Education Loan Calculator
Payment schedule
Education Loan Calculator — every row, computed from the calculator's stated formula.
Months 1–24 are the moratorium: interest accrues but no EMI is due. At month 24 that accrued interest capitalises into the principal in one step — the balance jumps there, before any EMI is paid.
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | ₹0 | ₹95,000 | ₹10.00 L |
| 2 | ₹0 | ₹95,000 | ₹11.90 L |
| 3 | ₹1.26 L | ₹1.08 L | ₹10.64 L |
| 4 | ₹1.38 L | ₹95,192 | ₹9.26 L |
| 5 | ₹1.52 L | ₹81,476 | ₹7.74 L |
| 6 | ₹1.67 L | ₹66,398 | ₹6.07 L |
| 7 | ₹1.84 L | ₹49,825 | ₹4.24 L |
| 8 | ₹2.02 L | ₹31,606 | ₹2.22 L |
| 9 | ₹2.22 L | ₹11,579 | ₹0 |
For information and education only; it is not investment advice and not a recommendation. The lender’s terms decide the actual figures. Every row is computed solely from the calculator’s stated formula and assumptions and the inputs you entered.