Free financial planning tools

Education & Student Loan EMI Calculator

Estimate education loan repayments for study in India or abroad, including the long-term effect of interest and tenure.

Calculate now ↓

Simple, transparent planning

Calculate your Education Loan EMIs

Enter your details or use the sliders to compare repayment scenarios instantly.
Does your repayment start while studying? i

Your estimated monthly EMI

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0%interest
Principal ₹0 Interest ₹0
Principal at repayment₹0Total interest₹0Total repayment₹0

View repayment scheduleIndicative estimate only. Actual rates, fees and moratorium treatment depend on the lender’s terms.

Year-wise repayment

See how your balance reduces.

YearPrincipal paidInterest paidBalance

About this calculator

Plan education finance around future earning potential.

Education loans may include a moratorium during study and an additional grace period. Interest can accrue during this time, so actual repayment principal may be higher than the amount initially disbursed.

Explore related loan guidance →
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Ask how moratorium interest will be handled.

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Compare secured and non-collateral options.

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Include tuition, living and eligible travel costs.

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Consider making interest payments during study where possible.

Frequently asked questions

Helpful answers for smarter planning.

Does EMI start immediately?+

Often it starts after the course and a lender-defined grace period, but terms differ. Simple or partial interest payments may be required during study.

How is EMI calculated?+

EMI is calculated using the principal, monthly interest rate and total number of monthly instalments under the reducing-balance method.

Does the estimate include processing fees?+

No. The estimate covers principal and interest only. Processing fees, insurance, taxes and other lender charges may apply separately.

Will my actual EMI be exactly the same?+

The final EMI can differ based on the sanctioned amount, lender rate, disbursal structure, fees and repayment terms.

Plan with an expert

Your education plan deserves the right funding strategy.

Get clear, personalised guidance on eligibility, documentation, lenders and next steps.

BORROW WITHOUT PLEDGING A MAJOR ASSET

Could a non-collateral loan fit your goal?

An unsecured or non-collateral loan does not require you to pledge property or another major asset. For eligible borrowers, that can mean a simpler route for education, personal needs, working capital or other planned expenses.

Check Your Options Estimate Your EMI
No property pledge

Explore eligible options without offering your home or another major asset as security.

Straightforward guidance

Understand eligibility, documents, fees and repayment before you decide to apply.

Flexible use cases

Depending on the product and lender policy, funds may support study, personal or business goals.

Responsible comparison

Compare the total cost—not only the EMI—and choose a repayment you can manage comfortably.

A NEW FIRM, BUILT AROUND BETTER SERVICE

Modern loan guidance, with no old-fashioned pressure

Clear before you commit. We explain the process, likely documents and important cost questions in plain language.

Your situation comes first. Recommendations should reflect your goal, eligibility and comfortable repayment—not a one-size-fits-all pitch.

Transparent about outcomes. Career Loan began on 1 January 2026. Lenders make approval, rate and disbursal decisions; we help you prepare and navigate the journey.

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