Education Loan EMI Calculator India
🎓 Education Loan —
Instant EMI Calculator
Calculate education loan EMI for India and abroad studies.
8.15–14%Rate Range
15 YearsMax Tenure
80E TaxBenefit
🎓
Education Loan Details
₹ 500,000
₹50K₹75L
₹
10.5%
7%15%
% p.a.
7 Years
1 yr15 yrs
Years
📅
Year-wise Amortization| Year | Opening Balance | Principal Paid | Interest Paid | Closing Balance |
|---|
📋
Loan SummaryMonthly EMI
₹ —
Loan Amount
₹ —
Total Interest
₹ —
Total Payable
₹ —
🔗
Related Calculators❓
Frequently Asked QuestionsEducation loan rate in 2025?+
Govt banks: 8.15%–10.5%. Private banks: 11–14%. Loans up to ₹7.5L need no collateral.
What is moratorium period?+
Course duration + 6 months (or 1 year after job). Simple interest accrues during this period.
Section 80E tax benefit?+
100% deduction on interest paid for 8 years from loan start. No upper limit on amount.
What expenses are covered?+
Tuition fees, hostel, books, equipment, travel for abroad studies, insurance premium.
Can’t repay after studying?+
Talk to your bank — restructuring, moratorium extension are possible. Check Vidya Lakshmi portal.
⚠️ EMI figures are estimates for planning purposes only. Actual EMI may vary based on bank processing fees and charges. Always confirm with your lender.