Education Loan EMI Calculator India – Plan Repayments Smartly

Know your monthly EMI before you apply. Enter loan amount, rate, tenure, and any moratorium to see EMI, total interest, and total repayment. The tool works for Indian and overseas study loans, so you can budget fees, living costs, and post-study cash flow with fewer surprises.

Calculate Your Eduction Loan EMI

Loan Amount (₹)
Interest Rate %
Loan Tenure (Years)
Moratorium Period (Years)
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Frequently Asked Questions

How is EMI calculated for an education loan?

Using the standard EMI formula with monthly rate and total months. The tool handles the math and rounding.

What happens during the moratorium period?

EMIs are paused. Interest typically accrues and may be capitalised into the principal unless you service it.

Is interest charged during the moratorium?

Usually yes. You can often choose to pay interest during the period to keep the balance lower.

Can I prepay or part-pay my education loan?

Most lenders allow part-prepayment without penalty. It cuts interest and can shorten tenure.

Does this calculator work for loans abroad?

Yes. Use the abroad view to test larger amounts, longer moratoriums, and currency assumptions in INR.