Education Loan EMI Calculator FY 2025-26
Calculate your education loan EMI for FY 2025-26. Estimate monthly EMI, total interest, tax benefits under Section 80E, and repayment schedule for loans from ₹50,000 to ₹1.5 crore. Supports PM-Vidyalaxmi and CSIS subsidies.
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, for FY 2024-25 subsidy. Consequence: Loss of full interest subsidy during moratorium; reapply for FY 2025-26.
- JEE Advanced 2025: Exam on May 18, 2025; apply for loan post-admission.
- NEET UG 2025: Results by June 10, 2025; apply for loan by July 2025.
- CUET-UG 2025: Exam on May 20, 2025; apply for loan post-admission.
Calculate Your Education Loan EMI
Enter details to calculate EMI using the reducing balance method. Results are estimates; consult your lender for exact terms.
FAQs
How is education loan EMI calculated?
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?
Interest paid on education loans is fully deductible under Section 80E (old regime) for up to 8 years. No limit on deduction amount.
What is PM-Vidyalaxmi?
A scheme offering collateral-free loans for top 860 institutions with 3% interest subvention for incomes up to ₹8 lakh. Apply by August 31, 2025.