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Education Loan EMI Options

The 3 Hows of deciding the right EMI

How soon do you want to pay off the education loan?
How much can you afford to pay in a month?
How much of an interest rate are you comfortable with?

How much EMI do you need to pay?

Equated Monthly Instalment (EMI) depends on the principal loan amount, the interest rate charged and the period for which the loan is taken.

You can choose your EMI amount that is comfortable to you by using the Education Loan EMI calculator.

WHICH EMI OPTION IS SUITABLE FOR YOU?

Tailor your Education Loan repayments and pay comfortably through easy EMI plans.

STANDARD EMI PLAN
Standard EMI Plan allows you to pay the principal amount along with the interest consistently for your defined period.
  • Education Loan EMI amount remains the same for the entire loan period
  • Standard plan
Ideal if
You have a consistent income
STEP UP FLEXI EMI PLAN
Step Up Flexi EMI Plan offers great flexibility. This repayment option allows you to pay lower EMIs in the beginning and as your salary increases you pay higher EMIs.
  • Provides higher Education Loan eligibility
  • Pay more when you can afford
  • Helps to manage income flow efficiently
Ideal if
You expect your income to increase at regular intervals
Step Down Flexi EMI Plan
Step Down Flexi EMI Plan offers flexibility to pay higher EMIs at the beginning and lower ones at the end.
  • Reduces interest substantially
  • Provides higher Education Loan eligibility
Ideal if
You have a high disposable income

Which EMI Option is Suitable for you ?

You can decide how you want to repay your personal loan for education. For a fixed amount of loan and interest, you can choose the tenure and EMI that is comfortable for you. The longer the tenure, lower will be the EMI. You can also prepay your education loan after meeting defined terms and conditions. 

You can pay your loan through auto debit or ECS facility. In exceptional cases, you can also opt for a post-dated cheque payment facility.

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