शिक्षा ऋण

सही शिक्षा के साथ सही
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बड़ौदा शिक्षा ऋण
मिस्ड कॉल करे : 846 700 1122

बड़ौदा स्कॉलर (विदेश में शिक्षा हेतु)

बैंक ऑफ़ बड़ौदा स्कूली शिक्षा प्राप्त करने वाले विद्यार्थियों के माता-पिता हेतु एक वित्तीय विकल्प लेकर आया है. यह ऋण नर्सरी से उच्च माध्यमिक स्कूल के अध्ययन हेतु उपलब्ध हैं.

  • कोई प्रोसेसिंग एवं दस्तावेजीकरण प्रभार नहीं
  • कोई मार्जिन नहीं
  • कोई प्रतिभूति आवश्यक नहीं
  • भारत में रहने वाला भारतीय नागरिक होना चाहिए.
  • विद्यार्थी ने प्रतिष्ठित स्कूल/हाई स्कूल/जूनियर कॉलेज (सीबीएसई/आईसीएसई/राज्य बोर्ड सहित) में निम्नलिखित में से किसी एक पाठ्यक्रम में प्रवेश लिया हो
  • मौजूदा ब्याज दरों के लिए यहां क्लिक करें.
  • छात्राओं (कन्या विद्यार्थियों) के लिए ऋण पर ब्याज दरों में 0.50% रियायत
  • अधिस्थगन अवधि के दौरान जब कभी भी ब्याज लगाया जाएगा उसका भुगतान किया जाएगा.
  • यदि ऋण राशि रु. 2 लाख से अधिक हो तो अतिदेय राशि पर प्रति वर्ष 2% दंड लगाया जाएगा.



The Loan will be sanctioned for extending financial assistance to deserving/ meritorious students for pursuing Education

Sr. No. Product Name Target Group
1 BARODA VIDYA Nursery to standard XII
2 BARODA GYAN College and Higher Education in India
3 BARODA EDUCATION LOAN TO STUDENTS OF PREMIER INSTITUTIONS (Under Baroda Gyan) Courses conducted by the Premier Educational Institutions in India
4 BARODA SCHOLAR Studies Abroad

Scope of the Education Loan

Studies in India

  • For education from Nursery to standard XII (Parents shall be given loan in this case)
  • For Graduation Courses, Post-Graduation Courses, Professional Courses like Engineering, Medical, Agriculture, Veterinary, Law, Dental, Management, Architecture, Computer Education etc.
  • Courses like ICWA, CA, CFA etc.
  • Courses conducted by IIM, IIT, IISC, XLRI, NIFT etc.
  • Regular Degree / Diploma Courses like Aeronautical, Pilot Training, Shipping etc. approved by Director General of Civil Aviation / Shipping.
  • Courses offered in India by reputed foreign Universities
  • Other courses leading to Diploma/ Degree etc. conducted by colleges / universities approved by UGC/ Govt. / AICTE / AIBMS / ICMR etc.

Studies abroad

  • Professional / technical courses offered by reputed foreign universities
  • Post-graduation courses like MBA, MCA, MS etc.
  • Courses conducted by CIMA- London, CPA in USA etc.
  • Regular Degree/ Diploma courses like Aeronautical, Pilot Training, Shipping etc. The institute should be recognized by local aviation / shipping authority and Director General of Civil Aviation / Shipping in India.

Student Eligibility

  • Should be an Indian resident
  • Should have secured admission in any courses as mentioned above in point 2.

Coverage of Expenses

  • Fee payable to college / school / Institute / University
  • Examination / Library / Laboratory fee
  • Purchase of Books / Instruments / Equipments / Uniforms
  • Personal Computer / Laptop wherever required
  • Caution Deposit, Building Fund / Refundable deposit (supported by Institutional Bills / Receipts), subject to condition that the amount does not exceed 10% of the total tuition fees for the entire course.
  • Insurance premium for student borrower (not for Loans up to 12th standard Student)
  • Any other expenses required to complete the Course- like study tours, project works, theses etc.

Quantum of Finance

  • Loan to parent of students pursuing school education from Nursery to XII standard -- Maximum Rs 4.00 lac (subject to year wise sublimit)
  • For other courses in India- Maximum Rs.30.00 lac
  • For study outside India- Maximum Rs. 60.00 lac


  • Baroda Vidya : NIL
  • Baroda Gyan : Upto Rs. 4.00 Lakh – NIL, Above Rs. 4.00 lacs 5 %
  • Baroda Education Loan to Students of Premier Institutions - NIL
  • Baroda Scholar for study abroad: NIL for List A and List B Institution, 10 % for Institutions not specified in List A and B.


  • Up to Rs. 4.00 lac- No Security. Co obligation/ Obligation of Parents
  • Above Rs.4.00 lac and up to Rs.7.50 lac-Collateral in the form of a suitable third party guarantee along with assignment of future income.
  • Above Rs. 7.50 lac - Tangible collateral security equal to 100% of the loan amount along with assignment of future income of the students.


Baroda Vidya: NIL

Baroda Gyan & Education Loan to Students of Premier Institutions*: NIL
*For list of Premier Institutions visit our Bank’s website.

Baroda Scholar: 1.00% of Loan amount (maximum Rs.10, 000/-) to be recovered upfront which will be refundable on availment (first disbursement) of loan. The amount can be refunded to the credit of Saving Bank account / Loan account of the student / borrower.
A non-refundable Lump sum amount Rs.7,500/- per property (towards Advocate and Valuer charges) to be taken upfront in case of all Education Loan accounts, wherever property is mortgaged.

Disbursement: For study in India

  • Directly to School / Institution/ Hostel – term wise / Year wise, in stages as per the requirement / demand
  • Directly to Book seller / shop for purchase of Books, Instruments, Equipments
  • Next Year disbursement to be made only after Student has passed the Current Year annual examination & progress report / Mark sheet to that effect is produced to Bank.
  • In case student does not secure Hostel facilities with educational institute, he may be allowed to make his own arrangement, if required, fee of lodging / boarding in such cases to be paid directly to concerned establishment, after verifying bonafides of the same
  • For the first year of study, at times institutions insist students to pay the fees upfront at the time of admission. Such amount can be reimbursed after obtaining proof of payment.

Progress Report

To be submitted at regular intervals by student for Bank records.

Financing Branch

Branch which is in the close proximity to the permanent residence of the parent / at the place of posting / service of the parent, who will be borrower (in case of Loans for Education from Nursery to XII standard) & Co borrower in other cases.

Rate of Interest

For current interest rate visit Click here

Repayment Period

In case of Loans for Education from Nursery to XII standard

  • Loan for each yearly sub limit is repayable in 12 Equated Monthly Installments. First Installment to be due 12 months after first disbursement of each year’s loan component.
  • Interest to be serviced as and when applied during the moratorium period.
  • Option to repay the loan after moratorium by way of EMI is also available.

In case of other Loans

  • Loan upto Rs.7.50 lac is repayable in 10 years after moratorium period (Course period+ 1 year or 6 months after getting job, whichever is earlier). And loans more than 7.50 lac is repayable in 15 years after moratorium period (Course period+ 1 year or 6 months after getting job, whichever is earlier)
  • If the student is not able to complete the course within the scheduled time, extension of time for completion of course may be extended for a maximum period of 2 years. In such cases moratorium period will stand extended accordingly

Other Terms

  • 0.50% concession in rate of interest to loans for girl students except for “Baroda Education Loans to Students of premier Institution”.
  • Penal Interest @ 2% p.a. on overdue amount if loan exceeds Rs 4 lac

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  • Total Interest
  • Total Amount
Monthly Payment Rs. 1,977.00

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