Pilot Training Loans in India: Banks, Eligibility & Tips to Finance Your CPL (2025)

Published on: July 29, 2025

Pilot training in India can cost anywhere between ₹45 lakh to ₹80 lakh, and pursuing training abroad may go beyond ₹1 crore. For many aspiring pilots, securing a bank education loan is essential to start their CPL journey. In this guide, we explore banks offering pilot loans, eligibility criteria, loan amounts, and expert tips to increase your chances of approval in 2025.

1. Banks Offering Pilot Training Loans in India

Several public and private sector banks finance pilot training under professional education loans. Here are the most reliable options:

• State Bank of India (SBI): Offers up to ₹50–60 lakh for domestic CPL and ₹1 crore for training abroad with collateral.
• Punjab National Bank (PNB Udaan): Provides loans for professional aviation courses with up to ₹50 lakh limit.
• Canara Bank Vidya Turant: Covers DGCA-approved courses, both flying and ground school fees.
• Bank of Baroda & Union Bank: Offer secured loans for high-cost professional courses like CPL.
• Private lenders (HDFC Credila, ICICI): Provide flexible financing but at slightly higher interest rates.

2. Loan Amount, Interest Rates & Repayment

Education loans for pilot training typically follow these norms:

• Loan Amount: ₹40–60 lakh for domestic CPL, up to ₹1 crore with collateral for overseas training.
• Interest Rate: 9%–12% per annum (lower for public sector banks).
• Moratorium: Course duration + 6–12 months before EMI starts.
• Repayment Period: 7–15 years depending on bank policy and amount.

3. Eligibility & Documents Required

To apply for a pilot training loan in India, you need:

1. Proof of admission to a DGCA-approved flight school (domestic or abroad).
2. 12th-grade PCM pass certificate (minimum 60% preferred).
3. KYC documents of applicant and co-applicant (PAN, Aadhaar, passport).
4. Income proof of co-applicant (salary slips, IT returns).
5. Collateral documents if the loan exceeds ₹7.5 lakh (for unsecured loans).

4. Tips to Improve Loan Approval Chances

1. Apply with a co-applicant: A parent or guardian with stable income improves approval chances.
2. Maintain a good CIBIL score: Banks prefer co-applicants with a score of 700+.
3. Provide collateral for higher loans: Secured loans have lower interest and easier approval.
4. Start with ground school: Banks are more confident lending if you clear DGCA exams first.

Pro Tip: Combine a bank loan with state scholarships or Pilot CET discounts to reduce total debt burden.

Back To All Blogs