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Business Loan Pre-Payment Calculator

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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 Pre-Payment Calculator?

When you avail of a business loan, you agree to repay the loan amount in Equated Monthly Instalments or EMIs. In most cases, your business loan EMI remains the same for your entire loan tenure. However, if you have surplus funds, you can choose to make pre-payments on your business loan and reduce your loan EMI, tenure, or principal amount.

A business loan pre-payment calculator is an online tool that can help you calculate business loan pre-payment amount and understand the impact of pre-payment on your business loan EMI, tenure, and other parameters. With Tata Capital’s pre-payment calculator for business loan, you can calculate business loan pre-payment amount and know your revised EMI amount, tenure, and outstanding principal amount.

Are There Any Pre-Payment Charges on a Business Loan?

Yes. The pre-payments on a business loan generally accompany certain charges, known as pre-payment charges. These charges are usually levied by lenders as a certain percentage of the pre-payment amount and may vary from one lending institution to another.

At Tata Capital, we levy very nominal pre-payment charges on our customers. For more details, you can check our business loan fees and charges section. You can also use our business loan pre-payment calculator to know your pre-payment charges and other details.

How to Use a Business Loan Pre-Payment Calculator?

Using a pre-payment calculator for business loan is extremely easy and convenient. Several lenders allow you to access their business loan pre-payment calculator online and evaluate your pre-payment benefits from the convenience of your home or office. 

1

Enter Loan amount

Enter your business loan amount by using the slider or typing directly in the relevant box.

2

Set loan tenure

Enter or set your original business loan tenure or duration for which you’ve taken the loan.

3

Enter interest rate

Enter or set the applicable rate of interest on your business loan.

4

Enter the amount

Enter or set the amount that you want to pay as a pre-payment on your business loan.

5

Enter duration

Enter or set the payment months. If you want to make a one-time payment, enter the value as “1”.

Once you enter these values in our business loan pre-payment calculator, it will instantly display your revised EMI, revised tenure, and the outstanding principal amount after making the pre-payment.

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Popular FAQs

How does a pre-payment calculator for business loans operate?

A business loan pre-payment calculator is an online tool that can help you calculate the pre-payment amount and understand the impact of pre-payment on your business loan EMI, tenure, and other parameters.

Why is it crucial to use a pre-payment calculator for business loans?

There are many benefits to using a pre-payment calculator. A few of them are:

  • It calculates the savings you can make by making pre-payments towards your loan.
  • It tells you how pre-payments will impact your loan's tenure, EMI, and total interest payable.
  • Instead of manually calculating the impact of pre-payment, the calculator quickly gives you the information you need, saving you time and effort.
Can a pre-payment calculator for business loans help me reduce my interest costs?

Yes, a part pre-payment of a business loan can reduce the loan's principal and term, lowering the amount of interest that must be paid.

How can I figure out my pre-payment amount using a business loan pre-payment calculator?

You can evaluate your pre-payment benefits by using a pre-payment calculator online. Follow the steps given below:

  • Enter the business loan amount
  • Select the tenure of the loan.
  • Enter the applicable interest rate on your loan.
  • The amount that you want to pay as pre-payment
  • Enter the payment months. If you want to make a one-time payment, enter the value as "1".

    • Once you enter these details, the updated EMI, tenure, and remaining principal amount following the pre-payment will be presented on your screen.

Which factors should I take into account when using a pre-payment calculator for business loans?

The following are the factors that you need to take into consideration while using a pre-payment calculator:

  • Loan amount
  • Loan tenure
  • Rate of interest
  • Pre-payment amount

    • An important thing to bear in mind while using the pre-payment calculator is the duration in which you’ll make your pre-payment.

Is it difficult to use a pre-payment calculator for business loans?

Using a pre-payment calculator for business loans is easy and convenient. You can access the Tata Capital pre-payment calculator from the comfort of your home. To use it.

What data must I enter into a pre-payment calculator for business loans?

A pre-payment calculator needs more information than an EMI calculator. Below are the details that you need to enter into a pre-payment calculator for a business loan:

  • Loan amount
  • Loan tenure
  • Applicable rate of interest
  • Pre-payment amount.
  • Duration within which you'll pay the pre-payment amount
How reliable are the outcomes of a pre-payment calculator for business loans?

With minimal effort, you get the best and most accurate results using the Tata Capital pre-payment calculator for business loans.

Can I use a pre-payment calculator for business loans for different kinds of loans, including term loans or lines of credit?

Yes, you just need to input the required values like loan amount, loan duration, rate of interest, etc.

How can a pre-payment calculator for business loans help me plan my loan payback strategy?

A pre-payment calculator helps you understand how making a pre-payment will impact your loan's EMI, tenure, and principal amount. It allows you to plan and choose the ideal loan tenure and the amount of pre-payment you should make.

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