यह वेबसाइट किसी भी सरकार या बैंकिंग संस्था का प्रतिनिधित्व नहीं करती। जानकारी केवल शैक्षिक और सूचनात्मक उद्देश्यों के लिए प्रदान की जाती है।

🎓 एजुकेशन लोन ईएमआई

Student Tool

अपने मासिक शिक्षा ऋण ईएमआई की गणना करें, परिशोधन देखें, और अधिस्थगन ब्याज गणना और धारा 80ई कर राहत को समझें।

Note on Moratorium Period: Most education loans offer a holiday or moratorium period (usually Course Duration + 1 Year) during which you do not have to pay EMIs. However, simple interest keeps accumulating. Use this calculator to estimate the post-moratorium EMI repayment schedule.

Loan Calculator

EMI · Total Payment · Amortization

💳 Loan
₹50.0L
1,00,0001,00,00,000
9.5%
1%30%
240mo
12mo360mo

Tax Deductions on Education Loans (Section 80E)

To ease the burden of higher education, the Government of India provides tax deductions under Section 80E of the Income Tax Act:

  • Deduction on Interest Repaid: You can claim a deduction for the entire **interest amount** paid during the financial year. (Unlike home loans, there is no upper limit/cap on the interest amount you can claim).
  • Who can claim? The loan must be taken for higher education of self, spouse, children, or a student for whom you are the legal guardian.
  • Claim Period: The deduction is available starting from the year you begin repaying the interest, up to a maximum of **8 consecutive financial years** or until the entire interest is paid off, whichever is earlier.