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Business Loan EMI Options

The 3 How’s of deciding the right EMI

  • How soon do you want to pay off the loan for business?
  • How much can you afford to pay in a month?
  • How much of an interest rate are you comfortable with?

How much EMI do you need to pay?

Equated Monthly Instalment depends on the principal loan amount, the interest rate charged and the period for which the loan is taken. We provide Business Loans with loan tenure up to 36 months.

You can choose your EMI amount that you are comfortable with by using the Business Loans EMI calculator.

How can you repay Business Loan ?

No one understands your business better than you and that’s why we leave it up to you to customise your business loan repayment. You will be in full control of your business loans with us.

Fixed EMI

Under Fixed EMI, the interest and principal component charged to you is fixed during the entire loan tenure.
  • EMI amount remains the same for the entire loan period
Ideal if
You have a consistent income

Structured EMI

Our Structured EMI option allows you to select a repayment method that suits you best
  • Customised EMI options as per your requirement
Ideal if
You expect your income to increase at regular intervals

How can you repay the Business Loan?

You can decide how you want to repay the Business Loan. For a fixed amount of loan and interest, you can choose the tenure and EMI you are comfortable with. The longer the tenure, lower will be the EMI. You can also prepay your loan after meeting defined terms and conditions. 

You can pay your loan through auto debit or ECS facility. In exceptional cases, you can also opt for a post-dated cheque payment facility.


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EMI is short for Equal Monthly Instalments. A business loan EMI is the payment that you need to make every month towards the repayment of your business loan. It is inclusive of principal loan amount and interest amount. You can check your emi by using a business loan EMI calculator.

You can repay business loan amount using various methods such as

  • Post-Dated Cheques,

  • Electronic Clearance Service (ECS) or

  • Direct Debit.

Business loans can be repaid using any of the following EMI options –

  • Fixed EMI – Under this EMI plan, the business loan interest and principal component that you are charged will remain fixed throughout the loan tenure, i.e. the EMI amount will remain unchanged. This EMI plan is ideal if you have a consistent source of income.

  • Structured or Flexible EMI – Under this EMI plan, you can customize your EMI so as to pay less initially with the EMI amount increasing gradually. This plan is ideal if you expect your income to increase at regular intervals.

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