State Bank of India (₹) SuiteCategory: Education & Student Loans →

SBI Education Loan Calculator

Simulate SBI Student Loan, Scholar Scheme (IIT/IIM), and Global Ed-Vantage overseas financing with live EBLR rate presets and girl student discounts.

🎓 Unified Education Loan & Student Debt Suite

All 60+ Calculators in Sitemap →

Explore specialized student loan simulators, moratorium calculators, government subsidies, tax deductions, and bank presets:

🎓 Education Loan Repayment ⏳ Moratorium Period Calculator 🆓 0% Interest Schemes 🎯 Loan Eligibility Calculator 🧾 Section 80E Tax Benefit 🔓 Loans Without Collateral ✈️ Study Abroad Loan Tool ⚡ Prepayment & Early Payoff 🔄 Student Loan Refinance 🏛️ Govt Interest Subsidy (CSIS)🇮🇳 SBI Student Loan Calculator 🌐 HDFC Credila Loan Tool 📐 How Interest is Calculated 📖 Complete Student Loan Guide

🇮🇳 SBI Education Loan Scheme Directory

1. SBI Scholar Scheme

Up to ₹40L–₹50L collateral-free for 200+ premier institutes (IIT/IIM/NIT/BITS).

2. Global Ed-Vantage

Up to ₹1.5 Crore with property collateral for top universities in US, UK, Canada, Europe.

3. Student Loan Scheme

General technical/professional studies in India up to ₹7.5L without collateral.

SBI Loan Parameters

SBI Scheme Preset

Loan Amount$

Base EBLR Rate%

Repayment Term

Yrs

SBI Concessions

Girl Student Concession (-0.50% Discount)Service Interest in Moratorium (-1.00% Discount)

SBI Monthly Repayment EMI

$0 / mo

With active SBI concessions applied.

Effective Final APR

7.65%

Includes 0.50% discount

Total Lifetime Interest

Over 12-year term

Total Amount Repaid

Principal + Interest

Prepayment Charges

0% (Always Free)

RBI Compliant

💡 YONO SBI Online Application:

You can track, disburse, and manage SBI education loans directly through the YONO SBI mobile app or Vidyalakshmi portal with zero branch visits.

Amortization Schedule

Interactive breakdown of balance, interest, and prepayment impact

Period	EMI Paid	Principal Paid	Extra Prepayment	Interest Paid	Total Payment	Remaining Balance

SBI Scholar, Student & Global Ed-Vantage Interest Strategy

Public sector benchmarks keep SBI among the most cost-effective lenders for domestic and overseas degrees, especially when stacking the 0.50% female borrower discount with the 1.00% moratorium interest servicing concession. Test exact study-period simple interest payouts on our Education Loan Moratorium Calculator, verify collateral-free premier institute limits in the Collateral-Free Loan Guide, or compare private NBFC flexibility via our HDFC Credila Calculator.

Eligible low-income families can also stack government waivers through the CSIS & PM Vidyalaxmi Subsidy Calculator before starting repayment. With zero foreclosure fees on floating student loans, model accelerated post-college payoffs in the Education Loan Prepayment Calculator, optimize tax deductions in the Tax Benefit Calculator, or explore SBI housing tools via our SBI Home Loan Calculator and Education Loan Hub.

Frequently Asked Questions

What are the interest rates for SBI Education Loans?

SBI ties student loans to EBLR across Scholar (8.15%–8.65% for premier admits), Student (8.65%–9.15%), and Global Ed-Vantage (8.65%–9.65% for overseas programs)—compare private NBFC rates via the HDFC Credila Calculator and foreign study costs on our Study Abroad Calculator.

Does SBI offer a discount for female students?

Yes! SBI provides an exclusive 0.50% interest rate concession for female borrowers across domestic and international student loan schemes—verify overall borrowing caps on our Education Loan Eligibility Calculator and Collateral-Free Loan Guide.

What is the SBI 1% moratorium interest concession?

Paying monthly simple interest regularly during the course grace period unlocks a 1.00% interest concession across remaining repayment years—simulate exact capitalization vs. interest servicing in our Education Loan Moratorium Calculator or check government waivers under the CSIS Subsidy Calculator.

Are there any prepayment charges on SBI education loans?

0% Prepayment Charges! SBI waives all early closure or part-payment fees on student loans—test accelerated payoff timelines on the Education Loan Prepayment Calculator (or see SBI mortgage rules at our SBI Home Loan Prepayment Calculator).