Vidyavahini Loan
Make your dreams come true

Want to study further, but financial condition doesn’t permit you?

Don’t worry, Bharat Bank offers Vidyavahini Loans for studying in India and abroad with quick approval, lowest interest rates and minimal documentation.

Are you eligible for a Vidyavahini Loan?

Any Student (if major) – along with parents / Guardian – As Joint Applicants.

What is the maximum amount I can borrow for a Vidyavahini loan?

Rs.75.00 Lakh is the maximum amount.

In how many years can I repay the Vidyavahini loan amount?

180 Months Maximum (Inclusive of Gestation Period i.e. Duration of the Course + 1 Year).

What kind of security is required?

Mortgage of Immoveable Property.

What is the purpose of the Vidyavahini loan?

To meet the cost of higher education/professional qualification from recognised Universities/Institutions.

What is the margin for Vidyavahini loans?

The margin for Vidyavahini loans is

  • Nil upto the Loan Amount of Rs.4,00,000/-
  • 5% above Loan Amount of Rs.4,00,000/- and upto Rs.7,50,000/- for Studies in India AND 15% for Studies Abroad.
  • 15% above Loan Amount of Rs.7,50,000/- in case of Studies in India
  • 20% above the Loan Amount of Rs.7,50,000/- in case of Studies Abroad.
Note : The Applicant shall infuse the Margin on year to year basis as and when disbursements are made on pro-rata basis.