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.

✓ 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

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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.