Education Loan Moratorium Calculator

See how study-period interest changes the balance when regular EMI repayment begins.

At repayment start

Opening repayment balance

—

Interest accumulated before EMI—

Interest serviced during study/moratorium—

Regular EMI after moratorium—

Total interest during repayment—

Savings if full interest is paid monthly—

Why moratorium interest matters

During study and moratorium, EMI may not start, but interest can still accrue. If unpaid interest is added to the loan balance, the later EMI and total repayment rise.

  • Enter the full period before regular EMI begins.
  • If you pay interest during study, enter the average monthly amount paid.
  • Ask the lender whether interest is simple, compounded, subsidised or capitalised.
Education-loan products and subsidy rules differ. Treat this as a planning estimate.

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