Personal
Full name, date of birth, gender, phone, email, and address.
Platform services
Apply for an education loan without leaving the platform.
Know To Win includes a structured loan application module that allows learners to submit, track, and manage an education loan request. All personally identifiable and financial data is encrypted at rest — each application uses its own unique encryption key.
Application scope
A complete application — personal, educational, financial, and legal.
The education loan module captures everything a loan provider needs in a single structured flow.
Educational
Institution, course type, duration, HSC and graduation marks, entrance exam score, total course fees, fee structure, and admission letter.
Financial
Family annual income, applicant income, co-borrower income, and existing liabilities.
Loan specifics
Amount requested (up to ₹1 Cr), purpose, repayment tenure, interest rate, EMI estimate, grace period, and prepayment options.
Collateral
Type, valuation, and documentation URL for any collateral being offered.
Guarantor
Name, relationship, KYC document, and bank statement.
Disbursement
Bank name, account number, and IFSC code for the receiving account.
Subsidy & Category
Category certificate, applicable government scheme, and subsidy eligibility proof.
Post-course
Expected employment role and placement proof URL after course completion.
Application lifecycle
Track your application from draft to decision.
01
Draft
Fill in your details at your own pace. Nothing is submitted until you choose to submit.
02
Submitted
Your completed application is sent for review by the platform team.
03
Under review
The platform team routes the application to a loan provider. Additional document requests may be raised at this stage.
04
Decision
Application is approved or returned with notes requesting revision. The full history of status changes is preserved.
Your data is protected
All sensitive fields are encrypted at rest with a per-application key.
Every education loan application uses a unique Data Encryption Key (DEK). Personal details, contact information, income figures, bank account details, and guarantor information are all encrypted with this key before they are stored. Access to decrypted data is controlled by the platform's admin key system.
Per-application encryption
Each application gets its own unique DEK — no two applications share the same key, so a single key exposure cannot compromise other records.
What is encrypted
Name, contact details, income figures, bank account number, IFSC code, guarantor name and documents, and all uploaded document URLs are encrypted before storage.
Encrypted search indexes
Even the search index uses HMAC n-gram techniques so encrypted PII fields can be looked up without ever decrypting in bulk.
Ready to apply?
Log in and navigate to Services → Education Loans to start your application.
Your draft is saved automatically — come back and complete it whenever you are ready.