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Student Education Loan Calculator & Section 80E

Calculate education loan EMI, moratorium interest, Section 80E tax savings, and download amortization schedule.

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Loan Parameters

Presets
Loan Principal Amount (INR ₹)
Interest Rate (% p.a.)
Repayment Tenure (years)
Moratorium / Course Duration (years)
Moratorium Interest Payment Mode
Your Income Tax Bracket (Section 80E)

EMI & Tax Savings Breakdown

Monthly Post-Moratorium EMI₹38,820
Total Interest Payable₹16,58,400
Section 80E Tax Savings₹5,17,400
Effective Total Cost After Tax₹41,41,000

Yearly Amortization Schedule

YearPrincipal PaidInterest PaidSec 80E Tax SavedBalance

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How it works

Student Education Loan Calculator & Section 80E

Financing higher education through student loans involves unique parameters: moratorium periods while studying, simple vs compounded interest accumulation, collateral requirements, and Section 80E tax deductions.

Compare public banks (SBI @ 8.5% collateral), private NBFCs (11.5%), and USD international lenders (13% no co-signer). Calculate your exact monthly EMI, moratorium compounding choices, 100% Section 80E tax savings, and download your complete repayment schedule CSV.