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Business Loan Calculator
EMI, interest, and cash-flow impact for MSME and business loans.
Enter values to see your result
Frequently asked questions
What is the difference between a term loan and working capital loan?
A term loan is a lump sum repaid over fixed EMIs (what this calculator covers). Working capital loans (cash credit / overdraft) charge interest only on the amount used.
What are typical business loan rates in India?
Secured business loans: 11%–16% p.a. Unsecured (collateral-free): 14%–24% p.a. MUDRA and government-subsidised schemes offer 8%–12%.
What documents do banks ask for?
KYC, PAN, 2–3 years of ITR, bank statements, GST returns, balance sheet, and proof of business ownership or continuity.
Is a business loan tax-deductible?
Yes. Interest paid on a business loan is a deductible expense under the Income Tax Act, reducing your taxable profit.