Free Tool
How much loan do you actually need?
Add up your project costs, subtract your own funds — and see the exact amount to raise, with the right loan mix.
How Much Loan Do I Need? — Requirement Calculator
Add up what your business needs, subtract your own funds, see the loan amount.
What do you need the money for?
Your own contribution
Loan you need to raise
₹67.50 L
Total requirement ₹82,50,000 (incl. 10% contingency buffer of ₹7.50 L) minus your own ₹15 L.
Indicative only — final sanction depends on lender assessment.
Once you know the amount, check how much you are eligible for or read how much loan can I get.
Frequently asked questions
How do I calculate how much loan my business needs?
List every cost the money will cover — machinery, construction, inventory, receivables and other setup costs — add a 10% contingency buffer, then subtract the own funds you can invest. The balance is the loan you need to raise.
How much of my own money do lenders expect?
Most banks and NBFCs expect a margin contribution of 15%–25% of the total project cost. A higher own contribution improves approval chances and can fetch a better rate.
Should I take one loan or split it?
Usually split: asset purchases (machinery, construction) fit a term loan or loan against property, while inventory and receivables fit a cash credit or overdraft limit. Splitting keeps interest cost low because you pay for working capital only when you use it.
Can I get a loan for 100% of the requirement?
Rarely. Without own margin, most lenders decline. However, pledging a property under LAP can effectively fund close to the full need, since the property acts as the lender's security instead of cash margin.