Repayment timing
Plan interest during study and EMI after the grace period
Estimate how study-period interest and grace months can change the balance before repayment begins.
Study interestGrace monthsPost-course EMI
Indicative moratorium estimate
Moratorium treatment varies by lender. This planner uses simple interest for visibility and does not represent a sanction condition.
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Moratorium Repayment Planner
Moratorium treatment varies by lender. This planner uses simple interest for visibility and does not represent a sanction condition.
Why moratorium planning matters
Families often focus on sanction amount first, but unpaid interest during study can change the actual balance before EMI starts.
- Check whether interest is simple, compounded, or serviced during study.
- Grace period adds time but can also add interest.
- Use this view before comparing lender terms.
Need help comparing moratorium terms?
Share the estimate and ask what to confirm before accepting a sanction.
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