Education Loan EMI Calculator FY 2025-26
Calculate your education loan EMI for FY 2025-26 with our free calculator. Estimate monthly EMI, total interest, and Section 80E tax benefits for loans from ₹50,000 to ₹1.5 crore. Supports PM-Vidyalaxmi and CSIS subsidies. Plan repayments for studies in India or abroad, and explore our Home Loan EMI Calculator or PPF Calculator.
Back to All CalculatorsGovernment Loan Scheme Deadlines (2025)
Show Deadlines- PM-Vidyalaxmi Scheme: Apply by August 31, 2025, at pmvidyalaxmi.co.in.
- CSIS Subsidy (FY 2024-25): Loan sanction by March 31, 2025. Consequence: Loss of interest subsidy during moratorium; reapply for FY 2025-26.
Calculate Your Education Loan EMI
Enter details to calculate EMI using the reducing balance method. Results are estimates; consult your lender for exact terms.
Frequently Asked Questions
What is an Education Loan EMI Calculator?
An Education Loan EMI Calculator estimates monthly EMI, total interest, and tax benefits under Section 80E for loans from ₹50,000 to ₹1.5 crore, supporting PM-Vidyalaxmi and CSIS subsidies.
How is Education Loan EMI calculated in 2025?
EMI = [P × r × (1+r)^n] / [(1+r)^n - 1], where P is loan amount, r is monthly interest rate, and n is repayment months.
What are Section 80E tax benefits for FY 2025-26?
Interest paid on education loans is fully deductible under Section 80E (old regime) for up to 8 years, with no upper limit.
What is PM-Vidyalaxmi scheme in 2025?
PM-Vidyalaxmi offers collateral-free loans for top 860 institutions with 3% interest subvention for incomes up to ₹8 lakh. Apply by August 31, 2025.
What is CSIS subsidy for education loans in 2025?
CSIS provides full interest subsidy during the moratorium for students with family income up to ₹4.5 lakh. Apply by March 31, 2025.