Education Loan Calculator

Calculate your education loan EMI, including interest that accrues and capitalises during a moratorium period (study period plus grace period).

Rates as of Q2 2025 (example)

Loan amount

₹

Interest rate (example — enter your actual rate)

%

0.1 18

Repayment term

years

5 15

Moratorium period (course duration + grace)

months

0 60

Extra monthly payment (prepayment)

₹

Repayment start date

Result

—

Total interest

—

Total cost of loan

—

Payment breakdown

Amortization schedule

Period	Date	Payment	Principal	Interest	Balance

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For educational purposes only. Consult a financial advisor.