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‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.
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Sonam, a 28-year-old baker from Jaipur, stood nervously outside the bank. Her dream to expand "Sonam's Sweet Secrets" needed ₹8,00,000, but the loan terms confused her. "12% interest? 4 years? How much will I pay monthly?" she wondered.
That evening, her CA friend Riya asked, "Have you checked an EMI calculator?" Sonam had not. Riya quickly input the numbers:
The result? ₹21,247/month. Sonam gasped – it fit her budget! Riya smiled, "Now let’s tweak numbers to save more."
As Sonam scribbled calculations, her anxiety faded. The cold numbers felt like a roadmap, not a hurdle. Little did she know, this was just Step 1. The real secrets? Comparing lenders, prepayment tricks, and balancing EMIs with cupcake revenue – all waiting to be uncovered...
Like Sonam, do you know how loan tenure changes your EMI? We will explore this and more in this blog!
A Business Loan EMI Calculator is an online tool that helps you estimate your monthly loan instalments (EMIs). You simply enter details like loan amount, interest rate, and loan tenure, and the calculator instantly shows your monthly EMI.
By using this tool, you can compare different loan options and choose the one that best suits your financial situation. It helps you manage your cash flow better and understand how much budget you need to set aside for loan repayment every month.
Read More – How to Calculate EMI
In 2025, as business loan terms and interest rates may change, using an EMI calculator can help you plan your loan repayment effectively. It ensures that your monthly instalments are balanced with your income and expenses, reducing financial stress and allowing you to focus on growing your business.
Nikhil wants to take a business loan of ₹5,00,000 for 3 years at an interest rate of 12% per annum. Using an EMI calculator, he finds that his monthly EMI will be approximately ₹16,607. Over 36 months, he will repay a total of ₹5,97,852, which includes ₹97,852 as interest. This helps Nikhil plan his monthly budget effectively.
By entering these three values into the EMI calculator, you can find out your monthly EMI, total interest payable, and total repayment amount.
Manav, a 26-year-old from Mumbai, wants to take a business loan with the following details:
EMI =
[P × r × (1 + r)^n] / [(1 + r)^n – 1]
Calculation:
EMI = [5,00,000 × 0.01 × (1 + 0.01)^60] / [(1 + 0.01)^60 – 1] = ₹11,122.22
Description | Amount (₹) |
Ravi wants to take a business loan with the following details:
EMI = [8,00,000 × 0.009167 × (1 + 0.009167)^48] ÷ [(1 + 0.009167)^48 – 1] = ₹20,644.12
Monthly EMI |
11,122.22 |
Total Interest Paid | 1,67,333.20 |
Total Repayment | 6,67,333.20 |
So, Manav will have to pay ₹11,122.22 every month as EMI. Over 5 years, he will pay ₹1,67,333.20 as interest, making the total repayment ₹6,67,333.20.
Through this process, Manav can plan his loan repayment in a convenient way and improve his business financial planning.
While using a Business Loan EMI Calculator, it is important to consider some key factors that can affect your EMI and total repayment.
Manish wants to take a business loan with the following details:
EMI = [10,00,000 × 0.00833 × (1 + 0.00833)^36] ÷ [(1 + 0.00833)^36 – 1] = ₹32,267.68
Description | Amount (₹) |
Monthly EMI | 32,267.68 |
Total Interest Paid | 1,61,636.48 |
Total Repayment | 11,61,636.48 |
So, Manish will need to pay ₹32,267.68 every month as EMI. Over 3 years, he will pay ₹1,61,636.48 as interest, making the total repayment ₹11,61,636.48.
By analysing these factors and using an EMI Calculator, you can plan your business loan smartly and more effectively.
You can find Business Loan EMI Calculators on various financial institutions and online platforms:
Axis Bank: Axis Bank offers its own Business Loan EMI Calculator that helps you know the EMI, interest rates, and eligibility.
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Description | Amount (₹) |
Monthly EMI | 20,644.12 |
Total Interest Paid | 1,10,918.76 |
Total Repayment | 9,10,918.76 |
So, Ravi will have to pay ₹20,644.12 every month as EMI. Over 4 years, he will pay ₹1,10,918.76 as interest, making the total repayment ₹9,10,918.76.
Some of the benefits of using the EMI Calculator are as follows:
In this way, by using a Business Loan EMI Calculator, you can plan your loan in a more organised and systematic manner, which will help in the success of your business.
Lender | Interest Rate |
Axis Bank | Starting from 10.75% |
FlexiLoans | Starting from 1% per month |
HDB Financial Services | 8% – 26% |
HDFC Bank | 10.75% – 25% |
IDFC FIRST Bank | Starting from 10.50% |
Indifi | Starting from 1.50% per month |
Kotak Mahindra Bank | 16% – 26% |
Lendingkart | 12% – 27% |
Mcapital | Starting from 2% per month |
NeoGrowth Finance | 15% – 40% |
Tata Capital | Starting from 12% |
In 2025, using an EMI calculator while taking a business loan can make your financial planning easier and smarter. This tool gives you an accurate estimate of the EMI, total interest, and repayment amount so you can plan funding for your business without any stress.
If your credit score is good, your business turnover is stable, or you have some collateral, then you may get a loan at a lower interest rate, which means your EMI will also be lower.
With the help of an EMI calculator, you can compare loan options from different banks and
NBFCs and choose the most suitable plan. This makes budgeting easier, and your loan instalments can be set according to your monthly income.
If you are planning to take a loan in 2025 for business expansion, new investment, or working capital, then use an EMI calculator to make the right decision. It will help you manage the loan repayment and give financial stability for the growth of your business.
1. Is it difficult to use a Business Loan EMI Calculator?
A. No, it is very easy – just enter the loan amount, interest rate, and tenure, and the EMI will be shown instantly.
2. Is the EMI result from the calculator accurate?
A. Yes, it gives an accurate calculation based on a formula, but the final EMI may be slightly different at the time of the actual loan approval.
3. What to do if you want a lower EMI?
A. You can increase the loan tenure to reduce the EMI, but keep in mind that the total interest payable will be higher.
4. Can you calculate EMI without checking your credit score?
A. Yes, the EMI calculator does not need your credit score, but your credit score will affect the interest rate on the actual loan.
5. Do EMI results vary from bank to bank?
A. Yes, because each bank has different interest rates and fees, the EMIs can vary accordingly.
