Includes interest that builds up while you study.
₹30.00 L
Course length
Grace period after course
Repayment period
Public banks 0–1%, NBFCs 1–2%
Paid on top of EMI
Monthly EMI, from month 31
₹51,107
120 months on ₹37.88 L
Interest (study)
₹7.87 L
Interest (repay)
₹23.45 L
Total repaid
₹61.33 L
Per ₹100 borrowed
₹205
₹7.87 L interest is added to your loan during the 30-month study + grace period. Processing fee ₹30,000 upfront.
Indicative ranges (reviewed 2025). Your offer depends on profile and university.
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | ₹2,26,276 | ₹3,87,003 | ₹35,61,224 |
| 2 | ₹2,51,212 | ₹3,62,067 | ₹33,10,011 |
| 3 | ₹2,78,897 | ₹3,34,383 | ₹30,31,114 |
| 4 | ₹3,09,632 | ₹3,03,647 | ₹27,21,482 |
| 5 | ₹3,43,755 | ₹2,69,525 | ₹23,77,727 |
| 6 | ₹3,81,638 | ₹2,31,642 | ₹19,96,089 |
| 7 | ₹4,23,696 | ₹1,89,584 | ₹15,72,393 |
| 8 | ₹4,70,388 | ₹1,42,891 | ₹11,02,005 |
| 9 | ₹5,22,227 | ₹91,053 | ₹5,79,778 |
| 10 | ₹5,79,778 | ₹33,501 | ₹0 |
Assumes the full amount is disbursed on day one. Banks pay in instalments, so real study-period interest is usually lower. Floating rates move with the repo rate.
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Monthly EMI
₹51,107