Repayments of student loans are usually not deductible expenses for tax purposes.

However if the loan was availed in india, then according to Section 80E, students taking education loans to study in foreign universities can also avail of tax deductions under section 80E. The interest paid on the loan amount will be considered tax-free for a tenure of eight years.

Whereas you are employed in India hence you will be subjected to pay the taxes as applicable 

Yes it can be claimed if taken from an approved institution 

Section 80E of the Income Tax Act, 1961 gives a deduction on interest paid for education loans for higher studies in India or abroad, for up to eight years

Yes, you can claim a deduction under Section 80E of the Income-tax Act for the interest (not principal) on your UK education loan, even if the study was abroad, provided:

The loan was taken from a recognised financial institution/approved charitable institution (UK bank or regulated lender).
You have a proper interest certificate from the lender.

Deduction is allowed for up to 8 years from the year you start paying interest.
If the lender is unregulated or cannot provide proof, the claim may be disallowed. Keep loan documents, interest certificate, and proof of study ready for scrutiny.

Hope this helps 😊

Yes — under Section 80E of the Income Tax Act, 1961, you can claim a tax deduction on the interest portion of your education loan repayments even if:

• The loan was taken from a recognised financial or charitable institution abroad (such as in the UK).

• The education was pursued outside India.

• You are now employed and paying the EMIs from India.

Conditions to note:

1. The deduction is only on the interest component, not the principal.

2. The loan must be for higher education (graduate or post-graduate) for yourself, your spouse, your children, or a student for whom you are the legal guardian.

3. The deduction is available for 8 consecutive years starting from the year you begin repayment, or until the interest is fully repaid — whichever is earlier.

4. You must obtain a certificate from the lender clearly showing the breakup of principal and interest paid during the year.

If your UK institution qualifies as a “recognised financial or approved charitable institution” under Indian tax rules, you can claim this deduction in your Indian income tax return to reduce your taxable income.

Thanks and Regards,
Advocate Aman Verma
Legal Corridor