After how much time do I have to start repaying the education loan?

You typically start repaying your education loan after a moratorium period, which covers your course duration plus a grace period.

- For studies in India: Repayment begins one year after you finish your course or six months after you get a job, whichever comes first.
- For studies abroad: Repayment starts six months after course completion.

The repayment tenure usually ranges from 5 to 15 years, depending on your lender and loan amount. Interest keeps accruing during the moratorium and is added to your principal, so starting repayments early can reduce your total interest.