TOOLS · BUSINESS LOAN
Business loan EMI calculator
Before working capital becomes a working worry — see exactly what a borrowing will cost your business each month.
EMI CALCULATOR
Business loan, planned to the rupee.
YOU PAY MONTHLY
₹35,157
for 36 months at 16% p.a.
₹2,65,653Principal
₹10,00,000Total payable
₹12,65,653
BUSINESS LOANS ON OUR PANEL GO UP TO ₹75,00,000 — FOR AMOUNTS BEYOND THE SLIDER, YOUR ADVISOR WILL MODEL IT WITH YOU.
OVERVIEW
An EMI your cash flow can carry.
A business loan EMI works like any other — principal and interest in one fixed monthly payment — but the stakes differ: the instalment must clear from operating cash flow in lean months as well as good ones.
Bankers commonly look for EMIs within 30–40% of average monthly business surplus. Model your borrowing here first, and you'll know whether to trim the amount, stretch the tenure, or negotiate the rate before you commit.
FORMULA
The arithmetic, in the open.
EMI = P × r × (1 + r)n ÷ ((1 + r)n − 1)
P = principal · r = monthly rate (annual ÷ 12 ÷ 100) · n = tenure in months
WORKED EXAMPLE
Borrow ₹10,00,000 at 16% p.a. for 36 months. Monthly rate r ≈ 0.0133, and (1.0133)36 ≈ 1.611. EMI = 10,00,000 × 0.0133 × 1.611 ÷ 0.611 ≈ ₹35,157 a month — about ₹2.66 lakh of total interest over the three years.
FACTORS
What moves a business loan EMI.
Vintage & turnover
Lenders price 3+ years of operations and steady GST-filed turnover at visibly lower rates.
Collateral
Unsecured (collateral-free) loans run 14–24% p.a.; secured facilities can drop several points below that.
Banking discipline
Clean current-account conduct — no cheque bounces, healthy average balance — directly improves the quote.
Promoter's score
For proprietorships and small firms, the owner's personal credit score carries much of the decision.
BENEFITS
Model first, borrow second.
Protect working capital — confirm the EMI clears comfortably even in your slowest quarter.
Price expansion honestly — weigh the machine, the stock or the fit-out against its true monthly cost.
Compare structures — a shorter unsecured loan versus a longer secured one becomes a five-second comparison.
No bureau footprint — model freely; nothing here touches your or your firm's credit record.
HOW TO USE
Three moves, one clear answer.
STEP 01
Enter the amount the business plan actually needs — resist rounding up.
STEP 02
Set a rate from your quotes; unsecured business loans on our panel run 14–24% p.a.
STEP 03
Tune tenure until the EMI fits your monthly surplus with room to breathe — then talk to an advisor.
FAQS
Business borrowing, answered.
Growth shouldn't wait for paperwork.
Tell an advisor about your business — they'll shortlist lenders for your turnover, vintage and sector, collateral-free where possible.
ESTIMATES ONLY — OFFERS DEPEND ON LENDER ELIGIBILITY AND YOUR CREDIT PROFILE.