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SBI Pilot Training Loan

SBI Pilot Training Loan

Written By
Vaishali Pandey
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Updated On:
Feb 25, 2026
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5 Minutes
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Vaishali Pandey
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Updated On:
Feb 25, 2026

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SBI Pilot Training Loan

Dreaming of soaring the skies as a pilot but are concerned about the high cost of training? The SBI Pilot Training Loan offers a tailored financial solution, empowering aspiring aviators like you to pursue your dreams without financial strain. 

The demand for commercial pilots has significantly increased in recent years. In the coming twenty years, India will require over 41,000 new pilots to meet the growing aviation sector needs. 

This article will explore everything you need to know about the SBI Pilot Training Loan.

Keep reading to learn more!

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About SBI Pilot Training Loan 

The SBI Education Loan scheme can be used for commercial pilot training. The SBI pilot training loan is designed to help students cover the significant costs of earning a Commercial Pilot License (CPL), ranging from INR 40 lakhs to INR 50 lakhs or even more, depending on the flight school and program​. 

This loan is structured to offer flexibility in repayment, competitive interest rates, and substantial coverage for tuition and related expenses. 

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SBI Pilot Training Loan: Key Features

The SBI Education Loan Scheme is one of India's most popular loan offerings for students pursuing commercial pilot training and other eligible courses in India and abroad. 

Here’s a detailed breakdown of its key features.

Feature Details
Loan Amount - Medical Courses in India: Up to INR 30 Lakhs
- Other Courses: Up to INR 10 Lakhs
- Abroad Studies: Up to INR 7.5 Lakhs
Margin - Up to INR 4 Lakhs: No Margin
- Above INR 4 Lakhs: 5% for Studies in India and 15% for Studies Abroad
Security - Up to INR 7.50 Lakhs: Co-obligation of Parents is required. No Security/third-party guarantee is required.
- Above INR 7.50 Lakhs: Parental and guardian co-obligation, tangible collateral security of appropriate value, and the student's future income assignment for instalment payments
SBI Bank Pilot Training Loan Interest Rate 11.15%
Processing Charges - Up to INR 7.50 lakhs: NIL
Moratorium Period Course Duration + 1 Year
Loan Repayment Up to 15 years following the end of the course and the moratorium.
Expenses Covered - Tuition and hostel fee
- Laptop and computers
- Travel expenses
- Caution Deposit/Building Fund/Refundable Deposit
- Study tours and project work

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Also Read: SBI Education Loan - Eligibility and Interest Rates (2024)

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Get Education Loan for Any College in India. 100% Fees Financed- Propelld Education Loan

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SBI Global Ed-Vantage Loan for Pilot Training

The SBI Global Ed-Vantage Loan is a specialised education loan for students planning to pursue higher education abroad. It offers competitive interest rates, flexible repayment options, and high loan amounts to cover various expenses involved in studying abroad.

The table below highlights the key features of the SBI Global Ed-Vantage Loan.

Feature Details
Loan Amount - Minimum Loan Amount: Above INR 7.5 Lakhs
- Maximum Loan Amount: Up to INR 1.50 crores
Purpose Covers tuition fees, living expenses, travel, books, and other costs for studies abroad.
Interest Rates 11.15%
Repayment Terms Up to 15 years
Tax Benefit Yes, as per under section 80(E)
Collateral - Tangible collateral security is required.
- It is also possible to accept collateral security from a third party (other than parents).
Eligibility The loan is available for Indian students who have secured admission to full-time regular degree or diploma in commercial pilot training courses at foreign universities or institutions.
Processing Fee INR 10,000
Margin Assistantships and scholarships will be added to the margin

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Also Read: SBI Education Loan for Abroad 2024:Interest Rates & How to Apply

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‍SBI Education Loan for Pilot Training: Eligibility Criteria 

You must meet specific eligibility criteria when applying for an SBI Education Loan. These criteria vary based on the type of education and the course you’re pursuing. 

Below are the general eligibility requirements for an SBI Education Loan. 

Criteria Details
Nationality - The applicant must be an Indian citizen or have a valid Indian passport.
- Non-resident Indians (NRIs) with an Indian co-applicant may also be eligible.
Educational Qualification The student must have secured admission to a recognised educational institution in India or abroad.
Courses Covered - Regular degree or diploma courses such as Aeronautics, Commercial Pilot Training, Shipping, Nursing, or any other discipline recognised by the Director General of Civil Aviation, Director General of Shipping, or other relevant regulatory bodies are eligible, provided the course is pursued within India.
- Studying overseas: Reputable universities provide career-focused professional and technical graduation and post-graduation and diploma programs.

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Also Read: Education Loan for Pilot Training 2024: Interest Rates & Details

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SBI Pilot Training Loan: Documents Required

To apply for an SBI Education Loan for pilot training, you must submit various documents to verify your identity, education, and financial situation. 

Below is a list of the key documents typically required.

Documents Category Documents Required
KYC Documents - Identity Proof: Aadhaar Card, PAN Card, Passport, Voter ID, or Driving License.
- Address Proof: Aadhaar Card, Passport, Utility Bills, or Rental Agreement.
Admission Proof Admission letter from the educational institution confirming your enrollment in a recognised course.
Academic Records - Mark sheets and certificates of the most recent qualifying exams (such as 10th, 12th, or graduation).
- Entrance Exam Results (if applicable).
Fee Structure The institution provides a detailed fee structure for the entire course duration.
Collateral Documents (If applicable) Property papers or other asset documents must be submitted if the loan amount exceeds a certain threshold and requires collateral.
Income Proof of Co-Applicant - Latest salary slips or income tax returns (ITR) of the co-applicant (parent, guardian, or spouse).
- Bank statements for the last six months.
Other Essential Documents - Application Form
- Recent Passport-sized Photos

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Get upto 100% Education Fees Financed with Propelld. Simplified  Processing  Dedicated Support.

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SBI Education Loan for Pilot Training: Application Process

SBI Education Loan for Pilot Training: Application Process

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The SBI pilot training loan application process involves several steps to ensure you meet the bank’s requirements and submit the necessary documentation. 

This section will walk you through the detailed process of applying for an SBI Education Loan, covering both the online and offline methods. 

Online Application Process

1. Visit SBI’s Official Website

Start by visiting the official SBI website. Navigate to the education loan section and click on the "Apply Now" button, which will redirect you to the Vidya Lakshmi portal, a government platform for student loans.

2. Select the Right Loan Scheme

Choose the appropriate loan scheme that suits your needs. Review the terms and conditions to ensure it meets your requirements.

3. Complete the Application Form

Fill in the online application form with your personal details, academic information, and loan specifics. Ensure all information is accurate and matches your official records.

4. Upload Required Documents

Upload scanned copies of the necessary documents discussed in the previous section.

5. Submit the Application

Once you have reviewed the details, submit the application. 

Offline Application Process

1. Visit an SBI Branch

Visit your nearest SBI branch that handles education loans. 

2. Fill Out the Application Form

At the branch, request the education loan application form. Complete it carefully with all relevant information.

3. Processing and Verification

Once the application and documents are submitted, the bank will process your request and verify the information provided. 

4. Receive Sanction Letter

If the loan is approved, you will receive a sanction letter from the bank detailing the loan amount, repayment terms, and other conditions.

5. Loan Disbursement

Upon completion of the agreement, the loan amount will be disbursed.

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‍Minimal Documentation. Higher Chances of Approval. Easy Online Processes. Check Your Eligibility. 

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SBI Education Loan EMI Calculator 

The SBI Education Loan EMI Calculator is a useful tool for estimating the monthly repayments for the SBI bank pilot training loan amount you plan to borrow. It helps you better understand the financial commitment and plan your repayment strategy effectively. 

SBI Education Loan EMI Calculator 

How to Use the SBI Education Loan EMI Calculator

1. Visit the SBI EMI Calculator Page

Go to the official SBI website and find the EMI calculator specifically for education loans.

2. Enter the Loan Amount

Input the total loan amount you wish to borrow. This typically includes tuition fees, accommodation, and other educational expenses.

3. Input the Loan Tenure

Enter the repayment period or tenure for the loan. The repayment period usually starts after the completion of your course and the designated moratorium period.

4. Provide the Interest Rate

Input the applicable interest rate. 

5. View the EMI Result

Once all the details are entered, the calculator will instantly provide the EMI amount. This figure represents the amount you will need to pay monthly to repay the loan over the selected tenure.

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Requirements for Pilot Training Abroad

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Aviation schools around the world offer top-tier training programs, but aspiring pilots must meet specific prerequisites and requirements. These requirements ensure that candidates are physically, academically, and financially prepared for the rigorous training required to become professional pilots. 

Below is an overview of the typical requirements for pursuing pilot training abroad.

Requirements for Pilot Training Abroad

1. Medical Fitness

Physical and medical fitness are among the most critical requirements for pilot training. You must undergo a Class 1 Medical Examination certified by an authorised medical examiner. 

2. Educational Qualifications

Most aviation schools require a high school diploma or equivalent with a focus on science and mathematics. Strong foundational knowledge in subjects like physics, mathematics, and English is essential because these subjects play a significant role in understanding the technical aspects of aviation.

3. Entrance Exams and Aptitude Tests

Some flight schools may require candidates to pass an entrance exam or aptitude test to evaluate their academic abilities, problem-solving skills, and suitability for pilot training.

4. Research and Choose a Reputable International Pilot Training Facility

Conduct thorough research on top international aviation schools to find the one that best fits your needs, including location, training quality, fees, and global recognition.

‍5. Complete Theoretical and Practical Training

Students must complete theoretical training covering critical areas such as aviation regulations, meteorology, aircraft systems, navigation, and flight safety.

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Pilot Training Loan: A Comparative Analysis

When considering an education loan, it’s essential to compare the offerings of different lenders to ensure you choose the best option for your financial needs. 

Here's a comparison of SBI Education Loan against other lenders, highlighting key aspects such as loan amount, interest rates, repayment flexibility, and other benefits.

Feature State Bank of India Punjab National Bank Axis Bank HDFC Bank
Applicable Rate of Interest 11.15% Up to INR 7.5 Lacs: MCLR + 2.00%
Above INR 7.5 Lacs: 2.60%		 Up to 4 Lacs: 16.50%
Up to 7.5 Lacs: 17.50%
Above 7.5 Lacs: 15.50%		 12.10% + floating rate (depends on risk points of the applicant)
Max Loan with Collateral Medical Courses: Up to INR 30 Lakhs
Other Courses: Up to INR 10 Lakhs
Abroad Studies: Up to INR 7.5 Lakhs 		For India: 10 Lacs
For Abroad: 20 Lacs 		For India: 10 Lacs
For Abroad: 20 Lacs and beyond based on requirement 		For India: 10 Lacs
For Abroad: 100% Finance
Max Loan without Collateral For India: 10 Lacs For India: 10 Lacs
For Abroad: 20 Lacs		 For India: 10 Lacs
For Abroad: 20 Lacs		 For India: 10 Lacs
Processing Fee Up to INR 7.50 lakhs: Nil Nil Nil 1% of the loan amount
Repayment Period 15 years 15 years Seven years Loan up to INR 7.5 Lacs: 10 years
Above INR 7.5 Lacs: 15 years
Loan for Top Institutions Yes, SBI Scholar Loan Scheme Yes, PNB Pratibha No No
Margin Loans above INR 4 Lacs
In India: 5%
Abroad: 15% 		Up to INR 4 Lacs: NIL
Above INR 4 Lacs: 5% 		Up to 4 Lacs: No margin
Above 4 Lacs: 5% for India
15% for Abroad 		Up to INR 4 Lacs: Nil
Above INR 4 Lacs: 5%
Age Limit No age limit No age limit No 18 years
Loan Security Up to 7.50 Lacs: Only Parent/Guardian as co-borrower
Above INR 7.50 Lacs: Tangible security 		Up to INR 7.50 Lacs: Parent as co-borrower
Above INR 7.50 Lacs: Collateral security 		Third-party guarantee, collateral security Up to INR 4 Lacs: No security
INR 4 to 7.50 Lacs: Third-party guarantee
Above INR 7.50 Lacs: Collateral security
Eligibility Concession for SC/ST No 50% for SC/ST, 60% for General No No
Processing Time 20 days 15 days 14 days 7 days
Prepayment Charges Nil Nil Nil 4% of principal + taxes (if pre-closed during moratorium)
Penal Charges Penal interest @ 2% for loans above INR 4 Lacs Nil @ 2% per month on overdue installments @ 2% per month on overdue installments
Mandatory Insurance Cover Yes Yes Yes No
Travel Expenses Yes Yes Yes Yes (one-way travel)
Top-up Loan Availability Yes Available Unavailable Unavailable
Interest Subsidy Schemes Padho Pardesh, CSIS, Skill Loan Scheme Padho Pardesh, CSIS, Skill Loan Scheme CSIS CSIS
Concessions/Benefits Concession to female students 1% concession if interest is serviced during moratorium 0.5% concession to female students 0.5% concession if interest is serviced during moratorium
Tax Benefit Yes Yes Yes Yes

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The SBI Pilot Training Loan provides a strong financial solution for aspiring pilots, covering various costs associated with domestic and international training programs. Competitive interest rates and flexible repayment options make pursuing an aviation career more accessible. With thorough research and preparation, you’re well on your way to achieving your dreams of becoming a pilot and soaring to new heights in your career.

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Ready to take off on your journey to becoming a pilot? Propelld makes financing your dream of pilot training effortless and attainable. Whether you’re training domestically or abroad, Propelld ensures you have the financial support you need to reach for the skies.

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Why Propelld?

Particulars Details
Max Loan Amount 50 Lakhs
Collateral Not Required
Moratorium Available
Processing Time 10 Times Faster than Banks
Disbursal Time 7 Days
Approval Rate Higher than Other Banks
Special USP Marks Based Approval
% Financed 100% of Fees

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Start your flight path to success with Propelld today! Apply now and let us help you achieve your aviation dreams.

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Important FAQs About SBI Pilot Training Loan

1. What is the SBI Pilot Training Loan, and who can apply for it?

The SBI Pilot Training Loan is a specialised education loan under SBI’s scheme that helps aspiring pilots finance domestic and international pilot training programs. Eligible applicants must be Indian citizens with confirmed admission to a recognised aviation institute.

2. How much loan amount can I avail for pilot training under SBI Education Loan?

SBI offers loans up to INR 10 lakhs or more, depending on the institution, course fees, and whether collateral is provided.

3. What is the interest rate for SBI Pilot Training Loan?

The interest rate for SBI Pilot Training Loan is 11.15%, making it competitive among aviation education financing options.

4. What expenses are covered under the SBI Pilot Training Loan?

The loan covers tuition fees, hostel charges, study materials, laptops, travel expenses, and other course-related costs.

5. Is collateral required for the SBI Pilot Training Loan?

Collateral is required for loans exceeding INR 7.50 lakhs and can be in the form of property or a third-party guarantee. Loans below this amount often do not require collateral.

6. Can I use the SBI Pilot Training Loan for studying abroad?

Yes, the SBI Global Ed-Vantage Loan allows students to pursue international pilot training at reputed aviation schools worldwide.

7. What is the repayment period for SBI Education Loans for pilot training?

The repayment tenure extends up to 15 years after completion of the course and the moratorium period.

8. How do I apply for the SBI Pilot Training Loan?

You can apply online via the Vidya Lakshmi portal or offline by visiting the nearest SBI branch with the required documents.

9. What documents are required to apply for the SBI Education Loan for pilot training?

Documents include KYC proofs, admission letters, academic transcripts, fee structure, and collateral documents (if applicable).

10. Can I estimate my EMI for the SBI Pilot Training Loan?

Yes, SBI provides an EMI Calculator on its website to help applicants plan monthly repayments efficiently.

11. What are the eligibility criteria for SBI Pilot Training Loans?

Applicants must be Indian citizens with a valid passport, have secured admission in a recognised pilot training institute, and meet SBI’s age, academic, and financial requirements.

12. Can I get tax benefits for SBI Global Ed-Vantage Loan?

Yes, borrowers can avail tax deduction under Section 80(E) of the Income Tax Act for interest paid on education loans.

13. How do I choose the best international pilot training institute?

Research institutes based on global recognition, faculty quality, course fees, infrastructure, placement support, and alumni feedback.

14. What are the typical requirements for pursuing pilot training abroad?

Requirements often include medical fitness, minimum educational qualifications, entrance exams, aptitude tests, and completion of theoretical and practical flight training.

15. Are there any flexible repayment options under SBI Pilot Training Loan?

Yes, SBI offers flexible repayment schemes where EMIs start after course completion, and partial prepayments or foreclosures are allowed subject to loan terms.

About the Author

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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 operates as an RBI approved NBFC. 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.

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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 is an RBI-regulated NBFC 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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