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Baroda Gyan

Education loan for eligible Indian students pursuing recognised higher, professional, vocational and specialist courses in India, with /Base Rate-linked pricing, course-specific finance ceilings, staged disbursement and parent/co-applicant repayment assessment.

Interest rateFloating: BRLLR +2.00% up to ₹7.50 lakh, BRLLR +1.90% above ₹7.50 lakh, and BRLLR +1.10% for the Baroda Yoddha defence-child concession. Fixed: Base Rate +2.00% up to ₹7.50 lakh; BRLLR +3.90% above ₹7.50 lakh; for the defence-child concession, Base Rate +2.00% up to ₹7.50 lakh and BRLLR +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.Maximum finance₹1.25 crore for medical and aviation courses; ₹25 lakh for other courses.Maximum loan amountMedical and aviation courses: up to ₹1,25,00,000; other eligible courses: up to ₹25,00,000. Finance remains need-based and subject to future repayment capacity.
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Quick eligibility check

Baroda Gyan

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 students admitted to recognised graduation, postgraduate, professional, approved vocational, specialist or other eligible courses in India?

Published source: Eligibility

2Are you this type of customer: specified NRI/PIO/OCI cases studying in India are included?

Published source: Eligibility

3Do you meet this requirement: Eligible courses include engineering, medical, agriculture, veterinary, law, dental, management, architecture, computer, CA/CFA/ICWA, IIM/IIT/IISc/XLRI/NIFT programmes, approved pilot/shipping training, evening courses and approved degree/diploma programmes?

Published source: Eligibility

4Does your annual income meet this requirement: Parent/co-applicant income and future repayment capacity are assessed?

Published source: Eligibility

5Does your annual income meet this requirement: The published eligibility rule refers to parent/co-applicant income and future repayment capacity for an approved course, without giving a rupee salary or annual-income floor?

Published source: Minimum income

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

Published source: Documents required

7Document checkDo you have this required document or proof: Academic records, proof of admission and entrance-exam result where applicable?

Published source: Documents required

8Document checkDo you have this required document or proof: Course-cost statement, income proof where applicable and the last six months' bank statement?

Published source: Documents required

9Document checkDo you have this required document or proof: Property documents where applicable?

Published source: Documents required
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 29 Sept 2026 · active
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, BRLLR +1.90% above ₹7.50 lakh, and BRLLR +1.10% for the Baroda Yoddha defence-child concession. Fixed: Base Rate +2.00% up to ₹7.50 lakh; BRLLR +3.90% above ₹7.50 lakh; for the defence-child concession, Base Rate +2.00% up to ₹7.50 lakh and BRLLR +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.View source
The page exposes spread formulas and concessions. Its rendered 0.00% effective-rate cells are not treated as all-in customer rates or .
Source
Baroda Gyan — current Bank of Baroda official product page
Page / section
Interest rates & charges — floating/fixed tables and concessions
Accessed
29 Sept 2026
Confidence
high
Open official source ↗
Maximum finance₹1.25 crore for medical and aviation courses; ₹25 lakh for other courses.View source
The publishes separate maximums for medical/aviation and other courses.
Source
Baroda Gyan
Page / section
— Quantum of finance
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Maximum tenureUp 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.View source
The page specifies 120/180 instalment bands and the 10–15-year post-moratorium repayment window.
Source
Baroda Gyan
Page / section
Repayment Period
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Processing feeNil up to ₹7.50 lakh; above ₹7.50 lakh, 1% of loan amount capped at ₹10,000 + applicable GST; ₹8,500 per mortgaged property for advocate/valuer charges.View source
The official page lists the threshold, rate, cap and property charge.
Source
Baroda Gyan
Page / section
Unified Processing charges
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Prepayment / closureFixed-rate loan: nil when prepaid from the borrower's own source; 0.50% of outstanding when taken over by another lender.View source
The product page publishes separate own-source and lender-takeover prepayment treatment.
Source
Baroda Gyan
Page / section
Pre-payment charges
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
EligibilityIndian-national students admitted to recognised graduation, postgraduate, professional, approved vocational, specialist or other eligible courses in India; specified NRI/PIO/OCI cases studying in India are included. Eligible courses include engineering, medical, agriculture, veterinary, law, dental, management, architecture, computer, CA/CFA/ICWA, 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.View source
The complete eligibility section and eligible-course list were reviewed; no generic issuer checklist was substituted.
Source
Baroda Gyan — current Bank of Baroda official product page
Page / section
Eligibility — eligible courses and student eligibility
Accessed
29 Sept 2026
Confidence
high
Open official source ↗
Repayment tenureRepayable over a maximum of 10–15 years after the moratorium; loans up to ₹7,50,000 allow moratorium plus up to 120 instalments, and larger loans allow moratorium plus up to 180 instalments.View source
The page publishes a 10–15 year maximum post-moratorium period and the 120/180 instalment bands.
Source
Baroda Gyan — Bank of Baroda official product page
Page / section
— Repayment Period
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Prepayment chargeFor a fixed-rate loan, nil when prepaid from the borrower's own source; 0.50% of outstanding amount when taken over by another lender.View source
The published table distinguishes own-source prepayment from takeover by another lender.
Source
Baroda Gyan — Bank of Baroda official product page
Page / section
Pre-payment charges
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Facility typeEducation loan for recognised graduation, post-graduation, professional and other approved courses in India; finance is disbursed in stages to the institution or approved vendors.View source
The page describes Baroda Gyan as an education loan for Indian students pursuing graduation, post-graduation, professional and approved courses.
Source
Baroda Gyan — Bank of Baroda official product page
Page / section
Overview / Features / — Target group
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Maximum loan amountMedical and aviation courses: up to ₹1,25,00,000; other eligible courses: up to ₹25,00,000. Finance remains need-based and subject to future repayment capacity.View source
The publishes separate maximum finance limits of ₹125 lakh for medical/aviation and ₹25 lakh for other courses.
Source
Baroda Gyan — Bank of Baroda official product page
Page / section
— Quantum of finance
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Security / collateralUp to ₹7,50,000: no collateral or third-party guarantee, but parent co-obligation is required. Above ₹7,50,000 up to ₹80,00,000: tangible collateral equal to 100% of the loan plus assignment of future income. Above ₹80,00,000: security coverage of 1.25 times the loan plus assignment of future income.View source
The security schedule states the three loan-size bands and their collateral/guarantee requirements.
Source
Baroda Gyan — Bank of Baroda official product page
Page / section
— Security
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Documents requiredKYC for applicant and co-applicants; academic records; admission proof; entrance-exam result where applicable; course-cost statement; income proof for salaried co-applicant/guarantor where applicable; last six months' bank statement; and property documents where applicable.View source
The page's Documents Required section lists , academic, admission, income, bank-statement and property documents.
Source
Baroda Gyan — Bank of Baroda official product page
Page / section
Documents Required
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Geographic limitsIndian-national students admitted to recognised graduation, postgraduate, professional, approved vocational, specialist or other eligible courses in India; specified NRI/PIO/OCI cases studying in India are included. Eligible courses include engineering, medical, agriculture, veterinary, law, dental, management, architecture, computer, CA/CFA/ICWA, 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.View source
The manually reviewed product record states: “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.”.
Source
Baroda Gyan — 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, +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.”.
Source
Baroda Gyan — 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 up to ₹7.50 lakh, no documentation charge and no margin up to ₹4 lakh.
  • A free debit card is published, with no security required up to ₹7.50 lakh.
  • The scheme supports higher study in India, including graduation, postgraduate, professional, approved vocational and recognised specialist courses.
  • Maximum finance is ₹1.25 crore for medical and aviation courses and ₹25 lakh for other courses; repayment can extend to 120 or 180 instalments by loan size.
  • The page publishes floating and fixed rate tables and permits eligible parent/co-applicant borrowing for an Indian-national student.

Eligibility

  • Indian-national student (and specified // cases studying in India) admitted to a recognised graduation, postgraduate, professional or approved vocational course
  • parent/co-applicant income and future repayment capacity are assessed.

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

Documents the bank lists

  • of the applicant and co-applicants.
  • Academic records, proof of admission and entrance-exam result where applicable.
  • Course-cost statement, income proof where applicable and the last six months' bank statement.
  • Property documents where applicable.

Related official documents

Baroda Gyan — Bank of Baroda official product pageofficial-product-page · current · accessed 29 Aug 2026
↗
Baroda Gyan — current Bank of Baroda official product pageofficial-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
↗
Bank of Baroda loan APR auditofficial-product-pages-and-rate-table · current-at-review · accessed 29 Sept 2026
↗

Plan before applying

Try the numbers

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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₹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.

Maximum finance · Published detailMedical/aviation ₹1,25,00,000; other courses ₹25,00,000

This value is copied from Baroda Gyan — published limits, repayment and security. Check the table notes before relying on it.

Source: Baroda Gyan — Bank of Baroda official product page · Interest rates & 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 · 9 rows · 2 columnsBaroda Gyan — published limits, repayment and securityTranscribed from the current Baroda Gyan Interest rates & charges, Documents Required and MITC sections.View tableHide table

Scroll sideways to view every column

Baroda Gyan — published limits, repayment and security
TermPublished detail
Maximum financeMedical/aviation ₹1,25,00,000; other courses ₹25,00,000
MarginNil up to ₹4,00,000; 5% above ₹4,00,000
Repayment10–15 years after moratorium; up to 120 instalments for loans up to ₹7,50,000 and up to 180 above it
ProcessingNil up to ₹7,50,000; 1% above it, capped at ₹10,000, plus applicable ; ₹8,500 advocate/valuer charge where property is mortgaged
Security up to ₹7,50,000No collateral or third-party guarantee; parent co-obligation required
Security above ₹7,50,000 to ₹80,00,000Tangible collateral equal to 100% of loan plus assignment of future income
Security above ₹80,00,000Security coverage 1.25 times loan plus assignment of future income
InsuranceGroup credit-life cover mandatory above ₹7,50,000; premium may be financed or an -approved term plan may be provided
Prepayment (fixed rate)Nil from borrower's own source; 0.50% of outstanding on takeover by another lender
  • The page publishes rate spreads against /Base Rate; effective rate depends on the applicable benchmark and borrower terms.
Baroda Gyan — Bank of Baroda official product page · Interest rates & charges / · accessed 29 Aug 2026Open official source ↗
Table 2 · 11 rows · 2 columnsBOB education-loan service charges — dated and conditional scheduleView tableHide table

Scroll sideways to view every column

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 ↗
Table 3 · 7 rows · 4 columnsBaroda Gyan — current published interest-rate scheduleTranscribed from the current page's floating and fixed rate tables, including the defence-child variant. The displayed 0.00% effective-rate cells are preserved as page output but are not interpreted as a customer rate.View tableHide table

Scroll sideways to view every column

Baroda Gyan — current published interest-rate schedule
Rate modeConditionPublished benchmark and spreadDisplayed effective-rate cell
FloatingStudy in India; up to ₹7.50 lakh + 2.00%0.00% on page
FloatingStudy in India; above ₹7.50 lakh + 1.90%0.00% on page
FloatingBaroda Yoddha defence-child concession + 1.10%0.00% on page
FixedStudy in India; up to ₹7.50 lakhBase Rate + 2.00%0.00% on page
FixedStudy in India; above ₹7.50 lakh + 3.90%0.00% on page
FixedDefence-child concession; up to ₹7.50 lakhBase Rate + 2.00%0.00% on page
FixedDefence-child concession; above ₹7.50 lakh + 3.10%0.00% on page
  • Female students receive a 0.50% concession; eligible medical courses receive an additional 0.50% concession.
  • A 0.10% risk premium applies above ₹7.50 lakh when group credit-life/life cover is not obtained.
  • The effective rate depends on the applicable benchmark and sanction terms; no standalone is published.
Baroda Gyan — current Bank of Baroda official product page · Interest rates & charges — floating/fixed tables · accessed 29 Sept 2026Open official source ↗

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