Can this calculator be used for working capital finance?
Yes. Use the proposed loan amount, rate and tenure to estimate an EMI, then assess it against expected operating cash flow.
Calculate business loan EMI and assess a repayment plan for working capital, equipment or expansion needs.
Adjust the loan details to compare monthly repayments and the total cost of borrowing.
Loan details
Presets
Loan summary
Principal Investment
₹10,00,000
Interest Surcharge
₹3,11,671
Total Cumulative Payment
₹13,11,671
Use the business loan EMI calculator to plan borrowing for inventory, working capital, equipment or expansion. A clear repayment estimate helps you compare the proposed instalment with expected business cash flow before you apply.
Yes. Use the proposed loan amount, rate and tenure to estimate an EMI, then assess it against expected operating cash flow.
An EMI estimate helps the business plan repayment capacity and compare loan offers with different rates and tenures.
Detailed month-on-month principal and interest allocation breakdown.
| Timeline | Expected EMI | Principal Cleared | Interest Accrued | Outstanding Balance |
|---|---|---|---|---|
| Month 1 | ₹27,326 | ₹15,660 | ₹11,667 | ₹9,84,340 |
| Month 2 | ₹27,326 | ₹15,843 | ₹11,484 | ₹9,68,498 |
| Month 3 | ₹27,326 | ₹16,027 | ₹11,299 | ₹9,52,470 |
| Month 4 | ₹27,326 | ₹16,214 | ₹11,112 | ₹9,36,256 |
| Month 5 | ₹27,326 | ₹16,403 | ₹10,923 | ₹9,19,853 |
| Month 6 | ₹27,326 | ₹16,595 | ₹10,732 | ₹9,03,258 |
| Month 7 | ₹27,326 | ₹16,788 | ₹10,538 | ₹8,86,469 |
| Month 8 | ₹27,326 | ₹16,984 | ₹10,342 | ₹8,69,485 |
| Month 9 | ₹27,326 | ₹17,182 | ₹10,144 | ₹8,52,302 |
| Month 10 | ₹27,326 | ₹17,383 | ₹9,944 | ₹8,34,919 |
| Month 11 | ₹27,326 | ₹17,586 | ₹9,741 | ₹8,17,334 |
| Month 12 | ₹27,326 | ₹17,791 | ₹9,536 | ₹7,99,543 |
| Month 13 | ₹27,326 | ₹17,998 | ₹9,328 | ₹7,81,544 |
| Month 14 | ₹27,326 | ₹18,208 | ₹9,118 | ₹7,63,336 |
| Month 15 | ₹27,326 | ₹18,421 | ₹8,906 | ₹7,44,915 |
| Month 16 | ₹27,326 | ₹18,636 | ₹8,691 | ₹7,26,279 |
| Month 17 | ₹27,326 | ₹18,853 | ₹8,473 | ₹7,07,426 |
| Month 18 | ₹27,326 | ₹19,073 | ₹8,253 | ₹6,88,353 |
| Month 19 | ₹27,326 | ₹19,296 | ₹8,031 | ₹6,69,057 |
| Month 20 | ₹27,326 | ₹19,521 | ₹7,806 | ₹6,49,536 |
| Month 21 | ₹27,326 | ₹19,749 | ₹7,578 | ₹6,29,788 |
| Month 22 | ₹27,326 | ₹19,979 | ₹7,348 | ₹6,09,809 |
| Month 23 | ₹27,326 | ₹20,212 | ₹7,114 | ₹5,89,597 |
| Month 24 | ₹27,326 | ₹20,448 | ₹6,879 | ₹5,69,149 |
| Month 25 | ₹27,326 | ₹20,686 | ₹6,640 | ₹5,48,462 |
| Month 26 | ₹27,326 | ₹20,928 | ₹6,399 | ₹5,27,535 |
| Month 27 | ₹27,326 | ₹21,172 | ₹6,155 | ₹5,06,363 |
| Month 28 | ₹27,326 | ₹21,419 | ₹5,908 | ₹4,84,944 |
| Month 29 | ₹27,326 | ₹21,669 | ₹5,658 | ₹4,63,275 |
| Month 30 | ₹27,326 | ₹21,922 | ₹5,405 | ₹4,41,353 |
| Month 31 | ₹27,326 | ₹22,177 | ₹5,149 | ₹4,19,176 |
| Month 32 | ₹27,326 | ₹22,436 | ₹4,890 | ₹3,96,740 |
| Month 33 | ₹27,326 | ₹22,698 | ₹4,629 | ₹3,74,042 |
| Month 34 | ₹27,326 | ₹22,963 | ₹4,364 | ₹3,51,080 |
| Month 35 | ₹27,326 | ₹23,231 | ₹4,096 | ₹3,27,849 |
| Month 36 | ₹27,326 | ₹23,502 | ₹3,825 | ₹3,04,347 |
| Month 37 | ₹27,326 | ₹23,776 | ₹3,551 | ₹2,80,572 |
| Month 38 | ₹27,326 | ₹24,053 | ₹3,273 | ₹2,56,519 |
| Month 39 | ₹27,326 | ₹24,334 | ₹2,993 | ₹2,32,185 |
| Month 40 | ₹27,326 | ₹24,618 | ₹2,709 | ₹2,07,567 |
| Month 41 | ₹27,326 | ₹24,905 | ₹2,422 | ₹1,82,662 |
| Month 42 | ₹27,326 | ₹25,195 | ₹2,131 | ₹1,57,467 |
| Month 43 | ₹27,326 | ₹25,489 | ₹1,837 | ₹1,31,977 |
| Month 44 | ₹27,326 | ₹25,787 | ₹1,540 | ₹1,06,191 |
| Month 45 | ₹27,326 | ₹26,088 | ₹1,239 | ₹80,103 |
| Month 46 | ₹27,326 | ₹26,392 | ₹935 | ₹53,711 |
| Month 47 | ₹27,326 | ₹26,700 | ₹627 | ₹27,011 |
| Month 48 | ₹27,326 | ₹27,011 | ₹315 | ₹0 |