Free tool
MBBS fee and loan calculator
What an MBBS seat costs for the whole course, and what the loan EMI would be.
Work out what an MBBS seat really costs for the whole course, and what the education-loan EMI would be. Pick a college type, start from an official fee we've verified or type the fee you've been quoted, and change anything.
1. Course cost
| Year | Tuition | Hostel and other | Total |
|---|
2. Education loan
The loan estimate assumes the whole amount is taken at the start and repayment begins a year after the course ends (the usual moratorium: course length plus 12 months), with simple interest during the moratorium. Banks disburse year by year, so real interest during the course is usually lower. Rates and terms vary by bank, collateral and loan size: enter the rate your bank quotes. Fee presets are official 2026-27 figures (tuition only unless the name says otherwise) from our deemed university, state and university pages; check the current notice before you pay.
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How much does MBBS cost in India in total?
Roughly, in tuition for the whole course: a government seat from under ₹3 lakh (Karnataka, about ₹64,000 a year) to about ₹17 lakh (Gujarat's GMERS colleges, ₹3.75 lakh a year); a private college about ₹35 lakh to ₹1 crore, depending on the state and quota; a deemed university about ₹55 lakh to ₹1.6 crore. Hostel and living costs are extra. Use the calculator with the fee you're quoted.
How is the education loan EMI calculated?
With the standard reducing-balance formula: EMI = P × r × (1 + r)^n ÷ ((1 + r)^n − 1), where P is the loan at the start of repayment, r the monthly interest rate and n the number of months. Interest during the course (the moratorium) is either paid monthly or added to the loan; the calculator shows both.
Is the result exact?
No. Banks disburse a loan year by year, so interest during the course is usually lower than this estimate, which assumes the full amount from day one. Fees, exchange rates and interest rates change, so use your bank's sanction letter for the final numbers.
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