एलिगो (Eligo) सरकारी योजनाओं की खोज हेतु भारत का स्वतंत्र नागरिक सूचना मंच है — किसी भी सरकारी निकाय से संबद्ध नहीं।

Eligo
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शीर्ष संस्थानसरकारी गारंटी / योजना समर्थितसत्यापित: 2026-09-28 (180-दिवसीय SLA)

Bank of Baroda Digital Education Loan (विशेष बैंक योजना)

Specialized financing solution by Bank Of Baroda offering transparent terms and flexible repayment.

अधिकतम ऋण राशिUp to ₹20 Lakh (End-to-End Paperless Digital Sanction)
ब्याज दर8.40% – 9.75% p.a. (Instant digital approval)
मोराटोरियम अवधिCourse duration + 1 year
पुनर्भुगतान अवधिUp to 15 years

📋पात्रता मानदंड एवं मार्जिन मनी (Eligibility & Margin Rules)

पात्रता की शर्तें

Indian national who has secured admission to a course run by ITI, Polytechnic, or training partners affiliated with National Skill Development Corporation (NSDC) / Sector Skill Councils.

मार्जिन मनी आवश्यकता

5% domestic; 15% abroad.

जमानत / कोलेटरल आवश्यकता (Collateral Requirement)

Nil up to ₹7.5 Lakh; Property mortgage for > ₹7.5 Lakh.

विशेष सरकारी ब्याज सब्सिडी (CSIS / सरकारी लाभ)

Backed by Credit Guarantee Fund for Skill Development (CGFSD) or premier institute fast-track terms.

📂खर्चे एवं आवश्यक दस्तावेज (Expenses Covered & Documents)

कवर किए जाने वाले शैक्षणिक खर्चे

Tuition / course fees, examination fees, equipment / tool kits, books, and exam certification fees.

आवेदन हेतु आवश्यक दस्तावेज

Admission letter from training partner/ITI, fee receipt, 10th marksheet, Aadhaar of student and parent, bank account passbook.

⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Caveats)

Parent co-borrower mandatory; course must be aligned with National Skill Qualification Framework (NSQF); unaccredited private training institutes are ineligible.

🚀आवेदन प्रक्रिया (Official Application Process)

1. Apply via JanSamarth portal or nearest Bank Of Baroda branch. 2. Submit admission proof from NSDC/ITI institute. 3. Digital verification and direct fee remittance to training center.

आधिकारिक आवेदन पोर्टल पर जाएं

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

What is the maximum loan under Bank of Baroda Digital Education Loan?

Up to ₹20 Lakh (End-to-End Paperless Digital Sanction). As per government guidelines, loans are structured to match training and equipment costs.

What is the moratorium period for skill loans?

For courses up to 1 year, moratorium is course duration + 6 months. For courses over 1 year, moratorium is course duration + 12 months.

Is collateral needed for skill loans?

No collateral or third-party guarantee is required for skill loans up to ₹1.5 Lakh as they are covered by CGFSD.