Education loan EMI calculator

See what your loan would cost per month once repayment begins — and how much servicing interest during your course would save you.

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Loan amount₹25 lakh

Interest rate10.50% p.a.

Course duration2 years

Grace period after course6 months

Repayment duration10 years

I plan to pay simple interest during the course and grace period. This keeps interest from being added to your principal.

Estimated EMI

₹42,589

Starting after a 30-month moratorium

Total interest: ₹26,10,663
Total repayment: ₹51,10,663
Interest during moratorium: ₹6,56,250

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This calculator is an estimate. It assumes a fixed rate and equal monthly instalments. Actual EMIs depend on your lender's rate reset policy, interest capitalisation method, fees and disbursement schedule.

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