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Public sector bank

Bank of Baroda

Baroda Gyan, Baroda Scholar, Baroda Vidya, Baroda Skill

Students whose college is on the Baroda premier list.

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  • Interest From about 9.70%
  • Maximum Baroda Gyan up to about ₹50 lakh in India. Baroda Scholar is the abroad product.
  • Without collateral Higher than ₹7.5 lakh on the premier list. Standard files follow the IBA cap.
  • Tenure Up to 15 years after the moratorium
  • Processing fee Often nil for studies in India. Abroad files may carry a fee.
  • Margin Nil up to ₹4 lakh. Above that, usually 5% for studies in India and 15% for studies abroad.

Baroda Gyan and Baroda Scholar are priced off the bank’s benchmark. A 2026 premier-list review put Gyan near 9.70%. Use the sanction letter, not this floor.

What to know

  • Baroda Gyan covers higher education in India. Baroda Scholar covers studies abroad.
  • The premier list changes the spread and the collateral-free limit.
  • Baroda still prices these schemes off its own benchmark, so repo cuts can take longer to show up than at SBI.

Terms

Interest
From about 9.70%
Maximum
Baroda Gyan up to about ₹50 lakh in India. Baroda Scholar is the abroad product.
Without collateral
Higher than ₹7.5 lakh on the premier list. Standard files follow the IBA cap.
Tenure
Up to 15 years after the moratorium
Processing fee
Often nil for studies in India. Abroad files may carry a fee.
Margin
Nil up to ₹4 lakh. Above that, usually 5% for studies in India and 15% for studies abroad.
Moratorium
Course period plus up to 12 months
Girl student
Many public-sector schemes give girl students 0.50%. Confirm it is written on the sanction.
Typical speed
About 2–4 weeks
Covers
India and abroad

Eligibility

  • Confirmed admission. Premier pricing needs the institute to be on the published list.
  • Co-applicant with acceptable credit.

Documents

  • Admission letter or college allotment, plus the fee structure.
  • KYC for the student and co-applicant: PAN, Aadhaar, and passport-size photographs.
  • Academic records: Class 10, Class 12, and degree marksheets.
  • Co-applicant income proof: salary slips or ITR, and six months of bank statements.
  • Collateral papers only when the loan is above the unsecured limit.

The bank or NBFC sanctions the loan. This page is a briefing so you can compare, not an offer.

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