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Calculate Your Business Loan Using EMI Calculator

Instantly estimate the monthly EMI payments on your business loan.

Loan amount

₹75,000 ₹35,00,000

Loan duration

1 Years 6 Years

Loan duration

12 Months 72 Months

Rate of interest

%
10% p.a 19% p.a

Monthly EMI

  • Total Amount Payable

    0*

  • Total Interest Payable

    0*

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.

Amortisation Schedule

Loan amortisation is the process of repayment of a business loan over the chosen loan settlement period. An amortisation schedule shows the interest component in each loan EMI and also makes a note of the remaining principal balance after each repayment. This schedule offers information on details such as instalment amount, instalment number, due date, principal component, and more.
 

A business loan EMI calculator can help you understand the amortisation schedule of your loan. Knowing your exact monthly EMI helps you make a budget effectively and manage other financial goals of your business. This makes planning for business loan repayments much easier.
 

Here is an amortisation schedule for a business loan of ₹25 lakh for a period of 150 months at an interest rate of 12% per annum.
 

As you can see in the table above, the business loan amortisation schedule shows the interest part in each loan EMI and the balance amount after every repayment. You can also you the interest rate calculator on our app for a business loan to determine the amortisation schedule of different loans.

What is a Business Loan EMI Calculator?

A business loan EMI calculator is the perfect tool for computing the monthly instalments before applying for a loan. This simple tool requires only a few inputs, such as loan amount, interest rate, and term. The EMI calculator for a business loan will calculate your EMIs within seconds after you enter these inputs.
 

Tata Capital’s business loan EMI calculator is quick and user-friendly. All you need to do is input the necessary details, and the calculator will instantly show you the monthly EMI along with the total interest amount payable on your business loan.

How to Use the 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:

    1

    Enter Loan amount

    Enter the business loan amount that you wish to borrow.

    2

    Enter rate of interest

    Enter the applicable rate of interest.

    3

    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 is Business Loan EMI Calculated?

Let’s take an example to understand how this formula is used for calculating EMIs.

Say, you take a business loan of ₹5 Lakhs at an interest rate of 14% per annum for two years.

Now, you need to enter these values in a business loan calculator to check your EMIs.

When you enter these values in an EMI calculator, it will first convert the applicable rate of interest into a monthly rate. So, the monthly interest rate will become 14/12, i.e., 1.16%/

Then, the calculator will convert the tenure into months - 2*12, i.e., 24 months.

Finally, the business loan calculator will integrate these values into the EMI formula, as given below:

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

The final EMI would turn out to be Rs 24,006, and the total interest amount would be ₹76,155.

Business loan EMI is calculated using a standardised formula by the online calculator, which is as follows:

 

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

In this Formula:
‘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)

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.

    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.

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