💼 Business Loan EMI Calculator

Business badhane ke liye loan chahiye? Business Loan EMI Calculator se working capital ya term loan ki EMI nikaaliye. Rate aur tenure compare karein — pehle hisab, phir loan.

📅 Last updated: October 2026

Apni EMI calculate karein

Loan offer ki details yahan enter karein.

Loan amount

₹1 lakh₹5 crore

Annual interest rate

8%24%

Loan tenure

1 year7 years

Aapki monthly EMI

₹23,268

per month

Principal amount₹10,00,000

Total interest₹3,96,095

Total amount payable ₹13,96,095

Estimate based on a fixed interest rate and monthly reducing balance.

⚠️ Ye sirf estimate hai, financial advice nahi hai. Disclaimer padhein.

How to Use

Business ke liye loan amount daalein — working capital ho ya term loan.
Interest rate set karein (MSME loans ~11–16%; bina collateral par thoda zyada).
Tenure chunein (1–7 saal sabse common hai).
EMI aur total interest dekhein — monthly cash flow se match karein.

Formula

EMI = P × r × (1+r)ⁿ / ((1+r)ⁿ − 1)

P = loan amount, monthly reducing-balance basis par. Business loan ka interest business expense me deduct hota hai — apne CA se confirm karein.

💡 Example

Example: ₹25 lakh ka business loan, 13% rate, 5 saal → EMI ≈ ₹56,883/month, total interest ≈ ₹9.13 lakh. Processing fee (1–3%) iske alag se lagegi.

FAQs — Business Loan EMI Calculator

Loan amount, annual interest rate aur tenure daaliye — upar calculator EMI, total interest aur total repayment turant nikaal dega.

14% interest, 5 saal par ≈ ₹23,268/month. Total interest ≈ ₹3.96 lakh lagega.

Haan — CGTMSE scheme ke tahat banks ₹5 crore tak collateral-free MSME loans dete hain. Rate thoda zyada hota hai, par property girvi nahi rakhni padti.

Aam taur par 1–3%. ₹10 lakh par 2% fee matlab ₹20,000 — ye disbursement amount me se kat jaati hai.

PAN, Aadhaar, business registration (GST/Udyam), pichhle 2 saal ke ITR, 6–12 mahine ka bank statement. Kuch banks business plan bhi maangte hain.