Business Loan EMI Calculator

Calculate your business loan EMI easily with our online calculator. Compare different tenures and interest rates to find the best business loan option.

Loan Type

Month	Opening Balance (₹)	Principal (₹)	Interest (₹)	EMI (₹)	Closing Balance (₹)
1	1800000.00	1987.58	27000.00	28987.58	1,798,012.42
2	1798012.42	2017.39	26970.19	28987.58	1,795,995.03
3	1795995.03	2047.65	26939.93	28987.58	1,793,947.38
4	1793947.38	2078.37	26909.21	28987.58	1,791,869.01
5	1791869.01	2109.54	26878.04	28987.58	1,789,759.46
6	1789759.46	2141.19	26846.39	28987.58	1,787,618.28
7	1787618.28	2173.30	26814.27	28987.58	1,785,444.97
8	1785444.97	2205.90	26781.67	28987.58	1,783,239.07
9	1783239.07	2238.99	26748.59	28987.58	1,781,000.08
10	1781000.08	2272.58	26715.00	28987.58	1,778,727.50
11	1778727.50	2306.67	26680.91	28987.58	1,776,420.83
12	1776420.83	2341.27	26646.31	28987.58	1,774,079.57
13	1774079.57	2376.39	26611.19	28987.58	1,771,703.18
14	1771703.18	2412.03	26575.55	28987.58	1,769,291.15
15	1769291.15	2448.21	26539.37	28987.58	1,766,842.94
16	1766842.94	2484.93	26502.64	28987.58	1,764,358.00
17	1764358.00	2522.21	26465.37	28987.58	1,761,835.79
18	1761835.79	2560.04	26427.54	28987.58	1,759,275.75
19	1759275.75	2598.44	26389.14	28987.58	1,756,677.31
20	1756677.31	2637.42	26350.16	28987.58	1,754,039.89
21	1754039.89	2676.98	26310.60	28987.58	1,751,362.91
22	1751362.91	2717.14	26270.44	28987.58	1,748,645.78
23	1748645.78	2757.89	26229.69	28987.58	1,745,887.88
24	1745887.88	2799.26	26188.32	28987.58	1,743,088.62
25	1743088.62	2841.25	26146.33	28987.58	1,740,247.37
26	1740247.37	2883.87	26103.71	28987.58	1,737,363.51
27	1737363.51	2927.13	26060.45	28987.58	1,734,436.38
28	1734436.38	2971.03	26016.55	28987.58	1,731,465.35
29	1731465.35	3015.60	25971.98	28987.58	1,728,449.75
30	1728449.75	3060.83	25926.75	28987.58	1,725,388.92
31	1725388.92	3106.74	25880.83	28987.58	1,722,282.17
32	1722282.17	3153.35	25834.23	28987.58	1,719,128.83
33	1719128.83	3200.65	25786.93	28987.58	1,715,928.18
34	1715928.18	3248.66	25738.92	28987.58	1,712,679.52
35	1712679.52	3297.39	25690.19	28987.58	1,709,382.14
36	1709382.14	3346.85	25640.73	28987.58	1,706,035.29
37	1706035.29	3397.05	25590.53	28987.58	1,702,638.24
38	1702638.24	3448.01	25539.57	28987.58	1,699,190.24
39	1699190.24	3499.73	25487.85	28987.58	1,695,690.51
40	1695690.51	3552.22	25435.36	28987.58	1,692,138.29
41	1692138.29	3605.50	25382.07	28987.58	1,688,532.79
42	1688532.79	3659.59	25327.99	28987.58	1,684,873.20
43	1684873.20	3714.48	25273.10	28987.58	1,681,158.72
44	1681158.72	3770.20	25217.38	28987.58	1,677,388.52
45	1677388.52	3826.75	25160.83	28987.58	1,673,561.77
46	1673561.77	3884.15	25103.43	28987.58	1,669,677.62
47	1669677.62	3942.41	25045.16	28987.58	1,665,735.20
48	1665735.20	4001.55	24986.03	28987.58	1,661,733.65
49	1661733.65	4061.57	24926.00	28987.58	1,657,672.08
50	1657672.08	4122.50	24865.08	28987.58	1,653,549.58
51	1653549.58	4184.34	24803.24	28987.58	1,649,365.24
52	1649365.24	4247.10	24740.48	28987.58	1,645,118.14
53	1645118.14	4310.81	24676.77	28987.58	1,640,807.34
54	1640807.34	4375.47	24612.11	28987.58	1,636,431.87
55	1636431.87	4441.10	24546.48	28987.58	1,631,990.77
56	1631990.77	4507.72	24479.86	28987.58	1,627,483.05
57	1627483.05	4575.33	24412.25	28987.58	1,622,907.72
58	1622907.72	4643.96	24343.62	28987.58	1,618,263.76
59	1618263.76	4713.62	24273.96	28987.58	1,613,550.13
60	1613550.13	4784.33	24203.25	28987.58	1,608,765.81
61	1608765.81	4856.09	24131.49	28987.58	1,603,909.72
62	1603909.72	4928.93	24058.65	28987.58	1,598,980.78
63	1598980.78	5002.87	23984.71	28987.58	1,593,977.92
64	1593977.92	5077.91	23909.67	28987.58	1,588,900.01
65	1588900.01	5154.08	23833.50	28987.58	1,583,745.93
66	1583745.93	5231.39	23756.19	28987.58	1,578,514.54
67	1578514.54	5309.86	23677.72	28987.58	1,573,204.68
68	1573204.68	5389.51	23598.07	28987.58	1,567,815.17
69	1567815.17	5470.35	23517.23	28987.58	1,562,344.82
70	1562344.82	5552.41	23435.17	28987.58	1,556,792.41
71	1556792.41	5635.69	23351.89	28987.58	1,551,156.72
72	1551156.72	5720.23	23267.35	28987.58	1,545,436.49
73	1545436.49	5806.03	23181.55	28987.58	1,539,630.46
74	1539630.46	5893.12	23094.46	28987.58	1,533,737.34
75	1533737.34	5981.52	23006.06	28987.58	1,527,755.82
76	1527755.82	6071.24	22916.34	28987.58	1,521,684.58
77	1521684.58	6162.31	22825.27	28987.58	1,515,522.27
78	1515522.27	6254.74	22732.83	28987.58	1,509,267.52
79	1509267.52	6348.57	22639.01	28987.58	1,502,918.96
80	1502918.96	6443.79	22543.78	28987.58	1,496,475.16
81	1496475.16	6540.45	22447.13	28987.58	1,489,934.71
82	1489934.71	6638.56	22349.02	28987.58	1,483,296.15
83	1483296.15	6738.14	22249.44	28987.58	1,476,558.02
84	1476558.02	6839.21	22148.37	28987.58	1,469,718.81
85	1469718.81	6941.80	22045.78	28987.58	1,462,777.01
86	1462777.01	7045.92	21941.66	28987.58	1,455,731.09
87	1455731.09	7151.61	21835.97	28987.58	1,448,579.47
88	1448579.47	7258.89	21728.69	28987.58	1,441,320.59
89	1441320.59	7367.77	21619.81	28987.58	1,433,952.82
90	1433952.82	7478.29	21509.29	28987.58	1,426,474.53
91	1426474.53	7590.46	21397.12	28987.58	1,418,884.07
92	1418884.07	7704.32	21283.26	28987.58	1,411,179.75
93	1411179.75	7819.88	21167.70	28987.58	1,403,359.87
94	1403359.87	7937.18	21050.40	28987.58	1,395,422.69
95	1395422.69	8056.24	20931.34	28987.58	1,387,366.45
96	1387366.45	8177.08	20810.50	28987.58	1,379,189.37
97	1379189.37	8299.74	20687.84	28987.58	1,370,889.63
98	1370889.63	8424.23	20563.34	28987.58	1,362,465.40
99	1362465.40	8550.60	20436.98	28987.58	1,353,914.80
100	1353914.80	8678.86	20308.72	28987.58	1,345,235.94
101	1345235.94	8809.04	20178.54	28987.58	1,336,426.90
102	1336426.90	8941.18	20046.40	28987.58	1,327,485.73
103	1327485.73	9075.29	19912.29	28987.58	1,318,410.43
104	1318410.43	9211.42	19776.16	28987.58	1,309,199.01
105	1309199.01	9349.59	19637.99	28987.58	1,299,849.42
106	1299849.42	9489.84	19497.74	28987.58	1,290,359.58
107	1290359.58	9632.18	19355.39	28987.58	1,280,727.40
108	1280727.40	9776.67	19210.91	28987.58	1,270,950.73
109	1270950.73	9923.32	19064.26	28987.58	1,261,027.41
110	1261027.41	10072.17	18915.41	28987.58	1,250,955.24
111	1250955.24	10223.25	18764.33	28987.58	1,240,731.99
112	1240731.99	10376.60	18610.98	28987.58	1,230,355.39
113	1230355.39	10532.25	18455.33	28987.58	1,219,823.15
114	1219823.15	10690.23	18297.35	28987.58	1,209,132.92
115	1209132.92	10850.58	18136.99	28987.58	1,198,282.33
116	1198282.33	11013.34	17974.23	28987.58	1,187,268.99
117	1187268.99	11178.54	17809.03	28987.58	1,176,090.44
118	1176090.44	11346.22	17641.36	28987.58	1,164,744.22
119	1164744.22	11516.42	17471.16	28987.58	1,153,227.81
120	1153227.81	11689.16	17298.42	28987.58	1,141,538.64
121	1141538.64	11864.50	17123.08	28987.58	1,129,674.14
122	1129674.14	12042.47	16945.11	28987.58	1,117,631.68
123	1117631.68	12223.10	16764.48	28987.58	1,105,408.57
124	1105408.57	12406.45	16581.13	28987.58	1,093,002.12
125	1093002.12	12592.55	16395.03	28987.58	1,080,409.58
126	1080409.58	12781.44	16206.14	28987.58	1,067,628.14
127	1067628.14	12973.16	16014.42	28987.58	1,054,654.99
128	1054654.99	13167.75	15819.82	28987.58	1,041,487.23
129	1041487.23	13365.27	15622.31	28987.58	1,028,121.96
130	1028121.96	13565.75	15421.83	28987.58	1,014,556.21
131	1014556.21	13769.24	15218.34	28987.58	1,000,786.98
132	1000786.98	13975.77	15011.80	28987.58	986,811.20
133	986811.20	14185.41	14802.17	28987.58	972,625.79
134	972625.79	14398.19	14589.39	28987.58	958,227.60
135	958227.60	14614.16	14373.41	28987.58	943,613.44
136	943613.44	14833.38	14154.20	28987.58	928,780.06
137	928780.06	15055.88	13931.70	28987.58	913,724.18
138	913724.18	15281.72	13705.86	28987.58	898,442.47
139	898442.47	15510.94	13476.64	28987.58	882,931.52
140	882931.52	15743.61	13243.97	28987.58	867,187.92
141	867187.92	15979.76	13007.82	28987.58	851,208.16
142	851208.16	16219.46	12768.12	28987.58	834,988.70
143	834988.70	16462.75	12524.83	28987.58	818,525.95
144	818525.95	16709.69	12277.89	28987.58	801,816.26
145	801816.26	16960.33	12027.24	28987.58	784,855.93
146	784855.93	17214.74	11772.84	28987.58	767,641.19
147	767641.19	17472.96	11514.62	28987.58	750,168.23
148	750168.23	17735.06	11252.52	28987.58	732,433.17
149	732433.17	18001.08	10986.50	28987.58	714,432.09
150	714432.09	18271.10	10716.48	28987.58	696,160.99
151	696160.99	18545.16	10442.41	28987.58	677,615.83
152	677615.83	18823.34	10164.24	28987.58	658,792.49
153	658792.49	19105.69	9881.89	28987.58	639,686.80
154	639686.80	19392.28	9595.30	28987.58	620,294.52
155	620294.52	19683.16	9304.42	28987.58	600,611.36
156	600611.36	19978.41	9009.17	28987.58	580,632.95
157	580632.95	20278.08	8709.49	28987.58	560,354.87
158	560354.87	20582.26	8405.32	28987.58	539,772.61
159	539772.61	20890.99	8096.59	28987.58	518,881.62
160	518881.62	21204.35	7783.22	28987.58	497,677.27
161	497677.27	21522.42	7465.16	28987.58	476,154.85
162	476154.85	21845.26	7142.32	28987.58	454,309.59
163	454309.59	22172.93	6814.64	28987.58	432,136.66
164	432136.66	22505.53	6482.05	28987.58	409,631.13
165	409631.13	22843.11	6144.47	28987.58	386,788.02
166	386788.02	23185.76	5801.82	28987.58	363,602.26
167	363602.26	23533.54	5454.03	28987.58	340,068.71
168	340068.71	23886.55	5101.03	28987.58	316,182.17
169	316182.17	24244.85	4742.73	28987.58	291,937.32
170	291937.32	24608.52	4379.06	28987.58	267,328.80
171	267328.80	24977.65	4009.93	28987.58	242,351.15
172	242351.15	25352.31	3635.27	28987.58	216,998.84
173	216998.84	25732.60	3254.98	28987.58	191,266.25
174	191266.25	26118.59	2868.99	28987.58	165,147.66
175	165147.66	26510.36	2477.21	28987.58	138,637.30
176	138637.30	26908.02	2079.56	28987.58	111,729.28
177	111729.28	27311.64	1675.94	28987.58	84,417.64
178	84417.64	27721.31	1266.26	28987.58	56,696.32
179	56696.32	28137.13	850.44	28987.58	28,559.19
180	28559.19	28559.19	428.39	28987.58	0.00

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Loan & EMI FAQ

Common Frequently Asked Questions about loans and EMIs. This FAQ is shared across all loan types.

Loan & EMI Quick Q/A

Q: What is a loan and how does EMI work?

A: A loan is borrowed money repaid over time. EMI (Equated Monthly Installment) is the fixed monthly payment that includes principal and interest, calculated so the loan is paid off at the end of the tenure.

Q: How is EMI calculated?

A: EMI depends on loan amount, tenure and interest rate. For reducing-balance loans the interest is calculated on outstanding principal; the standard formula uses monthly rate and number of months to compute a fixed EMI.

Q: What are typical eligibility criteria?

A: Lenders check age, income, employment stability, credit history (CIBIL), existing obligations and documentation. Satisfying these increases chances of approval and better rates.

Q: Can I prepay or foreclose a loan?

A: Many lenders allow prepayment (partial or full). Prepayment reduces outstanding principal and future interest. Some lenders may charge a prepayment or foreclosure fee — check your loan terms before paying off early.

Q: Any planning tips?

A: Budget for EMIs, keep an emergency fund, compare lender offers, and watch for processing & prepayment fees to minimize total cost.

View original PDF / Download

This FAQ covers common questions about how EMIs are calculated, differences between reducing-balance and flat-rate loans, prepayment rules, documentation needed, and tips to reduce interest cost.

What is EMI and how is it calculated?
Difference between reducing balance and flat rate interest.
How down payment affects EMI and total interest.
Prepayment, foreclosure and charges to watch for.

Loan-specific FAQs

Specific FAQs for the selected loan type will appear here. (Placeholder — per-loan content can be added later.)