Bank of Baroda Baroda Gyan Education Loan

Bank of Baroda offers multiple education loan schemes with rates starting at 6.85% p.a. The Baroda Gyan scheme covers studies in India and abroad with loans up to ₹1 crore. Zero processing charges and 0.50% discount for female students.

Last checked on September 1, 2026. We may earn a commission when you click through.

Advertisement
✓ Among the lowest starting rates (6.85% p.a.) ✓ Loan amounts up to ₹1 crore ✓ 0.50% interest discount for female students
Student Bank of Baroda Reviewed

Bank of Baroda Baroda Gyan Education Loan

Updated 1 month ago

APR Range

6.85–11.25%

Amount

₹100k

Term

12–180 months

Type

student

Check eligibility →

You'll be redirected to bankbazaar.com

Our Verdict

Bank of Baroda matches SBI on rates (sometimes even beats it at 6.85%) and offers one of the highest loan limits among PSU banks at ₹1 crore. The multiple scheme options (Vidya, Gyan, Scholar) give genuine flexibility, though navigating which scheme you qualify for can be confusing.

Best For

Students needing high-value loans for premier Indian or international institutions who want PSU-bank rates with a wider branch network than other PSU alternatives.

Watch Out

Multiple schemes with different terms can be confusing. Fixed rates are significantly higher (9.30%-11.45%). Processing fees apply for loans above ₹7.5 lakh under Baroda Gyan (1% up to ₹10,000).

Pros

  • Among the lowest starting rates (6.85% p.a.)
  • Loan amounts up to ₹1 crore
  • 0.50% interest discount for female students
  • Zero processing charges for most schemes
  • No prepayment penalty

Cons

  • Multiple confusing scheme structures
  • Fixed rates much higher than floating (up to 11.80%)
  • Processing fee applies above ₹7.5 lakh
  • Slower processing than private banks

Summary

Bank of Baroda's education loan schemes start at 6.85% p.a. with amounts up to ₹1 crore, zero processing charges, and repayment up to 15 years. Multiple schemes cover domestic, international, and premier institution students.

About This Loan

Bank of Baroda offers multiple education loan schemes with rates starting at 6.85% p.a. The Baroda Gyan scheme covers studies in India and abroad with loans up to ₹1 crore. Zero processing charges and 0.50% discount for female students.

Requirements

  • Indian citizen
  • Admission to recognised institution
  • Parent/guardian as co-borrower
  • Collateral for loans above ₹7.5 lakh under Baroda Gyan

Check if you qualify

Check eligibility →

You'll be redirected to bankbazaar.com

Similar options