Education Loan EMI: Complete Guide for Students
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MBA Finance | CFA | Ex-Banker
Published March 03, 2026
Education Loan Basics
Education loans help fund higher studies with easy repayment options.
Moratorium Period
Loan repayment starts after course completion + 6-12 months. During moratorium, simple interest accrues.
Interest Subsidy Schemes
- Central Scheme for interest subsidy during moratorium for economically weaker students
- State-specific schemes available
EMI Calculation Example
Loan: ₹10 lakhs, Rate: 9%, Tenure: 10 years after moratorium
EMI during repayment: ₹12,667
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MBA Finance | CFA | Ex-Banker
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