Education Loan Calculator

What is moratorium interest in an education loan?

Moratorium interest is interest that may accumulate during the study period or repayment holiday before regular EMI starts.

Can study period interest be added to principal?

Yes. The calculator can estimate repayment after adding study period interest to the loan principal or treating it as paid separately.

When does education loan EMI start?

EMI usually starts after the study period or moratorium, depending on lender terms. Enter the repayment start assumptions shown in the calculator.

Does the calculator include subsidies or tax benefit?

No. It does not include subsidies, tax benefits, disbursement timing, collateral rules, or lender-specific moratorium rules.