Plan financing for working capital, expansion, or equipment. Adjust amount, tenure, and rate to find an EMI your cash flow can sustain.
payable every month
You may be eligible for up to ₹14,11,985
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4 years
| Year | Principal Paid | Interest Paid | Total Paid | Balance |
|---|---|---|---|---|
| 1 | ₹1,90,664 | ₹1,55,597 | ₹3,46,260 | ₹8,09,336 |
| 2 | ₹2,25,725 | ₹1,20,535 | ₹3,46,260 | ₹5,83,611 |
| 3 | ₹2,67,234 | ₹79,026 | ₹3,46,260 | ₹3,16,377 |
| 4 | ₹3,16,376 | ₹29,884 | ₹3,46,260 | ₹0 |
A business loan funds working capital, inventory, machinery, or expansion — usually without pledging assets for smaller ticket sizes. Use this calculator to estimate your monthly EMI so you can borrow within your repayment capacity and protect your cash flow.
Business loans use the reducing-balance formula: EMI = P × r × (1+r)^n / ((1+r)^n − 1), where P is the loan amount, r is the monthly rate, and n is the tenure in months. Interest is charged only on the outstanding balance.
Unsecured business loans in India range from 14% to 24% p.a., with tenures of 12 to 60 months. Secured loans against property carry lower rates of 9% to 14% p.a. and longer tenures.
Choose a tenure where the EMI stays under 30–40% of your average monthly business surplus. Seasonal businesses should keep a buffer for lean months to avoid missed payments.
Unsecured business loans typically range from ₹50,000 to ₹50 lakh based on turnover, vintage, and bank statements. Loans against property can go much higher depending on collateral value.
KYC, business proof (GST registration / Udyam), 6–12 months of bank statements, and ITR for the last 1–2 years. Loans against property also need property papers.
Most lenders require 1–3 years of business vintage. Newer businesses can explore secured loans, MUDRA loans, or loans with a strong co-applicant.
Many lenders allow part-prepayment after 6–12 EMIs, with foreclosure charges of 2–5%. Some fintech lenders offer zero-foreclosure products — the PDF report compares your options.