Business
Business Loan EMI Calculator
EMI and total cost on an MSME or working capital loan.
₹20 L
₹50,000₹20,00,000₹50 Cr
514%36
15 years15
02%5
Monthly EMI
₹46,537
- Principal70%
- Interest + fees30%
- Total interest
- ₹7,92,190
- Processing fee incl. GST
- ₹47,200
- Total cost of borrowing
- ₹8,39,390
- Effective annual cost
- 8.39%
- Net disbursal
- ₹19,52,800
What this means.Business loan interest is a deductible business expense, so the after-tax cost is lower than the headline rate. Processing fees are usually deducted upfront — you receive less than you borrowed but pay interest on the full amount.
Worth knowing.Results are estimates based on the assumptions you enter. Actual outcomes depend on the exact terms offered to you, the compounding convention your institution uses, and tax law as it applies to your situation. Nothing here is personalised advice.
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