Axis Business Loan EMI Calculator

Knowing your loan EMI beforehand should be the priority task for an applicant. This helps the applicant in planning the loan in a more organized manner, considering the other daily or household expenses. Axis bank business loan EMI calculator gives borrowers instant results by just entering the desired loan amount, interest rate offered and chosen repayment tenure.

Calculate your Business Loan EMI Online

Select Your Bank

Enter Loan Amount

₹

1L1Cr

Rate of Interest (Yearly %)

8%30%

Loan Tenure

1Y 20Y

Your Monthly EMI Payment

₹0

Principal Amount₹0

Interest Amount₹0

Total Amount₹0

Tip Paying one extra EMI every year saves ₹19.6K in interest and closes the loan 8 months earlier.

Amortisation schedule

Monthly EMI

₹ 53,974

Total interest

₹ 24,76,880

Total payment

₹ 64,76,880

Principal 62%Interest 38%

Year

Principal

Interest

EMI paid

Balance

Sep

₹19.0K

₹35.0K

₹54.0K

₹39.81L

Oct

₹19.1K

₹34.8K

₹54.0K

₹39.62L

Nov

₹19.3K

₹34.7K

₹54.0K

₹39.43L

Dec

₹19.5K

₹34.5K

₹54.0K

₹39.23L

Tip Paying one extra EMI every year saves ₹3.14L in interest and closes the loan 13 months earlier.

Reducing-balance method. Final EMI may differ slightly due to rounding.

What Does This Mean?

Your EMI explained in simple language.

Loan amount: ₹ 40,00,000
Interest rate: 10.5% p.a.
Tenure: 10 yr (120 mo)

Monthly EMI is ₹ 53,974
Total repayment is ₹64.77 lakh
Interest contributes 38.2% of total repayment
Your interest component is moderate. Compare offers from multiple lenders to secure a lower rate.
Extending tenure may reduce your EMI but increase the total interest paid

Monthly EMI

₹ 53,974

Total Interest

₹ 24,76,880

Total Repayment

₹ 64,76,880

Interest Share

38.2%

Principal 62%Interest 38.2%

Axis Bank Business Loan Highlights

Interest rate	10.99% onwards
Loan amount	Up to Rs. 75 lakh
Repayment tenure	Up to 5 years
Collateral	Collateral-free

Formula to Calculate Business Loan EMI

Formula:

[P × R × (1 + R)ⁿ] / [(1 + R)ⁿ – 1]

Wherein,

P refers to the loan principal;
R refers to the rate of interest on a monthly basis;
N refers to the loan repayment tenure in months.

How to Use the Axis Bank Business Loan EMI Calculator?

Enter loan amount
Enter applicable interest rate
Select tenure
View EMI instantly
Adjust variables to compare

Amortization Schedule

Suppose you borrow a business loan of Rs. 30 lakh at an interest rate of 15% p.a. and a tenure of 6 years, you will have the following amortization schedule. For the remaining period, the principal component will continue to increase at the same pace, while the interest portion will gradually decrease.

Month	Principal (Rs.)	Interest (Rs.)	Principal + Interest (Rs.)	Balance to be Paid (Rs.)
1	25935	37500	63435	2974065
2	26259	37176	63435	2947806
3	26587	36848	63435	2921218
4	26920	36515	63435	2894298
5	27256	36179	63435	2867042
6	27597	35838	63435	2839445
7	27942	35493	63435	2811503
8	28291	35144	63435	2783212
9	28645	34790	63435	2754567
10	29003	34432	63435	2725564
11	29365	34070	63435	2696199
12	29733	33702	63435	2666466

Why should You Use an Axis Bank Business Loan EMI Calculator?

Helps early estimation of EMI, ensuring repayment affordability
Early planning supports maintenance of a strong credit score by reducing default risk
Helps maintain debt-to-income ration within the preferred lenders’ limit, improving approval chances
Helps applicants compare business loan offers on Paisabazaar

EMI Sample Calculation

Suppose if you borrow a loan of Rs. 20 lakh at 15% p.a., the following will be your EMI for different tenures:

Loan Amount	Interest Rate	Tenure	Monthly EMI (Approx.)	Total Amount Payable	Total Interest
Rs. 30,00,000	15%	1 year	Rs. 1,80,517	Rs. 21,66,199	Rs. 1,66,199
Rs. 30,00,000	15%	2 years	Rs. 96,973	Rs. 23,27,359	Rs. 3,27,359
Rs. 30,00,000	15%	3 years	Rs. 69,331	Rs. 24,95,904	Rs. 4,95,904
Rs. 30,00,000	15%	5 years	Rs. 47,580	Rs. 28,54,792	Rs. 8,54,792
Rs. 30,00,000	15%	7 years	Rs. 38,594	Rs. 32,41,855	Rs. 12,41,855

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FAQs

What is the current interest rate for Axis Bank Business Loans?

Business loan interest rates starts from 10.99% p.a. However, the final rate of interest will be determine depending on credit profile and loan eligibility of the borrower.

What is the maximum loan amount available?

Applicants can avail business loans up to Rs. 75 lakh, subject to eligibility.

Is collateral required for an Axis Bank Business Loan?

No, these loans are generally collateral-free.

How is EMI calculated for a business loan?

EMI is calculated using the standard formula:EMI = [P × R × (1+R)^N] / [(1+R)^N – 1],where P is principal, R is monthly interest rate, and N is tenure in months.

Does using the EMI calculator affect my credit score?

No, using an business loan EMI calculator does not involve a credit inquiry and does not impact your credit score.

Can I prepay my Axis Bank Business Loan?

Yes, prepayment is usually allowed, subject to applicable charges and terms.

What happens if I miss an EMI payment?

Late payment may attract penal charges and negatively impact your credit score.

How long does loan approval take?

Approval timelines depend on documentation and eligibility, but digital applications are usually processed faster.

Can I apply if I already have an existing business loan?

Yes, but approval depends on your repayment history, credit score, and debt-to-income ratio.

Is the EMI fixed throughout the tenure?

If the loan is on a fixed interest rate, the EMI remains constant. For floating rate loans, EMI may change depending on rate revisions.

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Written By

Vandana Punj

Reviewed By

Shamik Ghosh

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*Applicable for selected customers

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Axis Business Loan EMI Calculator

Calculate your Business Loan EMI Online

Your Monthly EMI Payment

Amortisation schedule

What Does This Mean?

Axis Bank Business Loan Highlights

Formula to Calculate Business Loan EMI

How to Use the Axis Bank Business Loan EMI Calculator?

Amortization Schedule

Why should You Use an Axis Bank Business Loan EMI Calculator?

EMI Sample Calculation

FAQs

What is the current interest rate for Axis Bank Business Loans?

What is the maximum loan amount available?

Is collateral required for an Axis Bank Business Loan?

How is EMI calculated for a business loan?

Does using the EMI calculator affect my credit score?

Can I prepay my Axis Bank Business Loan?

What happens if I miss an EMI payment?

How long does loan approval take?

Can I apply if I already have an existing business loan?

Is the EMI fixed throughout the tenure?

Business Loan Articles

What our customers say

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