Business Loan EMI Calculator

Calculate EMI for your MSME, startup or working capital loan. Plan your business finances with accurate monthly instalment estimates.

Loan Amount₹20,00,000

Interest Rate14%

Loan Tenure5 Years

Monthly EMI

₹46,536

Total Interest

₹7.9L

Total Payable

₹27.9L

Interest Ratio

40%

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About Business Loans

Business Loan EMI — What You Need to Know

Business loans help entrepreneurs and MSMEs fund expansion, working capital, equipment purchase, or new ventures. Both banks and NBFCs offer business loans, with options for secured (collateral-based) and unsecured (collateral-free) loans.

💰 Loan Amount

Business loans range from ₹50,000 to ₹5 crore. MSMEs can access collateral-free loans up to ₹2 crore under government schemes like CGTMSE.

📊 Interest Rates

Business loan rates range from 11% to 24% depending on your business vintage, turnover, credit score and whether the loan is secured.

🏛️ Govt Schemes

Schemes like MUDRA loan (up to ₹10 lakh) and Stand-Up India offer business loans at subsidized rates for eligible entrepreneurs.

📋 Documents

Business loans require GST returns, ITR, bank statements, business registration, and 2-3 years of financial statements for higher amounts.

FAQ

Business Loan — Common Questions

What is the EMI for a ₹20 lakh business loan?+

For a ₹20 lakh business loan at 14% interest for 5 years, the monthly EMI is approximately ₹46,536. Use the calculator above for different amounts and tenures.

Can I get a collateral-free business loan?+

Yes. NBFCs and banks offer unsecured business loans up to ₹50 lakh based on your business turnover and credit profile. CGTMSE scheme covers collateral-free loans up to ₹2 crore.

What is the MUDRA loan limit?+

MUDRA loans are available in three categories: Shishu (up to ₹50,000), Kishore (₹50,000 to ₹5 lakh), and Tarun (₹5 lakh to ₹10 lakh) for micro and small businesses.