Education loan calculator
What you'll actually repay
Most EMI calculators ignore the moratorium. Yours shouldn't — interest that builds while you study gets added to the principal, and that is what decides your real monthly outgo.
Your EMI will be
₹31,966 per month for 144 months, starting after a 30-month moratoriumOriginal principal₹20,00,000
Interest during moratorium₹5,50,000
Principal after moratorium₹25,50,000
Repayment period144 months
Total interest₹26,03,055
Total you repay₹46,03,055
Where your money goes
Principal 43.4%
Interest 56.6%
Figures are indicative. Your sanctioned rate, margin money and moratorium terms are set by the lender.
Year-by-year repayment
| Year | Principal paid | Interest paid | Balance |
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Currency converter
Live mid-market rate — useful when your university quotes fees in another currency.
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