Rs 10 lakh education loan ki EMI kitni hogi?

10% interest, 5 saal par lagbhag Rs 21,247/month.

Education loan ka max tenure kitna hai?

Zyadatar banks 15 saal tak dete hain moratorium ke baad.

Haan - Rs 7.5 lakh tak bina collateral mil jata hai.

Higher studies ka plan? Education Loan EMI Calculator se repayment plan banayein — moratorium period ka asar bhi dekhein.

📅 Last updated: October 2026

Loan offer ki details yahan enter karein.

Loan amount

₹50,000₹5 crore

Annual interest rate

1%30%

Loan tenure

1 year30 years

Aapki monthly EMI

₹21,247

per month

Principal amount₹10,00,000

Total interest₹2,74,823

Total amount payable ₹12,74,823

Estimate based on a fixed interest rate and monthly reducing balance.

⚠️ Ye sirf estimate hai, financial advice nahi hai. Disclaimer padhein.

College/university ki total fees (tuition + hostel + expenses) me se scholarship/self-funding ghata kar loan amount daalein.
Interest rate set karein (education loan ~9–12%).
Tenure chunein (5, 7 ya 10 saal).
EMI, total interest turant dekhein.

EMI = P × r × (1+r)ⁿ / ((1+r)ⁿ − 1)

P = loan amount (price − down payment), reducing-balance basis par.

Example: ₹10 lakh education loan, 10% rate, 5 saal → EMI ≈ ₹21,247/month, total interest ≈ ₹2.75 lakh.

Course duration + 6–12 months tak EMI nahi deni hoti. Lekin interest isi period me judta rehta hai — jo total cost badha deta hai.

10% interest, 5 saal par ≈ ₹21,247/month. Moratorium ke baad principal badh jayega kyunki interest jud chuka hoga.

Haan — Section 80E ke tahat poora interest taxable income se deduct hota hai, 8 saal tak, bina kisi upper limit ke.

Zyadatar banks 15 saal tak (moratorium ke baad) dete hain. Lamba tenure = kam EMI lekin zyada total interest.

Haan — ₹7.5 lakh tak bina collateral mil jata hai. Usse zyada par collateral ya co-applicant chahiye hota hai.