1. Profile- you should be resident of India. Either student,salaried or self employed wanting to pursuing higher education in India or abroad.

2. Age- you should be minimum 16 years of age . Maximum age is 35 years.

3. Academic track record- you should have completed minimum 10.2 with at least first class.

4. Parents or guardian with stable income- your parents or guardian should be earning a stable and continuous income monthly.

5. Course and university you have opted for- the university and course you choose to pursue should be in the approved list of the respective bank from where you are planning to take the loan.

6. Past track record if any- you and your co app should have a clean past credit history if any.

7. Co applicants (age , educational qualification and profession)- co applicants profile is thoroughly checked. His repayment capacity to repay the loan in case you fail to do so is also judged.