Check Your Business Loan EMIs
Plan your business finances with precision. A Business Loan EMI Calculator helps you estimate your monthly repayments instantly, based on the loan amount, interest rate, and tenure. Whether you're expanding operations, upgrading equipment, or managing your cash flow, this tool provides clarity on costs, enabling you to make informed decisions. Enter your details to receive a breakdown of your EMI, total interest payable, and comprehensive repayment schedule.
Steps to Calculate Business Loan EMIs
Calculating your Business Loan EMIs is easy and hassle-free. Just adjust the sliders to:
Step 1: Enter the loan amount.
Step 2: Enter the interest rate offered to you.
Step 3: Enter your preferred loan tenure.
The Business Loan EMI calculator will show the estimated amount of your monthly instalment.
Factors That Affect EMIs
- Loan Amount: This is the sanctioned amount you receive upon Business Loan approval. The EMIs on a small-ticket loan will be lower than the EMIs on a big-ticket loan with identical tenure and interest rate.
- Interest Rate: This is the rate at which interest is calculated on the principal amount. High-interest loans lead to higher EMIs as compared to loans with lower rates. You can secure a Business Loan from Poonawalla Fincorp at competitive interest rates.
- Tenure: This is the repayment window and is another critical factor that affects your Business Loan EMI value. In this case, opting for a lower tenure increases the EMI amount as you have a smaller window to repay debt. Alternatively, if you’re looking for affordable EMIs, a long-tenure loan is a better fit.
Benefits of a Business Loan EMI Calculator
- Budget Planning: A Business Loan EMI calculator helps you to calculate your EMIs for the loan you are considering. With the accurate amount, you can plan your monthly business finances with ease.
- Choose a Convenient Tenure: Use the EMI calculator to select a loan tenure at your financial comfort.
- Plan Loan Repayment: Plan your loan repayment as per your financial standing.
- Simplify EMI Calculations: The EMI calculator is easy to use and allows you to understand factors such as loan tenure, loan repayment, monthly EMI, etc. It is advisable to use the EMI calculator while applying for a Business Loan.
- Time Saving: The EMI calculator eliminates the hard work and time required to calculate the loan EMI manually by giving you instant results.
- Understand Loan Cost: With the help of an EMI calculator, you can understand the total cost of the loan, including the interest rate, which gives you an idea of the total loan cost.
How to Minimise your EMIs
There are four ways to reduce the EMI amount:
- Lower the Loan Amount: Choose a lower loan amount to minimise your EMIs. You can also check how much the EMI will reduce with the Business Loan EMI calculator by adjusting the loan amount field.
- Opt for a Longer Tenure: Opt for a longer tenure to spread your EMIs over a longer period. Do remember that this option will make you pay more interest on the Business Loan.
- Secure a Lower Interest Rate: If you manage to secure a loan at a lower interest rate, you can reduce the EMI amount. Having an excellent credit score can help you to achieve the same.
- Prepay Your Loan - Prepay some part of your Business Loan at least once during the loan tenure. This will reduce the remaining loan amount, leading to lower EMIs.
How Business Loan EMI is Calculated
Business Loan EMIs (Equated Monthly Instalments) are calculated using a standard formula that includes the loan amount, interest rate, and loan tenure. Here's how it works:
EMI = P*R*(1+R) ^ n/(1+R) ^ n-1
Where:
- EMI = Monthly instalment
- P = Principal loan amount
- R = Monthly interest rate (annual rate divided by 12 and then by 100)
- N = Loan tenure in months
For Example:
Let’s say:
- Loan Amount (P) = ₹10,00,000
- Annual Interest Rate = 15%
- Tenure = 36 months
Then:
- Monthly Interest Rate (R) = 15 / 12 / 100 = 0.0125
- Tenure in months (N) = 36
Plug these into the formula to get the EMI.
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Frequently Asked Questions
The interest rate is decided based on the market conditions, the lender’s credit policy, and the applicant’s financial profile.
Yes. You can use the Poonawalla Fincorp's EMI calculator for free.
You can simply enter the accurate values into the EMI calculator and click on ‘Download Repayment Schedule’. A PDF file will be automatically downloaded with all the details.
The Business Loan EMI calculator is a tool that can come in handy when planning a loan. As a business owner, you can use it to identify suitable repayment plans based on your business goals.
The MSME Loan calculator is used by micro, small, and medium enterprises to calculate the EMI they need to pay after borrowing a loan from a creditor. The EMI calculator and MSME EMI calculator are the same in terms of usage.
Yes, most calculators are mobile-friendly and easy to use.
Yes, it shows EMI, total interest, and total repayment amount.
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