Understanding the Moratorium Period in Education Loans

The moratorium period is a key feature of education loans that offers students financial relief during their study years. It is the period during which borrowers are not required to make any loan repayments, allowing them to concentrate fully on their education without financial pressure.

Generally, this period extends throughout the course duration and up to 6 to 12 months after course completion or until the borrower secures employment — whichever comes earlier. However, paying the interest during the study period can significantly reduce the repayment burden later.

DNS Bank understands the financial challenges students and parents face while pursuing higher education. To ease this journey, the Bank provides a moratorium period on its Education Loan, ensuring that repayments begin only once the student attains financial stability. During this time, interest continues to accrue, but the borrower enjoys the flexibility to start repayment later — making it a truly student-friendly facility.

This initiative reflects DNS Bank’s commitment to empowering students and supporting their educational dreams through accessible and considerate financial solutions. Once the moratorium period concludes, students can conveniently repay the loan through flexible EMIs over a suitable tenure.

By offering this thoughtful benefit, DNS Bank ensures that financial limitations never become a barrier to academic excellence or a brighter future.