Business Loan EMI Calculator
Plan a working-capital loan, equipment finance or MSME term loan. See monthly EMI, total interest, and the full month-by-month amortisation.
| Mo. | EMI | Principal | Interest | Balance |
|---|---|---|---|---|
How EMI is calculated.
The standard reducing-balance EMI formula:
EMI = P × r × (1 + r)n / ((1 + r)n − 1)
- P — Principal (loan amount)
- r — Monthly interest rate (annual % / 12 / 100)
- n — Tenure in months
Each month, the EMI is split between interest (charged on the outstanding balance at r) and principal repayment (the rest). Over time, the interest share shrinks and the principal share grows — that's why early-tenure prepayment saves the most.
Typical Indian business-loan rates (FY 2026).
Secured, against current assets / inventory
70-80% LTV, asset hypothecated
Bank, NBFC; based on bank statements
Up to ₹2 Cr collateral-free
Daily/weekly repayment, fast disbursal
Effective rate on discounted invoices
Indicative ranges — actual offers depend on credit score, vintage, ITR, GST history. Ketpy Book Pro exports a "lender-ready" pack: P&L, balance sheet, GSTR-3B summary, ITR-V — straight from your books.
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