Moratorium Desk

Understand how your grace period impacts your total loan cost and repayment timeline.

Course Duration

1Yr6Yr

Moratorium (Grace Period)

0Mo24Mo

Loan Amount

₹

₹1.0L₹100.0L

Interest Rate (p.a.)

6%16%

Interest During Moratorium

Let interest accumulate (Added to principal later)Pay simple interest monthly

Your Repayment Journey

Course (4 Yr)

Grace (6 Mo)

Repayment (10 Yr)

Course Starts

Graduation

EMI Starts

Loan Closed

Moratorium Length

54 Months

EMI Starts On

Jan 2031

Interest Added (Moratorium)

₹9,45,000

Capitalized into new principal

Total Repayment

₹38,23,603

Outstanding Balance & Accumulated Interest

Loan Balance

Accumulated Interest

Total Cost Breakdown

Principal

Total Interest

Smart Educational Insights

💡Your 6-month grace period gives you financial breathing room while job hunting, but it adds ₹0.7 Lakh to your total cost.

Educational Note: This simulator is designed to help you understand how moratorium periods work conceptually. Actual repayment schedules, compound interest frequencies, and bank policies may vary. Always refer to your official loan sanction letter for exact figures.