YOUR DECISION TOOLKIT
Education loan EMI
Monthly repayment, interest and the standard EMI formula.
Starting values are editable examples, not bank offers.
Monthly EMI₹3,187
Total repayments₹1,91,223
Total model interest₹41,223
Repayment-start balance: ₹1,50,000. Model moratorium interest: ₹0.
Year-by-year repayment breakdown
| Repayment year | Principal repaid | Interest paid | Balance at year end |
|---|---|---|---|
| 1 | ₹24,340 | ₹13,904 | ₹1,25,660 |
| 2 | ₹26,889 | ₹11,356 | ₹98,771 |
| 3 | ₹29,705 | ₹8,540 | ₹69,066 |
| 4 | ₹32,815 | ₹5,430 | ₹36,251 |
| 5 | ₹36,251 | ₹1,993 | ₹0 |
Questions families ask
Are tool results an admission guarantee?
No. Each result shows its rules, inputs and evidence limitations. The university checks documents and current admission conditions.
Do I need to share contact details to use tools?
No. Tools work without submitting a counselling form. Calculation inputs stay in the page and are not sent to the counselling database.
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