Business, & agriculture finance

Baroda Vidyasthali Loan for Educational Institutions

Bank of Baroda financing for eligible educational institutions: term loans, working-capital overdrafts and vehicles, with published project-use and location-based limits.

Facility limitsTerm loan: ₹25 lakh–₹15 crore; up to ₹25 crore in Mumbai/greater Mumbai, Delhi-NCR, Bengaluru and Hyderabad. Bus finance: up to ₹2 crore; other vehicle limits follow BOB's commercial-vehicle guidelines. Overdraft: up to ₹3 crore, or ₹5 crore in Mumbai/greater Mumbai and Delhi-NCR, or 60% of expected total fee collections, whichever is lower.Interest rate and published MSME formulasThe scheme page links pricing to Repo/MCLR. BOB's current MSME schedule gives conditional formulas by sanctioned limit, regulatory status, CMR/credit rating and hard-security coverage; for loans above ₹7.50 crore it switches to composite-rating formulas. Published references are BRLLR 7.90% p.a. (effective 6 December 2025), Repo 5.25%, Strategic Premium 0.25%, and MCLR 7.85%–8.75% p.a. by tenor (effective 12 September 2026). The Vidyasthali page does not identify the borrower's pricing class, rating, security band, corporate-exposure status or MCLR tenor, so no single borrower rate is selected.Customer typeEducational institutions.

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✓ Manually checked 29 Sept 2026 · active

Baroda Vidyasthali Loan for Educational Institutions official banner

Offered byBank of Baroda

India; term-loan ceilings rise in Mumbai/greater Mumbai, Delhi-NCR, Bengaluru and Hyderabad; overdraft ceilings rise in Mumbai/greater Mumbai and Delhi-NCR.

Key facts

What the official sources publish

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

Common commercial-loan documentsCommon checklist: Duly filled loan application form. Identity proof for the proprietor, partner or director (for a company): Aadhaar Card, Voter’s ID Card, Passport, Driving License, PAN Card, or signature identification from the present banker. Residence proof for the proprietor, partner or director (for a company): Aadhaar Card, recent telephone or electricity bill, property-tax receipt, Passport, or Voter’s ID Card. Proof of business address. Company Memorandum and Articles of Association, partnership deed, or equivalent constitution documents. Assets-and-liabilities statement of promoters and guarantors, with latest income-tax returns. Additional documents depend on activity and facility: SSI/MSME registration or Udyog Aadhaar Memorandum, if applicable (as worded in BOB’s current FAQ). Projected balance sheets for the next two years for working-capital limits, or for the period of the loan for term loans. Balance sheets for the last three years. Copies of lease deeds/title deeds for all properties offered as primary or collateral security. For companies: certificate of incorporation from the Registrar of Companies, CIN and directors’ DIN details. Bank-account details where applicable, including outstanding amounts on existing loans/limits. GSTN, if applicable. Other licences and documents required by the business entity/activity (the FAQ gives manufacturing, trading, export-import, IT and service businesses as examples).View source

The current official lists common identity, residence, business-address, constitution and financial documents, then activity/facility-dependent records. It separately says further licences and documents depend on the business entity/activity.

Source: Loans and Advances — Bank of Baroda commercial-loan documents
Page / section: — “What documents need to be submitted for a Commercial Loan?” lines 686–703; Common Documents lines 688–694; Additional documents based on activity undertaken lines 695–703
Accessed: 27 Sept 2026
Confidence: high

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Customer typeEducational institutions.View source

The page calls this a special scheme for financing educational institutions and states: Target group: educational institutions.

Source: Baroda Vidyasthali Loan for Educational Institutions — Bank of Baroda
Page / section: Features — Target group
Accessed: 27 Sept 2026
Confidence: high

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Eligible institutionsEducational institutions; play-school exposure is limited to ZEE School, EuroKids, Kidzee, World School and their franchises. HUFs are not eligible. The institution must have a BOB-6 or higher credit rating.View source

The current page limits play-school exposure to the named brands/franchises, excludes and says only -6-and-above ratings are financed.

Source: Baroda Vidyasthali Loan for Educational Institutions — Bank of Baroda
Page / section: Terms and Conditions — Eligibility
Accessed: 27 Sept 2026
Confidence: high

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The page gives separate term-loan, vehicle/bus and overdraft ceilings; the ceiling is the lower of the location maximum and 60% of expected fee collection.

Source: Baroda Vidyasthali Loan for Educational Institutions — Bank of Baroda
Page / section: Terms and Conditions — Limit
Accessed: 27 Sept 2026
Confidence: high

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Loan purpose and project conditionsFinance may cover construction, expansion, modernisation or renovation of educational buildings; education/training instruments; short-term overdraft for a profitable institution without another bank liability; and vehicles under BOB's commercial-vehicle guidelines. Standalone land purchase is not permitted. Land included in a project may not exceed 20% of project cost, and construction must finish within 2 years.View source

The current page lists the financed institution/vehicle uses and states the standalone-land restriction, 20% land-cost ceiling and two-year construction undertaking.

Source: Baroda Vidyasthali Loan for Educational Institutions — Bank of Baroda
Page / section: Terms and Conditions — Purpose
Accessed: 27 Sept 2026
Confidence: high

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Location-based limitsTerm-loan maximum increases to ₹25 crore in Mumbai/greater Mumbai, Delhi-NCR, Bengaluru and Hyderabad. The overdraft maximum increases to ₹5 crore in Mumbai/greater Mumbai and Delhi-NCR; elsewhere its stated ceiling is ₹3 crore or 60% of expected total fee collections, whichever is lower.View source

The page names distinct locations for the higher term-loan and overdraft ceilings.

Source: Baroda Vidyasthali Loan for Educational Institutions — Bank of Baroda
Page / section: Terms and Conditions — Limit
Accessed: 27 Sept 2026
Confidence: high

Open official source ↗

Interest rate and published MSME formulasThe scheme page links pricing to Repo/MCLR. BOB's current MSME schedule gives conditional formulas by sanctioned limit, regulatory status, CMR/credit rating and hard-security coverage; for loans above ₹7.50 crore it switches to composite-rating formulas. Published references are BRLLR 7.90% p.a. (effective 6 December 2025), Repo 5.25%, Strategic Premium 0.25%, and MCLR 7.85%–8.75% p.a. by tenor (effective 12 September 2026). The Vidyasthali page does not identify the borrower's pricing class, rating, security band, corporate-exposure status or MCLR tenor, so no single borrower rate is selected.View source

The product page states Repo/-linked pricing. publishes the listed conditional category formulas and benchmark values; its scheme page supplies none of the customer-specific inputs needed to select a formula.

Source: Loan Interest Rates — Bank of Baroda
Page / section: Regulatory/non-regulatory matrices, /security and composite-rating matrices; /Repo/ references
Accessed: 27 Sept 2026
Confidence: high

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Conditional MSME facility chargesFor working-capital overdraft, the MSME tariff is nil up to ₹25,000; above that, fresh/review processing is 0.20%–1.00% by CMR. For a term loan over 1 year, it is nil up to ₹25,000; above ₹25,000 to ₹1 crore, fresh-sanction processing is 1%; above ₹1 crore, it is 0.50%–2.00% by CMR. Term-loan review is 0.10% without a cap. Funded commitment charges may apply below 60% annual utilisation; the tariff gives 0.75% for QIS submitters on the shortfall to 60%, or 0.50% without QIS on the unused total limit. Other listed charges depend on separate events. GST is extra; this is a conditional tariff, not a statement that every charge is payable.Effective 3 May 2024View source

Vidyasthali offers working-capital overdraft and term-loan facilities. The tariff specifies separate working-capital and term-loan conditions; the product page does not identify , term beyond one year, priority/export status, annual utilisation or chargeable event.

Source: Annexure II — Bank of Baroda advances service charges
Page / section: Rows 1(A), 1(B), 1(D), 1(F); Annexure II items 2–12 and clarifications
Accessed: 27 Sept 2026
Confidence: high

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Overdraft securityFor overdraft, land and building are primary security, alongside a fee-module facility with Bank of Baroda.View source

permits only where land and building are primary security together with a fee-module facility; the page does not give a term-loan security schedule.

Source: Baroda Vidyasthali Loan for Educational Institutions — Bank of Baroda
Page / section: Terms and Conditions — Nature of Facility
Accessed: 27 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

Construction, expansion, modernisation and renovation of educational buildings
purchase of education/training instruments
short-term overdraft for a profitable institution without other bank liability
and vehicles under commercial-vehicle guidelines. Standalone land purchase is not permitted
if included in a project, land cost cannot exceed 20% and construction must finish within 2 years.

Eligibility

Educational institutions are the target group; play-school exposure is limited to ZEE School, EuroKids, Kidzee, World School and their franchises.
are not eligible; only institutions rated -6 or above are financed.
An overdraft is limited to an existing profitable institution with no liability at another bank.

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

Documents the bank lists

Duly completed commercial-loan application form.
Identity proof for the proprietor, partner or director (for a company): Aadhaar, Voter , Passport, Driving Licence, , or signature identification from the present banker.
Residence proof for the proprietor, partner or director (for a company): Aadhaar, a recent telephone or electricity bill, property-tax receipt, Passport or Voter .
Proof of business address.
Constitution documents such as the company's Memorandum and Articles of Association, partnership deed or equivalent documents.
Assets-and-liabilities statement of promoters and guarantors, with latest income-tax returns.
Projected balance sheets: next two years for working-capital limits or for the loan period for term loans; plus the last three years' balance sheets.
Lease/title deeds for properties offered as primary or collateral security.
For companies: certificate of incorporation, and directors' DIN details.
Bank-account details and existing loan/limit outstandings, where applicable.
, if applicable; registration/Udyog Aadhaar Memorandum if applicable as stated in .
Licences and other documents required for the entity's activity. The says additional documents vary by business activity and facility.

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Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

One monthly payment₹20,756twenty thousand seven hundred fifty-six rupees

Interest paid over the full loan₹24,81,364twenty-four lakh eighty-one thousand three hundred sixty-four rupees

Everything you repay₹49,81,364forty-nine lakh eighty-one thousand three hundred sixty-four 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.

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TableSanctioned limitChoose column

Up to ₹50,000 · Micro +

This value is copied from Regulatory rate formulas through ₹25 lakh. Check the table notes before relying on it.

Source: Loan Interest Rates — Bank of Baroda · Regulatory and non-regulatory formulas, lines 159–169 and 305 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 · 4 columnsRegulatory MSME rate formulas through ₹25 lakhBOB's published benchmark-plus-spread schedule by sanctioned limit and regulatory MSME size; not a selected Vidyasthali borrower rate.View tableHide table