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Calculate your education loan EMI including moratorium period (course + 6 months). See interest accumulation during study, Section 80E tax benefit, and compare India vs abroad options.
Monthly EMI (after course)
Loan Amount
₹10.00 L
Total Interest
₹6.13 L
Total Repayment
₹16.13 L
Tax Saved (80E)
₹26,269/yr
Monthly EMI (after course)
Loan Amount
₹10.00 L
Total Interest
₹6.13 L
Total Repayment
₹16.13 L
Tax Saved (80E)
₹26,269/yr
Course ke 2 saal + 6 months grace period mein ₹2.13 L interest accumulate hoga. Repayment tab shuru hoga jab job lage.
Section 80E mein education loan ke interest par UNLIMITED deduction milta hai — 8 saal tak. Estimated tax saving: ₹26,269/year at 30% bracket.
₹7.5L tak ke education loan mein collateral nahi chahiye. Interest subsidy available under Vidyalakshmi portal for economically weaker sections.
EMI: ₹24,876/mo
₹4.93 L
Highest EMI, lowest interest
EMI: ₹19,202/mo
₹6.13 L
Balanced
EMI: ₹15,033/mo
₹8.04 L
Low EMI, most interest
Principal
₹10.00 L
Interest (during course)
₹2.13 L
Interest (repayment)
₹4.00 L
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