Rupeevalley

Study in India or abroad

Invest in your education.

Estimate repayments for an education loan and talk to our team about options for your course.

Get Loan Assistance Calculate EMI
  • Estimate repayments across long tenures
  • Enquire without creating an account
  • Guidance on next steps from our team

About education loans

An education loan helps pay for tuition and related costs such as accommodation, books and travel for courses in India or abroad. Many education loans involve a co-applicant, often a parent or guardian, and some offer a moratorium during the course.

Our calculator shows regular EMIs from the start of repayment; it does not model moratorium-period interest.

What lenders typically consider

  • Admission to a recognised course and institution
  • Course costs and duration
  • The co-applicant’s income and credit history
  • Security, depending on the loan amount and lender

Each lender sets its own criteria and makes its own decision.

How Rupeevalley helps

Rupeevalley helps you explore options, estimate EMIs and connect with the appropriate team or lending partner. We are not the lender. The lender you apply with decides eligibility, interest rate, fees, approval and disbursal under its own policies and verification process.

EMI calculator

Education Loan EMI Calculator

Estimate study loan repayments. Adjust the values to see your EMI and repayment schedule.

₹50,000 to ₹2 crore
0% to 20%
Tenure unit
1 yr20 yr
Add fees (optional)

Enter only fees you know about. They are shown separately and do not change the EMI.

Results

Your monthly EMI

₹16,601

Principal amount
₹10,00,000
Total interest
₹3,94,500
Total repayment
₹13,94,500
Want to explore this scenario?We’ll attach these results to your enquiry, so you won’t need to re-enter anything.

  • Calculated on a reducing balance with a fixed annual rate of 10% for 7 years.
  • Processing fees, GST, insurance and other charges are excluded unless you add them.
  • Results are illustrative. Actual rates, EMI and eligibility are decided by the lender.
View amortisation schedule
Repayment schedule by year. Expand a year to see monthly rows.
Period Opening balance Principal Interest Instalments Closing balance
₹10,00,000 ₹1,03,890 ₹95,324 ₹1,99,214 ₹8,96,110
₹8,96,110 ₹1,14,769 ₹84,445 ₹1,99,214 ₹7,81,341
₹7,81,341 ₹1,26,787 ₹72,428 ₹1,99,214 ₹6,54,554
₹6,54,554 ₹1,40,063 ₹59,151 ₹1,99,214 ₹5,14,491
₹5,14,491 ₹1,54,729 ₹44,485 ₹1,99,214 ₹3,59,762
₹3,59,762 ₹1,70,931 ₹28,283 ₹1,99,214 ₹1,88,831
₹1,88,831 ₹1,88,831 ₹10,384 ₹1,99,215 ₹0

The default rate is an example for illustration only and is not a quoted rate. Moratorium interest, fees and taxes are excluded. The lender decides your actual terms.

Education Loan questions

More questions? Contact our team.

No. The calculator shows regular EMIs once repayment begins. Interest during a moratorium depends on the lender’s terms.

Many education loans involve a co-applicant such as a parent or guardian. Requirements depend on the lender and loan amount.

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