Good fit
Secured loans at public-bank rates
Public sector bank · reviewed 2026-11
Bank of Baroda Education Loan for Abroad Studies
Bank of Baroda is a public sector bank. Public-bank pricing with a premier list for collateral-free amounts. Here's what its abroad-study loan offers, who it suits, and how it compares — so you can decide before you visit a branch or apply online.
- Reported collateral-free up to about ₹40 lakh for premier-list institutions
- Usually 2–4 weeks with collateral
- Rate: ≈ 8.5%–10.5% a year in 2026 (floating)
- Compared with 2–3 alternatives
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Quick answer
Bank of Baroda education loan for abroad studies
Baroda Scholar (education loan for studies abroad). Up to ₹150 lakh for studies abroad under Baroda Scholar, and up to ₹80 lakh under its scheme for EDP courses at premier institutions abroad, as published by the bank. Reported collateral-free up to about ₹40 lakh for premier-list institutions; collateral for others. Interest: indicative ≈ 8.5%–10.5% a year in 2026 (floating); check the bank's current rate. Co-applicant: parent or guardian as co-borrower. It suits secured loans at public-bank rates.
Ask on WhatsAppUpdated · Reviewed by the Visa Edu Loans loan & visa desk
Official sources: Bank of Baroda — Baroda Scholar
Bank of Baroda loan at a glance
- Lender type
- Public sector bank
- Product
- Baroda Scholar (education loan for studies abroad)
- Loan amount
- Up to ₹150 lakh for studies abroad under Baroda Scholar, and up to ₹80 lakh under its scheme for EDP courses at premier institutions abroad, as published by the bank
- Without collateral
- Reported collateral-free up to about ₹40 lakh for premier-list institutions; collateral for others
- Interest rate
- Indicative ≈ 8.5%–10.5% a year in 2026 (floating); check the bank's current rate
- Typical time to sanction
- Usually 2–4 weeks with collateral
Official terms
What Bank of Baroda publishes
Quoted from Bank of Baroda's own website, checked on 9 November 2026. Lenders revise these often; your sanction letter is final.
Official source: Bank of Baroda — Baroda Scholar — rules change; always confirm current requirements.
Key terms
Bank of Baroda education loan: key terms
Limits and rates change; confirm the current terms on the lender's official page or your sanction letter.
Official source: Bank of Baroda — Baroda Scholar — rules change; always confirm current requirements.
Fit
Who a Bank of Baroda loan suits
Good fit
Students at universities on the bank's premier list
Watch out
Limits and university lists are revised — confirm before you apply
Watch out
Margin money (your contribution) usually applies above ₹4 lakh
Repayment
EMI on a ₹50 lakh Bank of Baroda loan
Illustrative at 9.5% (the middle of the indicative range). Your rate depends on your profile.
Compare
How Bank of Baroda compares
Process
How to get a Bank of Baroda loan with our help
- 01
Profile check
We check your university, course and co-applicant against Bank of Baroda's policy and 2–3 alternatives.
- 02
Documents
One checklist for the student, co-applicant and any collateral.
- 03
Branch application and valuation
The bank verifies documents and, for secured loans, values the property and runs a legal check.
- 04
Sanction letter
We review the rate, fees, margin and moratorium before you accept.
- 05
Visa and disbursement
Use the sanction for the visa; tuition is paid directly to the university.
- Admission letter and university cost sheet (or I-20 / CAS)
- Student and co-applicant PAN, Aadhaar and passport
- Academic records and test scores
- Co-applicant income proof: salary slips and Form 16, or 2–3 years of ITRs
- Last 6 months' bank statements
- Property documents for secured loans (title deed, tax receipts, encumbrance certificate)
FAQs
Frequently asked questions
Still have a question?
Ask a counsellor directly — we reply on WhatsApp during working hours (Mon–Sat, 9 AM–6 PM IST).
Up to ₹150 lakh for studies abroad under Baroda Scholar, and up to ₹80 lakh under its scheme for EDP courses at premier institutions abroad, as published by the bank. The amount you get depends on your cost of attendance, collateral and co-applicant income.
Reported collateral-free up to about ₹40 lakh for premier-list institutions; collateral for others.
Indicative ≈ 8.5%–10.5% a year in 2026 (floating); check the bank's current rate. Floating; Bank of Baroda publishes its study-abroad rate as starting from BRLLR + 1.75%.
Yes: parent or guardian as co-borrower.
Usually 2–4 weeks with collateral. A complete file is the biggest factor in speed.
No. We're an independent consultancy: we compare Bank of Baroda with other lenders for your profile and help you prepare the file. The lender makes every credit decision.
Explore
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Guides
Education loan guides
- How Much Education Loan Can I Get to Study Abroad?
- Is a Co-Applicant Mandatory for an Education Loan?
- Education Loan Without a Co-Applicant for Abroad Studies
- Education Loan Interest Rates for Abroad Studies
- Education Loan Tax Benefit: Section 80E and Section 129
- Education Loan Moratorium Period Explained
- All education loan guides
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