🏢 Business Loan EMI Calculator
Calculate your business loan EMI and check eligibility by purpose — working capital, expansion or equipment purchase — using turnover-based limits. Advanced mode adds rate comparison, prepayment and balance transfer.
EMI Calculator
Full 6-module loan deep analysis
🔒 Locked to Business. Switch loan type.
Step 1 of 7
How much loan can you get?
Banks use FOIR (Fixed Obligation to Income Ratio) to cap your total EMI burden.
Net Monthly Income
Take-home salary or business income after tax
Existing EMIs / Month
All current loan repayments combined
FOIR Limit
Most banks allow 40–50% of income toward all EMIs
Enter your monthly income to calculate maximum loan eligibility.
Index
EMI & Loan Questions — Answered Directly
25 questions across Home, Personal, Car, and Education loans. India-specific, updated for RBI 2025–26 rules, no lender recommendations.
Home Loan EMI
Personal Loan EMI
Car Loan EMI
Education Loan EMI
General EMI
What This Business Loan Calculator Does
- Purpose-aware eligibility: working capital (20–25%), expansion (15–20%), equipment (70–80% asset-backed)
- EMI and total interest for any amount, rate and tenure
- Turnover-based limits so the eligible amount reflects how lenders actually assess MSMEs
- Prepayment and step-up modelling for lumpy business cash flows
- Balance transfer verdict with break-even after fees and 18% GST
Business Loan EMI — Frequently Asked Questions
How is business loan EMI calculated?
Business loans use the same reducing-balance EMI formula. Rates vary widely (typically 11–22% p.a.) by lender, purpose and whether the loan is secured. EMI and total interest depend on the amount, rate and tenure you enter.
How is business loan eligibility decided?
Lenders size the loan to purpose and turnover: working capital around 20–25% of annual turnover, expansion 15–20%, and equipment loans up to 70–80% of the asset cost (asset-backed). Cash flow, vintage and credit history then refine the offer.
Can I prepay a business loan?
Usually yes, but check the sanction terms. Floating-rate loans to individuals for non-business purposes get RBI's 2025 zero-charge treatment, but most business loans are treated separately and may carry foreclosure charges of 2–5% — model the impact before prepaying.
Other Loan Types
Each loan type has its own calculator with type-specific logic. The all-in-one EMI Calculator hub lets you pick any type and switch freely.