Business Loan Calculator
Calculate term loan EMI and working capital interest
Loan Details
Amount: ₹50,00,000
%
years
%
Fee: ₹1,00,000
Term Loan Results
Monthly EMI
₹1,11,222
Principal Amount₹50,00,000
Total Interest₹16,73,334
Processing Fees₹1,00,000
Total Amount Payable₹67,73,334
Effective Interest Rate7.09%
Includes processing fees impact
📊 Loan Breakdown
Interest-to-Principal Ratio:33%
Total Number of EMIs:60
Tax Benefit (approx 30%):₹5,02,000
📋 Business Loan Guidelines
•
Term Loan: Fixed tenure, monthly EMI, used for capex like machinery, expansion
•
Working Capital: Revolving credit, interest on utilized amount, for daily operations
•
Interest Rates: Typically 10-18% depending on credit profile and collateral
•
Tax Benefits: Interest is fully deductible as business expense
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