What is the moratorium period in education loans?

The moratorium period is a 'holiday' from principal repayment during your course plus a grace period (usually 6-12 months) to find a job. Only simple interest accrues during this time.

Is Section 80E benefit available in the New Tax Regime?

No. Deductions for education loan interest under Section 80E are only available to taxpayers filing under the Old Tax Regime.

Education Loan Calculator

Plan your education loan EMIs with moratorium period and Section 80E tax benefits.

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Quick Summary: Education Loan Calculator

Education loans in India feature a moratorium period (course duration + 6-12 months grace) where only simple interest is charged. EMIs start after the moratorium. Under the Old Tax Regime, Section 80E allows you to deduct the full interest paid from your taxable income for up to 8 years.

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Last verified May 2026

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Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

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9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.