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Calculate your business loan EMI, total interest, and full amortization schedule. Pre-filled with typical MSME and business loan rates.
Monthly EMI
₹45,506.15
Total Payment
₹27,30,369
Total Interest
₹7,30,369
Payment Breakdown
Get your monthly repayment, total interest, and cash flow impact in four steps.
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.
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.
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).
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.
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.
Common questions about business loans, MSME financing, and how to use the results.
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