USD loan to INR Education loan calculator

The first and best calculator on the web.

Compare your USD loan to INR across various parameters and see the actual difference in the repayment. Are you going to repay higher tomorrow? If yes, by how much? Let us compare apples to apples. Because we know every penny counts.

Education Loan Calculator
  • Enter the USD loan amount

  • What is today’s USD rate

  • Course duration (in months)

  • Processing fee

  • Interest rate/ APR for USD lenders

  • How many months will it take to repay this loan?

  • Forex charges

  • Loan Insurance

  • Total amount you will repay in 120 months
    after moratorium

  • $ 1,39,889

    (₹ 1,57,13,967)*

  • ₹ 1,01,55,900

  • ₹ 1,17,61,773

*Note: The above calculations are considering the USD appreciation at an average rate of 5% p.a as per the RBI website and applying them to the monthly appreciation over your moratorium period (Course duration plus 6 months) plus the repayment tenure.

YOU SAVE

  • ₹ 55,58,068 #

    if opting for Indian public sector banks

    Get this deal
  • ₹ 39,52,195 #

    if opting for Indian private sector banks/NBFCs

    Get this deal

#Considering the USD loan of $70,000 with the terms you selected in the calculator

Assumptions:

  • We have assumed that you have taken the whole loan amount in one-go at the start of the course instead of yearly or semester-wise. Typically, the amount will be taken in 4 tranches for a 2 yrs course, hence the total repayable will about 5% lesser for all the options than what is shown above.
  • It is assumed that you are not making any repayments during study period plus 6 months. The total repayable will be slightly lower for all the options in case you make any payments during the moratorium period.

Detailed discussion with examples

Repayment Schedule of your USD loan

Months EMI Interest portion Principal portion Loan Outstanding EMI X USD rate increasing at 5%
1 $ 1165.742596065 $ 713.2125 $ 452.53009606505 $ 89637.469903935 $ 1165.742596065 x ₹ 86.808305789723** = ₹ 101196.13975132
2 $ 1165.742596065 $ 709.62997007282 $ 456.11262599223 $ 89181.357277943 $ 1165.742596065 x ₹ 87.170007063847 = ₹ 101617.79033362
3 $ 1165.742596065 $ 706.01907845038 $ 459.72351761467 $ 88721.633760328 $ 1165.742596065 x ₹ 87.533215426613 = ₹ 102041.19779334
4 $ 1165.742596065 $ 702.3796006026 $ 463.36299546245 $ 88258.270764866 $ 1165.742596065 x ₹ 87.897937157557 = ₹ 102466.36945081
5 $ 1165.742596065 $ 698.71131022185 $ 467.0312858432 $ 87791.239479022 $ 1165.742596065 x ₹ 88.26417856238 = ₹ 102893.31265686
6 $ 1165.742596065 $ 695.01397920893 $ 470.72861685612 $ 87320.510862166 $ 1165.742596065 x ₹ 88.631945973057 = ₹ 103322.03479293
7 $ 1165.742596065 $ 691.28737765882 $ 474.45521840623 $ 86846.05564376 $ 1165.742596065 x ₹ 89.001245747945 = ₹ 103752.54327123
8 $ 1165.742596065 $ 687.53127384643 $ 478.21132221861 $ 86367.844321541 $ 1165.742596065 x ₹ 89.372084271894 = ₹ 104184.84553486
9 $ 1165.742596065 $ 683.7454342122 $ 481.99716185285 $ 85885.847159689 $ 1165.742596065 x ₹ 89.744467956361 = ₹ 104618.94905792
10 $ 1165.742596065 $ 679.92962334753 $ 485.81297271751 $ 85400.034186971 $ 1165.742596065 x ₹ 90.118403239512 = ₹ 105054.86134567
11 $ 1165.742596065 $ 676.08360398019 $ 489.65899208486 $ 84910.375194886 $ 1165.742596065 x ₹ 90.493896586343 = ₹ 105492.58993461
12 $ 1165.742596065 $ 672.20713695952 $ 493.53545910553 $ 84416.839735781 $ 1165.742596065 x ₹ 90.870954488787 = ₹ 105932.14239267
13 $ 1165.742596065 $ 668.2999812416 $ 497.44261482345 $ 83919.397120957 $ 1165.742596065 x ₹ 91.249583465823 = ₹ 106373.5263193
14 $ 1165.742596065 $ 664.36189387424 $ 501.3807021908 $ 83418.016418766 $ 1165.742596065 x ₹ 91.629790063597 = ₹ 106816.74934563
15 $ 1165.742596065 $ 660.3926299819 $ 505.34996608315 $ 82912.666452683 $ 1165.742596065 x ₹ 92.011580855529 = ₹ 107261.81913457
16 $ 1165.742596065 $ 656.39194275041 $ 509.35065331464 $ 82403.315799369 $ 1165.742596065 x ₹ 92.394962442427 = ₹ 107708.74338097
17 $ 1165.742596065 $ 652.35958341167 $ 513.38301265338 $ 81889.932786715 $ 1165.742596065 x ₹ 92.779941452604 = ₹ 108157.52981172
18 $ 1165.742596065 $ 648.29530122816 $ 517.44729483689 $ 81372.485491878 $ 1165.742596065 x ₹ 93.16652454199 = ₹ 108608.18618594
19 $ 1165.742596065 $ 644.19884347737 $ 521.54375258768 $ 80850.941739291 $ 1165.742596065 x ₹ 93.554718394248 = ₹ 109060.72029505
20 $ 1165.742596065 $ 640.06995543605 $ 525.672640629 $ 80325.269098662 $ 1165.742596065 x ₹ 93.944529720891 = ₹ 109515.13996294
21 $ 1165.742596065 $ 635.90838036441 $ 529.83421570064 $ 79795.434882961 $ 1165.742596065 x ₹ 94.335965261394 = ₹ 109971.45304612
22 $ 1165.742596065 $ 631.71385949011 $ 534.02873657494 $ 79261.406146386 $ 1165.742596065 x ₹ 94.729031783317 = ₹ 110429.66743381
23 $ 1165.742596065 $ 627.48613199222 $ 538.25646407283 $ 78723.149682313 $ 1165.742596065 x ₹ 95.123736082414 = ₹ 110889.79104812
24 $ 1165.742596065 $ 623.22493498498 $ 542.51766108007 $ 78180.632021233 $ 1165.742596065 x ₹ 95.520084982757 = ₹ 111351.83184415
25 $ 1165.742596065 $ 618.93000350143 $ 546.81259256362 $ 77633.81942867 $ 1165.742596065 x ₹ 95.918085336852 = ₹ 111815.79781017
26 $ 1165.742596065 $ 614.60107047697 $ 551.14152558808 $ 77082.677903082 $ 1165.742596065 x ₹ 96.317744025756 = ₹ 112281.69696771
27 $ 1165.742596065 $ 610.23786673273 $ 555.50472933232 $ 76527.173173749 $ 1165.742596065 x ₹ 96.719067959197 = ₹ 112749.53737175
28 $ 1165.742596065 $ 605.84012095885 $ 559.9024751062 $ 75967.270698643 $ 1165.742596065 x ₹ 97.122064075693 = ₹ 113219.32711079
29 $ 1165.742596065 $ 601.40755969759 $ 564.33503636746 $ 75402.935662276 $ 1165.742596065 x ₹ 97.526739342675 = ₹ 113691.07430709
30 $ 1165.742596065 $ 596.93990732635 $ 568.8026887387 $ 74834.132973537 $ 1165.742596065 x ₹ 97.933100756603 = ₹ 114164.7871167
31 $ 1165.742596065 $ 592.4368860405 $ 573.30571002455 $ 74260.827263512 $ 1165.742596065 x ₹ 98.341155343089 = ₹ 114640.47372969
32 $ 1165.742596065 $ 587.89821583614 $ 577.84438022891 $ 73682.982883283 $ 1165.742596065 x ₹ 98.750910157018 = ₹ 115118.14237023
33 $ 1165.742596065 $ 583.32361449266 $ 582.41898157239 $ 73100.563901711 $ 1165.742596065 x ₹ 99.162372282673 = ₹ 115597.80129677
34 $ 1165.742596065 $ 578.71279755521 $ 587.02979850984 $ 72513.534103201 $ 1165.742596065 x ₹ 99.57554883385 = ₹ 116079.45880217
35 $ 1165.742596065 $ 574.06547831701 $ 591.67711774804 $ 71921.856985453 $ 1165.742596065 x ₹ 99.990446953992 = ₹ 116563.12321385
36 $ 1165.742596065 $ 569.3813678015 $ 596.36122826354 $ 71325.49575719 $ 1165.742596065 x ₹ 100.4070738163 = ₹ 117048.80289391
37 $ 1165.742596065 $ 564.66017474442 $ 601.08242132063 $ 70724.413335869 $ 1165.742596065 x ₹ 100.82543662387 = ₹ 117536.5062393
38 $ 1165.742596065 $ 559.90160557563 $ 605.84099048942 $ 70118.57234538 $ 1165.742596065 x ₹ 101.2455426098 = ₹ 118026.24168196
39 $ 1165.742596065 $ 555.10536440092 $ 610.63723166413 $ 69507.935113715 $ 1165.742596065 x ₹ 101.66739903734 = ₹ 118518.01768897
40 $ 1165.742596065 $ 550.27115298358 $ 615.47144308147 $ 68892.463670634 $ 1165.742596065 x ₹ 102.0910132 = ₹ 119011.84276268
41 $ 1165.742596065 $ 545.39867072585 $ 620.3439253392 $ 68272.119745295 $ 1165.742596065 x ₹ 102.51639242166 = ₹ 119507.72544085
42 $ 1165.742596065 $ 540.48761465025 $ 625.2549814148 $ 67646.86476388 $ 1165.742596065 x ₹ 102.94354405675 = ₹ 120005.67429686
43 $ 1165.742596065 $ 535.53767938072 $ 630.20491668433 $ 67016.659847196 $ 1165.742596065 x ₹ 103.37247549032 = ₹ 120505.69793976
44 $ 1165.742596065 $ 530.54855712363 $ 635.19403894142 $ 66381.465808254 $ 1165.742596065 x ₹ 103.8031941382 = ₹ 121007.80501451
45 $ 1165.742596065 $ 525.51993764868 $ 640.22265841637 $ 65741.243149838 $ 1165.742596065 x ₹ 104.23570744711 = ₹ 121512.00420207
46 $ 1165.742596065 $ 520.45150826955 $ 645.2910877955 $ 65095.952062042 $ 1165.742596065 x ₹ 104.67002289481 = ₹ 122018.30421958
47 $ 1165.742596065 $ 515.3429538245 $ 650.39964224055 $ 64445.552419802 $ 1165.742596065 x ₹ 105.1061479902 = ₹ 122526.71382049
48 $ 1165.742596065 $ 510.19395665676 $ 655.54863940828 $ 63790.003780393 $ 1165.742596065 x ₹ 105.54409027349 = ₹ 123037.24179475
49 $ 1165.742596065 $ 505.00419659478 $ 660.73839947027 $ 63129.265380923 $ 1165.742596065 x ₹ 105.9838573163 = ₹ 123549.89696889
50 $ 1165.742596065 $ 499.77335093231 $ 665.96924513274 $ 62463.29613579 $ 1165.742596065 x ₹ 106.42545672178 = ₹ 124064.68820626
51 $ 1165.742596065 $ 494.50109440834 $ 671.24150165671 $ 61792.054634134 $ 1165.742596065 x ₹ 106.86889612479 = ₹ 124581.62440712
52 $ 1165.742596065 $ 489.18709918689 $ 676.55549687816 $ 61115.499137256 $ 1165.742596065 x ₹ 107.31418319198 = ₹ 125100.71450882
53 $ 1165.742596065 $ 483.83103483661 $ 681.91156122844 $ 60433.587576027 $ 1165.742596065 x ₹ 107.76132562194 = ₹ 125621.96748594
54 $ 1165.742596065 $ 478.43256831022 $ 687.31002775483 $ 59746.277548272 $ 1165.742596065 x ₹ 108.21033114537 = ₹ 126145.39235046
55 $ 1165.742596065 $ 472.99136392382 $ 692.75123214123 $ 59053.526316131 $ 1165.742596065 x ₹ 108.66120752514 = ₹ 126670.99815192
56 $ 1165.742596065 $ 467.50708333604 $ 698.23551272901 $ 58355.290803402 $ 1165.742596065 x ₹ 109.1139625565 = ₹ 127198.79397755
57 $ 1165.742596065 $ 461.97938552693 $ 703.76321053812 $ 57651.527592864 $ 1165.742596065 x ₹ 109.56860406715 = ₹ 127728.78895246
58 $ 1165.742596065 $ 456.40792677684 $ 709.33466928821 $ 56942.192923576 $ 1165.742596065 x ₹ 110.02513991743 = ₹ 128260.99223976
59 $ 1165.742596065 $ 450.79236064497 $ 714.95023542007 $ 56227.242688156 $ 1165.742596065 x ₹ 110.48357800042 = ₹ 128795.41304076
60 $ 1165.742596065 $ 445.1323379479 $ 720.61025811715 $ 55506.632430039 $ 1165.742596065 x ₹ 110.94392624209 = ₹ 129332.0605951
61 $ 1165.742596065 $ 439.42750673781 $ 726.31508932724 $ 54780.317340711 $ 1165.742596065 x ₹ 111.40619260143 = ₹ 129870.94418091
62 $ 1165.742596065 $ 433.67751228063 $ 732.06508378442 $ 54048.252256927 $ 1165.742596065 x ₹ 111.8703850706 = ₹ 130412.073115
63 $ 1165.742596065 $ 427.881997034 $ 737.86059903104 $ 53310.391657896 $ 1165.742596065 x ₹ 112.33651167506 = ₹ 130955.45675298
64 $ 1165.742596065 $ 422.04060062501 $ 743.70199544004 $ 52566.689662456 $ 1165.742596065 x ₹ 112.80458047371 = ₹ 131501.10448945
65 $ 1165.742596065 $ 416.15295982778 $ 749.58963623727 $ 51817.100026219 $ 1165.742596065 x ₹ 113.27459955901 = ₹ 132049.02575815
66 $ 1165.742596065 $ 410.2187085409 $ 755.52388752415 $ 51061.576138694 $ 1165.742596065 x ₹ 113.74657705718 = ₹ 132599.23003215
67 $ 1165.742596065 $ 404.23747776466 $ 761.50511830038 $ 50300.071020394 $ 1165.742596065 x ₹ 114.22052112825 = ₹ 133151.72682395
68 $ 1165.742596065 $ 398.20889557812 $ 767.53370048693 $ 49532.537319907 $ 1165.742596065 x ₹ 114.69643996628 = ₹ 133706.52568571
69 $ 1165.742596065 $ 392.13258711593 $ 773.61000894912 $ 48758.927310958 $ 1165.742596065 x ₹ 115.17434179948 = ₹ 134263.6362094
70 $ 1165.742596065 $ 386.00817454508 $ 779.73442151997 $ 47979.192889438 $ 1165.742596065 x ₹ 115.65423489031 = ₹ 134823.06802694
71 $ 1165.742596065 $ 379.83527704138 $ 785.90731902366 $ 47193.285570414 $ 1165.742596065 x ₹ 116.13612753568 = ₹ 135384.83081039
72 $ 1165.742596065 $ 373.61351076578 $ 792.12908529927 $ 46401.156485115 $ 1165.742596065 x ₹ 116.62002806708 = ₹ 135948.9342721
73 $ 1165.742596065 $ 367.34248884049 $ 798.40010722455 $ 45602.75637789 $ 1165.742596065 x ₹ 117.10594485069 = ₹ 136515.3881649
74 $ 1165.742596065 $ 361.02182132497 $ 804.72077474008 $ 44798.03560315 $ 1165.742596065 x ₹ 117.59388628757 = ₹ 137084.20228225
75 $ 1165.742596065 $ 354.65111519161 $ 811.09148087344 $ 43986.944122277 $ 1165.742596065 x ₹ 118.08386081377 = ₹ 137655.38645843
76 $ 1165.742596065 $ 348.22997430136 $ 817.51262176369 $ 43169.431500513 $ 1165.742596065 x ₹ 118.57587690049 = ₹ 138228.95056867
77 $ 1165.742596065 $ 341.75799937906 $ 823.98459668599 $ 42345.446903827 $ 1165.742596065 x ₹ 119.06994305425 = ₹ 138804.90452938
78 $ 1165.742596065 $ 335.23478798863 $ 830.50780807642 $ 41514.939095751 $ 1165.742596065 x ₹ 119.56606781697 = ₹ 139383.25829825
79 $ 1165.742596065 $ 328.65993450803 $ 837.08266155702 $ 40677.856434194 $ 1165.742596065 x ₹ 120.06425976621 = ₹ 139964.02187449
80 $ 1165.742596065 $ 322.03303010403 $ 843.70956596101 $ 39834.146868233 $ 1165.742596065 x ₹ 120.56452751524 = ₹ 140547.20529897
81 $ 1165.742596065 $ 315.35366270684 $ 850.38893335821 $ 38983.757934875 $ 1165.742596065 x ₹ 121.06687971322 = ₹ 141132.81865438
82 $ 1165.742596065 $ 308.62141698442 $ 857.12117908062 $ 38126.636755794 $ 1165.742596065 x ₹ 121.57132504535 = ₹ 141720.87206544
83 $ 1165.742596065 $ 301.8358743167 $ 863.90672174835 $ 37262.730034046 $ 1165.742596065 x ₹ 122.07787223304 = ₹ 142311.37569905
84 $ 1165.742596065 $ 294.99661276953 $ 870.74598329552 $ 36391.98405075 $ 1165.742596065 x ₹ 122.58653003401 = ₹ 142904.33976446
85 $ 1165.742596065 $ 288.10320706844 $ 877.63938899661 $ 35514.344661754 $ 1165.742596065 x ₹ 123.09730724249 = ₹ 143499.77451348
86 $ 1165.742596065 $ 281.15522857222 $ 884.58736749283 $ 34629.757294261 $ 1165.742596065 x ₹ 123.61021268933 = ₹ 144097.69024062
87 $ 1165.742596065 $ 274.15224524623 $ 891.59035081882 $ 33738.166943442 $ 1165.742596065 x ₹ 124.12525524221 = ₹ 144698.09728329
88 $ 1165.742596065 $ 267.09382163558 $ 898.64877442947 $ 32839.518169012 $ 1165.742596065 x ₹ 124.64244380572 = ₹ 145301.00602197
89 $ 1165.742596065 $ 259.97951883802 $ 905.76307722703 $ 31933.755091785 $ 1165.742596065 x ₹ 125.16178732157 = ₹ 145906.42688039
90 $ 1165.742596065 $ 252.80889447663 $ 912.93370158841 $ 31020.821390197 $ 1165.742596065 x ₹ 125.68329476875 = ₹ 146514.37032573
91 $ 1165.742596065 $ 245.58150267239 $ 920.16109339266 $ 30100.660296804 $ 1165.742596065 x ₹ 126.20697516362 = ₹ 147124.84686875
92 $ 1165.742596065 $ 238.29689401637 $ 927.44570204868 $ 29173.214594756 $ 1165.742596065 x ₹ 126.73283756013 = ₹ 147737.86706404
93 $ 1165.742596065 $ 230.95461554182 $ 934.78798052323 $ 28238.426614232 $ 1165.742596065 x ₹ 127.26089104996 = ₹ 148353.44151014
94 $ 1165.742596065 $ 223.55421069601 $ 942.18838536904 $ 27296.238228863 $ 1165.742596065 x ₹ 127.79114476267 = ₹ 148971.58084976
95 $ 1165.742596065 $ 216.09521931183 $ 949.64737675321 $ 26346.59085211 $ 1165.742596065 x ₹ 128.32360786585 = ₹ 149592.29576997
96 $ 1165.742596065 $ 208.57717757921 $ 957.16541848584 $ 25389.425433624 $ 1165.742596065 x ₹ 128.85828956529 = ₹ 150215.59700234
97 $ 1165.742596065 $ 200.99961801619 $ 964.74297804886 $ 24424.682455575 $ 1165.742596065 x ₹ 129.39519910515 = ₹ 150841.49532319
98 $ 1165.742596065 $ 193.36206943997 $ 972.38052662508 $ 23452.30192895 $ 1165.742596065 x ₹ 129.93434576808 = ₹ 151470.0015537
99 $ 1165.742596065 $ 185.66405693752 $ 980.07853912752 $ 22472.223389823 $ 1165.742596065 x ₹ 130.47573887545 = ₹ 152101.12656017
100 $ 1165.742596065 $ 177.9051018361 $ 987.83749422895 $ 21484.385895594 $ 1165.742596065 x ₹ 131.01938778743 = ₹ 152734.88125418
101 $ 1165.742596065 $ 170.08472167345 $ 995.6578743916 $ 20488.728021202 $ 1165.742596065 x ₹ 131.56530190321 = ₹ 153371.27659273
102 $ 1165.742596065 $ 162.20243016785 $ 1003.5401658972 $ 19485.187855305 $ 1165.742596065 x ₹ 132.11349066114 = ₹ 154010.32357854
103 $ 1165.742596065 $ 154.25773718783 $ 1011.4848588772 $ 18473.702996428 $ 1165.742596065 x ₹ 132.6639635389 = ₹ 154652.03326011
104 $ 1165.742596065 $ 146.25014872172 $ 1019.4924473433 $ 17454.210549085 $ 1165.742596065 x ₹ 133.21673005364 = ₹ 155296.41673203
105 $ 1165.742596065 $ 138.17916684692 $ 1027.5634292181 $ 16426.647119866 $ 1165.742596065 x ₹ 133.7717997622 = ₹ 155943.48513508
106 $ 1165.742596065 $ 130.04428969894 $ 1035.6983063661 $ 15390.9488135 $ 1165.742596065 x ₹ 134.32918226121 = ₹ 156593.24965648
107 $ 1165.742596065 $ 121.84501144021 $ 1043.8975846248 $ 14347.051228875 $ 1165.742596065 x ₹ 134.8888871873 = ₹ 157245.72153005
108 $ 1165.742596065 $ 113.5808222286 $ 1052.1617738365 $ 13294.889455039 $ 1165.742596065 x ₹ 135.45092421725 = ₹ 157900.91203642
109 $ 1165.742596065 $ 105.25120818573 $ 1060.4913878793 $ 12234.39806716 $ 1165.742596065 x ₹ 136.01530306815 = ₹ 158558.83250324
110 $ 1165.742596065 $ 96.855651365014 $ 1068.8869447 $ 11165.51112246 $ 1165.742596065 x ₹ 136.5820334976 = ₹ 159219.49430534
111 $ 1165.742596065 $ 88.393629719472 $ 1077.3489663456 $ 10088.162156114 $ 1165.742596065 x ₹ 137.15112530384 = ₹ 159882.90886494
112 $ 1165.742596065 $ 79.864617069237 $ 1085.8779789958 $ 9002.2841771183 $ 1165.742596065 x ₹ 137.72258832594 = ₹ 160549.08765188
113 $ 1165.742596065 $ 71.268083068853 $ 1094.4745129962 $ 7907.8096641221 $ 1165.742596065 x ₹ 138.29643244397 = ₹ 161218.04218376
114 $ 1165.742596065 $ 62.6034931743 $ 1103.1391028907 $ 6804.6705612313 $ 1165.742596065 x ₹ 138.87266757915 = ₹ 161889.7840262
115 $ 1165.742596065 $ 53.870308609748 $ 1111.8722874553 $ 5692.798273776 $ 1165.742596065 x ₹ 139.45130369406 = ₹ 162564.32479297
116 $ 1165.742596065 $ 45.06798633406 $ 1120.674609731 $ 4572.1236640451 $ 1165.742596065 x ₹ 140.03235079279 = ₹ 163241.67614628
117 $ 1165.742596065 $ 36.195979007023 $ 1129.546617058 $ 3442.577046987 $ 1165.742596065 x ₹ 140.61581892109 = ₹ 163921.84979688
118 $ 1165.742596065 $ 27.253734955314 $ 1138.4888611097 $ 2304.0881858773 $ 1165.742596065 x ₹ 141.20171816659 = ₹ 164604.85750437
119 $ 1165.742596065 $ 18.240698138195 $ 1147.5018979269 $ 1156.5862879504 $ 1165.742596065 x ₹ 141.79005865896 = ₹ 165290.71107731
120 $ 1165.742596065 $ 9.156308112941 $ 1156.5862879521 $ -1.6657395462971E-9 $ 1165.742596065 x ₹ 142.38085057003 = ₹ 165979.42237346
Sum: ₹ 15713967.251687

**This will be the USD-INR rate 246 months later when you begin your loan repayment. USD-INR is growing at 5% per annum as per RBI website.