Public Sector Bank (PSU)Term Loan (Capex / Expansion)Small Enterprise (Investment ≤ ₹10 Cr)🛡️CGTMSE CoveredVerified: 2026-09-29

Baroda Vidyasthali Scheme for Educational Institutes

Primary Lending Institution:Bank of Baroda (BOB)

₹25 Lakh to ₹20 Crore MSME credit at 8.50% – 9.75% with Up to 10 years tenure.

Interest Rate8.50% – 9.75%Linked to EBLR / MCLR / Risk

Loan Amount Quantum₹25 Lakh to ₹20 CroreBased on turnover & project cost

Repayment TenureUp to 10 yearsWith moratorium where applicable

Collateral SecurityRestricted to recognized educational institutions with statutory affiliations and tax exemptions.

What's Missing: Crucial Fine-Print & Exclusion Gaps

Restricted to recognized educational institutions with statutory affiliations and tax exemptions.

Note: Eligo publishes these regulatory and commercial exclusions directly from bank product guidelines and CGTMSE rules to protect MSME applicants from unexpected fee debits or loan rejection surprises.

What is Baroda Vidyasthali Scheme for Educational Institutes?

Infrastructure development loan for registered educational trusts, societies, and colleges to build campuses and labs.

Key Benefits & Features

Long repayment tenure up to 10 years; competitive interest rates; moratorium during construction phase.

Government Subsidy & Credit Guarantee Coverage

CGTMSE / Bank Guarantee / Normal Security

Enterprise Eligibility Criteria

Registered education trusts and societies with minimum 3 years operational existence.

Business Vintage3+ Years in Operation

Min. Annual Turnover₹50.0 Lakh

Processing Fee0.50% + GST

Prepayment TermsZero prepayment penalty on floating rate loans as per regulatory norms

How to Apply (3 Verified Paths)

💼Path 1: Current Account Portal

Apply online via business net banking or approach loan account manager.

🌐Path 2: Official FinTech / Govt Portal

Apply online at https://www.bankofbaroda.in/business-banking/msme-banking/loans/baroda-vidyasthali with digital KYC and financial statements.

🏢Path 3: SME Banking Center Walk-In

Visit nearest MSME branch of the institution with business registration and bank statements.

Eligo does not collect business loan applications or financial data. Apply directly on the verified official domain:

Visit Official Portal↗

Documents Required Checklist

Udyam Registration Certificate, PAN, Aadhaar, Last 2 years ITR and financial statements, 12 months GST returns, 6 months bank statement.

Frequently Asked Questions

What is the maximum loan tenure and amount for Baroda Vidyasthali Scheme for Educational Institutes?

Borrowers can avail ₹25 Lakh to ₹20 Crore with a repayment tenure of Up to 10 years.

What are the processing charges and collateral terms for Baroda Vidyasthali Scheme for Educational Institutes?

The processing fee is 0.50% + GST. Collateral terms: Restricted to recognized educational institutions with statutory affiliations and tax exemptions.

What are the eligibility criteria for Baroda Vidyasthali Scheme for Educational Institutes?

Registered education trusts and societies with minimum 3 years operational existence. Minimum business vintage required is 3 year(s).

How can an applicant apply for Baroda Vidyasthali Scheme for Educational Institutes?

Apply online at https://www.bankofbaroda.in/business-banking/msme-banking/loans/baroda-vidyasthali or visit nearest branch with KYC, Udyam registration, and bank statements.