Property documents are required only when your education loan is structured as a secured (collateral-based) loan. This usually applies when the loan amount is higher (typically above ₹7.5 lakhs or for ₹20–50 lakhs for abroad studies), when the co-applicant’s income or CIBIL profile does not meet unsecured eligibility, or when bank policies require additional security beyond their unsecured limits. Banks like State Bank of India, Bank of Baroda, and Punjab National Bank may request collateral in such cases. Typically, accepted properties include residential houses or flats, non-agricultural plots, select commercial properties, or even fixed deposits, while agricultural land is generally not considered. Required documents usually include the sale deed, title deed, 20–30 years’ chain documents, property tax receipts, approved building plan, occupancy certificate, encumbrance certificate, and society NOC (if applicable).