🎓 Education Loan EMI Calculator
Plan your education loan repayment including the moratorium period (course duration + grace period), during which interest accrues even though EMIs haven't started.
EMI After Moratorium
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Interest Accrued During Moratorium₹0
Principal at Start of Repayment₹0
Total Interest Paid₹0
Total Payment₹0
Simple interest is assumed during the moratorium (standard bank practice); if unpaid, it is added to the principal when EMIs begin. Paying interest during the course keeps EMIs lower. Interest paid on education loans is fully deductible under Section 80E (old regime) for up to 8 years. Estimates only.