How to plan efficient repayment of educational loan in India ?

If you make it a priority and plan well it can happen with a planned budget. Here are couple of examples:

http://www2.ups.edu/community/tofu/lev2/...
http://www.collegeanswer.com/financing/l...
http://www.socialserve.com/pdfs/BudgetWo...

You can calculate the interest and pay according...monthly,
as well as quarterly...
then keep paying 20% of the salary after finishing studies.

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