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Business Loan Calculator

Calculate your business loan EMI, total interest, and full amortization schedule. Pre-filled with typical MSME and business loan rates.

Home LoanCar LoanPersonal LoanBusiness Loan

Loan Details

₹10K₹1 Cr
13%
1%24%
5 years
1 yr30 yrs

Monthly EMI

₹45,506.15

Total Payment

₹27,30,369

Total Interest

₹7,30,369

Payment Breakdown

Principal (73%)Interest (27%)

Amortization Schedule

How to calculate your business loan EMI

Get your monthly repayment, total interest, and cash flow impact in four steps.

  1. 01

    Enter the loan amount

    Type the business loan amount you need. MSME and business loans in India typically range from ₹1 lakh to several crores depending on your business turnover and collateral.

  2. 02

    Set the interest rate

    Enter the annual interest rate from your lender. Business loan rates in India range from 10% to 18% p.a. for secured loans and up to 24% for unsecured working capital loans.

  3. 03

    Choose the loan tenure

    Select the repayment period. Business term loans typically range from 1 to 10 years. Working capital loans are usually shorter (1–3 years).

  4. 04

    Review EMI and cash flow impact

    The calculator shows your monthly EMI, total interest, and full amortization schedule. Compare the EMI against your projected monthly revenue to assess cash flow impact.

What can you use it for?

From expansion planning to working capital management, here are the most common use cases.

Business expansion planning

Calculate the EMI for a term loan to fund new equipment, a second location, or inventory expansion, and check if projected revenue can comfortably cover repayments.

Working capital management

Estimate the monthly cost of a working capital loan to bridge cash flow gaps between receivables and payables.

Equipment financing

Calculate the EMI for machinery or equipment loans to compare the cost of financing vs outright purchase.

MSME loan eligibility check

Use the calculator to work backwards, enter the EMI you can afford to find the maximum loan amount you should apply for.

Comparing lender offers

Run multiple rate and tenure scenarios to find the most cost-effective financing option across banks, NBFCs, and government schemes.

Loan restructuring analysis

If you're considering restructuring an existing business loan, use the calculator to compare the new EMI and total interest against your current terms.

Frequently asked questions

Common questions about business loans, MSME financing, and how to use the results.

Business loan interest rates in India range from 10% to 18% p.a. for secured term loans and 14–24% p.a. for unsecured working capital loans (as of 2024–25). MSME loans under government schemes like MUDRA can be lower.
The loan amount depends on your business turnover, profitability, credit score, and collateral. Banks typically lend 20–30% of annual turnover for working capital and up to the value of collateral for term loans.
Typically: business registration proof, GST returns, ITR for 2–3 years, bank statements for 6–12 months, audited financials, KYC documents of promoters, and collateral documents (for secured loans).
A term loan is for long-term investments (equipment, expansion) with a fixed repayment schedule. A working capital loan covers short-term operational needs (inventory, salaries) and is usually revolving or short-tenure.
Startups with less than 2–3 years of operations may find it harder to get traditional bank loans. Options include MUDRA loans, SIDBI schemes, CGTMSE-backed loans, and NBFCs that specialise in startup lending.
Secured business loans require collateral (property, machinery, FDs) and offer lower rates. Unsecured loans (like MUDRA Shishu/Kishore) don't require collateral but carry higher rates and lower limits.
No. All calculations run entirely in your browser. Your financial details are never uploaded or stored anywhere.
Yes. The calculator is fully responsive and works on any smartphone or tablet.
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