Education Loan Calculator

Fee & EMI Calculator

Plan your education budget. Calculate monthly EMIs, total interest payable, and compare loan options for any college.

Quick-fill by course

Total Course Fee (₹)

Total tuition + hostel for the full course

Scholarship Amount (₹)

Merit / government scholarship received

Self / Family Funding (₹)

Amount you can pay without a loan

Loan Required

₹8.00 L

Interest Rate (% p.a.)

Repayment Tenure

Moratorium period

Repayment starts after course completion + 6–12 months

Monthly EMI

₹9,919

After course + moratorium period

Principal (Loan amount)₹8.00 L

Total Interest Payable₹3.90 L

Total Amount Payable₹11.90 L

Interest is 48.8% of principal over 10 years

• Vidya Lakshmi Portal offers loans from 38+ banks — compare rates before applying.
• Central Sector Scholarship covers up to ₹20,000/year for eligible students.
• SC/ST students may qualify for full-fee reimbursement through state government schemes.
• Pre-payment of 1–2 EMIs per year can save 6.8% in total interest.