Education Loan · India & Abroad · 2026

Education Loan Calculator —
Plan Your Repayment Before You Borrow

Education loans have a moratorium period (course + 6-12 months) during which no EMI is paid. Interest still accrues. Know your true burden before you borrow ₹20-50 lakhs.

EMI = [P × R × (1+R)^N] / [(1+R)^N-1]. Moratorium: typically course duration + 6 months. Interest accrues during moratorium and is capitalised — increasing your effective loan amount.
Education Loan Details
Loan Amount
₹2,000,000
₹10K₹1Cr
Interest Rate
9% p.a.
5%36%
Loan Tenure
10 years
1 yr30 yrs
Monthly EMI
₹0
total interest: ₹0
Principal
₹0
Total Interest
₹0
Total Payment
₹0
Interest %
0%
Amortization Schedule (First 12 Months)
MonthEMI (₹)Principal (₹)Interest (₹)Balance (₹)