For Your Bravery and Honour

1. Name Baroda Yoddha Education Loans (all variants)
2. Eligibility For wards of defence personnel

Special interest rates for children of Defence personnel under Baroda Yoddha Education Loan Scheme:

Product Existing Rate of Interest (%)
Education Loan to Students of  Premier Institutions and Executive Development Programmes for study in Premier Institutions for Domestic Study AA category BRLLR
A Category BRLLR
B Category BRLLR + 0.50
Premier C BRLLR + 0.75
Baroda Gyan BRLLR + 1.10
Baroda Scholar-Premier
Baroda Scholar-Non Premier
Executive Development Programmes for study abroad (Premier Institutions)

Special concession in ROI @ 0.50% for female students is available.

Additional Risk Premium @ 0.10% (All Education loans above Rs 7.50 lakhs) over the above rates would be applicable for customers not obtaining Group Credit Life/ Life Insurance cover to the extent of the loan amount.

Further, there are 12-colleges/Institutions as under governed by “Army Welfare Education Society”. For study in these institutes, Loan to children of defence personal to be considered with following relaxation in parameters.

Army Institute of Technology, Pune Army Institute of Fashion and Design, Bengaluru Army College of Dental Sciences, Secunderabad.
Army Institute of Management and Technology (AIMT), Greater NOIDA Army Institute of Education (AIE), Greater NOIDA Army College of Nursing (ACN), Jalandhar Cantt
Army Institute of Management, Kolkata Army Institute of Law (AIL), Mohali Army Institute of Nursing (AIN), Guwahati
Army Institute of Hotel Management and Catering Technology, Bengaluru Army Law College (ALC) Pune, Kanhe, Pune Army College of Medical Sciences, Delhi Cantt


Security Unsecured: Rs 25.00 lacs
Security Revised Rate of Interest (%)
Secured Loan (100% of the loan) BRLLR+0.45
Unsecured Loan BRLLR+0.90  
Process Charge NIL
Margin NIL

All other guidelines and criteria shall be remain unchanged.

  • Operating units to explore opening of Salary account for the defence personnel with our Bank.
  •  The students would mandatorily open the savings account with the Bank.
  •  Mandatory GCLI for the students seeking unsecured loan for taking admission in AWES institutions
  •  Assignment of Term Life policy of Defence Personnel/Co-applicant in favor of the Bank to be explored
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Select Baroda Yoddha Loans Type
  • Baroda Yoddha Home Loan for Defence Personnel
  • Baroda Yoddha Auto Loan for Defence Personnel
  • Baroda Yoddha Two-Wheeler Loan for Defence Personnel
  • Baroda Yoddha Loan to Defence Pensioners
  • Baroda Yoddha Education Loans (all variants)

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