Education Loan EMI Calculator
Calculate your education loan EMI, including how the moratorium period (where interest accrues but isn't paid) affects your principal and total repayment.
The period (usually your course duration plus a grace period) during which you make no payments. Interest still accrues and is added to your principal once repayment starts.
Monthly EMI · after moratorium
11% · 5 yr₹16,
for 60 months
Interest in moratorium
₹2.75 Lakhs
₹2,74,799
added to principal
Principal at repayment
₹7.75 Lakhs
₹7,74,799
+55% vs borrowed
Interest in repayment
₹2.36 Lakhs
₹2,35,961
Total you'll repay
₹10.11 Lakhs
₹10,10,760
| Year | Principal paid | Split | Interest paid | Balance |
|---|---|---|---|---|
| 1 | ₹1,23,003 | ₹79,149 | ₹6,51,796 | |
| 2 | ₹1,37,237 | ₹64,915 | ₹5,14,559 | |
| 3 | ₹1,53,118 | ₹49,034 | ₹3,61,442 | |
| 4 | ₹1,70,836 | ₹31,316 | ₹1,90,605 | |
| 5 | ₹1,90,605 | ₹11,547 | ₹0 |
Frequently asked questions
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The EMI above is calculated on your capitalized principal: the original loan amount of ₹5,00,000 plus ₹2,74,799 of interest that accrues (and is added to principal) during the 4 years moratorium. Some lenders let you pay interest during the moratorium to avoid this capitalization, so check your sanction letter for the exact terms.