Education Loan EMI for Rs 5 Lakh with No Moratorium
Calculate the EMI for a Rs 5,00,000 education loan with repayment starting immediately, no moratorium period.
A ₹5,00,000 education loan at 10% p.a. with a 0-month moratorium accrues ₹0 in interest before repayment starts, capitalising to ₹5,00,000. Over the 5-year repayment tenure, your EMI is ₹10,624, with total interest of ₹1,37,411 on top of the capitalised principal.
- Loan amount
- ₹5,00,000
- Interest rate
- 10% p.a.
- Moratorium period
- 0 months
- Repayment tenure
- 5 years
Monthly EMI
10% p.a.₹10,
after 0-month moratorium
Original principal
₹5 Lakhs
₹5,00,000
Interest during moratorium
₹0
Principal at repayment
₹5 Lakhs
₹5,00,000
Total interest (repayment)
₹1.37 Lakh
₹1,37,411
| Year | Principal paid | Split | Interest paid | Outstanding balance |
|---|---|---|---|---|
| 1 | ₹81,134 | ₹46,348 | ₹4,18,866 | |
| 2 | ₹89,630 | ₹37,852 | ₹3,29,236 | |
| 3 |
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During the moratorium, interest accrues monthly and is capitalised (added to the principal) once repayment begins. EMI is then computed on this larger principal using the standard reducing-balance formula over the repayment tenure.