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Business Loan EMI Calculator
Calculate exact monthly EMI, total interest payable, and repayment amortization schedule for your business loan in India.
Instant Amortization
RBI Compliant 2026
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Business Loan EMI Parameters
Adjust loan amount, interest rate, and tenure sliders below.
₹20,00,000
13.5%
5 Yrs
Calculated Monthly EMI
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₹0
Total Interest Outgo
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Total Amount Payable
Principal vs Interest Split
Real-time
Annual Amortization Schedule (First 10 Years)
| Year | Principal Paid | Interest Paid | Remaining Balance |
|---|---|---|---|
| Loading schedule... | |||
MSME & Business Loan Financing Guide (2026 Edition)
Business loans empower micro, small, and medium enterprises (MSMEs) to finance working capital, purchase machinery, expand operations, or boost cash flow.
1. Types of Business Loans Available in India
- Working Capital Loan: Short-term financing to handle day-to-day operational expenses, inventory purchase, and payroll.
- Term Loan: Medium to long-term loan for capital expansion, factory setup, or purchasing machinery.
- PM MUDRA Yojana: Government-backed loan up to ₹10 Lakh for non-farm micro enterprises with zero collateral requirement.
- CGTMSE Guaranteed Loan: Collateral-free credit coverage up to ₹5 Crore for MSMEs backed by Government of India.
2. Government Schemes & Subsidies
| Scheme Name | Max Loan Amount | Collateral Required | Key Highlight |
|---|---|---|---|
| PM MUDRA Yojana | Up to ₹10 Lakh | NO Collateral | Shishu, Kishore & Tarun tiers for small vendors |
| CGTMSE Scheme | Up to ₹5 Crore | NO Collateral | 75% to 85% credit guarantee by Government |
| Stand-Up India | ₹10 Lakh to ₹1 Crore | CGTMSE / Collateral | For SC/ST and Women entrepreneurs |
| PMEGP Scheme | Up to ₹50 Lakh | NO Collateral | 15% to 35% capital subsidy for new projects |
3. Eligibility & Required Documents
- Business Existence: Minimum 2 to 3 years of continuous operation with positive net worth.
- Annual Turnover: Minimum ₹15 Lakh to ₹25 Lakh audited turnover supported by GST returns.
- Key Documents: ITR of last 2 years with Computation of Income, Audited Profit & Loss statement, Balance Sheet, GST Returns (GSTR-3B & GSTR-1), 12-month Bank Statement, PAN & Aadhar of Promoters.