J&K Bank’s flagship Saath Education Loan Scheme has been enhanced for 2026 with higher loan limits, lower interest rates, and simplified documentation. The scheme provides financial support to students from J&K pursuing higher education in India and abroad.
Saath Education Loan Scheme 2026 — Key Features:
• Loan Amount: Up to ₹30 lakh (India), Up to ₹50 lakh (Abroad)
• Interest Rate: 10.25% p.a. (India), 11% p.a. (Abroad)
• No Collateral: For loans up to ₹10 lakh
• Collateral: Property or FD for loans above ₹10 lakh
• Repayment Period: 15 years (post course + 1 year moratorium)
Who Can Apply:
• J&K domicile students securing admission in any recognized college in India or abroad
• Students appearing for professional courses like MBBS, BDS, Engineering, MBA, Law
• Students who have received admission in IITs/IIMs get extra preferential rate of 9.75%
Documents Required:
• Admission letter from institution
• Fee structure for entire course
• KYC of student and co-applicant (parent/guardian)
• Mark sheets of 10th, 12th, and UG (if PG loan)
• Income proof of co-applicant (salary slip/IT returns)
Apply at any J&K Bank branch or online at jkbank.com/education-loan. Processing time is 10-15 working days. For queries, call the J&K Bank helpline at 1800-180-7888 (toll-free).
