7.90% plus spread: 6.85% for Top 5 IIMs, 6.90% for , 7.20% for A, 8.50% for B and 8.70% for C (calculated). page conflicts: 7.60% headline and 0.00% in each effective-rate cell
confirm the applicable rate with the Bank.
7.90% p.a., effective 6 December 2025
retail-rate page states repo 5.25% plus 2.65% spread.
List ₹40 lakh
List A ₹30 lakh
List B ₹15 lakh
List C ₹10 lakh
subject to need-based finance and future repayment capacity
Moratorium plus up to 120 instalments for loans up to ₹7.50 lakh
moratorium plus up to 180 instalmentsabove ₹7.50 lakh
Value awaiting review
Indian students admitted to a full-time course at a listed premier institute in India. Student age: up to 40 when availing the loan. Co-applicant, where required: age 21–58 if salaried or 21–65 if non-salaried
waived for listed pre-approved institutes. Bureau-score cut-off: 701 or −1.
Nil unified processing charges
1% p.a. on default amount for loans up to ₹2 lakh
2% p.a.above ₹2 lakh
separate charges may apply for document/security non-compliance
with collateral, up to ₹80 lakh. Sanction is need-based and subject to future repayment capacity.
Up to 120 instalments after the moratorium for loans up to ₹7.5 lakh
up to 180 instalments for higher amounts.
Value awaiting review
Indian national admitted to a full-time regular professional or technical course at an institution in the current /A/B/C list through entrance test or merit-based selection.
Study in India: nil. Study abroad: 1% capped at ₹10,000, refundable on first disbursement. Advocate/valuer charges: ₹8,500 per mortgaged property.
For a fixed-rate education loan, prepayment from the borrower’s own source is nil. A takeover by another lender attracts 0.50% of the outstanding amount at takeover
where there is more than one account, the charge is calculated separately for each account.
Floating: +2.00%up to ₹7.50 lakh, +1.90%above ₹7.50 lakh, and +1.10% for the Baroda Yoddha defence-child concession. Fixed: Base Rate +2.00%up to ₹7.50 lakh
+3.90%above ₹7.50 lakh
for the defence-child concession, Base Rate +2.00%up to ₹7.50 lakh and +3.10% above it. The page also publishes a 0.50% female-student concession and a further 0.50% medical-course concession
a 0.10% risk premium applies above ₹7.50 lakh where the borrower does not take group credit-life/life cover.
+2
₹1.25 crore for medical and aviation courses
₹25 lakh for other courses.
Up to 120 instalments after the moratorium for loans up to ₹7.50 lakh and up to 180 instalments for larger loans
maximum 10–15 years after the moratorium.
Value awaiting review
Indian-national students admitted to recognised graduation, postgraduate, professional, approved vocational, specialist or other eligible courses in India
specified // cases studying in India are included. Eligible courses include engineering, medical, agriculture, veterinary, law, dental, management, architecture, computer, //, IIM/IIT/IISc/XLRI/NIFT programmes, approved pilot/shipping training, evening courses and approved degree/diploma programmes. Parent/co-applicant income and future repayment capacity are assessed.
Nil up to ₹7.50 lakh
above ₹7.50 lakh, 1% of loan amount capped at ₹10,000 + applicable
₹8,500 per mortgaged property for advocate/valuer charges.
Fixed-rate loan: nil when prepaid from the borrower's own source
0.50% of outstanding when taken over by another lender.
7.20% for PMVLS/ Premier category institutions, 7.40% for category A and 7.90% for other institutions
pricing is linked to spreads.
spreads
₹2 lakh minimum and ₹40 lakh maximum
margin is nil up to ₹4 lakh, 5%above ₹4 lakhup to ₹7.5 lakh, and nil above ₹7.5 lakh under the published table.
Up to 15 years after the course-period-plus-one-year moratorium
up to 120 instalments for loans up to ₹7.5 lakh and up to 180 instalmentsabove ₹7.5 lakh.
Value awaiting review
Indian national pursuing a full-time medical course in India
current page publishes NEET rank up to 1,00,000 for undergraduate (UG) study or 51,000 for postgraduate (PG) study. Parent/guardian co-obligation and assignment of the student's future income are mandatory.
Nil processing fee
PMVLP charges ₹200 are listed separately.
For a fixed-rate Education Loan: nil when prepaid from the borrower's own source
0.50% of the outstanding amount at takeover by another lender. If there is more than one account, the charge is calculated separately for each account. This published schedule applies to the fixed-rate loan variant
the product pages do not state a separate floating-rate prepayment charge.
Yoddha education pricing follows the corresponding Baroda education-loan variant. Premier India floating spreads are −1.05% (Top 10 IIMs/IITs), −0.70% (), −0.50% (A), 0.00% (B) and +0.50% (C). Fixed /A pricing is +1.40% to +2.00%
B/C use Base Rate +2.00%up to ₹7.50 lakh and +2.85%/+3.05% above that. The issuer's 0.00% effective-rate placeholders are not customer rates.
Current retail references: 7.90% p.a. (repo 5.25% + markup/base spread 2.65%), effective 6 December 2025
1-year 8.75%, effective 12 September 2026
base rate 9.45% effective 12 May 2025. These references are not a single final student rate.
Up to ₹125 lakh for studies in India and ₹150 lakh for overseas studies.
The Yoddha page says all other education-loan guidelines remain unchanged
the linked Baroda education-loan guideline therefore permits up to 10–15 years after the moratorium, with 120 instalmentsup to ₹7.50 lakh and 180 instalmentsabove ₹7.50 lakh.
Value awaiting review
Children/wards of defence personnel
all other education-loan guidelines remain unchanged.
Study in India and premier institutions: nil. Study abroad: 1% of loan amount capped at ₹10,000, recovered upfront and refundable on first disbursement. Career development: 0.50%. Where property is mortgaged, ₹8,500 non-refundable advocate/valuer cost per property
mortgage creation charge nil.
For the linked fixed-rate education terms: nil when prepaid from the borrower's own source
0.50% of outstanding when taken over by another lender. Applicability can vary by the selected education variant and sanction terms.
+ 2.00% p.a.up to ₹7.50 lakh and + 1.75% p.a.above ₹7.50 lakh. A 1% concession may apply if interest is serviced during study and the moratorium.
+ 2
Need-based finance up to ₹10 lakh for studies in Delhi
ordinarily up to ₹7.5 lakh may be covered by the Government of India education guarantee route when its conditions are met.
Course period plus one year repayment holiday, followed by repayment in equal monthly instalments over 15 years for all categories. A course-completion extension of up to two years may be considered in the stated circumstances.
Value awaiting review
Students pursuing recognised diploma, degree or specified skill-development courses in Delhi who completed Class X and XII in Delhi, or children of employees/officials posted with the Government of of Delhi, and admitted through merit or entrance selection.
No processing charges may be levied under the scheme.
Nil. No prepayment penalty is levied at any time during the repayment period.
No minimum income amount is published. The student loan is need-based and subject to the student's repayment capacity
an income proof is requested only from a salaried co-applicant or guarantor when applicable.
Indian nationals admitted to NSQF-aligned vocational/skill courses at ITIs, polytechnics, recognised schools/colleges, NSDC/Sector Skill Council or State Skill Mission/Corporation partners. No specific student age limit
a minor’s parent executes documents.
Nil processing and documentation charges.
For a fixed-rate Skill Loan, nil when prepaid from the borrower's own source and 0.50% of outstanding when taken over by another lender. The official product page publishes this table under Pre-payment charges.
Starting from 7.00% p.a. under the -Vidyalaxmi page
current rate sheet also publishes Star Vidyalaxmi categories: Category A 6.85%, Category B 7.50% and Category C 8.40% p.a., subject to category terms.
The page refers to RBLR
the current rate sheet publishes Star Vidyalaxmi category spreads against RBLR, with present rates of 6.85%, 7.50% and 8.40% p.a.
The page does not publish one universal maximum loan amount
finance is for the documented cost of the approved course and expenses.
Moratorium up to the course period plus 1 year
repayment up to 15 years from commencement of repayment.
For the -Vidyalaxmi facility, the page does not publish a universal minimum income threshold. It does publish interest-subvention family-income bands of up to ₹4.50 lakh and above ₹4.50 lakh to ₹8 lakh for specified support, which are subsidy conditions rather than a general eligibility floor.
Indian National including student admitted through open competitive examination or merit selection to a degree/diploma course at one of 860 quality higher-education institutes.
Nil processing charge. portal and third-party charges may apply where stated by the scheme.
Not published on the -Vidyalaxmi page or its linked current retail-interest-rate page
eligible borrowers may separately receive 3% or full interest subvention during the moratorium.
Value awaiting review
Need-based finance linked to total eligible education expenses
no universal maximum loan amount is published. Government guarantee applies to loan amounts up to ₹7.5 lakh and full subvention can apply to loans up to ₹10 lakh under the stated income/course conditions.
Moratorium is course period plus one year
repayment up to 180 (15 years), excluding moratorium.
No minimum income for the loan is published. Interest-subvention bands use annual family income: up to ₹4.5 lakh and above ₹4.5 lakh to ₹8 lakh.
Value awaiting review
No processing or upfront charge. Account handling 0.20% of loan amount, minimum ₹500. Vidya Laxmi enrolment charge ₹200 in the current (the page displays ₹100 + and notes it is subject to change)
The page links the latest Central Bank rate table but does not name a benchmark.
₹5,000 minimum to ₹7.50 lakh maximum
margin 5%.
After moratorium: up to 3 years for loans up to ₹50,000
up to 5 years for ₹50,000 to ₹1 lakh
up to 7 yearsabove ₹1 lakh.
No minimum income amount is published. Eligibility is based on Indian nationality and admission to an eligible vocational course
finance is need-based from ₹5,000 to ₹7.50 lakh.
Indian national admitted to an eligible NSQF-aligned course run or supported by a government ministry/department/organisation, NSDC or State Skill Mission/Corporation
eligible non-NSQF courses may be on the MSDE Skill India Digital Hub.
For loans above ₹7.50 lakh: IIM/IIT (excluding Vidyalaxmi), ISB Hyderabad/Mohali and IIFT Kolkata: 6.95% floating, 7.95% fixed up to 10 years or 8.45%above 10 years. FMS Delhi: 7.25% floating, 8.25% fixed up to 10 years or 8.75%above 10 years. Other listed Pratibha institutes: 7.85% floating, 8.85% fixed up to 10 years or 9.35%above 10 years.
(Repo Linked Lending Rate) plus the institute/amount-band spread published in PNB's current Pratibha table.
Value awaiting review
Maximum repayment period up to 15 years
repayment holiday is the course period plus 1 year.
Value awaiting review
Resident Indian admitted to listed regular full-time degree/diploma or postgraduate programmes
PNB also names selected executive programmes at IIMs, ISB, XLRI and NIBM. Institute/course-specific coverage is controlled by Annexures A/B.
Current PNB education-loan communication states nil processing/upfront and documentation charges for PNB Pratibha
Udaan charges are as per the applicable current schedule unless a concession is confirmed for the selected route.
PMVL-Utkarsh 6.90%, PMVL-Uttam 7.20% and PMVL-Uday 8.40% p.a., linked to
(External Benchmark Rate)
the education-loan rate floats for the full loan period.
Need-based loan up to ₹3 crore under the -Vidyalaxmi scheme.
↑
Up to 15 years, excluding the course period and moratorium.
No income ceiling for the loan: says students of all income groups are eligible. Household-income bands of up to ₹4.50 lakh and above ₹4.50 lakh through ₹8 lakh determine applicable interest-subvention support, not basic loan eligibility.
Graduation, postgraduate degree and diploma courses at Department of Higher Education-identified QHEIs in India, following open competitive or merit-based admission
No processing fee is stated on the product page. A ₹200 application fee plus is recovered only when the student avails the loan from .
6.90%–7.65% p.a. for listed institutions and qualifying takeovers
6.75% p.a. for students admitted to any IIT through 31 December 2026. The separate 6.75% offer for named IIM/BITS/IIFT/ISB/XIM/XLRI campuses expired 30 September 2026.
(External Benchmark Rate)
states that education-loan rates float for the entire loan period. Current is 7.90% p.a. (Repo Rate 5.25% + spread 2.65%).
Without tangible security: List ₹50 lakh, A ₹40 lakh, B ₹30 lakh and C ₹7.50 lakh
with full-value tangible collateral, need-based for /A/B and up to ₹1 crore for C
180 months
begins 12 months after course completion or six months after employment, whichever is earlier
Value awaiting review
Professional or technical study at an -listed premier Indian institution through entrance or selection, including published full-time degree/diploma, executive-management and selected part-time graduate/postgraduate courses
Nil
NIL in the shared Education Loan contingent-charge table.
Current retail table: Inland/abroad/ Student Union Education up to ₹7.50 lakh is 10.00% p.a. for male students and 9.50% for female students
above ₹7.50 lakh is 9.75% and 9.25% respectively. Other premier, Vidyalaxmi and medical-institute tiers have separate published rates.
Union Bank's published reference benchmark is (Repo Rate), shown as 8.00% effective 13 June 2026 on the current loans-and-advances rate page. Product-specific premiums and concessions are shown separately in the retail table.
No single maximum amount is published on the reviewed Education Loan documents page
the current shows separate scheme quantum bands, including up to ₹150 lakh for a premier-abroad collateral tier and up to ₹200 lakh for a premier-medical tier.
Maximum repayment tenure is 15 years.
No fixed rupee income threshold is published. or income proof is required for the borrower, co-borrower or guarantor where applicable.
Education loans are available for courses in India and abroad. The application requires the student and any co-applicant/guarantor to provide , income proof and bank statements
caste certificate is requested where required for statistical purposes.
No numeric processing-fee amount or percentage is published on the reviewed product pages or in the current retail for this product family. The Union Vehicle page mentions a processing-fee cheque when applying, but does not publish the fee amount on the reviewed page.
No numeric prepayment or foreclosure charge is published on the reviewed product page or current retail table for this variant.
Green marks the most favourable compatible published number or range in each column; incomparable units and overlapping range trade-offs remain neutral. It does not account for eligibility, service, exclusions or personal suitability.
Baroda Digital Education LoanBank of Baroda
