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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.

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HDFC Bank
Max Loan Amt.Upto ₹75L
Rate of Interest10.75% - 28%
Tenure uptoUpto 5 Years
Processing FeeUpto 2%
ICICI Bank
Max Loan Amt.Upto ₹50L
Rate of Interest13.25% 19.25%
Tenure uptoUpto 5 Years
Processing FeeUpto 2%
Axis Bank
Max Loan Amt.Upto ₹75L
Rate of Interest15% - 19.25%
Tenure uptoUpto 5 Years
Processing FeeUpto 2%
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How Can I Apply for a Business Loan Online?

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Axis Bank Business Loan Highlights

Interest rate 15% - 19.25%
Loan amount Up to Rs. 75 lakh
Repayment tenure Up to 5 years
Collateral Collateral-free

Note: Interest rates as of 10th February, 2025

Formula to Calculate Business Loan EMI

Formula:

[P x R x (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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Why Choose Paisabazaar?
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image of Know Your <strong>Chances of Approval</strong>

Know Your Chances of Approval

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End-to-End Digital Process

How Can I Apply for a Business Loan Online?

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

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FAQs

Business loan interest rates typically range between 15% and 19.25% p.a., depending on credit profile and loan eligibility.

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

No, these loans are generally collateral-free.

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.

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

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