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Baroda Education Loans for being offered by Premier Institutions Abroad

An education loan for resident Indians employed during study at premier institutions abroad. The current page publishes +2.00% up to ₹7.50 lakh and +2.35% above, maximum ₹80 lakh, course-plus-three-month moratorium, 10–15-year repayment, 1% processing capped at ₹10,000 and staged security thresholds.

Interest rateFloating: BRLLR + 2.00% up to ₹7.50 lakh and BRLLR + 2.35% above ₹7.50 lakh. Fixed: Base Rate + 2.00% up to ₹7.50 lakh (effective 11.45% p.a.) and BRLLR + 4.35% above ₹7.50 lakh (effective 12.25% p.a.).Maximum financeMaximum ₹80 lakh for the EDP-abroad product.Maximum amountGet up to Rs. 80 lakh to pursue your EDP at premier institutions abroad. Our education loan offers flexible repayment terms, no processing charges, and easy documentation. Apply now!
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Quick eligibility check

Baroda Education Loans for being offered by Premier Institutions Abroad

0 of 6 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 with admission to a professional or technical course abroad through entrance-test or merit-based selection?

Published source: Eligibility

2Do you meet this requirement: the EDP route requires employment during the course?

Published source: Eligibility

3Document checkDo you have this required document or proof: KYC of applicant and co-applicants?

Published source: Eligibility

4Document checkDo you have this required document or proof: Academic records, proof of admission and entrance-exam result where applicable?

Published source: Eligibility

5Document checkDo you have at least one of these required documents: Statement of study cost or schedule of expenses, income proof, employment proof and the last six months' bank-account statement?

Published source: Eligibility

6Document checkDo you have this required document or proof: Property documents where applicable?

Published source: Eligibility
0 of 6 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 29 Sept 2026 · active
Bank of Baroda EDP education loan for study abroad
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: BRLLR + 2.00% up to ₹7.50 lakh and BRLLR + 2.35% above ₹7.50 lakh. Fixed: Base Rate + 2.00% up to ₹7.50 lakh (effective 11.45% p.a.) and BRLLR + 4.35% above ₹7.50 lakh (effective 12.25% p.a.).View source
The current page lists + 2.00% / +2.35% floating spreads and fixed pricing of Base Rate +2.00% (11.45% effective) or +4.35% (12.25% effective), by loan band.
Source
Baroda education loan for premier institutions abroad — current official page
Page / section
Interest rates & charges — Floating Rate and Fixed rate
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Maximum financeMaximum ₹80 lakh for the EDP-abroad product.View source
The -abroad states maximum Rs. 80 lakhs; this corrects the broader Baroda Scholar limit that is not the variant’s limit.
Source
Baroda Education Loans for in Premier Institutions Abroad — official page
Page / section
— Quantum of finance
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Maximum repayment tenureRepayable in maximum 10–15 years after the moratorium; for loans up to ₹7.50 lakh the cap is moratorium plus 120 instalments, and above ₹7.50 lakh it is moratorium plus 180 instalments. For the EDP-abroad variant, the moratorium is the course period plus three months.View source
The official -abroad states course period plus three months moratorium and maximum 10–15 years thereafter, with 120/180 instalment bands.
Source
Baroda Education Loans for being offered by Premier Institutions Abroad — official product page
Page / section
— Repayment Holiday/Moratorium Period; Repayment Period
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
EligibilityIndian national with admission to a professional or technical course abroad through entrance-test or merit-based selection; the EDP route requires employment during the course.View source
The official page requires Indian nationality, confirmed admission and employment for the executive-development route.
Source
Baroda Education Loans for being offered by Premier Institutions Abroad
Page / section
Eligibility /
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Loan typeEducation loanView source
The official product name identifies this as “Baroda Education Loans for being offered by Premier Institutions Abroad”.
Source
Baroda Education Loans for being offered by Premier Institutions Abroad — official product page
Page / section
Official product name and loan classification
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Repayment periodCourse period plus three-month moratorium; maximum 120 instalments for loans up to ₹7.50 lakh and 180 instalments above ₹7.50 lakh, within 10–15 years after moratorium.View source
The -abroad publishes course period + 3 months and 120/180 instalment caps.
Source
Baroda Education Loans for in Premier Institutions Abroad — official page
Page / section
— Repayment Holiday / Repayment Period
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Fixed rateUp to ₹7.50 lakh: Base Rate + 2.00%, effective 11.45% p.a.; above ₹7.50 lakh: BRLLR + 4.35%, effective 12.25% p.a.View source
The fixed-rate table gives an 11.45% effective rate up to ₹7.50 lakh and 12.25% above ₹7.50 lakh.
Source
Baroda education loan for premier institutions abroad — current official page
Page / section
Interest rates & charges — Fixed rate
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Repayment holidayCourse period plus 3 months; repayment then runs for up to 120 instalments for loans up to ₹7.50 lakh or up to 180 instalments above ₹7.50 lakh, within a maximum 10–15-year period after the moratorium.View source
The publishes course period plus three months, 120/180-installment bands and the 10–15-year repayment range.
Source
Baroda education loan for premier institutions abroad — current official page
Page / section
— Repayment Holiday / Repayment Period
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Processing fee1% of loan amount capped at ₹10,000, recovered upfront and refundable on first disbursement; ₹7,500 per mortgaged property for advocate/valuer charges.View source
The page states 1% upfront (maximum ₹10,000) refundable on first disbursement, plus ₹7,500 per mortgaged property.
Source
Baroda Education Loans for in Premier Institutions Abroad — official page
Page / section
— Unified processing charges
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureBorrower's own source: nil. Takeover by another lender: 0.50% of the outstanding amount at takeover; for more than one account, calculated separately for each account.View source
The page's pre-payment table explicitly gives nil own-source charges and 0.50% takeover charges.
Source
Baroda Education Loan Abroad — official product page
Page / section
Pre-payment charges under fixed rate loan
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Maximum amountGet up to Rs. 80 lakh to pursue your EDP at premier institutions abroad. Our education loan offers flexible repayment terms, no processing charges, and easy documentation. Apply now!View source
The manually reviewed product summary states: “Get up to Rs. 80 lakh to pursue your at premier institutions abroad. Our education loan offers flexible repayment terms, no processing charges, and easy documentation. Apply now!”.
Source
Baroda Education Loans for being offered by Premier Institutions Abroad — official product page
Page / section
Published loan terms in product summary
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Geographic limitsIndian national with admission to a professional or technical course abroad through entrance-test or merit-based selection; the EDP route requires employment during the course.View source
The manually reviewed product record states: “Indian national with admission to a professional or technical course abroad through entrance-test or merit-based selection; the route requires employment during the course.”.
Source
Baroda Education Loans for being offered by Premier Institutions Abroad — official product page
Page / section
Published product metadata
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
BenchmarkBRLLR + 2View source
The manually reviewed product record states: “Floating: + 2.00% up to ₹7.50 lakh and + 2.35% above ₹7.50 lakh. Fixed: Base Rate + 2.00% up to ₹7.50 lakh (effective 11.45% p.a.) and + 4.35% above ₹7.50 lakh (effective 12.25% p.a.).”.
Source
Baroda Education Loans for being offered by Premier Institutions Abroad — 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 charge and a free debit card are published benefits for the -abroad variant.
  • The product finances executive development programmes at listed premier institutions abroad for employed students.
  • Maximum finance is ₹80 lakh; the course-period-plus-three-month moratorium is followed by repayment of up to 120 or 180 instalments by loan size, with a 10–15-year maximum after moratorium.
  • Study-abroad processing is 1% of the loan amount capped at ₹10,000 and refundable on first disbursement; a separate ₹7,500 property advocate/valuer charge applies where property is mortgaged.
  • The page publishes floating and fixed rate rows, including fixed effective rates of 11.45% up to ₹7.50 lakh and 12.25% above ₹7.50 lakh.

Eligibility

  • Indian national with admission to a professional or technical course abroad through entrance-test or merit-based selection
  • the route requires employment during the course.

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

Documents the bank lists

  • of applicant and co-applicants.
  • Academic records, proof of admission and entrance-exam result where applicable.
  • Statement of study cost or schedule of expenses, income proof, employment proof and the last six months' bank-account statement.
  • Property documents where applicable.

Related official documents

Baroda EDP education loan for premier institutions abroad — current official pageofficial-product-page · current · accessed 29 Aug 2026
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Baroda Education Loans for EDP being offered by Premier Institutions Abroad — official product pageofficial-product-page · current · accessed 29 Aug 2026
↗
Baroda EDP Education Loan Abroad — official product pageofficial-product-page · current · accessed 29 Aug 2026
↗
Baroda Education Loans for EDP in Premier Institutions Abroad — current complete page reviewofficial-product-page · current; complete rendered page review · accessed 29 Sept 2026
↗
Bank of Baroda Service Charges — education-loan charge schedules checked 27 September 2026official-service-charge-page · current · accessed 27 Sept 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

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₹12,647twelve thousand six hundred forty-seven rupees
Interest paid over the full loan₹5,35,300five lakh thirty-five thousand three hundred rupees
Everything you repay₹30,35,300thirty lakh thirty-five thousand three hundred 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.

Floating rate · Published valueUp to ₹7.50 lakh: + 2.00%; above ₹7.50 lakh: + 2.35% (page widget shows no effective percentage)

This value is copied from Baroda abroad — current rates and published terms. Check the table notes before relying on it.

Source: Baroda education loan for premier institutions abroad — current official page · Eligibility; Interest rates & charges; Service Charges; Pre-payment charges; Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 12 rows · 2 columnsBaroda EDP abroad — current rates and published termsCurrent rate bands, finance limits, charges, security and repayment terms transcribed from the official EDP-abroad page.View tableHide table

Scroll sideways to view every column

Baroda EDP abroad — current rates and published terms
TopicPublished value
Floating rateUp to ₹7.50 lakh: + 2.00%; above ₹7.50 lakh: + 2.35% (page widget shows no effective percentage)
Fixed rateUp to ₹7.50 lakh: Base Rate + 2.00%, effective 11.45% p.a.; above ₹7.50 lakh: + 4.35%, effective 12.25% p.a.
Maximum finance₹80 lakh
MarginUp to ₹4 lakh nil; ₹4–₹7.50 lakh 15%; above ₹7.50 lakh nil
MoratoriumCourse period + 3 months
RepaymentMaximum 120 instalments up to ₹7.50 lakh; 180 above; 10–15 years after moratorium
Processing1% of loan amount, maximum ₹10,000, refundable on first disbursement; ₹7,500 per mortgaged property for advocate/valuer charges
Fixed-rate prepaymentOwn source nil; takeover by another lender 0.50% of outstanding
SecurityUp to ₹4 lakh parent co-obligation/no security; ₹4–₹7.50 lakh third-party guarantee or permitted waiver; above ₹7.50 lakh tangible collateral equal to 100% plus assignment of future income
EligibilityResident Indian, admitted to listed premier abroad, gainfully employed while applying and studying
Income thresholdNo numeric minimum salary or annual-income amount published; income proof is required
ExpensesInstitution fees, examination/library/laboratory, equipment, eligible deposits, insurance, travel and specified living expenses; external coaching/tuition excluded
  • The 0.00% floating-rate display is a page widget placeholder and is not treated as an effective rate. A separate is not published.
Baroda education loan for premier institutions abroad — current official page · Eligibility; Interest rates & charges; Service Charges; Pre-payment charges; · accessed 29 Aug 2026Open official source ↗
Table 2 · 2 rows · 4 columnsEDP education-loan variants — published limits and chargesFinance, moratorium and processing terms for EDP study in India and abroad.View tableHide table

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EDP education-loan variants — published limits and charges
VariantMaximum financeMoratoriumProcessing charge
in India₹20 lakhCourse period + 3 monthsNil; ₹7,500 per mortgaged property
abroad₹80 lakhCourse period + 3 months1% capped at ₹10,000, refundable on first disbursement; ₹7,500 per mortgaged property
  • Repayment is capped at 120 instalments up to ₹7.50 lakh and 180 instalments above ₹7.50 lakh.
Baroda Education Loan pages — official terms · — Quantum, Repayment and Unified processing charges · accessed 29 Aug 2026Open official source ↗
Table 3 · 3 rows · 3 columnsPublished education-loan repayment limitsRepayment terms transcribed from Bank of Baroda's official education-loan pages.View tableHide table

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Published education-loan repayment limits
VariantMoratoriumRepayment after moratorium
Baroda ScholarCourse period + 1 year10–15 years; up to 120 instalments for loans up to ₹7.50 lakh, 180 above ₹7.50 lakh
— premier institutions abroadCourse period + 3 months10–15 years; up to 120 instalments for loans up to ₹7.50 lakh, 180 above ₹7.50 lakh
Baroda Yoddha educationUses the linked Baroda education-loan guideline10–15 years; up to 120 instalments for loans up to ₹7.50 lakh, 180 above ₹7.50 lakh
  • The Yoddha page states that all other education-loan guidelines and criteria remain unchanged.
Bank of Baroda education-loan pages · — Repayment Period · accessed 29 Aug 2026Open official source ↗
Table 4 · 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 5 · 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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