College Fee Calculator 2026Total Cost of Education & Loan EMI
Calculate total cost of any degree — tuition, hostel, books, and miscellaneous expenses — plus estimate your education loan EMI.
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College Fee Comparison 2026 — All Course Types
Approximate total cost for full degree duration (4-year B.Tech or 2-year MBA). Includes tuition & hostel.
| College Type | B.Tech (4yr) | MBA (2yr) |
|---|---|---|
| IIT (Govt Premier) | ₹8–10L | N/A |
| NIT / IIIT | ₹5.5–8L | N/A |
| IIM A/B/C | N/A | ₹26–30L |
| FMS / JBIMS | N/A | ₹4–7L |
| Top Private (VIT/Manipal) | ₹12–18L | N/A |
| State Govt College | ₹2–5L | ₹1–3L |
| Top Private B-School | N/A | ₹15–22L |
| Online MBA | N/A | ₹2–5L |
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Education Loan Guide 2026 — Interest Rates & Tips
Government Bank Loans (Best Interest Rates)
SBI Scholar Loan (IIT/IIM)
No collateral up to ₹40L+
8.15%
p.a.
SBI Student Loan
No collateral up to ₹7.5L
10.65%
p.a.
Bank of Baroda Education Loan
No collateral up to ₹10L
10.50%
p.a.
Canara Bank Education Scheme
No collateral up to ₹10L
10.50%
p.a.
PNB Saraswati Scheme
No collateral up to ₹10L
10.75%
p.a.
Smart Education Loan Tips
Section 80E Tax Deduction
100% of education loan interest paid is tax-deductible with no upper limit.
Moratorium Period
No EMI during course duration + 6–12 months. Interest accrues.
Pay Simple Interest
Pay simple interest during college to save lakhs in compound interest.
PM Vidya Lakshmi Portal
Single window portal vidyalakshmi.co.in to apply for all PSU bank loans.
Major Scholarships to Lower Total College Cost
PM Scholarship Scheme
₹36,000/yr
Children of ex-servicemen & CMPF
Apply via desw.gov.in
NSP (National Scholarship)
₹10K–50K/yr
SC/ST/OBC/EWS merit students
Apply via scholarships.gov.in
AICTE Pragati Scholarship
₹50,000/yr
Girl students in technical degrees
Apply via aicte-pragati.com
AICTE Saksham Scheme
₹50,000/yr
Differently-abled technical students
Apply via aicte-india.org
Inspire Scholarship (DST)
₹80,000/yr
Top 1% B.Sc/M.Sc science students
Apply via online-inspire.gov.in
College Merit Waivers
10–100% Fee Waiver
Top rankers & sports quota
Apply via College admissions office
Frequently Asked Questions
What is the total cost of B.Tech in India in 2026?
The total cost of a 4-year B.Tech varies by college type: IITs: ₹8–10 lakh total. NITs: ₹5.5–8 lakh total. Top Private Universities (VIT, Manipal, LPU): ₹12–18 lakh total. Mid-tier private colleges: ₹6–10 lakh. State government colleges: ₹2–5 lakh total. Excludes personal travel and laptop expenses.
What is the total cost of MBA at IIM in 2026?
IIM A/B/C charge approximately ₹23–24 lakh as total programme fees for the 2-year MBA/PGP. Including hostel and food, total cost is ~₹26–30 lakh. IIM L/K/I charge ₹19–21 lakh. FMS Delhi is exceptional value at ~₹2.5 lakh total tuition.
How do I get an education loan for college?
Nationalized banks (SBI, PNB, Canara Bank) offer up to ₹7.5–10 lakh without collateral. Interest rates range from 8.15–11% p.a. A moratorium period applies (course duration + 6–12 months) before EMI starts. Interest paid is tax-deductible under Section 80E.
What is the education loan interest rate in 2026?
SBI Scholar Loan (IITs/IIMs): 8.15% p.a. SBI Student Loan: 10.65–11.15% p.a. Axis Bank & HDFC Credila: 11–13% p.a. Female students typically get 0.5% concession at PSU banks.
What costs should I budget for besides tuition?
Budget for: Hostel/accommodation: ₹40,000–1.5L/year, Food: ₹20,000–40,000/year, Books & materials: ₹8,000–30,000/year, Laptop (one-time): ₹35,000–80,000, and travel expenses.
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