Bank of Baroda offers two major education loan products: Baroda Scholar (for studying abroad) and Baroda Vidya (for studying in India). Both are competitively priced government bank loans with special features.

Key Features at a Glance

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Interest Rate
9.70%–12.75%
💰
Max Loan
₹80 Lakh
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Tenure
Up to 15 years
  • ✅ Baroda Scholar — dedicated abroad loan product
  • ✅ 0.5% concession for girl students
  • ✅ 0.5% concession for existing BOB customers
  • ✅ Insurance offered under loan protection
  • ✅ Pre-shipment credit for blocked accounts (Germany)

Documents Required

  • 📄 Admission letter from university/college
  • 📄 Academic marksheets (10th, 12th, graduation)
  • 📄 Co-applicant KYC: Aadhaar, PAN, Passport
  • 📄 Income proof: Salary slips (3 months) / ITR (2 years)
  • 📄 Bank statements (6 months)
  • 📄 Fee structure / cost of education certificate
  • 📄 Collateral documents if applicable

Why Apply Through StudyCapital?

As an authorised DSA partner, StudyCapital can:
• Submit your application with priority processing
• Negotiate your interest rate (we have volume relationships)
• Ensure zero document rejection by pre-checking your file
• Get you a decision in 3–5 working days vs 2–4 weeks directly

Our service is 100% free — lenders pay us, not you.