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Baroda Education Loan to Students of Premier Institutions

Education loan for Indian nationals in full-time professional/technical courses at /A/B/C premier institutions. The page publishes category-based rates, collateral-free limits of ₹40 lakh/₹30 lakh/₹15 lakh/₹10 lakh, up to ₹80 lakh with collateral, course-plus-one-year moratorium, 10–15-year repayment and mandatory credit-life cover above ₹7.50 lakh.

Interest rateFloating spreads: BRLLR −1.05% (top 10 IIMs/IITs), −0.70% (AA), −0.50% (A), +0.00% (B), +0.50% (C). Fixed slabs: AA/A BRLLR +1.40% to +2.00%; B/C rates vary by ₹7.50 lakh slab and 100% security.Maximum financeWithout collateral: ₹40 lakh (AA), ₹30 lakh (A), ₹15 lakh (B), ₹10 lakh (C); with collateral, up to ₹80 lakh. Sanction is need-based and subject to future repayment capacity.Maximum tenureUp to 120 instalments after the moratorium for loans up to ₹7.5 lakh; up to 180 instalments for higher amounts.
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Quick eligibility check

Baroda Education Loan to Students of Premier Institutions

0 of 9 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: Indian national admitted to a full-time regular professional or technical course at an institution in the current AA/A/B/C list through entrance test or merit-based selection?

Published source: Eligibility

2Do you meet this requirement: academic records?

Published source: Required documents

3Do you meet this requirement: entrance result where applicable?

Published source: Required documents

4Do you meet this requirement: course cost/schedule?

Published source: Required documents

5Can you provide this required proof: property documents where collateral is offered?

Published source: Required documents

6Document checkDo you have this required document or proof: KYC documents of the applicant and co-applicants?

Published source: Required documents

7Document checkDo you have this required document or proof: Academic records?

Published source: Required documents

8Document checkDo you have this required document or proof: Proof of admission?

Published source: Required documents

9Document checkDo you have this required document or proof: Entrance-examination result, where applicable?

Published source: Required documents
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 29 Sept 2026 · active
Baroda Education Loan to Students of Premier Institutions — official Bank of Baroda banner
Offered byBank of Baroda

India; eligibility, branch and channel availability follow the official product terms

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Interest rateFloating spreads: BRLLR −1.05% (top 10 IIMs/IITs), −0.70% (AA), −0.50% (A), +0.00% (B), +0.50% (C). Fixed slabs: AA/A BRLLR +1.40% to +2.00%; B/C rates vary by ₹7.50 lakh slab and 100% security.View source
The live page publishes category spreads and fixed slabs; its 0.00% widgets are not treated as sanctioned rates.
Source
Baroda Education Loan to Students of Premier Institutions — current official page
Page / section
Interest rates & charges — floating and fixed tables
Accessed
20 Sept 2026
Confidence
high
Open official source ↗
Maximum financeWithout collateral: ₹40 lakh (AA), ₹30 lakh (A), ₹15 lakh (B), ₹10 lakh (C); with collateral, up to ₹80 lakh. Sanction is need-based and subject to future repayment capacity.View source
The and publish list-specific limits and ₹80 lakh with collateral.
Source
Baroda Education Loan to Students of Premier Institutions — current official page
Page / section
— Quantum of finance;
Accessed
20 Sept 2026
Confidence
high
Open official source ↗
Maximum tenureUp to 120 instalments after the moratorium for loans up to ₹7.5 lakh; up to 180 instalments for higher amounts.View source
The page specifies 120 or 180 instalments after the course-plus-12-month moratorium, depending on amount.
Source
Baroda Education Loan to Students of Premier Institutions
Page / section
— Repayment Period
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Processing feeStudy in India: nil. Study abroad: 1% capped at ₹10,000, refundable on first disbursement. Advocate/valuer charges: ₹8,500 per mortgaged property.View source
The fee section publishes India, abroad and mortgaged-property rows.
Source
Baroda Education Loan to Students of Premier Institutions — current official page
Page / section
— Unified Processing charges
Accessed
20 Sept 2026
Confidence
high
Open official source ↗
EligibilityIndian national admitted to a full-time regular professional or technical course at an institution in the current AA/A/B/C list through entrance test or merit-based selection.View source
The page requires nationality, qualifying course and admission to the published premier categories.
Source
Baroda Education Loan to Students of Premier Institutions — current official page
Page / section
Eligibility
Accessed
20 Sept 2026
Confidence
high
Open official source ↗
Loan typeEducation loanView source
The official product name identifies this as “Baroda Education Loan to Students of Premier Institutions”.
Source
Baroda Education Loan to Students of Premier Institutions — official product page
Page / section
Official product name and loan classification
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Repayment periodAfter the moratorium, up to 120 instalments for loans up to ₹7.50 lakh and up to 180 instalments above ₹7.50 lakh.View source
The page publishes 120/180 instalments by loan slab.
Source
Baroda Education Loan to Students of Premier Institutions — current official page
Page / section
— Repayment Period
Accessed
20 Sept 2026
Confidence
high
Open official source ↗
Prepayment chargeFor 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.View source
The current schedule states nil for the borrower’s own source and 0.50% of outstanding at takeover by another lender for fixed-rate Education Loan accounts, calculated separately for multiple accounts.
Source
Service Charges — Bank of Baroda official schedule
Page / section
Pre-Payment Charges under Fixed Rate Retail Loans — Education Loan
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Course eligibilityFull-time regular professional or technical course; admission through entrance examination or merit-based selection.View source
The eligibility text specifies course mode, type and admission route.
Source
Baroda Education Loan to Students of Premier Institutions — current official page
Page / section
Eligibility
Accessed
20 Sept 2026
Confidence
high
Open official source ↗
Institution categoriesThe linked current list contains 148 institutions classified AA, A, B or C; category controls the collateral-free limit and rate spread.View source
The five-page linked was manually checked page-by-page and contains rows 1–148.
Source
Bank of Baroda — Premier Institution List (148 entries)
Page / section
pages 1–5; complete table rows 1–148
Accessed
20 Sept 2026
Confidence
high
Open official source ↗
MarginNil up to ₹4 lakh; 5% above ₹4 lakh and up to ₹7.50 lakh; nil above ₹7.50 lakh.View source
The publishes three loan-size margin bands.
Source
Baroda Education Loan to Students of Premier Institutions — current official page
Page / section
— Margin
Accessed
20 Sept 2026
Confidence
high
Open official source ↗
MoratoriumCourse period plus one year. Simple interest is charged monthly; accrued interest is added to principal and EMI is fixed.View source
The page states the course-plus-one-year repayment holiday and treatment of interest.
Source
Baroda Education Loan to Students of Premier Institutions — current official page
Page / section
— Repayment Holiday; Interest rates & charges
Accessed
20 Sept 2026
Confidence
high
Open official source ↗
SecurityNo collateral up to ₹40 lakh/₹30 lakh/₹15 lakh/₹10 lakh for Lists AA/A/B/C; above each threshold, tangible collateral at 100% is required. Above ₹80 lakh, coverage is 1.25×.View source
The security section publishes category thresholds, 100% security above them and 1.25× coverage above ₹80 lakh.
Source
Baroda Education Loan to Students of Premier Institutions — current official page
Page / section
— Security
Accessed
20 Sept 2026
Confidence
high
Open official source ↗
Required documentsKYC; academic records; admission proof; entrance result where applicable; course cost/schedule; income proof where applicable; six-month bank statement; property documents where collateral is offered.View source
The page lists applicant, academic, financial and security evidence.
Source
Baroda Education Loan to Students of Premier Institutions — current official page
Page / section
Documents Required
Accessed
20 Sept 2026
Confidence
high
Open official source ↗
Covered expensesInstitution/hostel; exam, library and lab; books, instruments and uniform; deposits up to 10% of tuition; computer/laptop; optional group credit-life premium; study tours, project and thesis. External coaching is excluded.View source
The enumerates covered expenses and excludes external coaching.
Source
Baroda Education Loan to Students of Premier Institutions — current official page
Page / section
— Expenses considered
Accessed
20 Sept 2026
Confidence
high
Open official source ↗
Credit-life insuranceGroup Credit Life is mandatory when the loan exceeds ₹7.50 lakh; premium may be financed/recovered through EMI. An IRDA-approved term plan is an alternative.View source
The insurance section publishes the amount trigger, premium treatment and alternative.
Source
Baroda Education Loan to Students of Premier Institutions — current official page
Page / section
— Insurance
Accessed
20 Sept 2026
Confidence
high
Open official source ↗
DisbursementDirect to institution or hostel in stages; books may be paid to seller; self-arranged lodging is allowed after bona fide verification.View source
The page states staged direct payment and lodging verification.
Source
Baroda Education Loan to Students of Premier Institutions — current official page
Page / section
— Disbursement
Accessed
20 Sept 2026
Confidence
high
Open official source ↗
Penal chargeOverdue amounts on loans above ₹4 lakh attract 2% per annum.View source
The current page publishes the 2% p.a. overdue row.
Source
Baroda Education Loan to Students of Premier Institutions — current official page
Page / section
Interest rates & charges — penal charges
Accessed
20 Sept 2026
Confidence
high
Open official source ↗
Student ageThe FAQ says any Indian citizen may apply; a minor may be considered with ratification on attaining majority.View source
The provides the published age/citizenship wording; no numeric age range is inferred.
Source
Baroda Education Loan to Students of Premier Institutions — current official page
Page / section
— age eligibility
Accessed
20 Sept 2026
Confidence
high
Open official source ↗
Repayment capacityFinance is need-based and subject to future repayment capacity of the student and family/co-obligants.View source
The qualifies the published amounts by need and future repayment capacity.
Source
Baroda Education Loan to Students of Premier Institutions — current official page
Page / section
— Quantum of finance
Accessed
20 Sept 2026
Confidence
high
Open official source ↗
Geographic limitsIndian national admitted to a full-time regular professional or technical course at an institution in the current AA/A/B/C list through entrance test or merit-based selection.View source
The manually reviewed product record states: “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.”.
Source
Baroda Education Loan to Students of Premier Institutions — official product page
Page / section
Published product metadata
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Benchmarkspreads: BRLLR −1View source
The manually reviewed product record states: “Floating spreads: −1.05% (top 10 IIMs/IITs), −0.70% (), −0.50% (A), +0.00% (B), +0.50% (C). Fixed slabs: /A +1.40% to +2.00%; B/C rates vary by ₹7.50 lakh slab and 100% security.”.
Source
Baroda Education Loan to Students of Premier Institutions — official product page
Page / section
Published product metadata
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Rate-conversion chargeIf BOB permits a rate switch on the account: 0.10% of the outstanding balance plus undisbursed amount; minimum ₹5,000 + GST and maximum ₹1,00,000 + GST per account per conversion.View source
The education-loan service-charge page gives this fee for a borrower-requested rate switch. It is not the ordinary reset; product/sanction terms determine whether a separate switch is available.
Source
Service Charges — Bank of Baroda
Page / section
Conversion Charges — Education Loan, lines 950–967
Accessed
27 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • No processing charges and a free debit card.
  • Published rates start from 6.85%.
  • 100% finance and collateral-free funding up to ₹40 lakh for eligible premier institutions.
  • Repayment period up to 15 years after the course-period-plus-12-month moratorium.
  • Digital education-loan facility and a special offer for children of Army personnel.
  • Potential income-tax benefit under Section 80E.

Eligibility

  • The student must be an Indian national with admission to a full-time regular professional, technical or other eligible course at an institution in List , A, B or C.
  • Admission must be secured through an entrance test or merit-based selection process.
  • The page's collateral-free limits are ₹40 lakh for List , ₹30 lakh for List A, ₹15 lakh for List B and ₹10 lakh for List C; higher amounts follow the published security rules.
  • Parent or guardian co-obligation and assignment of the student's future income are required.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • documents of the applicant and co-applicants.
  • Academic records.
  • Proof of admission.
  • Entrance-examination result, where applicable.
  • Statement of cost of study or schedule of expenses.
  • Income proof for a salaried co-applicant or guarantor, where applicable.
  • Bank-account statement for the last six months.
  • Property documents, where applicable.

Related official documents

PREMIER INSTITUTIONS.xlsxeligibility-list · current · accessed 15 Aug 2026
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Service Charges — Bank of Baroda official scheduleofficial-service-charge-schedule · current · accessed 29 Aug 2026
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Bank of Baroda Service Charges — education-loan charge schedules checked 27 September 2026official-service-charge-page · current · accessed 27 Sept 2026
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Baroda Education Loan to Students of Premier Institutions — official product pageofficial-product-page · current · accessed 29 Aug 2026
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Baroda Education Loan to Students of Premier Institutions — official product pageofficial-product-page · current · accessed 29 Aug 2026
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Baroda Education Loan to Students of Premier Institutions — official pageofficial-product-page · current · accessed 29 Aug 2026
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Baroda Education Loan to Students of Premier Institutions — current official pageofficial-product-page · current; complete visible HTML page reviewed · accessed 20 Sept 2026
↗
Baroda Education Loan to Students of Premier Institutions — current complete page reviewofficial-product-page · current; complete rendered page review · accessed 29 Sept 2026
↗
Bank of Baroda — Premier Institution List (148 entries)official-linked-pdf · current linked PDF; complete five-page review · accessed 20 Sept 2026
↗
Bank of Baroda loan APR auditofficial-product-pages-and-rate-table · current-at-review · accessed 29 Sept 2026
↗

Plan before applying

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Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees
Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees
Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

· Without collateral₹40 lakh

This value is copied from Premier-institution education loan — finance by list. Check the table notes before relying on it.

Source: Baroda Education Loan to Students of Premier Institutions — official page · — Quantum of finance Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 4 rows · 3 columnsPremier-institution education loan — finance by listMaximum finance published in the MITC.View tableHide table

Scroll sideways to view every column

Premier-institution education loan — finance by list
Institution listWithout collateralWith collateral
₹40 lakh₹80 lakh
A₹30 lakh₹80 lakh
B₹15 lakh₹80 lakh
C₹10 lakh₹80 lakh
  • Need-based finance remains subject to future repayment capacity.
Baroda Education Loan to Students of Premier Institutions — official page · — Quantum of finance · accessed 29 Aug 2026Open official source ↗
Table 2 · 3 rows · 4 columnsBaroda education-loan variant termsComparison-ready terms transcribed from the three official variant pages.View tableHide table

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Baroda education-loan variant terms
VariantRate and eligibilityRepayment / chargesMissing-field result
in India category spreads; resident Indian, admitted to listed and gainfully employed during studyMaximum ₹20 lakh; course period + 3 months; 10–15 years after moratorium; nil processing and ₹7,500 per mortgaged propertyNo numeric minimum income, or prepayment rule published
Premier institutions in India spreads by List /A/B/C; Indian national with admission to qualifying premier institutionUp to 15 years after course-period + 1-year moratorium; study-in-India processing nil; ₹8,500 per mortgaged propertyNo numeric minimum income, or prepayment rule published
abroad +2.00% up to ₹7.50 lakh and +2.35% above; resident Indian, employed during application and studyMaximum ₹80 lakh; course period + 3 months; 10–15 years after moratorium; 1% processing capped ₹10,000 and ₹7,500 per mortgaged propertyNo numeric minimum income or ; own-source prepayment nil, lender takeover 0.50%
  • The pages' 0.00% effective-rate displays are not treated as . Employment or income-proof requirements are retained without inventing a numeric salary threshold.
Bank of Baroda education-loan variant pages · Eligibility; Interest rates & charges; Service Charges; Pre-payment charges; · accessed 29 Aug 2026Open official source ↗
Table 3 · 3 rows · 2 columnsBank of Baroda education loans — fixed-rate prepayment rulesPublished prepayment treatment from the current Service Charges schedule for the reviewed premier-institution education-loan products.View tableHide table

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Bank of Baroda education loans — fixed-rate prepayment rules
Repayment sourceCharge
Borrower’s own sourceNil
Takeover by another lender0.50% of outstanding amount at takeover
Multiple accountsCalculate the charge separately for each account
  • This rule is specifically for fixed-rate education loans. Floating-rate or product-specific contractual terms should be checked in the sanction documents.
Service Charges — Bank of Baroda official schedule · Pre-Payment Charges under Fixed Rate Retail Loans — Education Loan · accessed 29 Aug 2026Open official source ↗
Table 4 · 4 rows · 3 columnsPremier-institution education loan — finance by listMaximum published finance for the AA/A/B/C institution list.View tableHide table

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Premier-institution education loan — finance by list
Institution listWithout collateralWith collateral
List ₹40 lakh₹80 lakh
List A₹30 lakh₹80 lakh
List B₹15 lakh₹80 lakh
List C₹10 lakh₹80 lakh
  • Sanction is need-based and subject to future repayment capacity.
Baroda Education Loan to Students of Premier Institutions — current official page · — Quantum of finance; · accessed 20 Sept 2026Open official source ↗
Table 5 · 148 rows · 4 columnsPremier institution list — 148 eligible institutionsComplete current list linked by the official product page.View tableHide table

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Premier institution list — 148 eligible institutions
S.No.Institution nameCategoryState
1Alagappa Chettiyar College of engineering and Technology (Anna University)_Karaikudi, TNATamil Nadu
2Alliance School Of business Bangalore City Campus 1_BangaloreBKarnataka
3Alliance School Of business Bangalore City Campus 2_BangaloreBKarnataka
4Amity Business School_NoidaAUttar Pradesh
5AMITY School of Engineering_NoidaCUttar Pradesh
6Amrita School of Business AmravatiCAndhra Pradesh
7Amrita School of Business_AmritapuriCKerala
8Amrita School of Business_BangaloreCKarnataka
9Amrita School of Business_KochiCKerala
10Amrita School of Engineering_ChennaiCTamil Nadu
11Balaji Institute of Modern Management_PuneCMaharashtra
12Bangalore Medical College ()_BangaloreAKarnataka
13Bharati Vidyapeeth Institute of Management and Research_New DelhiCDelhi
14Bharati Vidyapeeth University College of Engineering_PuneCMaharashtra
15Birla Institute of Technology -DeogharBJharkhand
16Birla Institute of Technology -NoidaBUttar Pradesh
17Birla Institute of Technology -PatnaBBihar
18Birla Institute of Technology-JaipurBRajasthan
19BIT Mesra_RanchiBJharkhand
20BIT Sindri_DhanbadCJharkhand
21BML Munjal University- Delhi Office_New DelhiCDelhi
22BMS College of Engineering_BangaloreBKarnataka
23Byramjee Jeejeebhoy Government Medical CollegeBMaharashtra
24Calcutta National Medical College and Hospital_KolkataAWest Bengal
25Chaitanya Bharathi Institute of Technology_HyderabadCAndhra pradesh
26Chetnas R. K. Institute of Management Studies and Research_MumbaiCMaharashtra
27Coimbatore Institute of Technology_CoimbatoreCTamil Nadu
28D Y Patil University School of Medicine_Navi MumbaiAMaharashtra
29D. Y. Patil Medical College And University_KolhapurAMaharashtra
30Department of Management Sciences(PUMBA)_PuneCMaharashtra
31Dhirubhai Ambani Institute of Information and Communication Technology (DAIICT)_GandhinagarBGujrat
32Dr Rajendra Prasad Government Medical College_Kangra (Himachal pradesh)AHimachal Pradesh
33Dr. D. Y.. PATIL MEDICAL COLLEGE, HOSPITAL AND RESEARCH CENTRE, PIMPRI, PUNEAMaharashtra
34Eras Lucknow Medical College and Hospital_LucknowBUttar Pradesh
35Faculty of Engineering and technology (Jadavpur University)BWest Bengal
36Faculty of Management Studies(FMS Delhi)_New DelhiADelhi
37Gandhi Institute of Technology and Management (GITAM)_BangaloreCKarnataka
38Gandhi Institute of Technology and Management (GITAM)_HyderabadCAndhra pradesh
39Gandhi Medical College_SecunderabadAAndhra pradesh
40Government Kilpauk Medical College_ChennaiATamil Nadu
41Government Medical College & Hospital_ChandigarhAPunjab
42Government Medical College _AmritsarAPunjab
43Govt Model Engineering College_KochiCTamil Nadu
44Grant Medical College (GMC) & Sir JJ Group of Hospitals_MumbaiAMaharashtra
45Heritage Institute of Medical Sciences, VaranasiAUttar Pradesh
46Hindustan Institute of Technology and Science_ChennaiCTamil Nadu
47ICFAI Business School(IBS) AhmedabadBGujarat
48ICFAI Business School(IBS) BangloreBKarnataka
49ICFAI Business School(IBS) DehradunCUttarakhand
50ICFAI Business School(IBS) GurgaonBHaryana
51ICFAI Business School(IBS) JaipurCRajasthan
52ICFAI Business School(IBS) KolkataBWest Bengal
53ICFAI Business School(IBS)_HyderabadAAndhra pradesh
54ICFAI Business School(IBS)_MumbaiBMaharashtra
55ICFAI Business School(IBS)_PuneBMaharashtra
56ICFAI Institute of Science and Technology_HyderabadCAndhra pradesh
57IFIM Business School (formerly Institute of Finance and International Management)_BangaloreAKarnataka
58IFMR Graduate School of Business at Krea University (formerly known as Institute for Financial Management and Research)_ChennaiATamil Nadu
59Indian Institute of Foreign Trade (IIFT) KakinadaAAndhra Pradesh
60Indian Institute of Foreign Trade (IIFT)_KolkataAWest Bengal
61Indian Institute of Information Technology, Design and Manufacturing IIITDM_JabalpurBMadhya Pradesh
62Indian Institute of Management (IIM), Indore Mumbai campus_MumbaiMaharashtra
63Indian Institute of Management (IIM)_Lucknow, NOIDA CampusUttar Pradesh
64Indian Maritime University – Kolkata Campus (Indian Institute of Port Management)_KolkataBWest Bengal
65Indian Maritime University – Kolkata Campus (Marine Engineering Research Institute)BWest Bengal
66Indian Maritime University – Mumbai Port Campus (Marine Engineering Research Institute)_MumbaiBMaharashtra
67Indian Maritime University – Mumbai Port Campus (The Lal Bahadur Shastri College of Advanced Maritime Studies & Research,)_MumbaiBMaharashtra
68Indian Maritime University – Navi Mumbai Campus (Training Ship Chanakya)_MumbaiBMaharashtra
69Indian school of Business (ISB) - MohaliPunjab
70Indian school of Business (ISB)_HyderabadAndhra pradesh
71Indira Gandhi Rashtriya Udaan Academy, Rae Bareily(IGRUA)_Rae bareilyAUttar Pradesh
72Institute of Chemical Technology(ICT) Mumbai Campus_BhubaneshwarAOdisha
73Institute of Chemical Technology(ICT) Mumbai Campus_Marathwada JalnaAMaharashtra
74Institute of Management & Technology(IMT)_NagpurAMaharashtra
75Institute of Management Technology(IMT) JalnaAMaharashtra
76Institute of Medical Sciences, Banaras Hindu University_VaranasiAUttar Pradesh
77Institute of Technology & Management(ITM)_MumbaiCMaharashtra
78Jaipuria Institute of Management_IndoreCMadhya Pradesh
79Jamnalal Bajaj Institute of Management Studies(JBIMS)_MumbaiAMaharashtra
80Jawaharlal Nehru Medical College, Aligarh Muslim University_AligarhBUttar Pradesh
81Jaypee Institute of Information Technology_NoidaCUttar Pradesh
82Jindal Global Law School (JGLS) SonepatBHaryana
83K. J. Somaiya Medical College & Research Centre_MumbaiAMaharashtra
84King Edward Memorial Hospital and Seth Gordhandas Sunderdas Medical College (KEM)_MumbaiAMaharashtra
85Kirloskar Institute of Advanced Management Studies_Harihar, KarnatakaBTamil Nadu
86Kirloskar Institute of Advanced Management Studies_PuneBMaharashtra
87L N Mittal Institute of information and technology(LNMIIT)_JaipurBRajsthan
88Lakshmi Narain College of Technology_BhopalCMadhya Pradesh
89Lal Bahadur Shastri Institute of Management_New DelhiBDelhi
90M.S PATEL INSTITUTE OF MANAGEMENT STUDIES , Faculty of Management Studies (FMS-B) of The Maharaja Sayajirao University of Baroda ( M S University ) BarodaCGujarat
91Madras Medical College (MMC)_ChennaiATamil Nadu
92Maharajahs Institute of Medical Sciences_VizianagaramCAndhra pradesh
93Maharashtra Institute of Technology(MIT) College of Engineering_PuneCMaharashtra
94Mahatma Gandhi Institute of Medical Sciences (MGIMS)_WardhaBMaharashtra
95Management Development Institute (MDI)_MurshidabadAWest Bengal
96MS Ramaiah Institute of Management, Bangalore_BangaloreCKarnataka
97Narsee Monjee Institute of Management Studies(NMIMS) School of Business Management _ HyderabadAndhra pradesh
98Narsee Monjee Institute of Management Studies(NMIMS) School of Business Management _ IndoreMadhya Pradesh
99Narsee Monjee Institute of Management Studies(NMIMS) School of Business Management _BangaloreKarnataka
100Narsee Monjee Institute of Management Studies(NMIMS) School of Business Management _Navi MumbaiMaharashtra
101Narsee Monjee Institute of Management Studies(NMIMS) School of Business Management _ShirpurMaharashtra
102Narsee Monjee Institute of Management Studies(NMIMS) School of Business Management ChandigarhAChandigarh
103Narsee Monjee Institute of Management Studies(NMIMS) School of Business Management DhuleAMaharashtra
104National Institute of Construction Management and Research(NICMAR)_HyderabadCAndhra pradesh
105National Institute of Construction Management and Research(NICMAR)_MumbaiCMaharashtra
106National Institute of Construction Management and Research(NICMAR)_PuneCMaharashtra
107National Institute of Design(NID)_BangaloreAKarnataka
108National Institute of Design(NID)_GandhinagarAGujrat
109National Insurance Academy, PuneBMaharashtra
110PES University_Bangalore_(Electronic City)CKarnataka
111PES University_Bangalore_(Hanumanth Nagar)CKarnataka
112PES University_Bangalore_(Ring Road)CKarnataka
113Prin. L.N.Welingkar Institute of Management Development and Research (WeSchool)_BangaloreAKarnataka
114PSG Institute of Advanced Studies_CoimbatoreBTamil Nadu
115PSG Institute of Management_CoimbatoreBTamil Nadu
116RICS School of Built Environment (RICS SBE) , Amity University-Mumbai Campus, PanvelCMaharashtra
117RICS School of Built Environment (RICS SBE), Amity University-NOIDA CampusCUttar Pradesh
118Sardar patel College of Engineering_MumbaiCMaharashtra
119School of Management, KIIT University_BhubaneswarCOdisha
120SDM INSTITUTE FOR MANAGEMENT DEVELOPMENT MYSOREBKARNATAKA
121SHAILESH J. MEHTA SCHOOL OF MANAGEMENT (SJSOM), IIT MUMBAIMaharashtra
122Shri Ram Murti Smarak Institute of Medical Sciences_BareilyBUttar Pradesh
123Shri Ram Murti Smarak Institute of Medical Sciences_LucknowBUttar Pradesh
124SIES College of Management Studies_MumbaiCMaharashtra
125SOIL School of Business Design, Manesar_New DelhiBDelhi
126 Jain Institute of Management & Research (SPJIMR) New DelhiDelhi
127Sri Ramachandra Medical College and Research Institute_ChennaiBTamil Nadu
128Sri Venkateswara Institute of Medical Sciences_TirupatiCAndhra pradesh
129SRM Institute of Science and Technology Delhi_NCRBNew Delhi
130SRM Institute of Science and Technology, TiruchirapalliBTamilnadu
131SSN School of management_ChennaiCTamil Nadu
132Stanley Medical College_ChennaiATamil Nadu
133Sydenham Institute of Management Studies, Research and Entrepreneurship Education_MumbaiCMaharashtra
134Tata Institute of Social Sciences(TISS)_GuwahatiAWest Bengal
135Tata Institute of Social Sciences(TISS)_HyderabadAAndhra pradesh
136Tata Institute of Social Sciences(TISS)_TuljapurAMaharashtra
137The Institute of Management, Nirma University, formerly Nirma Institute of Management,_AhmedabadAGujrat
138The National Institute of Engineering_MysoreCKarnataka
139University institute of Engineering_ChandigarhCPunjab
140Vellore Institute of Technology(VIT) BengaluruBKarnataka
141Vellore Institute of Technology(VIT)_AmaravatiAAndhra pradesh
142Vellore Institute of Technology(VIT)_BhopalBMadhya Pradesh
143Woxsen School of Business_HyderabadBAndhra pradesh
144Xavier Labour Relations Institute (XLRI)-Xavier School of Management, Delhi-NCR Campur JHAJJARNew Delhi
145Zakir Husain College of Engineering & Technology_AligarhCUttar Pradesh
146Sri Ramaswami Memorial University(SRM), Ramapuram_ChennaiBTamil Nadu
147Sri Ramaswami Memorial University(SRM), Vadapalani_ChennaiBTamil Nadu
148National Institute of fashion TechnologyBCHHATTISGARH
  • The issuer is marked ‘Confidential - Not for Public Consumption or Distribution’; names, capitalization and source spelling are retained. Six wrapped state cells were reconstructed from rendered pages without changing classifications.
Bank of Baroda — Premier Institution List (148 entries) · pages 1–5; complete table rows 1–148 · effective 5 Sept 2026 · accessed 20 Sept 2026Open official source ↗
Table 6 · 5 rows · 3 columnsPremier education loan — current floating spreadsFloating spreads by institution category.View tableHide table

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Premier education loan — current floating spreads
Institution categoryFloating spread to Published condition
Top 10 IIMs/IITs −1.05%Top-ten IIM/IIT category
List −0.70%Premier list
List A −0.50%Premier list A
List B +0.00%Premier list B
List C +0.50%Premier list C
  • Separate 0.00% widgets on the page are not treated as the sanctioned rate.
Baroda Education Loan to Students of Premier Institutions — current official page · Interest rates & charges — floating table · accessed 20 Sept 2026Open official source ↗
Table 7 · 7 rows · 3 columnsPremier education loan — fixed-rate and penal termsFixed-rate slabs and penal charge published on the live page.View tableHide table

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Premier education loan — fixed-rate and penal terms
SegmentPublished fixed-rate / chargeCondition
List +1.40% to +2.00% category
List A +1.40% to +2.00%A category
List B up to ₹7.50 lakhBase Rate +2.00%Loan-size slab
List B above ₹7.50 lakh +2.85%+2.65% with 100% security
List C up to ₹7.50 lakhBase Rate +2.00%Loan-size slab
List C above ₹7.50 lakh +3.05%+2.85% with 100% security
Penal charge2% p.a. on overdue amountLoans above ₹4 lakh
  • Simple interest is charged monthly during moratorium; accrued interest is added to principal and is fixed.
Baroda Education Loan to Students of Premier Institutions — current official page · Interest rates & charges — fixed table and penal charges · accessed 20 Sept 2026Open official source ↗
Table 8 · 6 rows · 3 columnsPremier education loan — margin, moratorium and repaymentPublished contribution, moratorium and repayment rules.View tableHide table

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Premier education loan — margin, moratorium and repayment
RulePublished termCondition
Margin up to ₹4 lakhNilLoan slab
Margin above ₹4 lakh to ₹7.50 lakh5%Loan slab
Margin above ₹7.50 lakhNilLoan slab
MoratoriumCourse period + 1 yearSimple interest monthly
Repayment up to ₹7.50 lakh120 instalmentsAfter moratorium
Repayment above ₹7.50 lakh180 instalmentsAfter moratorium
  • Future repayment capacity is considered for need-based finance.
Baroda Education Loan to Students of Premier Institutions — current official page · — Margin; Repayment Holiday; Repayment Period · accessed 20 Sept 2026Open official source ↗
Table 9 · 7 rows · 3 columnsPremier education loan — security, disbursement and insuranceCurrent thresholds, staged disbursement and credit-life condition.View tableHide table

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Premier education loan — security, disbursement and insurance
TopicPublished termCondition
List Up to ₹40 lakh without collateralAbove ₹40 lakh: 100% tangible collateral
List AUp to ₹30 lakh without collateralAbove ₹30 lakh: 100% tangible collateral
List BUp to ₹15 lakh without collateralAbove ₹15 lakh: 100% tangible collateral
List CUp to ₹10 lakh without collateralAbove ₹10 lakh: 100% tangible collateral
Higher securityAbove ₹80 lakhCoverage 1.25×
DisbursementDirect to institution/hostel in stagesBooks to seller; lodging subject to verification
Credit-lifeMandatory above ₹7.50 lakhGroup Credit Life or -approved term plan
  • Branch may be near institute or parent residence/posting; technology-partner center may count.
Baroda Education Loan to Students of Premier Institutions — current official page · — Security; Disbursement; Insurance · accessed 20 Sept 2026Open official source ↗
Table 10 · 8 rows · 2 columnsPremier education loan — documents and covered expensesApplication evidence, covered expense categories and charges.View tableHide table

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Premier education loan — documents and covered expenses
TopicPublished detail
Applicant documents; academic records; admission proof; entrance result where applicable
Financial evidenceCourse cost/schedule; income proof where applicable; six-month bank statement
Security documentsProperty documents where collateral is offered
Covered expensesInstitution/hostel; exam/library/lab; books/instruments/uniform; deposits up to 10% tuition; computer/laptop; optional credit-life premium; study tours/project/thesis
Excluded expenseExternal coaching
Processing — IndiaNil
Processing — study abroad1% capped at ₹10,000, refundable on first disbursement
Property charge₹8,500 per mortgaged property
  • The study-abroad processing row is preserved because it appears in the published fee section; it is not generalized to this India premier-list eligibility.
Baroda Education Loan to Students of Premier Institutions — current official page · Documents Required; — Expenses; Unified Processing charges · accessed 20 Sept 2026Open official source ↗
Table 11 · 11 rows · 2 columnsBOB education-loan service charges — dated and conditional scheduleView tableHide table

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BOB education-loan service charges — dated and conditional schedule
Charge / loan routePublished amount and condition
Rate conversion — when borrower switches interest rate0.10% of outstanding balance plus undisbursed portion; minimum ₹5,000 + and maximum ₹1,00,000 + per account for each conversion
Fixed-rate education loan prepayment — borrower's own fundsNil
Fixed-rate education loan takeover by another lender0.50% of outstanding amount at takeover; calculate separately for each account
Education Loan — study in IndiaNil
Education Loan — study abroad1% of loan amount, capped at ₹10,000; recovered upfront and refundable on first disbursement
Education Loan — premier institutions in IndiaNil
Education Loan — vocational education and trainingNil
Education Loan — career development0.50%
Advocate and valuer where property is mortgaged₹8,500 per property, non-refundable; not applicable to Vidyalaxmi's nil-security terms
Mortgage-creation charge for education loansNil
Education Loan deviation chargeNil
  • The education-loan service-charge table is headed excluding and effective 20 June 2019; the current page does not state a later date for this table.
  • says this schedule applies where no specific customer-level pricing approval or sanction is in place. The conversion entry explicitly includes in its minimum and maximum; applicability is not added to rows that do not state it.
  • Vidyalaxmi's own scheme page states nil unified processing charges and nil security; the general study-abroad, career-development and mortgaged-property lines are not substituted for those scheme terms.
Service Charges — Bank of Baroda · Conversion charges, lines 950–967; fixed-rate prepayment, lines 1029–1037; Education Loan service-charge table, lines 1055–1120; deviations, lines 1128–1129 · effective 20 Jun 2019 · accessed 27 Sept 2026Open official source ↗

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