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Home › Education Loan EMI Calculator

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Education Loan EMI Calculator
India 2026

Calculate your student loan EMI for studies in India or abroad. Compare bank rates. Check moratorium period impact on total repayment.

✓ Rates from 7.00% p.a.✓ Up to 15 years tenure✓ Moratorium period available
🧮 Education Loan EMI Calculator
₹
₹1500000
%
9.00% p.a.
Years
10 Years
₹
Added to total cost

Education Loan EMI Calculator Rates — June 2026

LenderMin RateMax RateApply
SBI Student Loan7.00%9.50%Apply ↗
HDFC Credila9.50%13.00%Apply ↗
Bank of Baroda8.15%10.50%Apply ↗
Axis Bank9.70%13.50%Apply ↗
Union Bank7.50%10.00%Apply ↗

Education Loan — Moratorium Period and Repayment

Education loans have a unique moratorium period — you don't pay EMIs while studying plus 6–12 months after getting a job. However, interest continues to accrue during this period. This significantly increases your total repayment cost. Our calculator shows the full picture including moratorium impact.

💡 Use our loan eligibility calculator to check how much you can borrow based on your income and existing EMIs.

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💳
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From 10.85% p.a.
🚗
Car Loan EMI
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🎓
Education Loan EMI
From 7.00% p.a.
✅
Loan Eligibility
Check instantly
📊
Rate Guide India
All bank rates