{"id":32509,"date":"2024-03-11T19:42:45","date_gmt":"2024-03-11T14:12:45","guid":{"rendered":"https:\/\/test-blog.unicreds.com\/blog\/?p=32509"},"modified":"2025-01-03T12:07:13","modified_gmt":"2025-01-03T06:37:13","slug":"axis-bank-vs-bank-of-baroda","status":"publish","type":"post","link":"https:\/\/unicreds.com\/blog\/axis-bank-vs-bank-of-baroda\/","title":{"rendered":"Axis Bank Vs Bank Of Baroda: Know Key Differences!"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_75 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/unicreds.com\/blog\/axis-bank-vs-bank-of-baroda\/#Eligibility_Criteria\" >Eligibility Criteria<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/unicreds.com\/blog\/axis-bank-vs-bank-of-baroda\/#Interest_Rates\" >Interest Rates<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/unicreds.com\/blog\/axis-bank-vs-bank-of-baroda\/#Processing_Fee\" >Processing Fee<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/unicreds.com\/blog\/axis-bank-vs-bank-of-baroda\/#Maximum_Loan_Amount\" >Maximum Loan Amount<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/unicreds.com\/blog\/axis-bank-vs-bank-of-baroda\/#Moratorium_Period\" >Moratorium Period<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/unicreds.com\/blog\/axis-bank-vs-bank-of-baroda\/#Margin_Money_Charged\" >Margin Money Charged<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/unicreds.com\/blog\/axis-bank-vs-bank-of-baroda\/#Repayment_Terms\" >Repayment Terms<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/unicreds.com\/blog\/axis-bank-vs-bank-of-baroda\/#Types_Of_Collateral\" >Types Of Collateral<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/unicreds.com\/blog\/axis-bank-vs-bank-of-baroda\/#Countries_Each_Bank_Caters_To\" >Countries Each Bank Caters To<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/unicreds.com\/blog\/axis-bank-vs-bank-of-baroda\/#Which_Of_The_Two_Is_UniCreds_Partner\" >Which Of The Two Is UniCreds&#8217; Partner?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/unicreds.com\/blog\/axis-bank-vs-bank-of-baroda\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\n<div id=\"bsf_rt_marker\"><\/div>\n<p><\/p>\n\n\n\n<p>Axis Bank is a renowned private bank that serves clients in India and other countries. The Bank of Baroda is among the top public banks in India, if not the top. Among the products that these two banks offer are education loans that help students pursue their academic goals abroad. So, between Axis Bank vs Bank of Baroda, which bank should you source funds from and which provides value for money?<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>&nbsp;Particular<\/strong><\/td><td><strong>Bank Of Baroda Student Loan<\/strong><\/td><td><strong>Axis Bank Student Loan<\/strong><\/td><\/tr><tr><td>Interest Rates<\/td><td>8.5% &#8211; 13.7%<\/td><td>From 8% &#8211; 16%<\/td><\/tr><tr><td>Maximum Loan Amount<\/td><td>Up to Rs. 150 lakh<\/td><td>Up to Rs. 50 lakh<\/td><\/tr><tr><td>Moratorium Period<\/td><td>Course period + 3 &#8211; 12 Months<\/td><td>Course period + 6 &#8211; 12 Months<\/td><\/tr><tr><td>Repayment Terms<\/td><td>10 \u2013 15 years<\/td><td>Up to 15 years<\/td><\/tr><tr><td>Margin Money Charged<\/td><td>Up to 15%<\/td><td>Up to 15%<\/td><\/tr><tr><td>Processing Fees<\/td><td>Up to 1% of the loan amount<\/td><td>Up to 2% of the loan amount<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Eligibility_Criteria\"><\/span><strong>Eligibility Criteria<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>There are specific qualifications that you must meet to get education loans. These requirements ensure you meet the minimum cut and differentiate yourself from other applicants. While there might be specific eligibility criteria for the Bank of Baroda vs Axis Bank <a href=\"https:\/\/unicreds.com\/abroad-education-loan\" target=\"_blank\" rel=\"noopener\">abroad education loan<\/a>, general ones apply.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div style=\"text-align: center;\"><button style=\"background-color: #289048; color: white; border: none; padding: 10px 20px; border-radius: 5px; font-size: 18px; font-weight: bold;\"> <a style=\"text-decoration: none; color: white;\" href=\"https:\/\/unicreds.com\/check-your-loan-eligibility?utm_source=uc-blog&amp;utm_medium=organic&amp;utm_campaign=loan-eligibility-button\" target=\"_blank\" rel=\"noopener\">Check your Loan Eligibility<\/a> <\/button><\/div>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Bank<\/strong><\/td><td><strong>Eligibility Criteria<\/strong><\/td><\/tr><tr><td>Bank Of Baroda<\/td><td>-Must be an Indian citizen<br>-Must have secured admission to professional\/technical courses or in The Executive Development Programmes offered by premier institutions abroad<br>-Must be and should remain gainfully employed (not mandatory for all loans)<\/td><\/tr><tr><td>Axis Bank<\/td><td>-Must be residing in India<br>-Must have attained and graduated with a min. of 50% in H.S.C.<br>-Must have a co-applicant, e.g., parent\/guardian<br>-Must be pursuing a graduate or postgraduate course level<br>-Must have acquired admission in a career-focused course<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Interest_Rates\"><\/span><strong>Interest Rates<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<p>Interest rates determine the earnings the lender will get from your loan. This can be calculated using an <a href=\"https:\/\/unicreds.com\/tools\/education-loan-emi-calculator\" target=\"_blank\" rel=\"noreferrer noopener\">education loan EMI calculator<\/a>. The final interest rate you&#8217;ll get for the amount you&#8217;ve inquired about will also determine which bank is best, Axis Bank or Bank of Baroda.<\/p>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Bank<\/strong><\/td><td><strong>Interest Rates<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/unicreds.com\/partners\/axis-bank\" target=\"_blank\" rel=\"noreferrer noopener\">Axis Bank<\/a><\/td><td>8% &#8211; 16%<\/td><\/tr><tr><td><a href=\"https:\/\/unicreds.com\/partners\/bank-of-baroda\" target=\"_blank\" rel=\"noreferrer noopener\">Bank of Baroda<\/a><\/td><td>8.5% &#8211; 12.2%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Interest rates can also be the determining factor of whether a student can facilitate their <a href=\"https:\/\/unicreds.com\/blog\/student-loan-repayment\">student loan repayment<\/a>. Negotiating and landing the best deal is essential, and that&#8217;s where uniCreds comes in.<\/p>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Processing_Fee\"><\/span><strong>Processing Fee<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<p>To get your education loan processed, you must pay a facilitation fee to cater for various loan elements. The costs involved help cover all loopholes and document the loan according to what the two parties have agreed on. Processing fees are different between Bank of Baroda and Axis Bank.<\/p>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Bank<\/strong><\/td><td><strong>Processing Fees<\/strong><\/td><\/tr><tr><td>Axis Bank<\/td><td>Up to 2% of the Loan Amount plus G.S.T. W.E.F.<\/td><\/tr><tr><td>Bank of Baroda<\/td><td>-Up to Rs.7.50 Lakh: NIL-Up to 1% of the Loan Amount (refundable upon the first loan disbursement)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Maximum_Loan_Amount\"><\/span><strong>Maximum Loan Amount<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<p>The maximum loan amount between Bank of Baroda and Axis Bank can significantly differ. Public banks are known to have more resources and often offer more amounts, although that depends on the financial institution. However, Bank of Baroda education loans for students are known to have the highest maximum loan amounts.<\/p>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Bank<\/strong><\/td><td><strong>Maximum Loan Amount<\/strong><\/td><\/tr><tr><td>Axis Bank<\/td><td>Up to Rs. 50 lakh<\/td><\/tr><tr><td>Bank of Baroda<\/td><td>Up to Rs. 150 lakh<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Moratorium_Period\"><\/span><strong>Moratorium Period<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<p><a href=\"https:\/\/unicreds.com\/blog\/moratorium-period-in-education-loan\">An education loan moratorium period<\/a> is the grace period a bank allows before they start expecting payments from the borrower. This period allows for preparing and gathering funds through employment or savings to start making payments. Some banks have longer, others shorter, and this can be crucial in choosing Axis Bank or B.O.B., which is better.<\/p>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Bank<\/strong><\/td><td><strong>Moratorium Period<\/strong><\/td><\/tr><tr><td>Axis Bank<\/td><td>Course period + 6 to12 Months<\/td><\/tr><tr><td>Bank of Baroda<\/td><td>Course period + 3 to 12 Months<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>However, you can start paying earlier if you can in particular cases.&nbsp;<\/p>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Margin_Money_Charged\"><\/span><strong>Margin Money Charged<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<p>Margin money is cash you must pay upfront to facilitate your education loan. This downpayment for the Bank of Baroda vs Axis Bank abroad education loan certifies your ability to pay up and acts as your first principal. It is crucial for unsecured loans.<\/p>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Bank<\/strong><\/td><td><strong>Margin Money Charged<\/strong><\/td><\/tr><tr><td>Axis Bank<\/td><td>Up to 15%<\/td><\/tr><tr><td>Bank of Baroda<\/td><td>Up to 15%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Repayment_Terms\"><\/span><strong>Repayment Terms<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<p>Repayment terms are defined timelines that borrowers have to clear their education loans. The amount of the loan and interest rates often determine this. Some loans take less time to pay, and others require more time to clear.<\/p>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Bank<\/strong><\/td><td><strong>Repayment Terms<\/strong><\/td><\/tr><tr><td>Axis Bank<\/td><td>Up to 15 years<\/td><\/tr><tr><td>Bank of Baroda<\/td><td>Maximum 10-15 years<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>The longer the repayment term, the fewer instalments you&#8217;ll pay monthly.<\/p>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<div style=\"text-align: center;\"><button style=\"background-color: #289048; color: white; border: none; padding: 10px 20px; border-radius: 5px; font-size: 18px; font-weight: bold;\"> <a style=\"text-decoration: none; color: white;\" href=\"https:\/\/unicreds.com\/get-expert-advice?utm_source=uc-blog&amp;utm_medium=organic&amp;utm_campaign=help-me-get-abroad-education-loan-button\" target=\"_blank\" rel=\"noopener\">Help me get Abroad Education Loan<\/a> <\/button><\/div>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Types_Of_Collateral\"><\/span><strong>Types Of Collateral<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<p>Axis Bank education loans are known to give both secured and unsecured loans. Bank of Baroda offers fast loans. All secured loans require collateral to back up the loan amount given, and often, there are terms to that depending on the loan amount. Collateral can either be in the form of tangible or intangible assets.<\/p>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Bank<\/strong><\/td><td><strong>Types of Collateral<\/strong><\/td><\/tr><tr><td>Axis Bank<\/td><td>Not specified<\/td><\/tr><tr><td>Bank of Baroda<\/td><td>-Non-collateral\/co-obligation of a parent for lower amounts<br>-Collateral security of 100% of the loan for average loan amounts<br>-Total security coverage should be 1.25 times the loan for higher loan amounts<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Countries_Each_Bank_Caters_To\"><\/span><strong>Countries Each Bank Caters To<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<p>Axis Bank vs Bank of Baroda is a battle of internationally recognised banks. These banks have several branches globally, and students can get access to the services required. However, some benefits might be biased toward Indian citizens due to the nature of their requirements.<\/p>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Bank<\/strong><\/td><td><strong>Countries\/States Covered<\/strong><\/td><\/tr><tr><td>Axis Bank<\/td><td>Singapore, Hong Kong, Dubai, Shanghai, and Colombo<\/td><\/tr><tr><td>Bank of Baroda<\/td><td>Australia, Malaysia, Thailand, United States, United Kingdom, United Arab Emirates, Zambia, Uganda, Kenya, Tanzania, New Zealand, Botswana, Oman, Singapore, Seychelles, South Africa, Mauritius, Fiji Islands, and Belgium.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Which_Of_The_Two_Is_UniCreds_Partner\"><\/span><strong>Which Of The Two Is UniCreds&#8217; Partner?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<p>UniCreds works with the Bank of Baroda, but upon inquiry, we can still help you get an education loan with Axis Bank.<\/p>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span><strong>FAQs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-heading\"><strong>Which Bank Is Better, Bank Of Baroda Or Axis Bank?<\/strong><\/p>\n\n\n\n<p>Bank of Baroda is better in various aspects.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"wp-block-heading\"><strong>Which Bank Offers Better Interest Rates For Education Loans, Bank Of Baroda Or Axis Bank?<\/strong><\/p>\n\n\n\n<p>Both offer similar interest rates, but Axis Bank is on the higher end.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"wp-block-heading\"><strong>Can You Compare The Processing Fees For Education Loans At Bank Of Baroda And Axis Bank?<\/strong><\/p>\n\n\n\n<p>BoB have lower processing fees compared to Axis Bank.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"wp-block-heading\"><strong>What Is The Maximum Loan Amount Offered By Bank Of Baroda And Axis Banks For Education Purposes?<\/strong><\/p>\n\n\n\n<p>Bank of Baroda has a maximum loan amount of Rs. 150 lakh, while Axis Bank offers up to Rs. 50 lakh.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"wp-block-heading\"><strong>Are There Any Specific Eligibility Criteria That Differ Between Bank Of Baroda And Axis Bank Education Loans?<\/strong><\/p>\n\n\n\n<p>Eligibility criteria are almost the same for both banks.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"wp-block-heading\"><strong>How Do The Repayment Terms Vary Between Bank Of Baroda And Axis Bank Education Loans?<\/strong><\/p>\n\n\n\n<p>All repayment terms are up to 15 years.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Axis Bank is a renowned private bank that serves clients in India and other countries. The Bank of Baroda is among the top public banks in India, if not the top. Among the products that these two banks offer are education loans that help students pursue their academic goals abroad. So, between Axis Bank vs [&hellip;]<\/p>\n","protected":false},"author":74,"featured_media":32444,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[2578],"tags":[2853,2847,2851,2842,2849,2850,32,2846,2844],"class_list":["post-32509","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-student-loan","tag-australia","tag-canada","tag-france","tag-germany","tag-ireland","tag-new-zealand","tag-student-loan","tag-uk","tag-usa"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Axis Bank Vs Bank Of Baroda: Know Key Differences! - UniCreds Blog<\/title>\n<meta name=\"description\" content=\"Axis Bank Vs Bank Of Baroda: Know these top players from the education loan sector and their differences in the loan process!\" 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