🎓 Free Tool
Education Loan EMI Calculator
Calculate your education loan EMI after the moratorium period, total interest payable & year-wise repayment schedule instantly.
🕐 Include Moratorium Period? (No EMI during study + 6–12 months grace period)
⚙️
Loan Details
📅 Moratorium Period Details
Yr
Mo
⚠️ During moratorium, interest accrues on the loan. This interest gets added to your principal — increasing your total repayment amount. This is called Capitalisation of Interest.
Loan Amount
₹10,00,000
₹50,000₹50 Lakh
Interest Rate (p.a.)
8.5%
7%16%
Repayment Tenure
10 Years
1 Year15 Years
Or type your values below
₹
%
Yr
📊
Your Results
Monthly EMI (After Moratorium)
₹0
repayment starts after moratorium period
Interest accrued during moratorium: ₹0
Capitalised principal (actual loan you repay): ₹0
Capitalised principal (actual loan you repay): ₹0
Principal
₹0
Total Interest
₹0
Total Payable
₹0
Payment Split
Principal Amount
—
Total Interest
—
| Year | Opening Balance | Principal Paid | Interest Paid | Closing Balance |
|---|
InfoBuddy Tip: If possible, pay the interest during your moratorium period instead of letting it accumulate. On a ₹10 lakh loan at 8.5% for 4 years of study, the capitalised interest alone can be ₹3.4 lakhs — which gets added to your principal and increases your EMI significantly. Even paying partial interest during study saves a lot.
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Disclaimer: This calculator provides estimates based on standard EMI and compound interest formulas. Actual education loan terms vary by lender, course type, institution, collateral, and credit profile. Moratorium periods and interest capitalisation rules differ across banks — please verify with your lender. Interest rates shown are indicative for 2026 and subject to change. This tool is for educational reference only and does not constitute financial advice. Please consult your bank or a qualified financial advisor before taking an education loan.