / GUARDIAN / GUARANTOR DOCUMENT CHECKLIST

KYC Documents : Pan Card, Aaadhar Card and 2 Passport sized
photograph of the Co-applicant.
Income Documents for Salaried Individuals :
➢ Last 3 Months Salary
➢ Last 2 years Form -16 with part A & B
➢ Bank Account Statement for last 6 months.
➢ Existing loan account statement for last 6 months.
Income Documents for Businessmen / Self Employed
➢ Last 3 years ITR with computation of Income with Profit & Loss Statement
and Balance Sheet.
➢ Statement of Assets & Liabilities.
➢ Bank Account Statement for last 6 months.
➢ Existing loan account statement for last 6 months
Other Documents
➢ Detail of funds available from family sources for the course (attach xerox
copy)
➢ Signature verification from the Banker.

➢ Processing Fees Rs.11800/-
➢ Documentation charges Rs.500/-

Fees & Charges for Education loan against Fixed Deposit

➢ Processing Fees Rs.11800/-
➢ Documentation Charges – Rs.500/-

Fees & Charges for Education loan against property.

➢ Processing Fees Rs.11800/- + Search Report : Rs.4000/- + Valuation Rs.2950/-
➢ If property is more than 15 years old, additional charge of Rs.2950/- for Structural audit report.
➢ If the loan amount is more than or equal to Rs.1 Crore, there will be 2 Valuations and 2 Search Report Charges to be charged. =2 X (4000+2950)
➢ 0.30% Franking charges to be paid to Government of Maharashtra
Notice of Intimation : 0.50% of the loan amount or Rs.15000/- (whichever is lower) + Rs.1500/-
➢ Documentation charges – Rs.1400/-
➢ CERSAI – Rs.118/-

➢ Agreement of Sale with Builder (If 1st owner)
➢ Agreement of Sale with previous owner (in case of Resale flats) . All previous agreement to sale upto 1st owner & builder.
➢ Conveyance Deed between Builder and Soceity.
➢ NOC from society.
➢ Share Certificate, Latest property tax bill and receipt & latest electricity bill copy.
➢ Latest Maintenance charges bill.
➢ Occupancy Certificate.

  • Minimum charges
    At Disha Secure, we proudly say that we take almost minimum charges or fees from our clients to give them the best of the best loan services.
  • Associated with trustworthy nationalized banks
    Trustworthiness is the major point when it comes to taking a loan, we are associated with nationalized banks like the Bank of India, Central Bank of India, and others.
  • Competitive Interest Rates
    At Disha Secure, we ensure that every loan you get will have lower interest rates so you can have its maximum benefits.
  • Transparent, Timely & Hassle-free Process
    Our loan process is fast, and where you will have to go through an easy process of documentation submission. To increase its efficiency we do it on a timely basis so you can get your loan as early as possible with more transparency.
  • Tax Benefits
    Disha Secure's loan services can enable you to get the best of the best tax benefits.

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