After completing studies abroad, can I repay my education loan and what is the moratorium period?

Yes, you can start repaying your education loan after completing your studies abroad.

Most Indian banks offer a moratorium period covering your course duration plus an extra 6 to 12 months. During this time, you usually don't need to pay the principal, but interest continues to accrue. Some lenders may require you to pay only the interest during the moratorium.

Repayment of the principal typically starts after the moratorium or once you secure a job, whichever comes first. Repayment terms and moratorium periods are subject to change by the lender.