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up to Rs. 1 Crore

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for all asset classes

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Loan amount
Loan duration
Loan duration
Rate of interest

Monthly EMI

  • Total Amount Payable


  • Total Interest Payable


Total Amount Payable

Total Interest Payable

Disclaimer: The aforementioned values, calculations and results are for illustrative and informational purposes only and may vary basis various parameters laid down by Tata Capital.

What is a Business Loan EMI Calculator?

A business loan EMI calculator is a simple online tool that helps you evaluate the monthly installments that you need to pay for the repayment of your business loan. Your business loan EMI depends primarily on three factors - loan amount, loan tenure, and the applicable rate of interest. Hence, you can enter these three values in a business loan calculator and know your business loan EMI within a few seconds.

Tata Capital’s Business Loan EMI Calculator is incredibly quick and easy to use. You can simply enter the required values in the relevant boxes, and our EMI calculator business loan will instantly display your business loan EMI and the total interest amount payable on your business loan. By knowing your business loan EMI in advance, you can manage your expenses and plan your repayments accordingly.

How to Use Our Business Loan EMI Calculator?

Using our business loan EMI calculator is extremely easy. It is one of the simplest ways to check business loan EMI online.Here’s how you can use our EMI calculator business loan:


Enter Loan amount

Enter the business loan amount that you wish to borrow.


Enter rate of interest

Enter the applicable rate of interest.


Enter loan tenure

Enter the tenure or duration for which you want to take your business loan.

You can either use the sliders or type these values directly in the relevant boxes. Once you input these values in our EMI calculator business loan, it will display your payable EMI and the interest amount within a few seconds



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How Does a Business Loan EMI Calculator Work?

For instance,

  • Suppose you have taken a business loan of Rs. 5 lakhs at an interest rate of 14% per annum for two years

  • Now, you enter these values in a business loan calculator to check your business loan EMI

  • As soon as you enter these values in a business loan EMI calculator, it will first convert the applicable rate of interest into a monthly rate by dividing it by 12. So, the applicable monthly interest rate would be 14/12, i.e., 1.16%

  • Then, it will convert the tenure into months. So, the business loan tenure, in this case, would be 2x12, i.e., 24 months

  • Now, the business loan calculator will integrate these values into the EMI formula:

    EMI = [5,00,000 x 1.16/100 x (1+1.16/100) ^ 24 / [(1+1.66/100) ^ 24 – 1)

    Your payable EMI would turn out to be Rs. 24,006, and the total interest amount would be Rs. 76,155

A business loan EMI calculator uses the following formula to calculate business loan EMI:


EMI = [P x R x (1+R) ^N]/[(1+R) ^(N-1)]

‘P’ is the Principal Business Loan amount,
‘R’ is the applicable rate of interest (monthly),
and ‘N’ is the loan tenure or duration (in months)

What is a Business Loan EMI?

EMI stands for Equated Monthly Installment. It is the amount that you need to pay every month for a fixed tenure to repay a loan. The EMI that you pay constitutes the repayment of the principal loan amount as well as the interest amount. So, in the case of a business loan, the amount that you need to pay every month towards its repayment is known as a business loan EMI.

Business loan EMI primarily depends on three factors - loan amount, loan tenure, and the applicable rate of interest. You can adjust these three parameters to arrive at an EMI amount you’re comfortable with. With Tata Capital, you can avail of a business loan for a tenure of up to 60 months to keep your business loan EMI affordable. To know your EMI in advance, you can use our business loan EMI calculator.

What are the Benefits of Using a Business Loan EMI Calculator?

You can use a business loan EMI calculator to evaluate your business loan EMI in a hassle-free manner. Here are the benefits of using an EMI calculator for a business loan:

  • Calculating your business loan EMI manually can be a time-consuming process. By using a business loan EMI calculator, you can get results instantly

  • You can access a business loan EMI calculator online and use it from the convenience of your home or office

  • Computing business loan EMI by hand is prone to manual errors. However, with a business loan EMI calculator, you will get accurate results every time

  • A business loan EMI calculator can help you compare EMIs for different lending options and choose the best one

  • By knowing your EMIs in advance, you can plan and manage your business loan repayment smartly

Factors That Affect Business Loan EMI

Your business loan EMI primarily depends on three factors. They include:

  • Loan Amount

    The amount that you borrow from a lender plays the most crucial role in determining your business loan EMI. The higher your loan amount is, the higher will be your business loan EMI.

  • Interest Rate

    The rate of interest applicable on your business loan determines the interest that you have to pay on it. A higher rate of interest means larger interest payments and hence, higher EMI.

  • Loan Tenure

    Loan tenure is the duration for which a loan is taken. When you opt for a longer loan tenure, your EMI amount reduces. However, a longer tenure increases the total interest outgo on your business loan.


    If you’re planning to apply for a business loan, you can use a business loan calculator to determine your business loan EMI. You can increase or decrease your loan amount and loan tenure to arrive at a suitable repayment schedule.

Reasons to Calculate EMI Before Taking a Loan

Before you apply for a business loan, it’s prudent to calculate your EMI through a business loan EMI calculator. This will give you an accurate idea of the monthly amount that you will need to pay every month to repay your loan amount.

When you know your EMI payments beforehand, you can estimate your monthly obligations and manage your finances in such a way that your business operations don’t get hampered. This way, you can also choose a suitable business loan amount and tenure as per your cash flow requirements.

Other Business Loan Calculators You Can Use

Apart from the business loan EMI calculator, here are a few other business loan calculators you can use for your convenience:

Business Loan Foreclosure Calculator

You can choose to foreclose your business loan even before the end of its tenure by repaying the entire balance amount. A business loan foreclosure calculator can help you calculate the amount you will need to pay to foreclose your business loan. You can also use a business loan foreclosure calculator to know the interest amount that you can save by opting to foreclose your loan.

Business Loan Pre-Payment Calculator

At times, you may have surplus funds, and you may want to make pre-payments on your business loan. It can help you reduce your loan tenure, EMI, or principal amount. With a business loan pre-payment calculator, you can understand the impact of early loan repayment on your business loan EMI, tenure, and interest amount.

Business Loan GST Calculator

When you apply for a business loan, you are required to pay a Goods and Services Tax (GST) on your loan amount. A business loan GST calculator can help you calculate the GST amount applicable on your business loan. This way, you can review your total borrowing costs and make an informed decision.

More Business Loan products for you

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Business Loan for professionals

At Tata Capital, we provide business loans for professionals with benefits like easy eligibility criteria, minimum documentation, and quick disbursals. 

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Business Loan for women

At Tata Capital, we provide business loans for women entrepreneurs to achieve new heights in the world of business and startups.

What our customers say about us

We are fully satisfied about Tata Capital's services. Just want to say great experiences with customer services and timely response.


Business Loan | 10 April, 2023

It was extraordinary work by Tata Capital upto now. There are no more suggestions.


Business Loan | 17 February, 2023

Overall experience with Tata Capital was up to the mark.


Business Loan | 16 February, 2023

I was impressed with the way your staff handles their customers and if i come accross any family or friend who may be looking for any financial assistance, I shall surely recommend Tata capital


Business Loan | 24 December, 2022

Great service for people like me who really have to grow their bussiness thank you TATA CAPITAL


Business Loan | 07 December, 2022

It's a good experience with the Tata Capital team I am very impressed with your services


Business Loan | 01 November, 2022

My name is Sukanya, and I own a gym. To fund my gym, I took out a business loan from Tata Capital, and I was wowed by how quickly and smoothly the process went. Every time I need a loan for my business, I'm going to select Tata Capital.

Sukanya Giri

Business Loan | 13 March, 2022

I operate an online business and required a loan to fund it. I tried many banks at first, but there was a lot of paperwork involved, and I was unable to obtain a loan. After that, I filed for a Tata Capital Business Loan, which they granted me at a very reasonable interest rate. They offered highly flexible repayment alternatives, as well as excellent customer service that guided me through the entire process. Because of the simple process, I was able to get a loan for my online business without any complications.

Karan Sanghavi

Business Loan | 10 March, 2022

I had just started my business and was unfamiliar with the concept of taking out a loan, but Tata Capital made it extremely easy for me. With my loan, I received wonderful assistance. It is a hassle-free service with a speedy turnaround time and competitive interest rates.

Prakash Mehta

Business Loan | 21 February, 2022

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