For pursuing any type of educational, Bank of Baroda provides four loan options for students. They are :

Baroda Gyan Scheme

Designed for students pursuing Graduation, Post - Graduation, Professional & Other courses in India

Eligibility :
	Student Should be Resident Indian. Secured admission to either of above courses No minimum qualifying marks. Courses All Graduation courses. All Post Graduation courses & Doctorate courses. Professional Courses viz. Engineering, Medical, Agriculture, Veterinary, Law, Dental, Management, Computer, Ayurved, Homeopathy, Physiotherapy, Hotel Management, Hospital Management, Interior Designing, Architecture, Event Management, Mass Communication, Fashion Technology, etc. Computer certificate courses of reputed institutes accredited to Dept. of Electronics or institutes affiliated to Universities. Courses like C.A, ICWA, CFA, CS, etc. Regular Degree/ Diploma courses like Aeronautical, pilot training, shipping etc., approved by Director General of Civil Aviation/shipping. Courses offered in India by reputed foreign Universities. Evening courses of institutes approved by State/ Central/ Govt./ UGC/ AICTE/ AIBMS/ ICMR/ ICAR. Courses offered by National Institutes and other reputed private institutions. The College/ Institute must have been approved by the State/Central Govt./ UGC/ AICTE, etc.
Loan Details
	Coverage of expenses  Fee payable to college / school. Examination / Library / Laboratory Fee. Fee and other charges payable to hostel. Purchase of books / equipments / instruments / uniforms. Personal Computers / Laptops wherever required. Caution deposit / building fund / refundable deposit supported by institution bills / receipts. Any other expenses required to complete the course - like study tours, project works, thesis, etc. Quantum  Maximum Loan Amount : Rs.10.00 Lacs. Margin : Scholarship/assistantship if any received to be included in the margin. Margin may be broad on year to year basis as and when disbursements are made on a pro rata basis. Upto Rs. 4.00 lacs :- Nil Above Rs. 4.00 lacs :- 5% Security : Upto Rs.4 lacs : No security Above Rs. 4 lacs and upto Rs.7.5 lacs : Collateral in the form of a suitable third party guarantee along with assignment of future income. Above Rs.7.5 lacs: Tangible collateral security equal to 100% of the loan amount along with assignment of future income. No processing & documentation charges. Drafts required in favour of the school or student will be issued free.
Rate of Interest
	Simple interest to be charged at monthly rests during the repayment holiday/moratorium period. Penal interest @ 2% p.a. on overdue amount, if the loan amount exceeds Rs.4.00 lacs. 1% interest concession be provided if interest debited during repayment holiday is serviced. 1% Concession in rate of interest to loans for girl student.
Repayment
	Repayment holiday/ moratorium period is course period + 1 year, or 6 months after getting job, whichever is earlier. The loan is repayable in 5-7 years after the above period.
Contact Details Head Offices Suraj Plaza-1, Sayaji Ganj, Baroda-390005 Phone : (0265) 236 1852 (10lines) Fax     : (0265) 236 2395, 236 1824, 236 1806 Baroda House, P.B. No.506, Mandavi, Baroda-396006 Phone : (0265) 256 3932 Fax     : (0265) 256 2445 Corporate Centre Baroda Corporate Centre, Plot No - C-26, G - Block, Bandra - Kurla Complex, Bandra (East), Mumbai-400051 Phone :(022) 6698 5000- 04 Fax :(022) 2652 350 Website : visit Bank of Baroda Zonal Offices Bank of Baroda Regional Offices