Business Loan Calculator
Business loan EMI and total cost of borrowing.
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How it is calculated
Worked example
₹20,00,000 at 14% for 48 months gives an EMI of about ₹54,653. A 1.5% fee with 18% GST (₹35,400) plus ₹5,000 other charges leaves ₹19,59,600 in hand, which lifts the effective cost above 14%.
About the Business Loan Calculator
Business loan EMI and total cost of borrowing. This free loan & emi tool runs entirely in your browser: nothing you type is sent to a server, and you can save, print or download the result.
What you need to enter
You will be asked for loan amount, interest rate (% per year), tenure (months), processing fee (% of loan amount), other upfront charges (₹). Optional switches: add gst at 18% on the processing fee. Fields marked * are required. Every field shows a hint and the allowed range.
How to use it
- Fill in the inputs (sample values are pre-filled so you can see how it works).
- Press Calculate to see the result, breakdown and chart.
- Use Print, Download PDF or Share to keep the result, or come back to it from your saved history.
Who it helps
Salaried individuals, business owners, investors and professionals who want a quick, transparent estimate before they file, invest or plan. If your case has special facts, our team can review it - ask for a consultation.
Results are estimates based on the rules and rates described under "How it is calculated". Laws change and individual facts differ, so confirm with official sources or a qualified professional before acting. This is not tax, legal or investment advice.
Frequently asked questions
Is business loan interest tax-deductible?
Interest on money borrowed for business is generally allowed as a business expense, subject to the conditions of the Income-tax law in force. Keep the sanction letter and bank statements as proof and confirm with your tax adviser.
Can I claim GST input credit on the processing fee?
A GST-registered business can usually claim input tax credit on GST charged by the lender if the loan is for business use and the usual conditions are met. Check the invoice carries your GSTIN.
What documents will a lender usually ask for?
Typically KYC, business proof such as Udyam or GST registration, ITRs and financial statements, and bank statements. Properly filed returns and books speed up sanction.
Need help beyond the calculator?
Talk to our tax and compliance team for advice based on your documents.