Annexure 1

1 A – Documents Required for the Loan

Document Checklist for ABYB students for availing Axis Bank Education Loan

APPLICANT DOCUMENTs:

Mandatory Documents
1 3 Passport size coloured photo
2 PAN Card (Mandatory)
3 Aadhaar Card issued by UIDAI (mandatory)

Academic Documents
1 10th SSC & 12th HSC Mark sheets
2 Graduation Certificate, Mark Sheet

Other Documents
Identity Proof Address Proof Birth Date Proof
1 Aadhaar Card issued by UIDAI
2 Passport
3 Driving License
4 Election Card / Voter Card
5 - - School Leaving Certificate
6 - - SSC / HSC certificate
7 - - Birth Certificate

CO-APPLICANT DOCUMENTs:

Who can be a Co-Applicant & the list of documents required from the co-applicant:

• Father
• Mother
• Spouse
• Parents-in-law
• Employed siblings (proof of employment is required)
 Documents required for Co-applicant

1 3 Passport size coloured photo

2 PAN Card (Mandatory)

3 Aadhar Card issued by UIDAI (mandatory)

Proof of employment in case of employed sibling as co-applicant

4

Candidates are also required to carry the following at the time of visiting the RAC centre for loan process*:

1 Demand Draft of Rs. 3,000/- towards out of pocket expenses drawn in the name of “Axis Bank Ltd”

2 Demand Draft of Rs 2,615/- for insurance premium in the name of “MAX LIFE INSURANCE CO LTD”

3 Additional amount for franking and stamp duty charges, as applicable

4 Copy of Interview Selection E-mail & copy of Loan Detail document

5 Fees Structure Copy

Loan Agreement completely Agreement will be provided at the loan centre & to be signed by both applicant
6 filled and co-applicant

will be provided at the loan centre to automate the EMI repayment from the
7 SI mandate
applicant’s account

Please Note

- DD can be made from any bank account . You need not have an Axis Bank account for the same

- loan can be sanctioned without Document No – 6 & 7. However, Document No – 6 & 7 are mandatory
for disbursement after the sanction .

Additional Documents required at the time of Disbursement:

Active Axis Bank savings account required at the time of disbursement.

(Will be opened post moving to campus)

3 Cheque from applicant’s Axis Bank Applicant’s name, Registration ID to be mentioned on the back of the cheque
account leaf

Additional Information

- You & the co-applicant must have a CIBIL Score of 680 and above in order to be eligible for the loan
- If you and / or the co-applicant has never taken any loans so far, your CIBIL score will be 0 / -1 which
also makes you eligible.
 - You may check the CIBIL scores by clicking on the link below or through other means you are familiar
with
Free CIBIL Score and Report | CIBIL

1 B – Loan Terms and Conditions

The terms and conditions of the Education loan to be availed for ABYB program in association with Manipal
University is mentioned in the table below:

AXIS BANK YOUNG BANKERS PROGRAM (ABYB) – TERMS AND CONDITIONS FY 23-24

Sr. No. Terms Details

1 Eligibility
2 Course Name
3 Rate of Interest
4 Maximum Loan amount
5 Margin
6 Other Charges
Foreclosure/Prepayment
7 Charges
Student should be an Indian National & has been selected under the
Axis Bank Young Bankers Program as per HR guidelines
Post Graduate Diploma in Banking Services
13.00%
(Floating Rate linked to Repo Rate)
Upto Rs. 4 lakh (inclusive of course fees + GST)
Nil
An amount of Rs. 3000/- will be collected towards out of pocket
expenses (DD Favouring : Axis Bank Ltd)
Nil

Interest servicing during the moratorium period.

8 Repayment EMI repayment will start on completion of the moratorium period.
Interest/EMI repayments will be recovered on a monthly basis from the
9 Mode of repayment stipend based on the 'Standing Instruction' from the student.
10 Max. Moratorium period 15 months (inclusive of course period)
Maximum Repayment
11 period 5 years (starts once moratorium period ends)

As per fee payment schedule. The payment will be made directly to the
12 Loan Disbursement University.
Applicable (any one of below)
13 Co-Applicant Father / Mother / Spouse / Parents-in-law / Employed siblings
Demand Draft for insurance premium of Rs 2615/- to be submitted.
14 Insurance (DD favouring : Max Life Insurance Company)
Approx Rs 3,033/- post disbursement during moratorium period
Approx Rs 6,371/- post moratorium period for 5-year period
15 Monthly EMI payable
*Above amounts are tentative & may vary according to change in Repo rate,
tenure etc.
 Extra charges applicable for Education Loans
STATE FRANKING/STAMP PAPER/NOTARY CHARGES
AP 500
Assam 575
Bangalore 220 + 400 (Notary charges)
Bihar 1000
Chhatisgarh 250 + 100 (Notary charges)
Delhi 500
Gujarat 350 + 300 (Notary charges)
Haryana 300 (Notary charges)
Jharkhand 1200
Maharashtra 0.3% of loan amount
MP 0.25% of loan amount
Orissa 550
Punjab 550
Rajasthan NIL
Telangana 0.5% of loan amount
TN 0.5% of loan amount + 118 as cersai charges
UP 500
WB 240

Please Note :

• Student to check with location SPOCs for the mode in which they have to carry these charges
• Student needs to make a DD for these charges as applicable. DD should be in the name of the student-
stamp duty charges : e.g if the student’s name is Vishal Hinduja, DD should be in the name of Vishal
Hinduja-Stamp duty charges
• Charges vary from State from State and Bank has no say in the same
• Charges as received from location SPOCs, they may vary at the time of loan application
 1 C – List of Loan centres or Retail Asset centres ( RAC )

Sr No State Location Address

Axis Bank limited, Fourth Floor, T J Mall, R S Road, Shop
1 Andhra Pradesh Kurnool No. 20 to 23, and Shop no. 24 to 27, N.R.pet Post office,
Kurnool - 518004
Axis Bank Ltd, Loan Centre, Door No. 22/1223/A-1, G T
2 Andhra Pradesh Nellore
Road, Near RTC Depot, Nellore - 524003, Andhra Pradesh
Axis Bank Ltd, Loan Centre, D.No. 7-27-8, R. K. Plaza,
3 Andhra Pradesh Rajamundry (East Godavari) Vygram Road, T.Nagar, Rajahmundry - 533 101, Andhra
Pradesh.
Axis Bank Ltd, Loan Centre, D No. 40-1-55, V V R Square,
4 Andhra Pradesh Vijayawada 3rd Floor, M G Road, Kalanagar, Benz Circle, Vijayawada -
520010.
Axis Bank Ltd, Loan Centre, D No: 43-9-141, 4th Floor, Sri
5 Andhra Pradesh Visakhapatnam Gayatri Towers, Sri Kanya Main Road, Dondaparthy,
Visakhapatnam - 530016
Axis Bank Ltd, Loan Centre, L.B.Plaza , G S Road Behind
6 Assam Guwahati ICICI Bank, Bhangagarh, 1st Floor, PO : Dispur, PS : Paltan
Bazar, Dist : Kampur, Guwahati - 781005
Axis Bank Ltd, Loan Centre, 2nd Floor, Kamini Centre,
7 Bihar Patna
Patliputra, Boring Road, Patna - 800013.
Axis Bank Ltd, Loan Centre, 2nd floor, Chawla Chambers,
8 Chattisgarh Raipur
Jeevan Bima Marg, Pandri, Raipur - 492004
Axis Bank Limited, 2nd & 3rd floor, S – 01 & T-01, HL Hub
9 Delhi Dwarka Service Centre, Plot No. 139 & Plot no. 140, Sector – 20,
Dwarka, New Delhi - 110075
Axis Bank Ltd, Loan Centre, 4th floor, Shivalik-Ishan, Near
10 Gujarat Ahmedabad
C.N.Vidyalaya, Ambawadi, Ahmedabad - 380006.
Axis Bank Ltd. Asset Sales Centre, 1st Floor, Pearl Plaza,
Behind G T Sheth School, 150 Ft Ring Road, Rajkot - 360
11 Gujarat Rajkot
005. & ASC-First Floor, Sapphire Complex, Near KKV hall,
150 feet ring road, Rajkot- 360007.
Axis Bank Ltd, Loan Center, White House , Second Floor,
12 Gujarat Surat Shop No 206 to 211, Near Rungta Shopping Centre, VIP
Road, Vesu,Surat - 395007.
Axis Bank Ltd,Loan Center,Third floor,Vicenza House,
13 Gujarat Vadodara Oppsite C H Jewellers, Concorde Lane,
Alkapuri,Vadodara390007
Axis bank Ltd, Plot no. 2, First floor and Second floor, opp.
14 Haryana Karnal
Hotel Prem Plaza, Railway road, Karnal - 132001 , Haryana
Axis Bank Ltd, Loan Centre, 2nd Floor, Citadel Commercial
Complex, Beside Roshpa Tower, Main Road, PS: Lower
15 Jharkhand Ranchi
Bazar, Ranchi-834001, Jharkhand. Landmark : Opp.
Automotive Bajaj & Near ICICI Bank Main Road Branch.
Axis Bank Ltd, Loan Centre, 2nd, 3rd & 4th floor, 8, Sona
16 Karnataka Bangalore Tower, 32 E Cross, 4th block, Jayanagar, Opp Sanjay
Gandhi hospital, Bangalore - 560041
 Axis Bank Ltd, Loan Centre, No.19, 60 Ft. Road,
17 Karnataka Sahakaranagar
Sahakaranagar, Bangalore - 560092.

Axis Bank Ltd, 2nd floor, Sri Narayani Arcade, above Bata
18 Karnataka Whitefield showroom, No. 3, Kundanhalli Main Road, Bangalore-
560037
Axis Bank Ltd, Loan Centre, 3rd floor, Chicago Plaza, Rajaji
19 Kerala Kochi
Road, Kochi, Kerala - 682035.
Axis Bank Ltd, Loan Centre, 2nd Floor, R.S.No.27, Block No.
20 Kerala Thiruvananthapuram 184, Knihal Complex,Karamana Main Road, Opposite State
bank of India Karamana PO, Thiruvananthapuram- 695002.
Axis Bank Ltd, Loan Centre, Prashanti Towers, 1st & 2nd
21 Madhya Pradesh Bhopal Floor, Above Overnite Courier, Plot N0-77, Zone-II, M.P
Nagar, BHOPAL-462011
Axis Bank Ltd, Loan centre, Ground floor, 6A, Kailash Vihar,
22 Madhya Pradesh Gwalior
City Centre Near Aditya College, Gwalior – 474011
Axis Bank Ltd, Loan Centre, Third Floor, Dhan trident,
23 Madhya Pradesh Indore Block No B-3, PU-4 , Scheme no. 54, Opp Satya Sai School,
Vijay Nagar square, A B Road, Indore - 452010
Axis Bank Ltd, Loan Centre, first Floor, Panchratna
24 Madhya Pradesh Jabalpur Building, Plot No. 902, Model Road, Wright Town, Jabalpur
- 482002
Axis Bank Ltd, 1st Floor, Mandeep Towers, Jalna Road,
25 Maharashtra Aurangabad
Opp. Amarpreet Hotel, Aurangabad-431001.
Axis Bank Ltd, Loan Centre, 1st Floor, Namdeo Nest, 1160,
26 Maharashtra Kolhapur E Ward, Rajaram Road, Opp. Kamla College, Kolhapur -
416001.
Axis Bank Ltd, Loan Centre, 8th Floor, Harbhajan Building,
27 Maharashtra Mumbai CST Road, Opp. Raheja Central, Near Nafa Bus Stop, Kalina,
Santacruz East, Mumbai-400098
Axis Bank Ltd, Loan Centre, M G.House, Lower Ground
28 Maharashtra Nagpur Floor & Third floor, Besides Board Office, Rabindra Nath
Tagore Road, Civil Line, Nagpur - 440001.

Axis Bank Ltd, Loan Centre, Mazda Tower, 1st Floor, GPO
29 Maharashtra Nashik
Road, Trimbak Naka, Nashik - 422001

Axis Bank Ltd, Pride House, Ground, first & second floor,
30 Maharashtra Pune
Shivaji Nagar, Near University Crossing, Pune – 411016
Axis Bank Ltd, Loan Centre, Dheeraj Baug, Ist floor, Near
31 Maharashtra Thane
Hari Niwas Circle, Naupada, Thane (W) - 400602
Axis Bank Ltd, Loan Centre, Plot No 501, Centre Point, 1st
32 Orissa Bhubaneshwar Floor, Near Sriya Talkies Kharvelnagar, Orissa, Bhubaneswar
- 751001.
Axis Bank Limited, 1st floor , SLS tower , 100 ft Rd, East
33 Punjab Amritsar Mohan Nagar, opp. Jaycee motors, Anand Nagar, Pratap
Nagar, Amritsar, Punjab-143001
Axis Bank Limited I SCO 335-336, First, Second, Third and
34 Punjab Chandigarh Fourth Floor, Loan Centre, Sector- 34-A Chandigarh160022
 Axis Bank Loan Centre, 2nd & 3 rd Floor, Property # 7 -E,
35 Punjab Ludhiana Municipal, 3903/1142/16, Malhar Road, Sarabhanagar,
Ludhiana - 144001
Axis Bank Ltd, Loan Centre, 2nd Floor, Shanti Tower, B115,
36 Rajasthan Jaipur
Hawa Sadak, Civil Lines, Jaipur - 302006.
Axis Bank Ltd, 2nd Floor, S.Gopal Tower, 414, Shopping
37 Rajasthan Kota
Centre, Kota - 324 007
Axis Bank Ltd, Loan Centre, Centennial Square, 2nd Floor,
38 Tamil Nadu Chennai No 6 A, Dr.Ambedkar Road, Opp to Hotel Brown Star,
Kodambakkam, Chennai - 600 024.
Axis Bank Ltd, Loan Center, No:442, Magnum Towers, 2nd
39 Tamil Nadu Coimbatore Floor, Dr. R Nanjappa Road, Gandhipuram, Coimbatore
641018.
Axis Bank Ltd, Loan Centre, 61/4B, Pattu Arcade, 1st floor,
40 Tamil Nadu Madurai Opp World of Titan, Bypass Road, Ram Nagar, Arasaradi,
Land Mark : KFC Upstair, Madurai, Tamil Nadu - 625016
Axis Bank Ltd, 4th Floor, G K Towers, No 395/2 First Main
41 Tamil Nadu Salem
Road, New Fairlands, Salem - 636016, Tamil Nadu
Axis Bank Ltd, Loan Centre, 1st Floor, Triveni Building No :
42 Tamil Nadu Tiruchirapally (Trichy)
B-35, Sastri Road, Thillai Nagar, Trichy - 620018.
Axis Bank Ltd, Loan Centre,No.1-72/3/2, Vakula
43 Telangana Gachibowli Mansion,Gachibowli Cross Roads, Near H P Petrol
Pump,Gachibowli, Hyderabad - 500032
Axis Bank Ltd, Loan Centre, D.No.5-2-183/184, 4th Floor, R
44 Telangana Hyderabad
P Road, Secunderabad - 500003.
Axis Bank Ltd, 3rd Floor, plot no 12-5-149/17, Opp Railway
45 Telangana Tarnaka, Hyderabad
Degree College, Tarnaka, Hyderabad-500017
Axis Bank Ltd, Loan Center, 3rd Floor, Ayyappa Arcade,
46 Telangana Warangal Pochamma Maidan, Beside: Ratna Hotel, Warangal -
506002
Axis Bank Ltd, Loan Centre, 1st floor, Plot no. 4/5-B,
47 Uttar Pradesh Lucknow Sector-4,Gomti Nagar Extension, Lucknow, Uttar Pradesh -
226010
Axis Bank Ltd,Axis House, Ground Floor, Tower-1,
48 Uttar Pradesh Noida Sector128, Noida Express Way,Landmark : near JP Greens
Wish Town,Noida - 201301,U.P.
Axis Bank Ltd, Loan Centre, A.C Market, 4th Floor,
49 West Bengal Kolkata
Shakespeare Sarani, Kolkata - 700071
Axis Bank Ltd, Loan Centre, “SATURN’S” 3rd Floor at
50 West Bengal Siliguri Sevoke Road ( Beside UBI Sevoke Road Branch ) PS: Siliguri
, Dist: Darjeeling , PIN: 734001.