Can I start paying my education loan in moratorium period?
You cannot repay your education loan in the moratorium period as the final EMI starts once the bank decides on your final loan amount at the end of the moratorium period. This will include simple interest on the loan amount till the moratorium period. You can however repay the simple interest component on your loan amount in the moratorium period. Also what you can do is keep a dedicated financial coprus and keep saving for future EMIs in your moratorium period.
For education loans the moratorium period is given so that the student who has borrowed the loan has time to get a job that will help them repay the loan. You can, however, talk to your bank and tell them that you don’t need the moratorium period and would like to start repaying the loan. The bank might make an exception in your case. However, note that this is totally at the discretion of the bank.