EasyShiksha × UniCreds education loans
Education loan repayment calculator
See how interest builds up while you study, what your EMI will be after the moratorium, and how much you save by paying interest during the course.
- From 8.33% p.a.*
- Sanction in 48 hours*
- No-collateral options
- Save up to ₹15 lakh*
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20,000+ students have funded their studies with UniCreds
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Compare your options
| While studying | Monthly payment | Loan at repayment start | EMI after | Total repaid |
|---|---|---|---|---|
| Pay nothing while studying | ₹0 | ₹37,87,500 | ₹51,107 | ₹61,32,796 |
| Pay half the interest | ₹13,125/mo | ₹33,93,750 | ₹45,794 | ₹58,88,978 |
| Pay full simple interest | ₹26,250/mo | ₹30,00,000 | ₹40,480 | ₹56,45,160 Lowest |
Paying full simple interest while you study saves ₹4,87,636 compared with paying nothing. Assumes the full loan is disbursed at the start and simple interest during the moratorium; actual lender terms vary.
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Frequently asked questions
What is a moratorium?
A break from repayments during your course plus usually 6 – 12 months after. Interest still builds up unless you pay it.
Should I pay interest while studying?
If your family can, paying simple interest during the course stops the loan from growing, and some lenders such as Punjab National Bank offer a rate rebate for it.
Can I repay early?
Most lenders listed here charge nothing for prepayment.
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*Interest rates, sanction times, savings, loan amounts, fees and other terms are indicative, as published by UniCreds, and depend on the lender and on the student’s and co-applicant’s profile, course and country. Education loans are provided by banks and NBFCs through UniCreds Private Limited. EasyShiksha (EdSpectra Global Private Limited) refers students to UniCreds and does not lend money or guarantee any loan. Lender names and logos belong to their owners. Cost figures are approximate.