---
type: "tool"
title: "Education Loan Calculator"
description: "Calculate education loan EMI and total interest. Interest paid on an education loan is deductible without an upper limit for up to eight years."
resource: "https://www.gstcalculators.in/education-loan-calculator.html"
language: "en"
bundle_generated: "2026-10-12"
---

# Education Loan Calculator

Calculate education loan EMI and total interest. Interest paid on an education loan is deductible without an upper limit for up to eight years.

- Canonical page: [Education Loan Calculator](https://www.gstcalculators.in/education-loan-calculator.html)
- Publisher: [Tool Master Hub / GSTCalculators.in](../site.md)
- Category: [Tax and Loan Calculators](../categories/taxloan.md)

This is a discovery summary of the public page, not an independently reviewed replacement. Use the canonical page for current inputs, assumptions, formulas, source links and results. The bundle generation date does not mean that tax rules were reviewed on that date.

## Topics on the page



## Questions and answers from the visible page

### Is education loan interest tax-deductible?

Yes — interest is deductible with no upper limit, for up to eight years from when repayment begins, under the provision formerly numbered 80E.

### What is a moratorium period?

A repayment holiday covering the course duration plus six to twelve months. Interest typically still accrues, so consider paying simple interest during the moratorium if you can.

### Do I need collateral?

Loans up to around ₹7.5 lakh are often collateral-free under government schemes. Larger amounts usually require security.

## Accuracy and corrections

[Methodology](https://www.gstcalculators.in/methodology.html) · [Editorial policy](https://www.gstcalculators.in/editorial-policy.html) · [Disclaimer](https://www.gstcalculators.in/disclaimer.html) · [Report a problem](https://www.gstcalculators.in/contact.html).