Secured loans at public-bank rates
Secured loans at public-bank rates
Public sector bank · 🇺🇸 USA
Bank of Baroda Education Loan for the USA
How Bank of Baroda's education loan works for Indian students heading to the USA — limits, collateral, rates and what a typical USA loan costs to repay.
- Up to ₹150 lakh for studies abroad under Baroda Scholar
- Indicative ≈ 8.5%–10.5% a year in 2026
- Example: ₹79 lakh for USA
- We compare 2–3 lenders
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Quick answer
Is Bank of Baroda a good choice for an education loan for the USA?
Public-bank pricing with a premier list for collateral-free amounts. Bank of Baroda lends for the USA: 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. A typical USA master's on our data (UF, ₹91 lakh – ₹1.06 crore) needs about ₹79 lakh; at 10.5% over 10 years the EMI is about ₹1,06,599 a month.
Ask on WhatsAppUpdated · Reviewed by the Visa Edu Loans admissions & finance desk
Official sources: Bank of Baroda — Baroda Scholar
Bank of Baroda for the USA
- 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
- Collateral
- Property, deposits or other tangible security acceptable to the bank
- Co-applicant
- Parent or guardian as co-borrower
- Interest rate
- Indicative ≈ 8.5%–10.5% a year in 2026 (floating); check the bank's current rate
- Repayment
- EMIs over up to 15 years after the moratorium
- Processing
- 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.
Repayment
EMI on a ₹79 lakh loan for the USA
Fit
When Bank of Baroda suits a USA plan
Students at universities on the bank's premier list
Students at universities on the bank's premier list
Watch out
Limits and university lists are revised — confirm before you apply
- Get the sanction letter before applying for the F-1 student visa
- Make sure the sanction covers the funds the visa requires
- Tuition is paid to the university; living costs to your account
- Keep the disbursement schedule aligned with your intake
FAQs
Frequently asked questions
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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
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%.
Explore
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