Can I start EMI repayment after completing my graduation or MBA?
27 Aug 2026 · Answered by Pallavi Attri · 1 min read
Yes, you can usually start repaying your education loan (EMIs) after finishing your graduation or MBA.
Most Indian education loans offer a moratorium period that covers your course duration plus 6 - 12 months after completion. During this time, EMIs are not required, but interest may still accrue and is often added to your principal. After the moratorium, regular EMIs begin, with repayment periods typically up to 15 years.
Will you qualify for an education loan?
Collateral, co-applicant income and repayment. Check your eligibility in minutes.
4.7/5 Google
🎓 25K+ admits
Check Loan EligibilityRelated topics
More Cost & living questions
- What is the lowest undergraduate tuition fee I can expect to pay at a Canadian university for the 2026 academic year?
- How much would I pay in first-year tuition for the International MBA program at York University, Toronto?
- How much monthly rent should I expect to pay for accommodation in Austria as an international student?
- If I get an education loan, can I proceed with the application after the loan amount is clear?
- Is it better to spend 12 lakhs in India or go abroad for higher studies in Germany for a Master's?
- Does the agency provide end-to-end services including visa, loan guidance, and accommodation?
- Do I need to show living expenses in my bank account for visa purposes, and can I withdraw it after reaching Ireland?
- How do I get an education loan for an MBA abroad as an Indian student?
More India questions
- Is doing a job in India for one year before pursuing an MBA abroad a good option?
- What are the typical interest rates for secured and unsecured education loans?
- Is it possible to get a property-based loan for studying in New Zealand?
- Is there any problem if we apply before the intake date?
- Do I need to renew my passport if it is expired?
- What is the fee structure for the four-year program at Pilani?
- Are online courses available where I can study from India but get a degree from abroad in UK/Italy for a Master's?
- Is it difficult to get a visa for the USA now?
🎓 Will you get a study loan? Check Loan Eligibility