Your Monthly EMI
Growing a business requires capital. Whether you are planning to expand operations, purchase new machinery, hire staff, or manage working capital needs, a Business Loan can provide the necessary funds. However, managing cash flow is critical for any business. Our Business Loan EMI Calculator helps you estimate your monthly liability before you take on debt. By inputting your loan requirement and interest rate, you can determine an EMI that your business profits can comfortably support, ensuring steady growth without financial strain.
Know your exact monthly outflow to plan inventory purchases and expenses better.
Calculate EMIs for high-ticket business loans up to ₹5 Crores easily.
Ensure your project's ROI exceeds the interest cost before borrowing.
Adjust tenure to see how it impacts your monthly business budget.
Calculations are local. We don't store your sensitive business data.
Yes, the interest component of your Business Loan EMI is considered a business expense. You can deduct it from your gross income, thereby reducing your taxable profit. However, the principal repayment is not tax-deductible.
Unsecured business loans do not require collateral and thus carry a higher interest rate (usually 14%-24%). Secured loans (like Loan Against Property) are backed by an asset, so banks offer lower interest rates (usually 8.5%-12%).
Yes, most lenders allow prepayment or part-payment. However, they may charge a foreclosure fee ranging from 2% to 5% of the outstanding principal amount. It is best to check the loan agreement for specific terms.
A Working Capital Loan is a short-term loan taken to manage the day-to-day operations of a business, such as paying salaries, restocking inventory, or managing cash flow gaps. These typically have shorter tenures than term loans.
