Baroda Vidyasthali Loan

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Baroda Vidyasthali Loan

Baroda Vidyasthali Loan is a special scheme for financing Educational Institutions.


To meet the financial requirements for setting up the institutions which includes construction of building, purchase of equipment etc. for the new set up as also renovation of the existing facilities, purchase of instruments for imparting education training to the students.

Educational institutions, Schools, Colleges and other education bodies running education activities


HUF are not eligible.


Minimum Rs.25 lacs

Maximum Rs.15 crores


Equitable mortgage of Land & Building (not agricultural land).

Hypothecation of Instruments & Equipment acquired out of the loan and other assets of the Educational Institution.

Personal guarantees of the Promoters of the Institution.


25% of the cost of the project.

ROI as under or as per credit rating whichever is lower, wef 12.05.2016

Upto 5.00 Crores (MCLR + SP) + 0.75%
Above 5.00 Crores & upto 10.00 Crores (MCLR + SP) + 1.25%
Above 10.00 Crores & upto 15.00 Croroes (MCLR + SP) + 2.00%

Repayment Period

Maximum 84 months including moratorium period of 2 year, depending upon the projected cash flow.

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