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Baroda Yoddha Education Loans (all variants)

Baroda Yoddha Education Loan is specially designed for Defence personnel with specialized rates. To avail this Baroda Yoddha education loan check eligibility criteria & apply now!

Interest rateYoddha education pricing follows the corresponding Baroda education-loan variant. Premier India floating spreads are BRLLR −1.05% (Top 10 IIMs/IITs), −0.70% (AA), −0.50% (A), 0.00% (B) and +0.50% (C). Fixed AA/A pricing is BRLLR +1.40% to +2.00%; B/C use Base Rate +2.00% up to ₹7.50 lakh and BRLLR +2.85%/+3.05% above that. The issuer's 0.00% effective-rate placeholders are not customer rates.Maximum amountUp to ₹1,25,00,000 for studies in India and ₹1,50,00,000 for overseas studies under the Yoddha FAQ. The linked premier-institution route separately publishes collateral-free category caps and up to ₹80,00,000 with collateral.Maximum repayment tenureThe Yoddha page says all other education-loan guidelines remain unchanged; the linked Baroda education-loan guideline therefore permits up to 10–15 years after the moratorium, with 120 instalments up to ₹7.50 lakh and 180 instalments above ₹7.50 lakh.

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✓ Manually checked 30 Aug 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.

Maximum amountUp to ₹125 lakh for studies in India and ₹150 lakh for overseas studies.View source

The official publishes the India and overseas maximums.

Source: Baroda Yoddha Education Loans
Page / section: Features / — Loan amount
Accessed: 23 Aug 2026
Confidence: high

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Scheme documentsStudent and admission documents follow the linked education-loan checklist; defence-service/relationship evidence and applicable co-applicant/security documents are required under the Yoddha variant.View source

The dedicated page provides scheme-specific conditions and links to the detailed education-loan process.

Source: Baroda Yoddha Education Loans (all variants)
Page / section: Scheme conditions; detailed Education Loans link
Accessed: 30 Aug 2026
Confidence: high

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Target groupChildren/wards of defence personnel; all other education-loan guidelines remain unchanged.View source

The page identifies wards of defence personnel as eligible students.

Source: Baroda Yoddha Education Loans (all variants)
Page / section: Eligibility table;
Accessed: 30 Aug 2026
Confidence: high

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Maximum repayment tenureThe Yoddha page says all other education-loan guidelines remain unchanged; the linked Baroda education-loan guideline therefore permits up to 10–15 years after the moratorium, with 120 instalments up to ₹7.50 lakh and 180 instalments above ₹7.50 lakh.View source

The Yoddha page says the scheme is for wards of defence personnel and that all other guidelines and criteria remain unchanged; the linked education-loan guideline publishes the 10–15 year and 120/180 instalment limits.

Source: Baroda Yoddha Education Loans — official product page
Page / section: Eligibility; Detailed information regarding Education Loans
Accessed: 29 Aug 2026
Confidence: medium

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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

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Loan typeEducation loan for children/wards of defence personnel; all other Baroda education-loan guidelines remain unchanged.View source

The current page identifies wards of defence personnel and says all other education-loan criteria remain unchanged.

Source: Baroda Yoddha Education Loans — current official page
Page / section: Title, eligibility table and unchanged-guidelines statement
Accessed: 29 Sept 2026
Confidence: high

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The education page explicitly states that the children-of-defence Yoddha rate is the same as the corresponding premier-institution education rate.

Source: Baroda education loan and Yoddha linked rate tables
Page / section: Interest rates and charges; Yoddha rate-equality note
Accessed: 29 Sept 2026
Confidence: high

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BenchmarkCurrent BOB retail references: BRLLR 7.90% p.a. (repo 5.25% + markup/base spread 2.65%), effective 6 December 2025; 1-year MCLR 8.75%, effective 12 September 2026; base rate 9.45% effective 12 May 2025. These references are not a single final student rate.Effective 12 Sept 2026View source

The current rate page publishes these benchmarks separately from education variant spreads.

Source: Bank of Baroda Retail Loans Interest Rates
Page / section: Repo// benchmark section
Accessed: 29 Sept 2026
Confidence: high

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Maximum amountUp to ₹1,25,00,000 for studies in India and ₹1,50,00,000 for overseas studies under the Yoddha FAQ. The linked premier-institution route separately publishes collateral-free category caps and up to ₹80,00,000 with collateral.View source

The Yoddha publishes the India/overseas scheme ceilings; linked adds category-specific premier-institution collateral caps.

Source: Baroda Yoddha Education Loans — limits
Page / section: — maximum amount; linked premier — quantum of finance
Accessed: 29 Sept 2026
Confidence: high

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TenureUp to 10–15 years after the course-period moratorium; maximum 120 instalments for loans up to ₹7.50 lakh and 180 instalments above ₹7.50 lakh. The premier India moratorium is course period + 1 year.View source

The Yoddha page says other education guidelines remain unchanged; the linked supplies the repayment and moratorium figures.

Source: Baroda Education Loan — repayment terms used by Yoddha
Page / section: — Repayment Holiday/Moratorium and Repayment Period
Accessed: 29 Sept 2026
Confidence: high

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Processing feeStudy in India and premier institutions: nil. Study abroad: 1% of loan amount capped at ₹10,000, recovered upfront and refundable on first disbursement. Career development: 0.50%. Where property is mortgaged, ₹8,500 non-refundable advocate/valuer cost per property; mortgage creation charge nil.Effective 20 Jun 2019View source

The current table publishes different charges by study route; no single fee is substituted for all variants.

Source: education-loan service charges
Page / section: Education Loan service-charge rows and linked premier
Accessed: 29 Sept 2026
Confidence: high

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Prepayment / foreclosureFor the linked fixed-rate education terms: nil when prepaid from the borrower's own source; 0.50% of outstanding when taken over by another lender. Applicability can vary by the selected education variant and sanction terms.Effective 20 Jun 2019View source

The current service-charge table publishes nil own-source prepayment and 0.50% takeover charge; the Yoddha page incorporates other education guidelines.

Source: education-loan prepayment schedule
Page / section: Fixed-rate education-loan prepayment/takeover row
Accessed: 29 Sept 2026
Confidence: high

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EligibilityChildren/wards of defence personnel. The student must open a Bank of Baroda savings account; GCLI is mandatory for unsecured AWES-institution loans, and assignment of a defence-personnel/co-applicant term-life policy is to be explored. Other education-loan criteria, admission and document rules remain applicable.View source

The page publishes the defence-ward group and the account/GCLI/term-policy conditions.

Source: Baroda Yoddha Education Loans — eligibility
Page / section: Eligibility table, scheme conditions and
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

Geographic limitsThe official Yoddha FAQ says there is no country restriction for this defence-personnel education scheme; domestic and overseas study ceilings are published separately.View source

The states that there is no country restriction for this particular education loan.

Source: Baroda Yoddha Education Loans — study geography
Page / section: — supported countries
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

Education-loan route for wards/children of defence personnel.
Maximum ₹125 lakh for study in India and ₹150 lakh for overseas study.
No country restriction is published for the Yoddha scheme.
All necessary course expenses are covered except external coaching or tuition.
Applications can be made through a branch, Education Loan Sanction Cell, online route or Vidya Lakshmi portal.

Eligibility

The scheme is for children/wards of defence personnel; all other education-loan guidelines remain unchanged.
The student must open a savings account with Bank of Baroda under the published operating guidance.
GCLI is mandatory for unsecured loans for AWES institutions; assignment of a defence-personnel/co-applicant term-life policy is to be explored.
The dedicated Yoddha page does not print a separate rate table; applicable Baroda education-loan variant rules govern.

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

Documents the bank lists

Student , admission/offer letter and fee structure, academic records and entrance result where applicable, under the linked education-loan checklist.
Defence-service/relationship evidence for the parent or sponsor as required for the Yoddha scheme.
Income, co-applicant/guarantor and security documents required under the applicable Baroda education-loan variant.

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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₹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.

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TableVariantChoose column

Baroda Scholar · MoratoriumCourse period + 1 year

This value is copied from Published education-loan repayment limits. Check the table notes before relying on it.

Source: Bank of Baroda education-loan pages · — Repayment Period Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 3 rows · 3 columnsPublished education-loan repayment limitsRepayment terms transcribed from Bank of Baroda's official education-loan pages.View tableHide table