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Bank of Baroda
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Since the rules, regulations, eligibility conditions, repayments and interests rates etc are revised by the banks from time to time. students and parents are advised to check thoroughly the terms and conditions of educational loan scheme of respective bank on offer at the time of application.

Bank of Baroda



Eligiblity of Courses :

  • Graduate, Post Graduate, Diploma, Professional Courses, Specialization courses offered by reputed Universities/ Institutions (Indian or Overseas), having assured employment prospects.
  • Skill up gradation courses offered by various institutes (Indian/Overseas), having assured employment prospects.
  • Courses offered by Hospitality Management Institutes for Skill upgrade/Short course/ Training etc.
  • Pilot Training Courses, offered by reputed Institutions (Indian or Overseas), approved by Director General of Civil Aviation (DGCA) /International Civil Aviation Organization (ICAO).

Student Eligiblity :

  • Should be an Indian National.
  • Have secured admission to the course through entrance test / merit based selection process.

Maximum Quantum of Loan :

  • Need based finance subject to repaying capacity of applicant, based on present / expected income after completion of the course.
  • In India: Rs. 10.00 Lacs.
  • Abroad : Rs. 20 Lacs.

Coverage of expenses :

  • Tuition Fees, Examination/ Library fee etc. charged by the Institution.
  • Hostel fees.
  • Cost of Books, equipments, instruments, etc.
  • Personal Computers/ Laptops, wherever required.
  • Any other expenses required to complete the Course viz: Study Tours, Project works, thesis, etc.

Margin :

  • 15% (Any scholarship / assistantship, if received, would not be included in margin).

Repayment Period :

  • Maximum 60 EMIs.

Repayment Holiday :

  • Course period + 6 months or 3 months after getting a job, whichever is earlier.

Security :

  • 100% tangible collateral security by way of mortgage of property or assignment of securities NSC, KVP, LIC policy, FDR etc.
  • Personal guarantee of Father / mother of the applicant or any other person having sufficient worth.

Interest Rates:

Baroda Education Loan to Students of Premier Institutions (For Studies in India) For List-A Institutions :
Upto Rs 15 Lacs : One year MCLR + Strategic Premium + 0.25%
Above Rs 15 Lacs: One year MCLR + Strategic Premium
For List-B Institutions:
Upto Rs 7.50 Lacs : One year MCLR + Strategic Premium + 0.75%
Above Rs 7.50 Lacs: One year MCLR + Strategic Premium + 0.50%

For More Information About Interest Rates



Mumbai: 02266985000-04,22-42068502,

Baroda: 02652576402,02652307852/2361852

Hyderabad: 0402342 1650

Bhopal: 1800223344

Hukumpeta: 0883-2469766

Karnataka: 08025615344

Maharashtra: 02589222276


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