Business Loan EMI Calculator – InfoBuddy
💼 Free Tool

Business Loan EMI Calculator

Calculate your business loan EMI with GST on processing fees + business cashflow projection to check if your monthly revenue can comfortably cover the EMI.

📌 Current Business Loan Rates (2026): SBI: 10.90%+ HDFC Bank: 10.75%–22.50% Bajaj Finance: 14%–26% ICICI Bank: 10.65%+ Axis Bank: 14.95%+
🧾 GST on Processing Fees Calculator
Processing Fee
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GST Amount
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Total Upfront Cost
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Effective Disbursement
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⚙️ Loan Details
Loan Amount₹10,00,000
₹1 Lakh₹5 Crore
Interest Rate (p.a.)14%
8%30%
Loan Tenure3 Years
1 Year7 Years
Or type your values below
📈 Business Cashflow Projection
EMI Amount
₹0
Monthly Surplus (After EMI)
—
DSCR
—
EMI as % of Net Profit
Recommended: EMI should be <50% of monthly net profit for healthy cashflow
📊 Your Results
Monthly EMI
₹0
per month · 3 years · 14% p.a.
Principal
₹0
Total Interest
₹0
Total Payable
₹0
Principal Amount — 0%
Total Interest — 0%
YearOpening BalancePrincipal PaidInterest PaidClosing Balance
💡 InfoBuddy Tip:

Always factor in the GST on processing fees when calculating the true cost of your business loan — it adds 18% on top of the processing fee and reduces your effective disbursement. Lenders assess your DSCR (Debt Service Coverage Ratio) — a DSCR above 1.25 is generally considered healthy. For a ₹10 lakh loan at 14%, your monthly cashflow should comfortably exceed ₹40,000 above your EMI. Collateral-free business loans have higher rates — consider CGTMSE-backed loans for better rates.

Disclaimer: This calculator provides estimates based on the reducing balance EMI formula. Actual business loan EMI may vary based on lender policies, business vintage, turnover, CIBIL score, and collateral. GST calculation is indicative. Processing fees vary by lender. DSCR calculation is based on inputs provided and is not a substitute for professional financial assessment. This tool is for educational reference only and does not constitute financial advice.