first thing to be done

the student who is going to get the loan should have an savings account in SBI PILANI
and his co-borrower(father or guardian) is supposed to have an account in any sbi bank.

The requirements for the student to get a savings account are:

• BITS ID card and it's xerox 

COMPULSORY PAN CARD. if the student is MINOR get a MINOR PAN CARD

• if he/she doesn't have pan card u can apply it in the municipality of pilani,whose map is included below