Loan & Eligibility Parameters
Qualifies under PM Vidyalaxmi Scheme
₹10,00,000 (₹10 Lakh)
₹1 Lakh
₹15 Lakh
₹30 Lakh
10.5%
Full Subvention
Under PM Vidyalaxmi / CSIS, full interest subvention applies during course + grace period for family incomes ≤ ₹4.5L.
LPA
₹0 / month
Monthly EMI
₹11,054
Post 5-yr moratorium
Moratorium Subvention
₹5,25,000
100% Govt Subsidy
Total Loan Payout
₹19,89,720
Includes Principal + Interest
EMI-to-Salary Stress
16.6%
Healthy (< 25%)
15-Year Principal Balance Paydown Trajectory
Standard Balance
With Extra Prepayment
Moratorium Phase: Months 1 to 60 (No mandatory principal repayment)
Repayment Phase: 180 Monthly EMIs