Free tool · 2026
Business Loan EMI Calculator
Work out the monthly EMI, total interest and total payout on a business loan, term loan or loan against property before you apply — then get the same numbers checked against live rates from 48+ banks and NBFCs.
Calculate your EMI
Monthly EMI
₹54,356
*Indicative EMI. Actual interest rate depends on lender, credit profile & eligibility.
The result is indicative. Processing fees, insurance and the actual sanctioned rate change the final outflow — send us the file and we will share a lender-wise comparison.
Which rate should you use in the calculator?
| Facility | Typical rate | Tenure | Best suited for |
|---|---|---|---|
| Term Loan (secured) | 9.5% – 14% p.a. | 1 – 7 years | Equipment, expansion, permanent working capital gap |
| Business Loan (unsecured) | 14% – 22% p.a. | 1 – 5 years | Fast funding, no collateral, higher EMI |
| Cash Credit / Overdraft | 9% – 16% p.a. | Renewable yearly | Interest on utilised balance only, no fixed EMI |
| Loan Against Property | 9% – 12.5% p.a. | Up to 15 years | Lowest EMI for the same amount, longest tenure |
Indicative ranges across 48+ empanelled banks and NBFCs. Final pricing is set by the lender based on profile, security and bureau conduct.
Compare before you commit
Term Loan
Fixed EMI, structured repayment.
Cash Credit
Interest only on what you use.
Overdraft
Standby limit against security.
Loan Against Property
Lowest EMI, longest tenure.
Paying too much already? See debt consolidation or read how working capital limits are sized.
Frequently asked questions
How is business loan EMI calculated?
EMI = P × r × (1+r)^n / ((1+r)^n − 1), where P is the loan amount, r is the monthly interest rate (annual rate ÷ 12 ÷ 100) and n is the number of monthly instalments. The calculator on this page applies exactly this formula.
What EMI can my business afford?
Most lenders want total EMI obligations under 50% – 60% of monthly cash profit, measured through your bank statements. If the calculated EMI crosses that, lengthen the tenure or move part of the requirement to a CC/OD limit where interest is charged only on usage.
Does a cash credit or overdraft have an EMI?
No. CC and OD limits are revolving — you pay monthly interest on the utilised balance and the principal stays available. Use this calculator for term loans, unsecured business loans and loan against property.
Can I reduce the EMI on an existing loan?
Yes, through a balance transfer to a lower rate, a longer tenure, or restructuring an unsecured loan into a property-backed facility. Our EMI reduction and interest rate reduction services do exactly this.
Do prepayments change the EMI?
Part-prepayment usually reduces the outstanding principal; you then choose to keep the EMI and shorten the tenure, or keep the tenure and lower the EMI. Floating-rate business loans generally carry no prepayment penalty.
Get your actual EMI from a lender
Share the requirement and we will come back with lender-wise EMI, rate and processing fee — usually within 24 hours.