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MHT CET 2026 Exam Guide

MHT CET Exam 2026: CAP Registration, Provisional Merit List, Syllabus, Question Papers & Toppers Details

Written By
Vaishali Pandey
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Updated On:
Mar 27, 2026
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5 Minutes
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Vaishali Pandey
Updated On:
Mar 27, 2026

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MHT CET 2026 counselling registration is expected to be conducted in July 2026, and the last date for document verification will also fall in the same period after registration closes. The provisional merit list is expected to be released in mid-July 2026, followed by a challenge window of a few days for objections, and the final merit list will be published in late July 2026. Qualified candidates who complete document verification will be eligible to participate in the CAP counselling through the official portal at cetcell.mahacet.org.

The MHT CET 2026 results for PCM and PCB groups will be declared after the examination cycle, with PCM expected in May–June 2026 and PCB in June 2026. The PCM exam is scheduled for April 2026, and PCB is also expected in April–May 2026 as per the official pattern, with separate shifts for different groups if required. The syllabus includes Class 11 and 12 topics: PCM for BTech and PCB for BPharma, and JEE Main scores are also accepted for BTech admissions in Maharashtra.

By the end of this blog, you will know

  • Understand the exam pattern, eligibility criteria, application process, and important dates to plan your preparation effectively.
  • Get insights into the registration, document submission, and payment process to ensure a smooth application experience.
  • Learn how to download the admit card, check the answer key, and interpret your results.

CET Exam 2026: Highlights

Below are key highlights for CET Exam 2026:

Parameters

Details

CET Exam Full Form

Maharashtra Common Entrance Test

Conducted Body

State Common Entrance Test Cell - Maharashtra State

Official Website

cetcell.mahacet.org

Frequency of Exam

Once a Year

Exam Level

State Level

Languages

English, Hindi, Marathi, Urdu

Mode of Application

Online

Application Fee

INR 1000 (varies by category)

Mode of Exam

Online (Computer-Based Test)

Participating Colleges

Around 120+ (varies every year)

Exam Duration

3 Hours

Exam Pattern

Paper 1: Mathematics (PCM)
Paper 2: Physics and Chemistry
Paper 3: Biology (for PCB candidates)

Total Number of Questions

Mathematics: 50 Questions
Physics + Chemistry: 50 Questions
Biology: 50 Questions (for PCB group)

Total Marks

200 Marks (PCM/PCB pattern varies by group)

Marking Scheme

+1 for correct answer in Physics, Chemistry, Biology
+2 for each correct answer in Mathematics

Negative Marking

No negative marking

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What is the MHT CET Exam?

MHT CET (Maharashtra Common Entrance Test) is a state-level exam for admission to Maharashtra College undergraduate engineering and pharmacy courses. It is conducted annually by the Maharashtra State Common Entrance Test Cell. The difficulty level of the exam is similar to that of JEE Main.

Engineering aspirants must take Paper 1 and Paper 2, while pharmacy candidates need to appear for Paper 2 and Paper 3.

Important MHT CET 2026 Exam Date

The MHT CET exam date has been released. Candidates should keep track of these dates to avoid missing deadlines.

MHT CET Exam Events MHT CET Exam Date 2026
MHT CET 2026 Registration Start Date December 2025 – January 2026 (Expected)
MHT CET 2026 Application Form December 2025 – January 2026 (Expected)
MHT CET 2026 Registration Last Date February 2026 (Expected)
Registration for Online Application with Late Fee February 2026 (Expected)
CET Exam 2026 Last Date for Payment February 2026 (Expected)
CET Exam 2026 Correction Window March 2026 (Expected)
CET Exam Subject Adding Facility March 2026 (Expected)
CET Exam Admit Card April 2026 (Expected)
MHT CET Exam Date 2026 PCB: April 2026 (Expected) PCM: April–May 2026 (Expected)
CET Exam Answer Key May 2026 (Expected)
CET Exam 2026 Result June 2026 (Expected)

Looking for the best engineering colleges in Maharashtra? Check out the top engineering colleges accepting MHT CET 2026 and details on fees, courses, and admission criteria

MHT CET Exam 2026 Schedule

Type of Examination

Morning Shift

Afternoon Shift

PCM Group

09:00 AM – 12:00 PM

02:00 PM – 05:00 PM

PCB Group

09:00 AM – 12:00 PM

02:00 PM – 05:00 PM

Here is the detailed schedule for the MHT CET 2026 exam, including shift timings, entry rules, and exam duration for PCM and PCB groups.

Events

Morning Shift 

Afternoon Shift

PCM - Physics, Chemistry and Mathematics

Entry into the Examination Hall

07:30 AM

12:30 PM

Last Entry Permitted in the Examination Hall

08:45 AM

01:45 PM

First Login to Read Instructions

08:50 AM

01:50 PM

Commencement of Online Examination

09:00 AM

02:00 PM

End of Online Examination

12:00 PM

05:00 PM

PCB - Physics, Chemistry and Biology

Entry into the Examination Hall

07:30 AM

12:30 PM

Last Entry Permitted in the Examination Hall

08:45 AM

01:45 PM

First Login to Read Instructions

08:50 AM

01:50 PM

Commencement of Online Examination

09:00 AM

02:00 PM

End of Online Examination

12:00 PM

05:00 PM

CET Exam 2026 Eligibility Criteria

Candidates must meet the eligibility conditions set by the CET Cell before applying for MHT CET 2026. Below are the eligibility criteria for different categories of applicants.

Eligibility Criteria for Maharashtra State Candidates

Criteria

Details

Education Qualification

Passed or appearing for Class 12 in 2026

Compulsory Subjects

Physics and Mathematics

Additional Subject (Any One)

Chemistry, Biotechnology, Biology, Technical Vocational subject, Computer Science, IT, Informatics Practices, Agriculture, Engineering Graphics, Business Studies

Minimum Marks Required

  • 45% (General Category)
  • 40% (SC/ST/OBC/EWS/PwD)

Eligibility for Non-Maharashtra Candidates

Criteria

Details

Admission via JEE Main

Non-Maharashtra candidates can also apply for BTech admission through JEE Main.

Reservation Policy

MHT CET reservation benefits do not apply to Non-Maharashtra candidates.

Candidates preparing for JEE Main 2026 should know the exam pattern, syllabus, and key preparation strategies to boost their performance. Stay updated on the registration dates and follow the correct steps to complete the application process smoothly. 

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Eligibility Criteria for OCI/PIO/NRI Candidates

Criteria

Details

MHT CET Requirement

Not required to appear for MHT CET 2025

Admission Basis

Admission is based on Class 12 or equivalent exam scores

Counseling Process

A separate counseling session is conducted for OCI/PIO/NRI candidates after MHT CET admissions.

Course-Wise Eligibility Criteria for MHT CET Exam 2026

The MHT CET 2026 eligibility criteria vary based on the course selected. Below are the requirements for BTech and BPharma admissions.

For BTech Admission

Criteria

Details

Education Qualification

Passed or appearing for HSC (Class 12) or equivalent

Compulsory Subjects

Physics and Mathematics

Additional Subject (Any One)

Chemistry, Biotechnology, Biology, Computer Science, IT, Agriculture, Engineering Graphics, Business Studies, Technical Vocational Subject

Alternative Eligibility

Passed Diploma in Engineering & Technology

Minimum Marks Required

  • 45% (General Category)
  • 40% (SC/ST/OBC/EWS/PwD)

For BPharma Admission

Criteria

Details

Education Qualification

Passed or appearing for HSC (Class 12) or equivalent

Compulsory Subjects

Physics and Chemistry

Additional Subject (Any One)

Mathematics or Biology

Minimum Marks Required

  • 45% (General Category)
  • 40% (SC/ST/OBC/EWS/PwD)

MHT CET Exam 2026: Documents Required

Before filling out the MHT CET 2026 application form, candidates should keep the following documents ready:

  • Class 10 and 12 mark sheets
  • Proof of Date of Birth
  • Domicile certificate (for Maharashtra candidates)
  • Caste certificate (if applicable)
  • Address proof (such as an Aadhaar card or electricity bill)
  • Scanned copies of passport-size photo and signature
  • Online payment details (credit/debit card or net banking) for application fee payment

MHT CET 2026 Admit Card

The CET admit card will be available in the first week of April. A printed copy of the admit card must be carried to the exam centre. The admit card will contain the exam date, time, centre address, paper selection, and the candidate's personal information (name, photo, and signature). 

Here are the steps to download the CET Admit Card:

  1. Visit the official website cetcell.mahacet.org
  2. Click on the MHT CET Admit Card 2026 download link
  3. Log in using your email ID and password
  4. Click Submit to view the admit card
  5. Download and print the admit card for future use

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MHT CET Exam 2026 Application Form 

The MHT CET 2026 application process is now closed. Candidates can access the registration link on the official website cetcell.mahacet.org.

Below are the steps to fill out the Application Form for the CET Exam:

Step 1: Registration

Visit the official website and provide basic personal details, a valid email ID, and a mobile number. After submitting the details, login credentials will be sent to the registered email.

Step 2: Enter Personal and Educational Information

Enter the name as per Class 10 and 12 mark sheets and provide all required personal details and academic information. 

Select the subject group (PCM or PCB or both) carefully. Choose the preferred exam language (English, Hindi, Marathi, or Urdu).

Step 3: Upload Required Documents

Candidates need to upload the following documents in the specified format and size:

Document

Size Limit

Format

Photograph

15 KB to 50 KB

JPG/JPEG

Signature

15 KB to 50 KB

JPG/JPEG

ID Proof & Certificates

15 KB to 256 KB

PDF

Reserved category candidates must upload their caste certificate, and other necessary documents, such as identity proof and mark sheets, must be uploaded correctly.

Step 4: Pay the Application Fee

The application fee can be paid online or offline. Once the payment is completed, the application form is automatically submitted. Candidates must download and print the submitted form.

MHT CET 2026 Application Form Correction

The Maharashtra CET Cell allows candidates to edit and correct details in the MHT CET application form within the correction window. Candidates must log in using their registered email ID and password to make changes.

After logging in, candidates will find three options under the "Important Links" section:

1. Change Subject Group

Candidates can switch their subject group from PCM to PCB or vice versa.

2. Add Subject Group

If a candidate forgot to add a subject group while filling out the form, they can do so now. However, an additional fee (including a late fee) must be paid.

3. Edit My Application Form

This option allows candidates to correct details such as name, date of birth, photo, and signature.

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MHT CET Exam 2026 Application Fees

The MHT CET 2026 application fee varies based on the candidate's category. The fee details are given in the table below:

Candidate Type

Application Fee

Late Application Fee

General category (Maharashtra, Outside Maharashtra, J&K Migrant candidates)

INR 1000

INR 1500

Reserved category (SC/ST/OBC/SBC) and PwD candidates from Maharashtra

INR 800

INR 1300

CET Exam 2026 Answer Key

The Maharashtra CET will release the answer key a few days after the exam. Initially, a provisional answer key will be provided, allowing candidates to review and raise objections if they find any errors. Candidates can submit their objections online through the official website within the deadline.

To access the answer key, follow these steps:

  1. Visit the official MHT CET website.
  2. Look for the "Candidate Login" section and click on it.
  3. Enter your registered email ID and password.
  4. Once logged in, find the link for the MHT CET 2026 Answer Key.
  5. Click on the link to view and download the answer key.

The answer key allows candidates to estimate their scores and assess their performance before the final results are announced.

MHT CET 2026 Exam Result

The MHT CET 2026 result will be announced in June 2026 on the official website of the CET Cell. Candidates who appear for the exam can check their results online by visiting cetcell.mahacet.org and logging in with their registered email ID and password.

Below are the steps to check the CET exam 2026 result:
Visit the official MHT CET website.
Click on the "MHT CET 2026 Result" link.
Enter your email ID and password.
Click "Submit" to view the result.
Download and print the result for future reference.

Below are the details mentioned in the CET exam 2026 result:
Candidate’s Name
Roll Number
Application Number
Total Percentile Score

CET Exam 2026 Syllabus

The MHT CET 2026 syllabus follows topics from Class 11 and Class 12 subjects, covering Physics, Chemistry, and Mathematics/Biology.

  • BTech aspirants must attempt Mathematics.
  • BPharma candidates need to appear for Biology.

Class 11 Topics

Class 12 Topics

Subject

Topics Covered

Physics

  • Circular & Rotational Motion
  • Oscillations
  • Gravitation
  • Elasticity
  • Surface Tension
  • Electrostatics
  • Wave Motion
  • Magnetism
  • Electromagnetic Induction
  • Atoms & Molecules
  • Semiconductors
  • Communication Systems

Chemistry

  • Solid State
  • Chemical Thermodynamics
  • Electrochemistry
  • Solutions & Colligative Properties
  • p-Block & d/f-Block Elements
  • Chemical Kinetics
  • Coordination Compounds
  • Organic Chemistry (Alcohols, Ketones, Nitrogen Compounds)
  • Biomolecules
  • Polymers
  • Chemistry in Everyday Life

Mathematics

  • Mathematical Logic
  • Matrices
  • Pair of Straight Lines
  • Circles
  • Trigonometric Functions
  • Vectors
  • 3D Geometry
  • Differentiation
  • Integration
  • Probability
  • Linear Programming
  • Bernoulli Trials
  • Binomial Distribution

Botany

  • Genetic Basis of Inheritance
  • Gene: it's nature
  • Expression and regulation
  • Biotechnology: Process and Application
  • Enhancement in Food Production
  • Microbes in Human Welfare
  • Photosynthesis
  • Respiration
  • Reproduction in Plants
  • Organisms and Environment -Il

Zoology

  • Origin and the Evolution of Life
  • Chromosomal Basis of Inheritance
  • Genetic Engineering and Genomics,
  • Human Health and Diseases
  • Animal Husbandry
  • Circulation
  • Excretion and osmoregulation
  • Control and Coordination
  • Human Reproduction
  • Organisms and Environment-II

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MHT CET Exam Pattern 2026

The CET exam 2026 will be conducted online as a computer-based test (CBT) with MCQs. The question paper has 20% weightage from the Class 11 syllabus and 80% from the Class 12 syllabus. 

CET Exam 2026 Structure

Particulars

Details

Mode of Examination

Online; Computer-Based Test 

Exam Duration

180 minutes

Type of Questions

Multiple-choice questions (MCQs)

Number of Papers

Paper 1: PCM - Physics, Chemistry and Mathematics

Paper 2: PCB - Physics, Chemistry and Biology

Total Number of Questions

PCM: 150 

PCB: 200

Total Marks

200 Marks

Marking Scheme

  • One Mark for each correct answer for Physics, Chemistry, and Biology
  • Two Marks for each correct answer for Mathematics
  • No Negative Marking

CET Exam 2026: Questions, Marks and Duration

Subjects

Total Questions

Class 11 Questions

Class 12 Questions

Marks per Question

Duration

Mathematics

50

10

40

2

90 min

Physics & Chemistry

100 (50 each)

10 (each)

40 (each)

1

90 min

Biology (For Pharmacy)

100

20

80

1

90 min

MHT CET 2026 Mock Test Free Online

The CET Cell has released free MHT CET 2026 mock tests for PCM and PCB to help candidates get familiar with the computer-based exam format. These mock tests are available online on the official website (mahacet.org).

Practicing mock tests will help candidates understand the exam pattern, question types, and difficulty level. The tests follow the same format and syllabus as the actual exam. Regular practice is recommended for better preparation.

Practice MHT CET Exam 2026 Mock Test 

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MHT CET 2026 Exam Centres

The MHT CET 2026 exam occurs in 100 cities within Maharashtra and a few outside the state. Candidates will be assigned an exam centre based on their preferences in the application form. Once allotted, the exam centre cannot be changed, so it is essential to choose the location carefully. 

Here are some CET exam centres:

  • Within Maharashtra – Exam centres will be available in almost all districts.
  • Outside Maharashtra – The exam will also be conducted in the following states:
    • Delhi-NCR
    • Bihar
    • Chhattisgarh
    • Gujarat
    • Karnataka
    • Jharkhand
    • Telangana
    • Rajasthan
    • Uttar Pradesh

MHT CET 2026 Counseling

The MHT CET 2026 counseling schedule will be released on the official website of Maharashtra CET Cell. Candidates allotted a seat through the CAP (Centralised Admission Process) must accept it and visit the assigned institute to complete the admission process. They need to submit the required documents and pay the necessary fees. There is no counseling fee for qualified candidates.

Documents Required for Counseling

Candidates must carry the following documents for MHT CET 2026 counseling:

  • MHT CET 2026 Result
  • MHT CET 2026 Admit Card
  • 10th Mark Sheet & Certificate
  • 12th Mark Sheet & Certificate
  • School Leaving Certificate
  • Character Certificate
  • Migration Certificate (if applicable)
  • Domicile Certificate of Maharashtra (if applicable)
  • Category Certificate (if applicable)

MHT CET Exam 2026 Guidelines

Candidates must follow specific guidelines on the exam day, which will also be mentioned on the CET exam 2026 Admit Card. Below are some key instructions:

Parameter

Details

Admit Card

Carry a printed copy of the MHT CET 2026 Admit Card to the exam centre.

Photo ID

Bring a valid photo ID proof (Aadhaar, PAN, Passport, etc.) and the admit card.

Reporting Time

Arrive at the exam centre at the time mentioned on the admit card.

Restricted Items

Do not carry electronic gadgets, calculators, or any prohibited items.

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List of Items Allowed and Prohibited in the MHT CET Exam

Candidates must carry only permitted items to the CET exam centre. Below are the lists of allowed and prohibited items.

Items that are Allowed

Item

Details

Ballpoint Pen

For rough work on a sheet provided at the exam hall

Valid ID Proof

Candidates must carry any one of the following:

Driving License

Official government-issued ID

Student ID Card

Issued by the school/college

Aadhaar Card

Unique identification document

PAN Card

Government-issued ID for financial transactions

Passport

Valid international identity proof

Voter ID

Identity proof for Indian citizens

Items that are Not Allowed

Item

Details

Mobile Phones

Not allowed inside the exam hall

Calculators

Electronic devices are prohibited

Watches

Digital or analog watches are not permitted

Alarm Clocks

Noise disturbance is not allowed

Digital Watches with Memory/Calculators

These may store unauthorised information

Scanner Devices

Unauthorised use of technology

Bluetooth-Enabled Devices

Prevents unfair means during the exam

CET Exam 2026: Cut-Off

This represents the minimum marks required to be considered for admission in any participating institution, based on past years' trends (2022-2024) and expected 2026 cutoffs.

Category - Wise Minimum Valid Marks

Category

Minimum Valid Marks

General Open Category

75

Group B and S (non-technical)

55

Economically Weaker Section

65

Persons with Disabilities - Open Category

35

Branch-Wise MHT CET 2026 Expected Cutoff Marks

Category

CSE

IT

ECE

EE

ME

CE

CHE

AI/ML

DS

General Open Category

160

155

150

140

130

125

135

158

157

Group B and S (non-technical)

140

135

130

120

110

105

115

138

137

Economically Weaker Section

150

145

140

130

120

115

125

148

147

Persons with Disabilities - Open Category

90

85

80

75

70

65

72

88

87

MHT CET 2026 Preparation Tips

Candidates need a proper preparation strategy to score well in the MHT CET 2026 exam. Here are some valuable tips to help with exam readiness:

1. Understand the Exam Pattern & Syllabus

Go through the official MHT CET syllabus and exam structure before starting your preparation.

2. Focus on Class 11 & 12 Topics

Study Physics, Chemistry, Mathematics, and Biology topics from the Maharashtra State Board syllabus.

3. Practice with Previous Year Papers

Solve past MHT CET question papers to understand the types of questions asked and improve time management.

4. Revise Regularly

Make short notes for quick revision and review essential formulas, concepts, and shortcuts frequently.

5. Take Mock Tests

Attempt mock tests and sample papers to improve speed and accuracy.

6. Time Management

Create a study schedule and allocate enough time for each subject.

7. Clear Doubts

Seek help from teachers, online resources, or study groups if you have any doubts.

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MHT CET Exam 2026: Recommended Books

Below are the recommended books to prepare for the MHT CET exam:

Subject

Name of Book

Physics

MCQ Physics for MHT CET by A J Bapat (Marvel Publication)

NCERT Textbook for classes 11 and 12

Complete Reference Manual MH-CET Physics M.K. Dikshit (Arihant Publication)

Chemistry

Complete Reference Manual MH-CET Chemistry (Arihant Publication)

Chemistry for MHT CET (MCQ) by Mayur Mehta and Chitra Joshi (Marvel Publication)

Marvel Chemistry for MHT CET by Mayur Mehta, Chitra Joshi, Rekha Diwekar

Mathematics

MCQ Mathematics for MHT CET by Hemant G. Ainapure (Marvel Publication)

Complete Reference Manual MH-CET Mathematics by Sushil Verma (Arihant Publication)

MHT CET 2026 Toppers

Here are the MHT CET 2024 toppers for PCB and PCM groups:

PCB Group Toppers

Pratham Vishnukant Gupta

Jha Abhishek Virendra

Pranav Arora

Harshvardhan Navendu Gupta

Joshi Mrudul Sameer

Parth Padmabhushan Asati

Chothe Shravani Kailas

Aryan Dattatray Bhure

Mohammed Ismail Naik

PCM Group Toppers

Aadya Durgaprasad Harichandan

Moksh Nimesh Patel

Aradhya Mahadeorao Sanap

Ghate Amalesh Umakant

Prerana Diwan

Soham Bhimrao Lagad

Ramtirthakar Pratik Gajanan

Aditya Singh

Aditya Dagwar

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Top Colleges Accepting MHT CET Score

400+ institutes across Maharashtra accept MHT CET scores. Candidates can select their preferred college during the counseling process. Below is a list of colleges that accept MHT CET scores:

College Name

K. J. Somaiya College of Engineering

Sinhgad Academy of Engineering

Sardar Patel College of Engineering

Government College of Engineering, Amravati

Rajiv Gandhi Institute of Technology, Mumbai

NBN Sinhgad School of Engineering

Dr. D. Y. Patil Institute of Technology

Sinhgad Institute of Technology and Science

Lokmanya Tilak College of Engineering

Institute of Chemical Technology (ICT)

MHT CET Exam 2026 stands as a critical opportunity for students aiming to secure admission into top engineering and pharmacy colleges across Maharashtra. Featuring a well-defined syllabus and no negative marking, the exam allows candidates to fairly demonstrate their knowledge and skills. The counselling process, encompassing registration, document verification, and the announcement of merit lists, is essential in determining students’ academic paths.

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FAQs for CET Exam 2026

Has the syllabus for MHT CET 2026 been reduced?

Some changes may be made to the syllabus (Class 11 and 12 topics can be added or removed). Candidates should always refer to the official CET Cell website for the latest updated syllabus.

I am 26 years old. Am I eligible to apply for MHT CET 2026?

Yes, you are eligible. There is no age limit for appearing in the MHT CET exam.

How many times is the CET exam conducted in a year?

The Common Entrance Test (CET) is generally conducted once a year for admissions into various professional courses in Maharashtra (and Karnataka for KCET).

How can I prepare for the CET exam in one month?

Start by understanding the full syllabus and exam pattern. Focus on high-weightage topics, revise formulas daily, and solve previous year question papers. Take mock tests regularly and improve speed and accuracy with time management practice.

Are 12th marks important for CET admissions?

Yes. In MHT CET, 12th board marks are important. Admission is generally based on a 50:50 weightage system, where CET score and Class 12 marks both contribute to the final merit.

When will the CET 2026 exam be held?

The MHT CET 2026 exam is expected to be conducted in two phases:

  • First attempt: 11 April 2026 to 26 April 2026
  • Second attempt: 10 May 2026 to 17 May 2026

Is MHT CET 2026 registration still open?

Registration dates for MHT CET 2026 are expected to be:

  • 10 January 2026 to 24 February 2026 (including late fee period)
    Candidates must apply within this window on the official CET Cell website.

What is the cutoff for CET 2026?

The cutoff varies every year depending on the exam difficulty, number of candidates, category, and course demand. Each college and branch will have different closing ranks/percentiles.

What is the application fee for MHT CET 2026?

The expected application fee structure is:

  • ₹1000 for General category / OMS / J&K migrants
  • ₹800 for Maharashtra reserved categories / PwD / Orphan / Transgender candidates
    Fees must be paid online and are non-refundable.

How should I prepare for the CET exam?

Understand the syllabus and exam pattern first. Make a structured study plan, practice mock tests, solve previous year papers, and revise regularly. Focus on weak areas and improve accuracy and speed.

What does CET stand for?

CET stands for Common Entrance Test. It is conducted for admission into professional courses such as engineering, pharmacy, agriculture, and medical-related programs.

Who is eligible for the CET exam?

For B.E./B.Tech courses, candidates must have passed Class 12 or equivalent with Physics and Mathematics as compulsory subjects along with Chemistry/Biology/Biotechnology/Electronics/Computer Science. Minimum marks are usually around 45% for general category students.

Vaishali Pandey
Content Marketer
Check out full profile

A banker turned content marketer with expertise in growth-focused content strategies for the finance and digital sectors.  She currently drives data-backed content initiatives at Propelld, through high-impact storytelling.

Before moving into content marketing, Vaishali spent nearly a decade in banking, across their asset and lending divisions and spent almost a decade in finance. An MBA in Marketing and a writer at heart, she finally took up content marketing and now simplifies money talks for the readers.

She is also a certified digital marketer (MICA), combining data-driven insights with creative storytelling to deliver measurable business growth.

Beyond work, Vaishali is a handcrafted brand founder, avid reader, and travel & food blogger, blending creativity and strategy in everything she does.

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General Financial Information Disclaimer

This page is intended solely for general educational and informational purposes. The content presented here does not constitute financial, legal, investment, or professional advice, and should not be relied upon as such.

Education loan terms including but not limited to interest rates, loan amounts, eligibility, collateral requirements, moratorium provisions, repayment schedules, processing timelines, and approval outcomes may vary significantly based on:

  • The policies and underwriting norms of the respective bank or NBFC
  • The applicant’s and co-applicant’s financial profile and credit history
  • The course, institution, country of study, and loan structure
  • Applicable Reserve Bank of India (RBI) guidelines and regulatory changes

Any examples, scenarios, timelines, or illustrations mentioned on this page are indicative only and are not guarantees of approval, disbursal, or identical outcomes.

Propelld primarily disburses education loans through its wholly-owned RBI-registered NBFC, Edgro, and partners with other regulated NBFCs for select offerings. Final decisions regarding loan sanction, pricing, documentation, and disbursal rest entirely with our lending team.

While every effort is made to ensure accuracy and currency of information, loan policies and regulatory guidelines may change over time. Readers are strongly advised to:

  • Verify details with the concerned bank or NBFC
  • Refer to official lender communications and RBI notifications
  • Seek independent financial or legal advice where required

By using this information, readers acknowledge that financial decisions should be made based on their individual circumstances and verified sources, and not solely on general guidance provided on this page.

RBI & Regulatory Alignment Disclaimer

Title: Regulatory & Policy Reference Disclaimer

The education loan rules, disclosures, borrower rights, and regulatory references mentioned on this page are derived from publicly available guidelines, circulars, and notifications issued by the Reserve Bank of India (RBI), along with applicable lending regulations governing Non-Banking Financial Companies (NBFCs).

Propelld primarily disburses education loans through its wholly-owned RBI-registered NBFC, Edgro, and partners with other regulated NBFCs for select offerings, and provides education loans in accordance with prevailing RBI norms and internal credit policies. However, final loan terms—including interest rates, sanctioned amounts, eligibility assessment, collateral or co-applicant requirements, moratorium structure, repayment schedules, and approval outcomes—are determined based on:

  • The applicant’s financial profile and credit assessment
  • Course, institution, and loan structure
  • Internal underwriting policies of Propelld
  • Applicable regulatory requirements in force at the time of sanction

Any regulatory explanations, interpretations, or summaries provided on this page are indicative and simplified for general understanding. They should not be treated as a substitute for official RBI notifications, lender-issued sanction letters, or legally binding policy documents.

RBI guidelines and lending regulations are subject to change from time to time. Readers are advised to:

  • Refer to the latest RBI circulars and official publications
  • Review Propelld’s sanction letter, loan agreement, and policy disclosures
  • Seek independent professional advice where clarification is required
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