{"id":32751,"date":"2024-04-01T16:28:46","date_gmt":"2024-04-01T10:58:46","guid":{"rendered":"https:\/\/test-blog.unicreds.com\/blog\/?p=32751"},"modified":"2025-11-26T10:26:56","modified_gmt":"2025-11-26T04:56:56","slug":"bank-of-baroda-vs-bank-of-maharashtra","status":"publish","type":"post","link":"https:\/\/unicreds.com\/blog\/bank-of-baroda-vs-bank-of-maharashtra\/","title":{"rendered":"Bank Of Baroda Vs. Bank Of Maharashtra: Key Differences!\u00a0"},"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\/bank-of-baroda-vs-bank-of-maharashtra\/#Difference_Between_Bank_Of_Baroda_And_Bank_Of_Maharashtra\" >Difference Between Bank Of Baroda And Bank Of Maharashtra<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/unicreds.com\/blog\/bank-of-baroda-vs-bank-of-maharashtra\/#Eligibility_Criteria_For_Bank_of_Baroda_Vs_Bank_Of_Maharashtra_Abroad_Education_Loan\" >Eligibility Criteria For Bank of Baroda Vs Bank Of Maharashtra Abroad Education Loan&nbsp;<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/unicreds.com\/blog\/bank-of-baroda-vs-bank-of-maharashtra\/#Documents_Required_For_Bank_Of_Baroda_Vs_Bank_Of_Maharashtra_Education_Loan\" >Documents Required For Bank Of Baroda Vs Bank Of Maharashtra Education Loan&nbsp;<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/unicreds.com\/blog\/bank-of-baroda-vs-bank-of-maharashtra\/#Application_Process_For_Bank_of_Baroda_Bank_of_Maharashtra_Education_Loans_Through_UniCreds\" >Application Process For Bank of Baroda &amp; Bank of Maharashtra Education Loans Through UniCreds&nbsp;<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/unicreds.com\/blog\/bank-of-baroda-vs-bank-of-maharashtra\/#Bank_of_Baroda_Vs_Bank_Of_Maharashtra_Education_Loan_Repayments\" >Bank of Baroda Vs. Bank Of Maharashtra Education Loan Repayments<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/unicreds.com\/blog\/bank-of-baroda-vs-bank-of-maharashtra\/#Which_Bank_Is_Best_Bank_Of_Maharashtra_Or_Bank_Of_Baroda\" >Which Bank Is Best? Bank Of Maharashtra Or Bank Of Baroda?&nbsp;<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/unicreds.com\/blog\/bank-of-baroda-vs-bank-of-maharashtra\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\n<div id=\"bsf_rt_marker\"><\/div>\n<p><\/p>\n\n\n\n<p>Bank of Baroda has disbursed over Rs. 25000 crores&#8217; worth of education loans till date. On the other hand, Bank of Maharashtra, a prominent state-owned bank, has over 29 million customers using its financial services. Both the banks have established their significance in the banking sector and are a perfect fit for your study abroad financial requirements. This blog compares the Bank of Baroda Vs. Bank of Maharashtra education loans in detail, taking you through their interest rates, eligibility, loan amounts and much more!&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Difference_Between_Bank_Of_Baroda_And_Bank_Of_Maharashtra\"><\/span><strong>Difference Between Bank Of Baroda And Bank Of Maharashtra<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>The <a href=\"https:\/\/unicreds.com\/partners\/bank-of-baroda\" target=\"_blank\" rel=\"noopener\">Bank of Baroda education loan<\/a> has a special scheme for students studying abroad, called the \u2018Baroda Scholars Education Loan\u2019 This loan provides an end-to-end financial package for studying abroad, covering everything from tuition fees to travel expenses.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Whereas, Bank of Maharashtra education loan funds up to INR 20 Lakhs for studying abroad. The amount can be increased if your application is strong, with a great credit score, admission in top universities, etc.<\/p>\n\n\n\n<p>Let\u2019s look at the important key features of the Bank of Baroda and Bank of Maharashtra, in the table given below:&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Key Features<\/strong><\/td><td><strong>Bank of Baroda<\/strong><\/td><td><strong>Bank of Maharashtra&nbsp;<\/strong><\/td><\/tr><tr><td>Loan Upper Limit<\/td><td>&nbsp; INR 1.5 Cr.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/td><td>INR 20 Lakhs<\/td><\/tr><tr><td>Interest Rates<\/td><td>10-11%<\/td><td>Up to INR 7.5 Lakhs &#8211; 11.30%<br>More than INR 7.5 Lakhs &#8211; 10.95%<\/td><\/tr><tr><td>Processing Fees<\/td><td>1% of the total loan amount<\/td><td>0.50% (refundable)<\/td><\/tr><tr><td>Margin Money&nbsp;<\/td><td>0-15%<\/td><td>Nil for up to INR 4 Lakhs and 15% of the loan amount above INR 4 Lakhs<\/td><\/tr><tr><td>Moratorium Period<\/td><td>Course duration + 12 months<\/td><td>Course years + 1 year<\/td><\/tr><tr><td>Repayment Period<\/td><td>10 &#8211; 15 years<\/td><td>Up to 15 years<\/td><\/tr><tr><td>Collateral Requirement<\/td><td>Residential property, investment, bonds, agricultural land, etc.&nbsp;<\/td><td>No collateral is required for up to INR 7.5 Lakhs<br>Collateral security of value equals 100% loan amount required for amounts more than INR 7.5 Lakhs, excluding the margin money<\/td><\/tr><tr><td>Co-applicants<\/td><td>Parents\/Legal guardian<\/td><td>Parents\/Legal guardian<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Eligibility_Criteria_For_Bank_of_Baroda_Vs_Bank_Of_Maharashtra_Abroad_Education_Loan\"><\/span><strong>Eligibility Criteria For Bank of Baroda Vs Bank Of Maharashtra Abroad Education Loan&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<p>The eligibility criteria for the Bank of Baroda Vs. Bank of Maharashtra Education Loans vary in some or the other way. Let\u2019s see how in the table below:&nbsp;<\/p>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Bank of Baroda Education Loan Eligibility<\/strong><\/td><td><strong>Bank of Maharashtra Education Loan Eligibility<\/strong><\/td><\/tr><tr><td>Students should be Indian citizens.<\/td><td>The student should be an Indian national<\/td><\/tr><tr><td>Entrance tests\/merit-based selection should have been used to ensure admission to professional\/technical courses abroad.<\/td><td>The student must secure admission by entrance test.&nbsp;<\/td><\/tr><tr><td>Co-applicant should have a stable income.<\/td><td>The student must have a minimum of 50% marks in the last qualifying exam.&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Documents_Required_For_Bank_Of_Baroda_Vs_Bank_Of_Maharashtra_Education_Loan\"><\/span><strong>Documents Required For Bank Of Baroda Vs Bank Of Maharashtra Education Loan&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<p>It&#8217;s important to understand the list of required documents for the Bank Of Baroda Vs. Bank of Maharashtra education loans. This saves a lot of time during your application process. Given below is the general list of documents required:&nbsp;<\/p>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Document<\/strong><\/td><td><strong>Description<\/strong><\/td><\/tr><tr><td>Proof of Identity<\/td><td>ID card, passport, or driver&#8217;s licence.<\/td><\/tr><tr><td>Proof of Residence<\/td><td>Utility bill or rental agreement.<\/td><\/tr><tr><td>Proof of Admission<\/td><td>Admission letter from the educational institution.<\/td><\/tr><tr><td>Academic Records<\/td><td>Transcripts or mark sheets.<\/td><\/tr><tr><td>Income Proof<\/td><td>Payslips or income tax returns.<\/td><\/tr><tr><td>Co-borrower Information<\/td><td>ID and income proof of co-borrower (if applicable).<\/td><\/tr><tr><td>Collateral Documents<\/td><td>Property documents (if loan is secured).<\/td><\/tr><tr><td>Loan Application Form<\/td><td>Official form provided by the lender.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Application_Process_For_Bank_of_Baroda_Bank_of_Maharashtra_Education_Loans_Through_UniCreds\"><\/span><strong>Application Process For Bank of Baroda &amp; Bank of Maharashtra Education Loans Through UniCreds&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<p>Why juggle between the banks for education loans when <a href=\"https:\/\/unicreds.com\" target=\"_blank\" rel=\"noreferrer noopener\">UniCreds<\/a> is here? UniCreds has partnered with many top financial institutions in India, including Bank of Baroda, to provide you with the best deal on <a href=\"https:\/\/unicreds.com\/abroad-education-loan\" target=\"_blank\" rel=\"noreferrer noopener\">abroad education loan<\/a>. Follow the step below:\u00a0<\/p>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Step 1: <\/strong>Fill up the basic contact details form on our website.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Step 2: <\/strong>Get a call from our loan experts. Our loan experts will understand your loan requirements in detail, for example, the loan amount you need, the collateral type you are ready to pledge or if there is no collateral available, etc.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Step 3:<\/strong> We will get back to you with the customised loan options from different banks. We even negotiate loan rates for you using our strategic partnerships with the banks.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Step 4:<\/strong> Once you have finalised your lender, we then provide you with a customised loan documents list based on your eligibility.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Step 5: <\/strong>Lastly, you just have to submit the documents online and wait worry-free for your loan to get approved!&nbsp;&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bank_of_Baroda_Vs_Bank_Of_Maharashtra_Education_Loan_Repayments\"><\/span><strong>Bank of Baroda Vs. Bank Of Maharashtra Education Loan Repayments<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<p>Bank of Baroda and Bank of Maharashtra have different loan repayment tenures, hence their loan repayment terms differ. Given below are the repayment terms for each bank:&nbsp;<\/p>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Bank of Baroda Student Loan Repayment<\/strong><\/h3>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<p>Given below are the loan repayment terms of the Bank of Baroda Education loan:&nbsp;<\/p>\n\n\n\n<p><strong>Moratorium period: <\/strong>The moratorium period of Bank of Baroda education loan spans course duration + 1 year.&nbsp;<\/p>\n\n\n\n<p><strong>Repayment Period:<\/strong> The loan repayment needs to be covered in 10-15 years.&nbsp;<\/p>\n\n\n\n<p>Bank of Baroda charges no prepayment penalty and provides a flexible repayment plan. The bank also provides flexible repayment options like EMIs, auto debit system, etc.&nbsp;<\/p>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Bank of Maharashtra Education Loan Repayment<\/strong><\/h3>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<p>Go through the Bank of Maharashtra Education loan repayment plan given below:&nbsp;<\/p>\n\n\n\n<p><strong>Moratorium Period: <\/strong>The moratorium period is of course period+1 year grace period.&nbsp;<\/p>\n\n\n\n<p><strong>Repayment Period: <\/strong>The repayment period extends up to 1 year.&nbsp;<\/p>\n\n\n\n<p>Bank of Maharashtra also offers flexible repayment options like EMIs, auto debit system etc.&nbsp;<\/p>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Which_Bank_Is_Best_Bank_Of_Maharashtra_Or_Bank_Of_Baroda\"><\/span><strong>Which Bank Is Best? Bank Of Maharashtra Or Bank Of Baroda?&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<p>Choosing between the Bank of Baroda and Bank of Maharashtra for an education loan depends on individual preferences and circumstances. Bank of Baroda offers higher loan limits and a special scheme for studying abroad, while Bank of Maharashtra may have slightly lower interest rates and processing fees. Additionally, Bank of Maharashtra&#8217;s eligibility criteria may be slightly more relaxed. However, both banks offer competitive repayment options and have their own advantages. Ultimately, applicants should compare the specific features and terms of each loan to determine which best suits their needs and financial situation.<\/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>Q1. Which bank is better: Bank of Maharashtra or BOB?<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>The better bank depends on individual needs, but the Bank of Baroda (BOB) offers higher loan limits and margin money options, while Bank of Maharashtra may have lower interest rates and processing fees.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"wp-block-heading\"><strong>Q2. Which bank offers better interest rates for education loans, Bank of Baroda or Bank of Maharashtra?<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Bank of Baroda offers better interest rates for education loans, with rates ranging from 10 to 11%, compared to Bank of Maharashtra&#8217;s rates of up to 11.30% for loans up to INR 7.5 lakhs and 10.95% for loans exceeding that amount.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"wp-block-heading\"><strong>Q3. Can you compare the processing fees for education loans at the Bank of Baroda and Bank of Maharashtra?<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Bank of Baroda charges a processing fee of 1% of the total loan amount, while Bank of Maharashtra charges a lower fee of 0.50% (refundable), making Bank of Maharashtra&#8217;s processing fees more competitive.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"wp-block-heading\"><strong>Q4. What is the maximum loan amount offered by the Bank of Baroda and Bank of Maharashtra for education purposes?<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Bank of Baroda offers a maximum loan amount of INR 1.5 crore for education purposes, whereas Bank of Maharashtra offers a maximum loan amount of INR 20 lakhs.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"wp-block-heading\"><strong>Q5. Are there any specific eligibility criteria that differ between the Bank of Baroda and Bank of Maharashtra education loans?<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Both the banks approve loans based on academic credit and co-applicant\u2019s stable income.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"wp-block-heading\"><strong>Q6. How do the repayment terms vary between the Bank of Baroda and Bank of Maharashtra education loans?<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Bank of Baroda offers a repayment period of 10-15 years, while Bank of Maharashtra offers a repayment period of up to 15 years.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bank of Baroda has disbursed over Rs. 25000 crores&#8217; worth of education loans till date. On the other hand, Bank of Maharashtra, a prominent state-owned bank, has over 29 million customers using its financial services. Both the banks have established their significance in the banking sector and are a perfect fit for your study abroad [&hellip;]<\/p>\n","protected":false},"author":91,"featured_media":32754,"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-32751","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>Bank Of Baroda Vs. Bank Of Maharashtra: Key Differences!\u00a0 - UniCreds Blog<\/title>\n<meta name=\"description\" content=\"Explore the differences between Bank of Baroda vs Bank of Maharashtra in our comprehensive comparison blog. 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