Education Loan EMI Calculator Kya Hai?
Education Loan EMI Calculator ek simple tool hai jo har mahine kitni EMI deni padegi yeh calculate karne me madad karta hai. Agar aap higher studies ya foreign education ke liye loan le rahe ho, to yeh calculator aapko loan repayment ka exact estimate dega.
Kaise Use Kare?
1. Loan Amount (₹) – Kitna education loan lena hai, woh amount enter karo.
2. Interest Rate (%) – Bank ya lender ka diya hua annual interest rate likho.
3. Loan Tenure (Years) – Kitne saal ke liye loan lena hai, woh select karo.
4. Moratorium Period (Grace Period) – Kitne saal tak EMI nahi deni hogi (Jaise ki course duration + 6 mahine).
5. "Calculate" Button Dabao – Bas! Aapki monthly EMI turant screen par aa jayegi.
Example Samjho:
Agar aap ₹10 lakh ka education loan le rahe ho, 10% interest rate par, aur 7 saal ke tenure ke liye, to EMI kuch aise niklegi:
1. Loan Amount = ₹10,00,000
2. Interest Rate = 10%
3. Loan Tenure = 7 saal (84 mahine)
4. Moratorium Period = 3 saal (Jisme sirf interest dena hoga)
➡ Aapki EMI (After Moratorium) = ₹16,609 per month
Education Loan Ka Fayda Kya Hai?
1. Bina Paise Ki Tension Ke Padhai Kar Sakte Ho – College fees, hostel, books, aur other expenses cover ho jate hain.
2. Government Subsidy & Tax Benefit – Interest pe tax rebate milta hai aur kuch cases me government subsidy bhi milti hai.
3. Job Milne Ke Baad Payment Start Hota Hai – Jab tak padhai chal rahi hoti hai, tab tak EMI nahi deni hoti.
4. Flexible Tenure – Aapko 7-15 saal tak ka repayment option milta hai.
