
1800 180 2222 (Phone Banking Services)
Products & Services |
Contact Numbers | Email ID |
Customer Care Division |
Toll Free No. 1800 180 2222 1800 103 2222 Tolled No. 0120-2490000 Landline :011-28044907 |
care [at] pnb [dot] co [dot] in |
Balance Enquiry by Missed Call Service(Toll Free) |
1800 180 2223 |
callcentre [at] pnb [dot] co [dot] in ( Customer Care Centre)
ibshelpdesk [at] pnb [dot] co [dot] in (IBS Help Desk)
S No. | Circle | Contact No | Circle Head Name | Address | |
---|---|---|---|---|---|
1 | Agra | 0562-2851336 | chagra [at] pnb [dot] co [dot] in | P K Gupta | 1-2, Raghunath Nagar, MG Road, Agra, U P -282002 |
2 | Ahmedabad | 079-26583958 | chahmedabad [at] pnb [dot] co [dot] in | Anupam Anupam | 6th Floor,Gujarat Bhavan, Opp M J Library, Ellissbridge, Ahmedabad,Gujarat-380006 |
3 | Allahabad | 0532-2560148 | challahabad [at] pnb [dot] co [dot] in | Puskar Kumar Tarai | First Floor Sangam Place, Civil Lines, Allahabad |
4 | Alwar | 0144-2700858 | chalwar [at] pnb [dot] co [dot] in | G R Soni | 1st & 2nd Floor, Harshil Tower, Naru Marg, Aerodrome Road, Alwar, Rajasthan. |
5 | Amritsar | 0183-2225519 | chamritsar [at] pnb [dot] co [dot] in | Satyawan Ohlan | 2nd Floor,Opp.St. Francis Schoo;, MC LEOD Road, Amritsar,Punjab- 143001 |
6 | Andhra (Vijayawada) | 0866-2562821 | chandhra [at] pnb [dot] co [dot] in | Uday Bhaskar Reddy | House No: 9-35, First Floor, Kavuri Towers, Kamayya Thopu Centre, Kanuru, Vijayawada, Andhra Pradesh-520007 |
7 | Arrah | 06182-242419 | charrah [at] pnb [dot] co [dot] in | Deepak Sharma | 2nd Floor,Hotel Regal Complex,East Ramana Maidan Rd,Ara , Bihar-802301 |
8 | Bareilly | 0581-2520440 | chbareilly [at] pnb [dot] co [dot] in | Praveen Kumar Jain | PNB House Plibhit Bypass Road,Bareilly,U P -243006 |
9 | Bharatpur | 05644-222012 | chbharatpur [at] pnb [dot] co [dot] in | Rajeev Jain | PNB House, Super Bazar, Bharatpur, Rajasthan-321001 |
10 | Bhatinda | 0164-2250414 | chbhatinda [at] pnb [dot] co [dot] in | Ramesh Kumar Goel | SCO 29 to 31,Model Town,Ph-1,Opposite TV Tower, Bhatinda, Punjab-151001 |
11 | Bhopal | 0755-2553213 | chbhopal [at] pnb [dot] co [dot] in | Purna Chandra Behera | PNB House,1,Arera Hills,Bhopal, M P -462011 |
12 | Biharshariff | 06112-238578 | chbiharsharif [at] pnb [dot] co [dot] in | Rajendra Singh | Ramchandrapur,Biharsharif,Distt Nalanda,Bihar -803101 |
13 | Bilaspur | 07752-412659 | chbilaspur [at] pnb [dot] co [dot] in | Kashmiri Lal Kukreja | A-48, Gaurav Path Ring Road No.2, Near Pallav Bhawan Bilaspur - 495001 |
14 | Bokaro | 06542-231900 | chbokaro [at] pnb [dot] co [dot] in | Rajesh Kumar Arora | Sector 4, City Centre, Bokaro Steel City Bokaro, Jharkhand |
15 | Bulandshahr | 05732-283504 | chbulandshahar [at] pnb [dot] co [dot] in | Arun Sharma | PNB House, Yamunapuram,Bulandshahr, U P -203001 |
16 | Burdwan | 0342-2646342 | chburdwan [at] pnb [dot] co [dot] in | Manoj Kumar Singh | Shri Durga Market,GT Road 2nd floor ,police line bazar post office – Sripally Burdwan West Bengal – 713103. |
17 | Chandigarh | 0172-2709678 | chchandigarh [at] pnb [dot] co [dot] in | Sanjeev Kumar Bajaj | PNB House,SCO.31-42,Bank Square,Sec-17B Chandigarh, PIN-160017 |
18 | Chennai | 044-28120201 | chchennai [at] pnb [dot] co [dot] in | Swarajya Lakshmi M | PNB Towers, 2nd & 3rd floor, no.46-49, Royapettah High Road, Royapettah, Chennai – 600014. |
19 | Coimbatore | 0422-2238841 | chtrichy [at] pnb [dot] co [dot] in | T Krishnamachari Bala Mukundan | 179, Khanda Enclave,Ram Nagar, Coimbatore – 641009, Tamil Nadu |
20 | Darbhanga | 06272-246012 | chdarbhanga [at] pnb [dot] co [dot] in | Devendra Kumar Yadav | Near Radio Station, G M Road Distt – Darbhanga, Bihar - 846004 |
21 | Dehradun | 0135-2710107 | chdehradun [at] pnb [dot] co [dot] in | Regginald Dharm Sewak | PNB House,1-Paltan Bazar,Dehradun, Uttrakhand-248001 |
22 | Delhi Central | 011-25753581 | chcentraldelhi [at] pnb [dot] co [dot] in | Bibhu Prasad Mahapatra | Rajendra Bhawan, Rajendra Place, New Delhi-110008Bi |
23 | Delhi North | 011-25864287 | chnorthdelhi [at] pnb [dot] co [dot] in | R R Dhar | Rajendra Bhawan, Rajendra Place, New Delhi-110008 |
24 | Delhi South | 011-25728133 | chsouthdelhi [at] pnb [dot] co [dot] in | Sanjay Varshneya | Rajendra Bhawan, Rajendra Place, New Delhi-110008 |
25 | Dharamshala | 01892-225134 | chdharamshala [at] pnb [dot] co [dot] in | Sunil Jain | Near GPO, Dharamshala,HP-176215 |
26 | Ernakulam | 0484-2384614 | chernakulam [at] pnb [dot] co [dot] in | Sarita Singh | PNB House,2nd Floor, 40/1461,Market Road, Ernakulam,Kochi, Kerala-682011 |
27 | Faizabad | 05278-244370 | chfaizabad [at] pnb [dot] co [dot] in | Ratan Singh Rohil | Acharya NarendraDeo Nagar, Deokali Road, Distt- Faizabad, U P - 224001 |
28 | Gaya | 0631-2221026 | chgya [at] pnb [dot] co [dot] in | R Mahalingam | 400, A P Colony, Gaya, Bihar-823001 |
29 | Gorakhpur | 0551-2205046 | chgorakhpur [at] pnb [dot] co [dot] in | Rakesh Kumar Arora | Alhadpur, Opp. Tulsi Inter College,Gorakhpur, U P -273001 |
30 | Gwalior | 0751-2430037 | chgwalior [at] pnb [dot] co [dot] in | Sanjeev Singla | Vatsal Mansion, Citry Centre Gwalior M.P |
31 | Hamirpur | 01972-222349 | cohmr [at] pnb [dot] co [dot] in | Kiran Kumar Tarania | New Road Hamirpur (HP) -177001 |
32 | Haridwar | 01334-233933 | chharidwar [at] pnb [dot] co [dot] in | Nirendra Kumar | Sector-IV,BHEL Complex,Haridwar,Uttarakhand-249401 |
33 | Hissar | 01662-247733 | chhissar@]pnb.co.in | Paresh Kumar Das | ITI Chowk,Dabra Road, Hissar,Haryana-125005 |
34 | Hoshiarpur | 01882-222022 | chhoshiarpur [at] pnb [dot] co [dot] in | R K Bajpai | Improvement Trust Building, Chandigarh Road,Hoshiarpur, Punjab |
35 | Hyderabad (Telangana) | 040-23235646 | chhyderabad [at] pnb [dot] co [dot] in | Radhika Shivram Bhatawadekar | 6-1-73,Sayeed Plaza,Saifabad,Hyderabad-500004 |
36 | Indore | 0731-4224022 | chindore [at] pnb [dot] co [dot] in | Prem Kumar Aggarwal | 20,Sneh Nagar,Indore, M P |
37 | Jabalpur | 0761-2401084 | chjabalpur [at] pnb [dot] co [dot] in | Sanjay Verma | 1227,Napier Town, Jabalpur, M P -482001 |
38 | Jaipur | 0141-2747135 | chjaipur [at] pnb [dot] co [dot] in | Rajendra Kumar Vashishtha | 2, Nehru Place, Tonk Road,Jaipur, Rajasthan -302015 |
39 | Jalandhar | 0181-2224922 | chjalandhar [at] pnb [dot] co [dot] in | Ajay Virmani | Civil Lines, Jalandhar, Punjab-144001 |
40 | Jammu | 0191-2471979 | chjammu [at] pnb [dot] co [dot] in | S K Rana | Gupta Tower, 1st Floor Rail Head Complex, Bahu Plaza, Jammu 180012 |
41 | Jhansi | 0510-2321460 | chjhansi [at] pnb [dot] co [dot] in | R C P Saxena | Near Sudha Nursing Home, Kanpur Road, Jhansi, U P -284128 |
42 | Jodhpur | 0291-2431958 | chjodhpur [at] pnb [dot] co [dot] in | Avinash Kumar Vyas | 802,Angira Darpan,1st Floor,Chopasni Road,Jodhpur, Rajasthan-342003 |
43 | Kanpur | 0512-2312448 | chkanpur [at] pnb [dot] co [dot] in | Subodh Kumar Kala | 59/29 Birhana Road, Kanpur, U P-208001 |
44 | Kapurthala | 01822-501811 | chkapurthala [at] pnb [dot] co [dot] in | Surindar Pal Singh | PNB House, Satyanarayan Bazar, Kapurthala,Punjab-144601 |
45 | Karnal | 0184-2269618 | chkarnal [at] pnb [dot] co [dot] in | K K Singla | Meera Ghati Sadbhawana Chowk, GT Road,Karnal, Haryana-132001 |
46 | Karnataka | 080-25095076 | chbangalore [at] pnb [dot] co [dot] in | Ramdas K Hegde | 26-27 , M G Road, Raheja Towers,Banglore, Karnataka-560001 |
47 | Kashipur | 05947-276940 | chkashipur [at] pnb [dot] co [dot] in | Amritabh Anand | Bazpur Road,Kashipur Distt Udhamsingh Nagar, Uttrakhand-244716 |
48 | Kolkata | 033-26543510 | chkolkatta [at] pnb [dot] co [dot] in | Onkarjeet Singh | A G Tower,3rd Floor,125/1, Park Street, Kolkata-700017 |
49 | Kozhikode | 0495-2742614 | chkozhikode [at] pnb [dot] co [dot] in | Sumitra Baskaran(Ms.) | Shathabdi Bhavan, Mini Bypass Road, PO Govindapuram, Kozhikode-673016,Kerala |
50 | Kurukshetra | 01744-224716 | chkurukshetra [at] pnb [dot] co [dot] in | S K Chopra | Sandeep Chatha Complex,Pipli Road, Kurukshetra, Haryana-136118 |
51 | Lucknow | 0522-2306818 | chlucknow [at] pnb [dot] co [dot] in | Shikha Sharma | 4,Vibhuti Khand,Opp PICUP Building, Gomti Nagar,Lucknow, U P -226010 |
52 | Ludhiana | 0161-2550121 | chludhiana [at] pnb [dot] co [dot] in | Pradeep Kumar Mehta | Site No.-5, Ferozepur Road, Ludhiana,Punjab-141012 |
53 | Mandi | 01905-223562 | chmandi [at] pnb [dot] co [dot] in | Vinder Kumar Sharma | M G Road,Mandi Distt.- Mandi (H.P.) PIN-175001 |
54 | Meerut | 0121-2671230 | chmeerut [at] pnb [dot] co [dot] in | Anil Kumar Sachdeva | LIC Building,Prabhat Nagar, Saket, Meerut, U P -250001 |
55 | Midnapore | 03222-274365 | chmidnapur [at] pnb [dot] co [dot] in | Sumanta Mohanty | Vidyasagar Road,Battala Chowk, Midnapur, W B - 721101 |
56 | Moradabad | 0591-2455141 | chmoradabad [at] pnb [dot] co [dot] in | P Mahender | Ram Ganga Vihar, Ph-II, Kanth Road,Moradabad, U P -244001 |
57 | Mumbai City | 022-22186829 | chmumbaicity [at] pnb [dot] co [dot] in | Sandip Kumar Panigrahi | Maker Tower F-Wing, 7th Floor, Cuffe Parade World Trade Centre Mumbai |
58 | Mumbai Suburb | 022-26532678 | chmumbaisuburb [at] pnb [dot] co [dot] in | Sunil Kumar Goyal | Plot Noc-5, G Block, Bandra Kurla Complex, Bandra(East), Mumbai-400 051 |
59 | Muzaffarnagar | 0131-2600643 | chmuzaffarnagar [at] pnb [dot] co [dot] in | Manvendra Pratap Singh | 68,Kambalwala Bagh,New Mandi Muzaffarnagar, U P 251001 |
60 | Muzaffarpur | 0621-2273366 | chmuzaffarpur [at] pnb [dot] co [dot] in | Rakesh Kumar Jain | Aghoria Bazar, Mazaffarpur, Bihar-842002 |
61 | Nagpur | 0712-2545888 | chnagpur [at] pnb [dot] co [dot] in | Hemant Pandurang Kulkarni | PNB House, Kingsway, Nagpur, M P -440001 |
62 | Noida | 0120-4818111 | chnoida [at] pnb [dot] co [dot] in | Amir Singh Yadav | C-13, 3rd floor, Sector-1, Noida-201301 |
63 | North East | 0361-2458797 | chguwahati [at] pnb [dot] co [dot] in | S K Mangal | Nilgiri Mansion, Bhangagarh, G S Rd,Guwahati-781005 |
64 | Orissa | 0674-2535613 | chbhubaneswar [at] pnb [dot] co [dot] in | Ganpat Lal | Deen Dayal Bhawan,4th Floor,Janpath, Ashok Nagar,Bhubaneswar,Orissa-751009 |
65 | Patiala | 0175-5030200 | chpatiala [at] pnb [dot] co [dot] in | Surinder Kumar Thapar | Karam Complex, Sirhind Road,Patiala, Punjab-147001 |
66 | Patna | 0612-2228242 | chpatna [at] pnb [dot] co [dot] in | Sudhir Dalal | Chanakya Tower,R- Block.Patna-800001 |
67 | Pune | 020-26133863 | chpune [at] pnb [dot] co [dot] in | Sanjay Kandpal | Aurora Towers, Mezzanine Floor,9 Moledina Road,Pune Camp, Pune-411001 |
68 | Raipur | 0771-2226223 | chraipur [at] pnb [dot] co [dot] in | Madan Mohan Babu Gottipati | Circle Office Raipur, Plot No.46, Sector 24, Opposite to Block-A, Atal Nagar(Naya Raipur)-641009 |
69 | Ranchi | 0651-2331073 | chranchi [at] pnb [dot] co [dot] in | S K Panigrahi | Bagroy Market,Main Road, Ranchi-834001 |
70 | Rohtak | 01262-228000 | chrohtak [at] pnb [dot] co [dot] in | A K Bansal | Ram Gopal Colony,Sonepat Road, Rohtak, Haryana-124001 |
71 | Sambalpur | 0663-2535501 | chsambalpur [at] pnb [dot] co [dot] in | Deepak Kumar | Balaji Mid Town, 1St Floor, Deheripali, Po-Budharaja,Dist:-Sambalpur, Odisha - 768004 |
72 | Shimla | 0177-2651733 | chshimla [at] pnb [dot] co [dot] in | Deepak Kumar | Regent House, Near Lift,The Mall, Shimla, H P - 171001 |
73 | Sriganganagar | 0154-2460707 | cosgn [at] pnb [dot] co [dot] in | Daljit Singh | PNB House Meera Chowk Jawahar Nagar Srigangangar (Raj) Pin-335001 |
74 | Surat | 0261-2701001 | chsurat [at] pnb [dot] co [dot] in | Dinesh Mittal | 4th floor, Tulsi krupa Arcade, Aaimata chowk, Suratbardoli road, Surat-395010 |
75 | Udaipur | 0294-6611100 | chudaipur [at] pnb [dot] co [dot] in | Mukesh Jain | LIC Building 3rd Floor Reti Stand Udaipur, 313002 |
76 | Varanasi | 0542-2506063 | chvaranasi [at] pnb [dot] co [dot] in | Harbans Singh Kanwar | S-20/56 D, Kenndy road,The Mall, Cantonment, Varanasi, U P -221002 |
S No. | Zonal Office | Contact No/Email ID | Name | Command Area | Address |
---|---|---|---|---|---|
1 | Agra | 0562-2529117/ zoagra[@pnb.co.in | Bikker Singh Mann | West Uttar Pradesh | 1-2, Raghunath Nagar, M.G. Road, Agra-UP- 282002 |
2 | Bhopal | 0755-2550663/ zobhopal [at] pnb [dot] co [dot] in | Praveen Kumar Jain | MP & Chhattisgarh | PNB House,1,Arera Hills, Bhopal-462011 |
3 | Chandigarh | 0172-2713163/ zochandigarh [at] pnb [dot] co [dot] in | Dilip K Jain | Chandigarh &Haryana | PNB House,SCO.31-42, Bank Square, Sector- 17B,Chandigarh-160017 |
4 | Delhi | 011-25754001/ zodelhi [at] pnb [dot] co [dot] in | Ram Kumar | Haryana,Delhi & UP | 4th Floor, Rajendra Bhawan, Rajendra Place, New Delhi |
5 | Jaipur | 0141-2743349/ zojaipur [at] pnb [dot] co [dot] in | Vibha Aren | Rajasthan | 2,Nehru Place,Tonk Road,Jaipur, Rajasthan- 302015 |
6 | Kolkata | 033-22358011/ zokolkata [at] pnb [dot] co [dot] in | Chander Khurana | West Bengal,Orissa, North eastern stats, A&N Island | PNB House 18A Brabourne Road ,Kolkata-700001 |
7 | Lucknow | 0522-2728041/2306853/ zolucknow [at] pnb [dot] co [dot] in | Sameer Bajpai | East UP | 4,Vibhuti Khand,Opp.PICUP Building,Gomti Nagar, Lucknow, UP -226010 |
8 | Ludhiana | 0161-2550120/ zoludhiana [at] pnb [dot] co [dot] in | Praveen Kumar Anand | Punjab | Site No.-5, Ferozepur Road,Ludhiana, Punjab-141012 |
9 | Meerut | 0121-2671472/ zomeerut [at] pnb [dot] co [dot] in | Western UP & Uttarakhand | LIC Building,Prabhat Nagar,Saket,Meerut, UP-250001 | |
10 | Mumbai | 022-22833802/ zomumbai [at] pnb [dot] co [dot] in | Rajeev Puri | Gujarat,Maharashtra, Goa, | Dalamal House,11th Floor, Nariman Point,Mumbai-400021 |
11 | Patna | 0612-2506709/ zopatna [at] pnb [dot] co [dot] in | D K Paliwal | Bihar & Jharkhand | R-Block, Chanakya Tower, Chankya Place,Patna-800001 |
12 | Shimla | 0177-2651441/ zoshimla [at] pnb [dot] co [dot] in | Dinesh Saxena | Himachal Pradesh & Jammu | Regent House, The Mall, Shimla-HP-171001 |
13 | Chennai(South) | 044-28112218/ zochennai [at] pnb [dot] co [dot] in | Binod Kumar | TamilNadu, Kerala, Karnataka, Andhra and Telegana | 4TH &5TH Floor, PNB Towers, 46-49 Royapettah High Road, Royapettah , Chennai – 600014 |
For Complain Redressal Procedure you can contact the Following
Level I (Circle Head) | Level II (Zonal Manager) | Level III (General Manager HO) |
---|---|---|
Circle Head |
Zonal Manager |
Praveen Kumar Anand For COVID-19 related Grievances : Dear Customer, PNB`s new Toll Free |
Use your registered mobile to send SMS
OR
For Example: ESTMT 2222 Email ID
OR
Hotlist of Debit card
If Loss or theft of your card and you want to Block/Hostlist it
For Example: SMS- HOT 5122231556556451 to 5607040
Debit card once hotlisted cannot be de-hotlisted
For Failed Or Wrong Cash Withdrawal Intimation
For all such complaints you can call Toll Free No and through Paid Helpline No given above
Hotlist of Credit card
If Loss/theft/fraudulent transaction or suspicion of card
For Internet Banking Transaction (IBS) And For Mobilet Banking Transaction (MBS)
For Example: BLOCK IBS XYZ101010
For Example: BLOCK MBS PQR202020
If you want to enabled again ,the disabled password can be re-enabled(same password will be enabled again)
by click the option given in the SMS
PNB Housing Finance Toll Free Number | 18001208800 |
PNB Housing Finance Customer Care Number | 011-23357174 |
PNB Housing Finance Customer Care Email | loans [at] pnbhfl [dot] com |
Registered- cum- corporate office | 011-23325759 / 5779, 23737891,23738985 |
pnbgilts [at] pnbgilts [dot] com |
Corporate Office Mumbai | 022-26532745 |
maheshp [at] pnbisl [dot] com | |
Regd Office & Head Office | 011-41032929 |
coo [at] pnbisl [dot] com |
PNB NATIONAL BANK
Plot No 4, Sector -10 Dwarka
New Delhi -110075
Comments
testing mail
i want to open an account in pnb please tell me what are the required document should i carry at the time of account opening.
Complaint
I have a huge problem with Punjab National Bank Branch Bhatni IFSC PUNB0123700
There no one is going to co-operate with any customer they are having advantage of their position we can speak about them
PNB BANKING fraud
Dear Sir, I had fraud of ₹ 20000 with me, the same day I informed the bank and today 1 month and 10 days have been close and the bank manager is not helping me about the fraud, so I request you to Get me money help me thanks
Original documents not given even after clearing the loan
With reference to the above subject, I paid my complete home of 83 lacs some change. It almost 22 days still they haven't provided the original home documents.
Worse services from PNB staff and manager are very rude.
Mysore
Saraswati puram branch
Mysuru
Pls take appropriate action on this and give proper service to customers.
Complaint // fraud // sold insurance on the name of fd //
Is it good that after every 6-8 months we make complaints
This time they committed a fraud
few months ago I visited same branch to make a fdr they offered me a plan where I could get more benefit than fdr but it was just like fdr
I completed necessary actions for the same and then one day i went there to get my money so your executive said dear sir it was an insurance if you don't pay for the next 5 years aap k paise to nadi me doob gaye
The level of fraud you people teach your employees??? Why , to sell insurance.
Should we stop banking with pnb because of fradusters you people hire to make fraud to complete targets of insurance
Pnb is a bank Or insurance company kindly decide...
Executive told me that it is a fdr with insurance and more percent of interest I thought its nice I would get a insured fdr. my neighbor got a booklet 2-3 months ago den I contacted the same person to ask what's is this??he also gave me an option to get a loan at 10% to pay your insurance , what the hell is this??
You people are hiring employees to do fraud
Why??
Customers are not important or employee training is not effective for the employees or they are so target based that they do fraud and cheat too...
Earlier also I complained for the bad behavior of staff I think it was the revenge taken by them intentionally by using sweet quoted tongue..
Thanks
Abhishek
Branch manager bad behaviour
I SK Jalil Hussain vill Dharmadanga po.bewa farakka murshidabad I opened new account in PNB bewa branch murshidabad.But today 3rd day my new account is not open in this branch, because branch manager say today is surver down , another day say weekend not opening new account, another day say you come 1st hour , another day say you come after 3 days ,rudly speak maximum coustmour.
IMPROPER BEHAVIOR OF BRANCH
IMPROPER BEHAVIOR OF BRANCH MANAGER PATNA CITY BRANCH IN RELATION TO ACCOUNT OPPENING
I ANUBHAV KUMAR SINGH HAVING ACCOUNT IN PUNJAB NATIONAL BANK PATNA BRANCH,IN LAST WEEK MY MOTHER WANT TO OPENING A SEVING ACCOUNT IN PATNA CITY PUNJAB NATIONAL BANK BRANCH BUT THE BRANCH MANAGER NOT GIVEN THE ACCOUNT OPENING FORM THEY SAID THAT IF YOU ARE RESIDING HERE IN RENTED HOUSE THEN YOU HAVE TO GIVEN RENT AGREEMENT AND ELECTRICITY BILL ETC AND THEIR BEHAVIOR AS LIKE THEY ARE NOT A BRANCH MANAGER AS EXPECTED NORMAL PEOPLE.
Want to apply for study loan