Floating spreads from −1.05% for the top 10 IIMs/IITs to +0.50% for list C institutions
fixed spreads vary by category and amount.
spreads from −1
Up to ₹20 lakh.
Up to 120 instalments after the moratorium for loans up to ₹7.50 lakh and up to 180 instalments for larger loans
maximum 10–15 years after the moratorium.
Value awaiting review
Nil for all cases
₹7,500 per mortgaged property for advocate and valuer charges.
For a fixed-rate education loan, prepayment from the borrower’s own source is nil. A takeover by another lender attracts 0.50% of the outstanding amount at takeover
where there is more than one account, the charge is calculated separately for each account.
Floating spread ranges from −1.05% for the top 10 IIMs/IITs to +0.50% for category C institutions
the sanctioned rate depends on institution category and security.
spread ranges from −1
Without collateral: ₹40 lakh for List , ₹30 lakh for List A, ₹15 lakh for List B and ₹10 lakh for List C
with collateral, up to ₹80 lakh.
Up to 120 instalments after the moratorium for loans up to ₹7.5 lakh
up to 180 instalments for higher amounts.
Value awaiting review
Nil for study in India. For study abroad, 1% of loan amount capped at ₹10,000 and refundable on first disbursement
₹8,500 per mortgaged property for advocate/valuer charges.
For a fixed-rate education loan, prepayment from the borrower’s own source is nil. A takeover by another lender attracts 0.50% of the outstanding amount at takeover
where there is more than one account, the charge is calculated separately for each account.
Floating: + 2.00%up to ₹7.50 lakh and + 2.35%above ₹7.50 lakh. Fixed: Base Rate + 2.00%up to ₹7.50 lakh (effective 11.45% p.a.) and + 4.35%above ₹7.50 lakh (effective 12.25% p.a.).
+ 2
Maximum ₹80 lakh for the -abroad product.
Repayable in maximum 10–15 years after the moratorium
for loans up to ₹7.50 lakh the cap is moratorium plus 120 instalments, and above ₹7.50 lakh it is moratorium plus 180 instalments. For the -abroad variant, the moratorium is the course period plus three months.
Value awaiting review
1% of loan amount capped at ₹10,000, recovered upfront and refundable on first disbursement
₹7,500 per mortgaged property for advocate/valuer charges.
Borrower's own source: nil. Takeover by another lender: 0.50% of the outstanding amount at takeover
for more than one account, calculated separately for each account.
7.20% for PMVLS/ Premier category institutions, 7.40% for category A and 7.90% for other institutions
pricing is linked to spreads.
spreads
₹2 lakh minimum and ₹40 lakh maximum
margin is nil up to ₹4 lakh, 5%above ₹4 lakhup to ₹7.5 lakh, and nil above ₹7.5 lakh under the published table.
Up to 15 years after the course-period-plus-one-year moratorium
up to 120 instalments for loans up to ₹7.5 lakh and up to 180 instalmentsabove ₹7.5 lakh.
Indian national with NEET rank up to 65,000 for UG or 30,000 for PG, admitted to a full-time medical course
co-obligation of parent/guardian and assignment of future income are mandatory.
Nil processing fee
PMVLP charges ₹200 are listed separately.
For a fixed-rate Education Loan: nil when prepaid from the borrower's own source
0.50% of the outstanding amount at takeover by another lender. If there is more than one account, the charge is calculated separately for each account. This published schedule applies to the fixed-rate loan variant
the product pages do not state a separate floating-rate prepayment charge.
The Yoddha education rate is the same as the corresponding Baroda education-loan variant. For premier institutions in India, the published floating spreads are −1.05% (Top 10 IIMs/IITs), −0.70% (), −0.50% (A), 0.00% (B) and +0.50% (C). Fixed rates are +1.40% to +2.00% for /A
for B and C, up to ₹7.50 lakh is Base Rate +2.00% and above ₹7.50 lakh is +2.85% / +3.05% respectively.
spreads are −1
Up to ₹1,25,00,000 for studies in India and ₹1,50,00,000 for overseas studies.
The Yoddha page says all other education-loan guidelines remain unchanged
the linked Baroda education-loan guideline therefore permits up to 10–15 years after the moratorium, with 120 instalmentsup to ₹7.50 lakh and 180 instalmentsabove ₹7.50 lakh.
Value awaiting review
Under the linked Baroda education-loan terms that the Yoddha page says remain unchanged: nil up to ₹7.50 lakh
above ₹7.50 lakh, 1% of the loan amount capped at ₹10,000 plus applicable , refunded at first disbursement for premium institutions. A separate ₹8,500 advocate/valuer amount applies where property is mortgaged.
Under the linked Baroda education-loan terms that the Yoddha page says remain unchanged: nil when prepaid from the borrower's own source
0.50% of the outstanding amount when taken over by another lender.
For Vidyalakshmi/Baroda Gyan institutions: TOP 10 IIMs/IITs 7.10%, 7.45%, A 7.65%, B 8.15%, C 8.65%. Other institutions: +2.00%up to ₹7.50 lakh and +1.90%above ₹7.50 lakh.
+2
Maximum finance up to ₹25 lakh.
Course period plus one year moratorium
repayment maximum 120 instalmentsup to ₹7.50 lakh and 180 instalmentsabove ₹7.50 lakh.
The page does not state a minimum rupee income
eligibility is based on resident-Indian status and admission to a recognised /Government/-approved course.
Nil up to ₹7.50 lakh. Above ₹7.50 lakh: 1% of loan amount, maximum ₹10,000 plus , recovered upfront. Where property is mortgaged, ₹8,500 plus taxes is charged upfront for advocate and valuer expenses.
For a fixed-rate Education Loan: nil when prepaid from the borrower's own source
0.50% of the outstanding amount at takeover by another lender. If there is more than one account, the charge is calculated separately for each account. This published schedule applies to the fixed-rate loan variant
the product pages do not state a separate floating-rate prepayment charge.
The page publishes product-specific /-plus-spread rows for Baroda Vidya, Baroda Gyan, premier-institution loans, Baroda Scholar, Executive Development, Digital Education Loan and Skill Loan
effective rate during the subsidy period is shown as 0.00%. Additional risk premium of 0.10% applies above ₹7.50 lakh when Group Credit Life/Life Insurance cover is not obtained.
/-plus-spread rows for Baroda Vidya, Baroda Gyan, premier-institution loans, Baroda Scholar, Executive Development, Digital Education L
The Bank’s current table states a maximum subsidy-linked loan amount of ₹7.50 lakh from 2018–19 onward and ₹10 lakh before that
the 2022 -USP guideline separately states subsidy up to ₹10 lakh while collateral-free guarantee cover is required up to ₹7.50 lakh.
Value awaiting review
Gross parental/family income from all sources must be up to ₹4.50 lakh per year
an authorised State/UT income certificate is obtained at sanction.
+ 2.00% p.a.up to ₹7.50 lakh and + 1.75% p.a.above ₹7.50 lakh. A 1% concession may apply if interest is serviced during study and the moratorium.
+ 2
Need-based finance up to ₹10 lakh for studies in Delhi
ordinarily up to ₹7.5 lakh may be covered by the Government of India education guarantee route when its conditions are met.
Course period plus one year repayment holiday, followed by repayment in equal monthly instalments over 15 years for all categories. A course-completion extension of up to two years may be considered in the stated circumstances.
Value awaiting review
No processing charges may be levied under the scheme.
Nil. No prepayment penalty is levied at any time during the repayment period.
Bank of Baroda says applies to all retail lending products. The current page lists at 7.90% (repo 5.25% + markup/base spread 2.65%) effective 6 December 2025 and 1-year at 8.75% effective 12 August 2026. Product-specific spreads, pricing and scheme conditions determine the applicable rate.
Value awaiting review
Course period plus one year moratorium, followed by repayment up to 15 years.
Interest subsidy is available up to ₹10 lakh, with 100% subvention for eligible families up to ₹4.50 lakh and 3% subvention for family income above ₹4.50 lakhup to ₹8 lakh.
+ 1.50%, effective rate 9.40% in the published table
girl students receive a 0.50% concession subject to the floor at .
+ 1
₹5,000 minimum to ₹7,50,000 maximum.
Up to 3 years for loans up to ₹50,000
up to 5 years for ₹50,000–₹1 lakh
up to 7 yearsabove ₹1 lakh.
Value awaiting review
Nil processing and documentation charges.
For a fixed-rate Skill Loan, nil when prepaid from the borrower's own source and 0.50% of outstanding when taken over by another lender. The official product page publishes this table under Pre-payment charges.
For the standard Star Education Loan bands, current sheet shows 1 Year RBLR + 1.70% (presently 9.80% p.a.) up to ₹7.50 lakh and 1 Year RBLR + 1.50% (presently 9.60% p.a.) above ₹7.50 lakh
girl/professional-course concessions may apply.
1 Year RBLR plus the published education-loan spread
the current rate sheet gives 9.80%/9.60% p.a. present rates by loan size.
Up to ₹1.50 crore for medical courses excluding nursing and non-medical courses
finance is need-based and subject to earning potential.
Moratorium up to course period plus 1 year
repayment up to 15 years from commencement of repayment.
Value awaiting review
A refundable ₹10,000 charge excluding is stated for study-abroad applications
it is refunded once the actual loan is availed for limits up to ₹20 lakh. portal charge is ₹100 plus 18%
scheme-deviation bands are ₹500/₹1,500/₹3,000 by amount.
Starting from 7.00% p.a. under the -Vidyalaxmi page
current rate sheet also publishes Star Vidyalaxmi categories: Category A 6.85%, Category B 7.50% and Category C 8.40% p.a., subject to category terms.
The page refers to RBLR
the current rate sheet publishes Star Vidyalaxmi category spreads against RBLR, with present rates of 6.85%, 7.50% and 8.40% p.a.
The page does not publish one universal maximum loan amount
finance is for the documented cost of the approved course and expenses.
Moratorium up to the course period plus 1 year
repayment up to 15 years from commencement of repayment.
For the -Vidyalaxmi facility, the page does not publish a universal minimum income threshold. It does publish interest-subvention family-income bands of up to ₹4.50 lakh and above ₹4.50 lakh to ₹8 lakh for specified support, which are subsidy conditions rather than a general eligibility floor.
Nil processing charge. portal and third-party charges may apply where stated by the scheme.
repayment up to 180 (15 years), excluding moratorium.
Value awaiting review
No processing or upfront charge. Account handling 0.20% of loan amount, minimum ₹500. Vidya Laxmi enrolment charge ₹200 in the current (the page displays ₹100 + and notes it is subject to change)
A numeric Masters-loan rate is not published on the reviewed product page
the page describes lower reducing-balance pricing and links to Canara's current interest-rate information.
Value awaiting review
Minimum loan is above ₹7.50 lakh. With collateral coverage of 100% or more, there is no maximum cap subject to project cost
with coverage below 100%, maximum is ₹1 crore.
Repayment in up to 15 years excluding the moratorium period.
Value awaiting review
Collateral coverage 100% or more: 0.50% of sanctioned limit, maximum ₹10,000. Coverage below 100%: 0.50%, maximum ₹20,000. The page publishes a 50% waiver for 1 April 2026 to 30 June 2026.
7.05% to 10.15% p.a. floating for the Education Loan row in Indian Bank's current personal-segment rate table
the applicable slab varies by institution category and borrower profile.
The current education-loan rate row is labelled floating but does not identify a named benchmark or spread for this product.
Need-based finance is available for India and overseas studies subject to margin and eligible expenses. The page publishes a ₹25 lakh maximum specifically for Executive Management/Executive
it does not publish a universal rupee ceiling for the regular IBA route.
Regular India/abroad education loans: up to 180 after the course and holiday period. Executive Management/Executive : up to 120 beginning the month after first disbursement
moratorium is course period plus up to one year for regular education loans.
Value awaiting review
Up to ₹10 lakh: nil. Above ₹10 lakh: 0.15% of the loan amount, capped at ₹3,000
PNB's current retail rate sheet publishes PNB Pratibha at 9.50% p.a. ( + 0.10%). PNB Udaan is 9.50% p.a. for premier foreign universities ( + 0.10%) and 11.50% p.a.up to ₹4 lakh under the Saraswati/Kaushal/Udaan slab
higher slabs follow the published table.
+ 0
Value awaiting review
Value awaiting review
Value awaiting review
Current PNB education-loan communication states nil processing/upfront and documentation charges for PNB Pratibha
Udaan charges are as per the applicable current schedule unless a concession is confirmed for the selected route.
PNB's current retail rate sheet publishes PNB Pratibha at 9.50% p.a. ( + 0.10%). PNB Udaan is 9.50% p.a. for premier foreign universities ( + 0.10%) and 11.50% p.a.up to ₹4 lakh under the Saraswati/Kaushal/Udaan slab
higher slabs follow the published table.
+ 0
Education finance for higher education abroad, with current published rate bands beginning at 9.50% p.a. for premier foreign universities and 11.50% p.a. for loans up to ₹4 lakh.
Value awaiting review
Value awaiting review
Current PNB education-loan communication states nil processing/upfront and documentation charges for PNB Pratibha
Udaan charges are as per the applicable current schedule unless a concession is confirmed for the selected route.
8.65% p.a. for study in India or ordinary study abroad
at select overseas institutions, 8.65% without security up to ₹50 lakh or 8.15% with security
(External Benchmark Rate)
states that education-loan rates float for the entire loan period. Current is 7.90% p.a. (Repo Rate 5.25% + spread 2.65%).
Study in India follows current Student Loan limits
study abroad follows current Global Ed-Vantage limits, including the published ₹3 crore overall overseas ceiling
↑
180 months
Eligible serving or retired Defence, Indian Coast Guard or personnel, or their spouse or wards, with the co-borrower's qualifying salary or pension account maintained throughout the loan
Nil up to ₹20 lakh
₹10,000 plus tax above ₹20 lakh
NIL in the shared Education Loan contingent-charge table.
Current retail table: Inland/abroad/ Student Union Education up to ₹7.50 lakh is 10.00% p.a. for male students and 9.50% for female students
above ₹7.50 lakh is 9.75% and 9.25% respectively. Other premier, Vidyalaxmi and medical-institute tiers have separate published rates.
Union Bank's published reference benchmark is (Repo Rate), shown as 8.00% effective 13 June 2026 on the current loans-and-advances rate page. Product-specific premiums and concessions are shown separately in the retail table.
Value awaiting review
Maximum repayment tenure is 15 years.
Value awaiting review
Value awaiting review
Value awaiting review
Green marks the most favourable compatible published number or range in each column; incomparable units and overlapping range trade-offs remain neutral. It does not account for eligibility, service, exclusions or personal suitability.
Baroda Digital Education LoanBank of Baroda
