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Equipment Finance

Avail Digital Equipment Loans
up to Rs. 1 Crore

  • Attractive ROIs
  • Customizable Loan tenure

Equipment Leasing

Avail Leasing solutions
for all asset classes

  • Up to 100% financing
  • No additional collateral required

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:

Fixed EMI Plan

Under the Fixed EMI Plan, the rate of interest and principal amount remain fixed throughout the loan tenure. That is why the EMI amount remains the same for the entire loan period.

This business loan repayment plan is ideal for those who have a steady and consistent income.

Structured EMI Plan

Under our Structured EMI Plan, you can decide your business loan repayment according to your income cycle. You can choose from the customized EMI options as per your requirements.

This business loan repayment plan is ideal for those whose income can increase or decrease at specific intervals.

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.

More Business Loan products for you

Business Loan for professionals
Business Loan for professionals

Business Loan for professionals

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

Business Loan for women
Business Loan for women

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

Entire Service is very professionally organised. Thanks a lot.


Business Loan | 15 February, 2024

I am extremely happy with the services, TATA services are world class . I am proud to be part of their services


Business Loan | 08 February, 2024

Dear Tata Capital finance, your service is good.


Business Loan | 03 February, 2024

Thank you for your exceptionality quick resolution to my queries! Thank you so much.


Business Loan | 31 January, 2024

Overall experience was satisfactory…Keep up the good work!!


Business Loan | 26 January, 2024

Tata capital always support me thanks to tata capital


Business Loan | 23 January, 2024

Good approach and service


Business Loan | 18 January, 2024

Very fast and swift paperwork, smooth disbursement, really appreciate for the swift action and would love to be a part of Tata capital. Thanks Best regards Manisha Sambit Padhi


Business Loan | 11 January, 2024

Best service in minimum time with good support.


Business Loan | 30 December, 2023

Find the right Loan for you

Machinery Loans

If you’re into a manufacturing business, you may need to install the latest machinery or equipment in your factory.

You can apply for a machinery loan with us to fund the purchase of your business-related tools or equipment.

BL Machinery Loans BL Machinery Loans

MSME Loans

MSMEs are the second-largest employer in India after the agriculture sector.

To help these MSMEs grow and flourish without being affected by financial hurdles, Tata Capital offers MSME loans or SME loans at competitive interest rates.


Overdraft Loan

If you’re unsure of the total loan amount that you may need for your business, you can avail of a business loan overdraft facility or an overdraft business loan.

With Tata Capital, you can get an OD loan for business of up to Rs. 90 lakhs at an affordable interest rate.

Overdraft Loan Overdraft Loan

Small Business Loan

Tata Capital’s small business loans are tailor-made loans to help micro and small businesses in India meet their urgent monetary requirements.

You can apply for a new small business loan online and get the funding from the comforts of your home or office.

Small Business Loan Small Business Loan