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Bank of Baroda Education Loan
Bank of Baroda's Baroda Scholar scheme covers a curated list of top global universities. Secured-only abroad scheme with competitive rates and a high loan ceiling.
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Interest Rates & Limits
At a glance
Secured Rate
7.15 - 10.7 %
Up to ₹ 2,00,00,000 MAX
Unsecured Rate
Not offered
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Loan Details
What to expect
Collateral Required
Immovable property required (secured only, no unsecured abroad scheme).
Loan Tenure
Up to 15 years.
Moratorium Period
Course duration + 12 months.
Processing Fee
Nil for most education loans.
Best Suited For
Students at BoB's approved university list who have collateral and want PSU-level rates.
Important: Rates and terms shown are indicative based on our lending partnerships as of 2025–26. Actual rate, amount, and eligibility depend on your profile and are subject to lender assessment. Always confirm directly with Bank of Baroda or through our counsellors before applying.
Documents Needed
What you'll typically need
- Confirmed admission letter from your university.
- Academic transcripts — 10th, 12th, and graduation.
- GRE / GMAT / IELTS / TOEFL scores (if applicable).
- KYC documents of student and co-applicant (Aadhaar, PAN, Passport).
- Co-applicant income proof — salary slips / ITR / bank statements.
- Collateral documents — title deed, encumbrance certificate, valuation report.
- University fee structure and cost of attendance breakdown.
Country-Wise Rates
Rates by destination country
Rates and limits vary by country. Click a country for full details.
Rates are indicative as of 2025–26. Confirm with the lender before applying.
Ready to apply through Bank of Baroda?
We'll check your eligibility, negotiate the rate, and walk you through the paperwork — so you focus on your degree, not the bank.
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