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Loan repayment planner

Education Loan Repayment Calculator

Review the estimated monthly repayment, interest cost and repayment schedule for your education loan.

Plan with confidence

Calculate your repayment plan

Review the monthly repayment, interest cost and outstanding balance across the full loan term.

Loan details

Configure loan parameters

₹15,00,000
₹1,00,000₹2,00,00,000
10.5%
7%18%
₹20,500
Min. ₹14,000₹15,00,000

Monthly repayment presets

Estimated Monthly Repayment

₹20,500

Estimated payoff time: 118 months

Explore Education Loan Options

Loan summary

Proportional Breakdown

Principal Investment

₹15,00,000

62%

Interest Surcharge

₹9,05,655

38%

Total Repayment

₹24,05,655

Principal Interest Split
Loan planning guide

About this education loan repayment calculator

This education loan repayment calculator helps students and families estimate repayments for tuition, accommodation, books and other eligible study costs. Use it to build a realistic repayment plan around the expected loan amount and tenure.

How to use the calculator

  1. Set the amount you plan to borrow.
  2. Enter the annual interest rate offered or expected.
  3. Set the monthly repayment to see the estimated payoff time, total interest and schedule.
Common questions

Education Loan repayment calculator FAQs

When does education loan loan repayment usually begin?

Repayment timing depends on the lender and loan terms. Many education loans include a study-period or moratorium arrangement, so confirm the exact schedule with the lender.

Can I use the calculator for overseas education costs?

Yes. Enter the rupee loan amount, annual interest rate and planned repayment tenure to estimate the EMI.

Repayment schedule

Amortization schedule

Detailed month-on-month principal and interest allocation breakdown.

TimelineMonthly RepaymentPrincipal ClearedInterest AccruedOutstanding Balance
Month 1₹20,500₹7,375₹13,125₹14,92,625
Month 2₹20,500₹7,440₹13,060₹14,85,185
Month 3₹20,500₹7,505₹12,995₹14,77,681
Month 4₹20,500₹7,570₹12,930₹14,70,111
Month 5₹20,500₹7,637₹12,863₹14,62,474
Month 6₹20,500₹7,703₹12,797₹14,54,771
Month 7₹20,500₹7,771₹12,729₹14,47,000
Month 8₹20,500₹7,839₹12,661₹14,39,161
Month 9₹20,500₹7,907₹12,593₹14,31,254
Month 10₹20,500₹7,977₹12,523₹14,23,277
Month 11₹20,500₹8,046₹12,454₹14,15,231
Month 12₹20,500₹8,117₹12,383₹14,07,114
Month 13₹20,500₹8,188₹12,312₹13,98,926
Month 14₹20,500₹8,259₹12,241₹13,90,667
Month 15₹20,500₹8,332₹12,168₹13,82,335
Month 16₹20,500₹8,405₹12,095₹13,73,931
Month 17₹20,500₹8,478₹12,022₹13,65,453
Month 18₹20,500₹8,552₹11,948₹13,56,900
Month 19₹20,500₹8,627₹11,873₹13,48,273
Month 20₹20,500₹8,703₹11,797₹13,39,571
Month 21₹20,500₹8,779₹11,721₹13,30,792
Month 22₹20,500₹8,856₹11,644₹13,21,936
Month 23₹20,500₹8,933₹11,567₹13,13,003
Month 24₹20,500₹9,011₹11,489₹13,03,992
Month 25₹20,500₹9,090₹11,410₹12,94,902
Month 26₹20,500₹9,170₹11,330₹12,85,732
Month 27₹20,500₹9,250₹11,250₹12,76,483
Month 28₹20,500₹9,331₹11,169₹12,67,152
Month 29₹20,500₹9,412₹11,088₹12,57,739
Month 30₹20,500₹9,495₹11,005₹12,48,245
Month 31₹20,500₹9,578₹10,922₹12,38,667
Month 32₹20,500₹9,662₹10,838₹12,29,005
Month 33₹20,500₹9,746₹10,754₹12,19,259
Month 34₹20,500₹9,831₹10,669₹12,09,427
Month 35₹20,500₹9,918₹10,582₹11,99,510
Month 36₹20,500₹10,004₹10,496₹11,89,506
Month 37₹20,500₹10,092₹10,408₹11,79,414
Month 38₹20,500₹10,180₹10,320₹11,69,234
Month 39₹20,500₹10,269₹10,231₹11,58,964
Month 40₹20,500₹10,359₹10,141₹11,48,605
Month 41₹20,500₹10,450₹10,050₹11,38,156
Month 42₹20,500₹10,541₹9,959₹11,27,615
Month 43₹20,500₹10,633₹9,867₹11,16,981
Month 44₹20,500₹10,726₹9,774₹11,06,255
Month 45₹20,500₹10,820₹9,680₹10,95,435
Month 46₹20,500₹10,915₹9,585₹10,84,520
Month 47₹20,500₹11,010₹9,490₹10,73,509
Month 48₹20,500₹11,107₹9,393₹10,62,402
Month 49₹20,500₹11,204₹9,296₹10,51,198
Month 50₹20,500₹11,302₹9,198₹10,39,896
Month 51₹20,500₹11,401₹9,099₹10,28,495
Month 52₹20,500₹11,501₹8,999₹10,16,995
Month 53₹20,500₹11,601₹8,899₹10,05,393
Month 54₹20,500₹11,703₹8,797₹9,93,691
Month 55₹20,500₹11,805₹8,695₹9,81,885
Month 56₹20,500₹11,909₹8,591₹9,69,977
Month 57₹20,500₹12,013₹8,487₹9,57,964
Month 58₹20,500₹12,118₹8,382₹9,45,846
Month 59₹20,500₹12,224₹8,276₹9,33,623
Month 60₹20,500₹12,331₹8,169₹9,21,292
Month 61₹20,500₹12,439₹8,061₹9,08,853
Month 62₹20,500₹12,548₹7,952₹8,96,306
Month 63₹20,500₹12,657₹7,843₹8,83,648
Month 64₹20,500₹12,768₹7,732₹8,70,880
Month 65₹20,500₹12,880₹7,620₹8,58,000
Month 66₹20,500₹12,992₹7,508₹8,45,008
Month 67₹20,500₹13,106₹7,394₹8,31,902
Month 68₹20,500₹13,221₹7,279₹8,18,681
Month 69₹20,500₹13,337₹7,163₹8,05,344
Month 70₹20,500₹13,453₹7,047₹7,91,891
Month 71₹20,500₹13,571₹6,929₹7,78,320
Month 72₹20,500₹13,690₹6,810₹7,64,630
Month 73₹20,500₹13,809₹6,691₹7,50,821
Month 74₹20,500₹13,930₹6,570₹7,36,891
Month 75₹20,500₹14,052₹6,448₹7,22,838
Month 76₹20,500₹14,175₹6,325₹7,08,663
Month 77₹20,500₹14,299₹6,201₹6,94,364
Month 78₹20,500₹14,424₹6,076₹6,79,940
Month 79₹20,500₹14,551₹5,949₹6,65,389
Month 80₹20,500₹14,678₹5,822₹6,50,711
Month 81₹20,500₹14,806₹5,694₹6,35,905
Month 82₹20,500₹14,936₹5,564₹6,20,969
Month 83₹20,500₹15,067₹5,433₹6,05,903
Month 84₹20,500₹15,198₹5,302₹5,90,704
Month 85₹20,500₹15,331₹5,169₹5,75,373
Month 86₹20,500₹15,465₹5,035₹5,59,908
Month 87₹20,500₹15,601₹4,899₹5,44,307
Month 88₹20,500₹15,737₹4,763₹5,28,569
Month 89₹20,500₹15,875₹4,625₹5,12,694
Month 90₹20,500₹16,014₹4,486₹4,96,680
Month 91₹20,500₹16,154₹4,346₹4,80,526
Month 92₹20,500₹16,295₹4,205₹4,64,231
Month 93₹20,500₹16,438₹4,062₹4,47,793
Month 94₹20,500₹16,582₹3,918₹4,31,211
Month 95₹20,500₹16,727₹3,773₹4,14,484
Month 96₹20,500₹16,873₹3,627₹3,97,611
Month 97₹20,500₹17,021₹3,479₹3,80,590
Month 98₹20,500₹17,170₹3,330₹3,63,420
Month 99₹20,500₹17,320₹3,180₹3,46,100
Month 100₹20,500₹17,472₹3,028₹3,28,629
Month 101₹20,500₹17,624₹2,876₹3,11,004
Month 102₹20,500₹17,779₹2,721₹2,93,225
Month 103₹20,500₹17,934₹2,566₹2,75,291
Month 104₹20,500₹18,091₹2,409₹2,57,200
Month 105₹20,500₹18,250₹2,250₹2,38,950
Month 106₹20,500₹18,409₹2,091₹2,20,541
Month 107₹20,500₹18,570₹1,930₹2,01,971
Month 108₹20,500₹18,733₹1,767₹1,83,238
Month 109₹20,500₹18,897₹1,603₹1,64,342
Month 110₹20,500₹19,062₹1,438₹1,45,280
Month 111₹20,500₹19,229₹1,271₹1,26,051
Month 112₹20,500₹19,397₹1,103₹1,06,654
Month 113₹20,500₹19,567₹933₹87,087
Month 114₹20,500₹19,738₹762₹67,349
Month 115₹20,500₹19,911₹589₹47,438
Month 116₹20,500₹20,085₹415₹27,353
Month 117₹20,500₹20,261₹239₹7,093
Month 118₹7,155₹7,093₹62₹0