Business loan EMI Options
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How to Decide the Right EMI for Your Business Loan?
The EMI that you need to pay for your business loan depends upon three crucial factors - loan amount, loan tenure, and the applicable interest rate. While availing of a business loan, you can adjust these three parameters to ensure the right EMI so that you can repay your loan without any hassles.
So, you need to determine the answers to these three how’s to decide on the right EMI for your business loan:
How soon do you want to pay off your business loan?
How much EMI can you afford to pay every month?
How much interest do you want to pay on your business loan?
With Tata Capital Business Loan Flexi EMI Plans, you can choose to repay your business loan as per your business’ productivity and convenience.
How to Calculate the EMI that You Need to Pay?
Once you’ve decided on your business loan amount, tenure, and rate of interest, you can calculate the EMI that you will need to pay for your business loan. To calculate your business loan EMI, you can simply enter these values in a Business Loan EMI Calculator. With Tata Capital, you have the flexibility to choose your business loan amount and business loan tenure as per your repayment capability.
We provide business loans of up to Rs. 90 lakhs for tenures of up to 60 months. You can increase or decrease your loan amount and tenure to arrive at an EMI figure you’re comfortable with. You can also choose from our business loan EMI plans if you want to alter your EMI amount.
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What are the Available Business Loan EMI Options?
No one understands your business better than you. And that’s why we leave it to you to decide how you want to repay your business loan. With Tata Capital business loan EMI plans, you will be in full control of your business loan repayment. You can choose the suitable business loan EMI option as per your income pattern.Below are the two business loan EMI plans you can choose from:
How Can You Repay Your Business Loan?
With our business loan Flexi EMI plans, you have the flexibility to decide how you want to repay your business loan. For the fixed EMI option, you can select an appropriate loan amount and tenure to arrive at an EMI amount you’re comfortable with. The longer the tenure you choose, the lower your EMIs will be.
Then, you can pay your business loan EMIs through the auto debit facility or Electronic Clearing Service (ECS). In exceptional cases, you can also pay your EMIs through post-dated cheques. You can even choose to pre-pay or foreclose your Business Loan as per the defined terms and conditions.
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Popular FAQs
EMI for Business loan tenure is the duration for which you are required to pay your business loan EMIs to the lender. Usually, lenders allow you to choose your business financing EMI tenure at the time of loan approval. With Tata Capital, you have the flexibility to select your business funding EMI tenure between 12 months and 60 months.
But while choosing your EMI tenure for business finance, you must remember a few things. If you choose a shorter tenure, your EMI amount will increase, but your overall interest outgo will reduce. On the other hand, if you opt for a longer tenure, your business loan repayment will get spread, and hence, the EMI amount will reduce. However, the total interest you would pay on your business funding will increase.
Yes. You can choose to make full or partial prepayments on your loan for business if you have surplus funds with you. When you do so, your principal outstanding loan amount gets reduced, and subsequently, your EMI on business finance also decreases. Moreover, you can save on your total interest outgo by making partial prepayments towards your business loan.
However, you may incur certain charges when you prepay your business loan. These charges are known as prepayment or foreclosure charges. At Tata Capital, we levy a prepayment charge of 4.5% of the principal outstanding amount plus GST. No prepayment is allowed in the first nine months.
At Tata Capital, you have the flexibility to choose from multiple EMI options for business loan to repay your business funding. Below are the benefits of choosing the right EMI option for your business loan:
It allows you to repay your business loan without feeling any financial burden
You will remain in full control of your finances
You can repay the loan as per your income pattern
It’s you who will decide how you will repay your business financing
At Tata Capital, you can choose from the following EMI options on business loan:
Fixed EMI Plan
Structured EMI Plan
Under this EMI option for business loan, the EMI amount remains the same throughout your loan tenure. This option is ideal for you if you have a steady source of income.
Under this EMI option for business loan, you can decide your EMI amount as per your income cycle. This plan is ideal for you if you are into a seasonal business with no fixed income.
You can choose a suitable business finance EMI option and pay your business funding EMIs through an auto-debt facility or Electronic Clearing Service (ECS). In exceptional cases, you can pay your EMIs on business loan through post-dated cheques (PDCs).
Yes. You can calculate the EMI amount for your business loan in advance by using a business loan EMI calculator. All you have to do is follow these steps:
Step 1 – Go to the EMI Calculator for Business Loan page.
Step 2 – Enter the loan amount.
Step 3 – Enter the loan tenure in months or years.
Step 4 – Enter the applicable rate of interest.
As soon as you enter these values, your EMI on business financing will be displayed on the screen.
The tenure for EMI payment refers to the duration or months for which you are required to pay your EMI on business loan to the lender. You have to choose your EMI tenure at the time of applying for the loan.
At Tata Capital, you have the flexibility to select your business finance EMI tenure between 12 months and 60 months. Additionally, you can choose from the two business funding EMI options to repay your loan amount.
At Tata Capital, we are very transparent about rates and charges. Common charges, such as interest rates, processing charges, prepayment charges, etc., will be known to you before loan disbursal. Some other charges are also levied under special circumstances. These charges include:
EMI bounce charges
Mandate rejection service charge
Payment instrument swapping charge
Post-dated cheque charge
Payment collection charges
For complete details of our business loan rates and charges.
Yes. You can prepay your EMI on business loan before the end of its tenure if you have surplus funds. However, you may have to pay certain prepayment or foreclosure charges when you do so. At Tata Capital, we levy a prepayment charge of 4.5% of the principal outstanding amount plus GST. Also, note that no prepayment is allowed in the first nine months. 6.5% charges are levied if you foreclose your business lending within nine months.
If you miss your EMI on business loan payment, you will receive a reminder from us to make your payment at the earliest, along with the late payment penalty. You may incur an EMI bounce charge of Rs. 2,000. The best way to ensure that you do not miss out on your EMI payments is to sign up for an auto-debit facility through the Electronic Clearing System (ECS). Your business loan EMIs will be deducted from your bank account automatically.
With Tata Capital, you can choose from multiple EMI options for business lending and repay your loan as per your business’ productivity and convenience. Our business loan EMI options are available for all types of borrowers, including self-employed professionals and micro, small, and medium enterprise (MSME) owners.
Fixed EMI Plan
Structured EMI Plan
Below are the two EMI options available with Tata Capital:
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