{"id":32608,"date":"2024-03-15T23:39:21","date_gmt":"2024-03-15T18:09:21","guid":{"rendered":"https:\/\/test-blog.unicreds.com\/blog\/?p=32608"},"modified":"2025-09-29T19:44:46","modified_gmt":"2025-09-29T14:14:46","slug":"icici-vs-bank-of-baroda","status":"publish","type":"post","link":"https:\/\/unicreds.com\/blog\/icici-vs-bank-of-baroda\/","title":{"rendered":"ICICI Vs. Bank Of Baroda Education Loan: Key Comparisons"},"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\/icici-vs-bank-of-baroda\/#Key_Differences_Between_Bank_of_Baroda_ICICI\" >Key Differences Between Bank of Baroda &amp; ICICI&nbsp;<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/unicreds.com\/blog\/icici-vs-bank-of-baroda\/#Eligibility_Criteria_For_ICICI_Vs_Bank_of_Baroda_Education_Loan\" >Eligibility Criteria For ICICI Vs. Bank of Baroda Education Loan<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/unicreds.com\/blog\/icici-vs-bank-of-baroda\/#Documents_Required_For_ICICI_Bank_Bank_of_Baroda_Education_Loan\" >Documents Required For ICICI Bank &amp; Bank of Baroda Education Loan<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/unicreds.com\/blog\/icici-vs-bank-of-baroda\/#Application_Process_For_Bank_of_Baroda_and_ICICI_Education_Loan_Through_UniCreds\" >Application Process For Bank of Baroda and ICICI Education Loan Through UniCreds:<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/unicreds.com\/blog\/icici-vs-bank-of-baroda\/#Bank_Of_Baroda_Vs_ICICI_Bank_Education_Loan_Repayment_Process\" >Bank Of Baroda Vs. ICICI Bank Education Loan Repayment Process<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/unicreds.com\/blog\/icici-vs-bank-of-baroda\/#Bank_Of_Baroda_Or_ICICI_Which_Is_Better\" >Bank Of Baroda Or ICICI Which Is Better?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/unicreds.com\/blog\/icici-vs-bank-of-baroda\/#FAQs\" >FAQs&nbsp;<\/a><\/li><\/ul><\/nav><\/div>\n<div id=\"bsf_rt_marker\"><\/div>\n<p><\/p>\n\n\n\n<p>Getting a higher education degree is expensive these days. Many students rely on education loans from banks like ICICI Bank and Bank of Baroda to help pay for their studies. However, choosing between the different education loan offerings from these banks can be tricky. In this blog post, we&#8217;ll compare the key features of the education loans provided by ICICI Vs. Bank of Baroda. We&#8217;ll look at the interest rates, eligibility requirements, repayment options, and any special benefits or services offered by each. By understanding the pros and cons of each loan, you can decide which one is the best fit for financing your education expenses.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Key_Differences_Between_Bank_of_Baroda_ICICI\"><\/span><strong>Key Differences Between Bank of Baroda &amp; ICICI&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>One of India&#8217;s prominent private banks, ICICI Bank, extends substantial educational loans to Indian students who have secured admissions to recognised institutions abroad. The <a href=\"https:\/\/unicreds.com\/partners\/icici-bank\" target=\"_blank\" rel=\"noopener\">ICICI Bank Education Loan<\/a> facilitates a convenient online application process for these loans, offering collateral-free options and competitive interest rates.&nbsp;<\/p>\n\n\n\n<p>Whereas, the Baroda Scholar Education Loan, offered by the Bank of Baroda, is an exclusive scheme tailored to aid students undertaking advanced studies at renowned international universities. In the table given below, let\u2019s compare the key features of both ICICI Vs. <a href=\"https:\/\/unicreds.com\/partners\/bank-of-baroda\" target=\"_blank\" rel=\"noopener\">Bank of Baroda education loan<\/a> to understand which one is better:<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\" colspan=\"3\"><strong>ICICI Vs. Bank of Baroda Overview<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Key Features<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>ICICI Bank<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Bank of Baroda<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Upper Loan Limit<\/td><td class=\"has-text-align-center\" data-align=\"center\">Rs. 1.5 Crores&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">Rs. 1.5 Crores<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Interest Rates<\/td><td class=\"has-text-align-center\" data-align=\"center\">9.85 -12%<\/td><td class=\"has-text-align-center\" data-align=\"center\">9.7 &#8211; 10.2%\u00a0<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Processing Fees<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to 2%&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">1% of the loan amount<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Moratorium Period<\/td><td class=\"has-text-align-center\" data-align=\"center\">Course period + Up to 12 months grace period<\/td><td class=\"has-text-align-center\" data-align=\"center\">Course period + 1 year<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Repayment Period<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to 10\/12 years for undergraduate&nbsp;Up to 12\/14 years for postgraduate<\/td><td class=\"has-text-align-center\" data-align=\"center\">10-15 years<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Tax benefits<\/td><td class=\"has-text-align-center\" data-align=\"center\">Section 80E<\/td><td class=\"has-text-align-center\" data-align=\"center\">NA<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Co-applicant option<\/td><td class=\"has-text-align-center\" data-align=\"center\">Parents, siblings, or guardians<\/td><td class=\"has-text-align-center\" data-align=\"center\">Parents, siblings, or guardians<\/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_For_ICICI_Vs_Bank_of_Baroda_Education_Loan\"><\/span><strong>Eligibility Criteria For ICICI Vs. Bank of Baroda Education Loan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Understanding the eligibility criteria for the Bank of Baroda and ICICI is important to apply seamlessly. . We have mentioned below the eligibility criteria for ICICI Bank Vs. Bank of Baroda in the table given below, for you to compare according to your suitability:\u00a0<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Criteria<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>ICICI Bank<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Bank of Baroda<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Nationality<\/td><td class=\"has-text-align-center\" data-align=\"center\">Indian Resident<\/td><td class=\"has-text-align-center\" data-align=\"center\">Indian Citizen<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Age<\/td><td class=\"has-text-align-center\" data-align=\"center\">18 &#8211; 35 years<\/td><td class=\"has-text-align-center\" data-align=\"center\">Minimum 18 years<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Education<\/td><td class=\"has-text-align-center\" data-align=\"center\">Secured admission to recognised university\/diploma course\/college<\/td><td class=\"has-text-align-center\" data-align=\"center\">Secured admission to a recognised university for professional or technical course<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Selection Process<\/td><td class=\"has-text-align-center\" data-align=\"center\">Entrance test\/merit-based admission<\/td><td class=\"has-text-align-center\" data-align=\"center\">Merit\/entrance-based selection process<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Academic Record<\/td><td class=\"has-text-align-center\" data-align=\"center\">Not explicitly mentioned<\/td><td class=\"has-text-align-center\" data-align=\"center\">Consistently good academic record<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Co-applicant<\/td><td class=\"has-text-align-center\" data-align=\"center\">Parents\/guardian (mandatory)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Parents\/guardian\/sibling\/guarantor<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Course Type<\/td><td class=\"has-text-align-center\" data-align=\"center\">Under-graduation, Post-graduation, Professional Courses (India &amp; Abroad)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Under-graduation, Post-graduation, Professional Courses (India &amp; Abroad)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Premier Institutes<\/td><td class=\"has-text-align-center\" data-align=\"center\">Nil margin for loan (may vary)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Better loan terms for courses in approved institutes<\/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=\"Documents_Required_For_ICICI_Bank_Bank_of_Baroda_Education_Loan\"><\/span><strong>Documents Required For ICICI Bank &amp; Bank of Baroda Education Loan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Documents play a vital role in a faster application process and quicker loan sanctions. Hence, it is important to understand the basic required documents for any education loan, be it collateral or non-collateral, and any bank or NBFCs. Given below are common documents you must gather to take a student loan from ICICI and Bank of Baroda:<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Document<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Description<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Proof of Admission<\/td><td class=\"has-text-align-center\" data-align=\"center\">Admission letter from the educational institution<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Identity Proof<\/td><td class=\"has-text-align-center\" data-align=\"center\">Aadhaar card, passport, or voter ID<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Address Proof<\/td><td class=\"has-text-align-center\" data-align=\"center\">Utility bills, rental agreements, or an Aadhaar card<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Academic Records<\/td><td class=\"has-text-align-center\" data-align=\"center\">Mark sheets and certificates of previous qualifications<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Income Proof<\/td><td class=\"has-text-align-center\" data-align=\"center\">Income tax returns, salary slips, or bank statements<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Collateral Documents<\/td><td class=\"has-text-align-center\" data-align=\"center\">Documents related to the collateral being offered<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Loan Application Form<\/td><td class=\"has-text-align-center\" data-align=\"center\">Form to be filled out with accurate information<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Passport-size Photos<\/td><td class=\"has-text-align-center\" data-align=\"center\">Recent photographs for documentation purposes<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Additional Documents<\/td><td class=\"has-text-align-center\" data-align=\"center\">Any other specific documents required by the lender<\/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=\"Application_Process_For_Bank_of_Baroda_and_ICICI_Education_Loan_Through_UniCreds\"><\/span><strong>Application Process For Bank of Baroda and ICICI Education Loan Through UniCreds:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Are you finding it challenging to decide between ICICI Bank and Bank of Baroda for your education loan? UniCreds provides tailored assistance to assist you in selecting the most suitable loan option that matches your requirements. Follow these straightforward steps to initiate your application through UniCreds:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Step 1:<\/strong> Start by visiting our website and completing the inquiry form with your details.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Step 2:<\/strong> Our specialists will then get in touch with you to discuss your specific requirements and priorities.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Step 3:<\/strong> Submit the necessary documents as instructed to enable a thorough assessment of your eligibility.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Step 4: <\/strong>Based on the evaluation, we&#8217;ll recommend the most suitable education loan scheme, either from the ICICI Bank or the Bank of Baroda.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Step 5: <\/strong>Once you&#8217;ve chosen the loan, we&#8217;ll forward your application for processing.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Step 6:<\/strong> Our advisors will maintain regular communication with the bank to expedite the approval and disbursement process.<\/li>\n<\/ul>\n\n\n\n<p>It is important to understand that both banks provide collateral and non-collateral loans. Hence, it&#8217;s important to have the documents of different types of collateral that you will be keeping with the bank.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bank_Of_Baroda_Vs_ICICI_Bank_Education_Loan_Repayment_Process\"><\/span><strong>Bank Of Baroda Vs. ICICI Bank Education Loan Repayment Process<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Bank of Baroda and ICICI provide flexible repayment options for their education loans, ensuring borrowers can comfortably manage their EMIs post-graduation. Here&#8217;s an overview of their repayment terms:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Moratorium Period In Education Loan:<\/strong> Allows focusing on studies without repayment worries, lasting 6 months for domestic loans and 12 months for international ones.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Education Loan Repayment <\/strong><strong>Tenure:<\/strong> Ranges from 10 to 15 years post the moratorium period for both domestic and international loans.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Repayment Options:<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Equated Monthly Installments (EMIs): <\/strong>Fixed monthly payments of principal plus interest.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Step-up EMIs:<\/strong> Initial low payments gradually increase as income grows.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Prepayment<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>Bank of Baroda and ICICI Bank require no prepayment charges, enabling borrowers to save on education loan interest rates and become debt-free faster.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bank_Of_Baroda_Or_ICICI_Which_Is_Better\"><\/span><strong>Bank Of Baroda Or ICICI Which Is Better?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Both ICICI Bank and the Bank of Baroda offer competitive education loan options for Indian students pursuing higher studies abroad. While the Bank of Baroda may be a better choice for those looking for lower interest rates and processing fees, ICICI Bank provides additional benefits like tax savings and a longer moratorium period. Ultimately, students should carefully evaluate their specific requirements, such as desired interest rates, repayment tenure, and the importance of tax benefits, before deciding which bank&#8217;s education loan best suits their needs. Regardless of the choice, these loans can provide valuable financial support to students seeking to further their academic aspirations on a global scale.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span><strong>FAQs&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Which bank is better, ICICI or BOB?\u00a0<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>Both ICICI and Bank of Baroda have their strengths, with ICICI offering a wider range of services and digital banking solutions, while the Bank of Baroda often provides competitive interest rates and flexible repayment options.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Which bank offers better interest rates for education loans, Bank of Baroda or ICICI?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>Bank of Baroda offers better interest rates for education loans, ranging from 9.7% to 10.2%, compared to ICICI Bank&#8217;s interest rates of 9.85% to 12%.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Can you compare the processing fees for education loans at the Bank of Baroda and ICICI?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>Bank of Baroda charges a flat 1% processing fee on the education loan amount. ICICI Bank charges higher processing fees of up to 2% of the loan amount.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. What is the maximum loan amount offered by the Bank of Baroda and ICICI for education purposes?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>Both Baroda and ICICI Bank offer an upper loan limit of Rs. 1.5 crores for education loans.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5. Are there any specific eligibility criteria that differ between Bank of Baroda and ICICI education loans?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>Bank of Baroda allows broader co-applicants (siblings\/guarantors) and emphasises a good academic record, while ICICI might have stricter co-applicant requirements.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6. How do the repayment terms vary between the Bank of Baroda and ICICI education loans?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>Bank of Baroda offers a longer repayment period of 10-15 years for education loans, while ICICI Bank&#8217;s repayment period is up to 10\/12 years for undergraduate and up to 12\/14 years for postgraduate courses.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Getting a higher education degree is expensive these days. Many students rely on education loans from banks like ICICI Bank and Bank of Baroda to help pay for their studies. However, choosing between the different education loan offerings from these banks can be tricky. In this blog post, we&#8217;ll compare the key features of the [&hellip;]<\/p>\n","protected":false},"author":103,"featured_media":32610,"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":[],"class_list":["post-32608","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-student-loan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>ICICI vs Bank of Baroda: Education Loan Comparison 2025 - UniCreds<\/title>\n<meta name=\"description\" content=\"Compare ICICI and Bank of Baroda education loans interest rates, features, eligibility, and application process to choose the best study abroad funding option.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/unicreds.com\/blog\/icici-vs-bank-of-baroda\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"ICICI vs Bank of Baroda: Education Loan Comparison 2025 - UniCreds\" \/>\n<meta property=\"og:description\" content=\"Compare ICICI and Bank of Baroda education loans interest rates, features, eligibility, and application process to choose the best study abroad funding option.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/unicreds.com\/blog\/icici-vs-bank-of-baroda\/\" \/>\n<meta property=\"og:site_name\" content=\"UniCreds Blog\" \/>\n<meta property=\"article:published_time\" content=\"2024-03-15T18:09:21+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-29T14:14:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2024\/03\/15233622\/university-hat-on-heap-of-money-1.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1080\" \/>\n\t<meta property=\"og:image:height\" content=\"605\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Aparajita\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Aparajita\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/unicreds.com\/blog\/icici-vs-bank-of-baroda\/\",\"url\":\"https:\/\/unicreds.com\/blog\/icici-vs-bank-of-baroda\/\",\"name\":\"ICICI vs Bank of Baroda: Education Loan Comparison 2025 - UniCreds\",\"isPartOf\":{\"@id\":\"https:\/\/unicreds.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/unicreds.com\/blog\/icici-vs-bank-of-baroda\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/unicreds.com\/blog\/icici-vs-bank-of-baroda\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2024\/03\/15233622\/university-hat-on-heap-of-money-1.webp\",\"datePublished\":\"2024-03-15T18:09:21+00:00\",\"dateModified\":\"2025-09-29T14:14:46+00:00\",\"author\":{\"@id\":\"https:\/\/unicreds.com\/blog\/#\/schema\/person\/b2e985c67953e49f014c80f6be04bfbe\"},\"description\":\"Compare ICICI and Bank of Baroda education loans interest rates, features, eligibility, and application process to choose the best study abroad funding option.\",\"breadcrumb\":{\"@id\":\"https:\/\/unicreds.com\/blog\/icici-vs-bank-of-baroda\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/unicreds.com\/blog\/icici-vs-bank-of-baroda\/\"]}],\"hasPart\":[{\"@type\":\"SiteNavigationElement\",\"name\":\"Table of Contents\",\"url\":\"https:\/\/unicreds.com\/blog\/icici-vs-bank-of-baroda\/#ez-toc\",\"position\":1,\"hasPart\":[{\"@type\":\"SiteNavigationElement\",\"name\":\"Key Differences Between Bank of Baroda &amp; ICICI&nbsp;\",\"url\":\"https:\/\/unicreds.com\/blog\/icici-vs-bank-of-baroda\/#key-differences-between-bank-of-baroda-icici\",\"position\":2},{\"@type\":\"SiteNavigationElement\",\"name\":\"Eligibility Criteria For ICICI Vs. 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