Business Loan EMI Calculator
Business Loan EMI Calculator makes it easier to get money for your startup, inventory, or growth by showing you exactly how much you'll have to pay each month.
It is very important for finance professionals because mismatched EMIs can hurt cash flow and cause defaults in India's competitive lending market, where rates range from 9.75% to 29% per year.
What is the Business Loan EMI Calculator?
A Business Loan EMI Calculator determines your monthly Equated Monthly Installment (EMI) for loans of ₹75 lakhs or more, taking into account the loan amount, interest rate, and term.
It makes use of the reducing balance method, which is common in business loans from banks like HDFC (10.75% -- 22.5%) and NBFCs like Bajaj Finserv (9.75%–25%).
Created for MSMEs and entrepreneurs, it can handle flexible terms (12 to 60 months) and shows total interest, which helps you time your payments with your business's income cycles.
How the Business Loan EMI Calculator Works
This calculator helps small businesses in India avoid borrowing too much money by showing them how their cash flow will be affected.
Fill out the form to get your EMI, amortisation schedule, and prepayment options right away.
E M I = P × r × (1 + r)^n/ (1 + r) ^n − 1
where
P = principal
r = monthly rate (annual/12/100)
n = months.
For example, a loan of ₹50 lakh at 16% per year for 36 months:
Metric | Value |
Monthly EMI | ₹1,80,456 |
Total Interest | ₹14,96,416 |
Total Repayment | ₹64,96,416 |
Per Lakh EMI | ₹3,609 |
How to use Stockify's Business Loan Calculator
For business owners who want to grow, Stockify's tool is easy to use:
Enter the loan amount (₹1–75 lakhs), the interest rate (9–29%), and the loan term (12–60 months).
Customise: Choose a bank or NBFC and add processing fees (1–3%) or prepayment.
Review and export: see EMI breakdown, charts, and a PDF for lender talks.
No problems, works on mobile, and gives results in seconds.
Advantages of Stockify's Business Loan Calculator
Cash Flow Precision:
Stockify's customisable forecasts take into account your business's age and cash inflows to make sure that your EMIs match your seasonal sales cycles perfectly.
Rate Comparison:
You can quickly compare top lenders (10.75%–22.5%) with flexible NBFCs (11.25%–33.75%) all at the same time. You will be prompted for the best deals for your loan size and CIBIL score.
Scenario Testing:
You can check if your ideas would work in real life by imagining that RBI rates go up, people pay off their loans early, or your income suddenly goes up. This allows you to put your plans through their paces and make changes before you sign anything.
India-Focused:
Made for local hustlers with Udyam/MSME registration benefits, GST turnover limits, and tailored details on quick disbursements (2 days from Bajaj Finserv, up to 7 from SMFG India), including lender quirks in Jaipur and collateral-free options up to ₹75 lakhs for fresh companies.
Hassle-Free Checking:
No advertising getting in your way. You can trust us since over 10,000 Indian business owners have stopped using spreadsheets. You get enterprise-level data encryption for peace of mind and rapid, precise planning without memberships, downloads, or hidden fees.
Use Stockify’s calculator to get instant business EMI’s idea.
FAQ
The interest rates on business loans depend on the lender and the size of the loan. It also depends on your credit score and the market at the time. In common, most banks charge between 9.75% and 22.5% per year. Some banks like SBI charge 10.75% and HDFC charges between 10.75% and 22.5% per year. NBFCs charge between 11.25% and 29% per year.
Some of the factors that influence the interest rates include lender's rate, the amount of the loan (higher amounts get better rates), your credit score (750+ gets 1-2% off), duration of the loan, the collateral, and the market conditions (RBI repo is currently about 6.5%).
With this income bracket in the business, you can get a loan of ₹10–20 lakhs. Some conditions that would apply include debt-to-income ratio of 50–60% and CIBIL score of 700 or higher. Any other conditions, the lenders may have their own set of conditions. The lending limit varies from one financial institute to another. Like Bajaj and other lenders will lend you up to five times your income.
Enter the principal, rate, and length of time into the formula or tool. For example, ₹10L at 12% for 5 years equals ₹22,244 EMI. Stockify does it for you.
A digital tool that helps small and medium-sized businesses plan without making mistakes in Excel by figuring out the EMI, interest, and repayment schedules for business loans.
Enter the amount, the rate, and the length of time, then click "calculate" to get instant results with charts. Formula takes care of reducing balance on its own.
For loan disbursal it takes 2 to 7 business days. Approval takes 4 to 5 days with KYC/Udyam.
It uses the EMI formula on a lower principal and takes into account fees and length of time for accurate projections.
Current interest rates on business loans can be bifurcated as: Banks: 9.6% to 22.5%; NBFCs: 12% to 29%. Check Stockify for real-time quotes.
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