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Education Loan EMI Calculator — విద్యా రుణ EMI క్యాల్క్యులేటర్
Estimate EMI, moratorium effect, interest & total payment — EMI, మోరటోరియం ప్రభావం, వడ్డీ & మొత్తం చెల్లింపు అంచనా వేయండి.
Enter loan amount, interest rate, tenure. Use moratorium options to model study-period behaviour.
How to use — ఉపయోగించే విధానం:
Enter Loan Amount, Annual Interest Rate (%) and Tenure (years + months) — రుణం, వడ్డీ & కాలపరిమితి నమోదు చేయండి.
Choose Moratorium option (study period):
No moratorium / Interest-only during study (you pay interest during study) / Defer (capitalise interest) (interest during study added to principal).
Set Moratorium Months — study period length (if any).
Optional: add processing fee, insurance, test Extra monthly or a Lump-sum prepayment to compare savings.
Click Calculate to view EMI after moratorium, interest totals & moratorium impact. Results are indicative — final numbers depend on lender policies.
Note: Some lenders capitalise interest differently or allow partial payments during moratorium. This tool shows common scenarios for comparison. — ఖచ్చిత వివరాలకు lender ని సంప్రదించండి.
Moratorium Interest (during study)
₹0
Principal for Repayment
₹0
Monthly EMI (post-moratorium)
₹0
Total Interest (all periods)
₹0
Total Payment (incl fees)
₹0
Result Note
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Tip: Interest-only during study keeps principal steady but you still pay interest; capitalising interest increases post-study EMI. Compare both options. — చదివే సమయంలో వడ్డీ చెల్లించడం/క్యాపిటలైజ్ చేయించడం ప్రభావం చూస్తుంది.
