| Interest rate | 10.99% onwards |
| Loan amount | Up to Rs. 75 lakh |
| Repayment tenure | Up to 5 years |
| Collateral | Collateral-free |
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
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Your Monthly EMI Payment
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Interest Amount₹0
Total Amount₹0
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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: Enter OTP to verify your mobile number.
Step 3: Provide your personal details.
Step 4: Select a bank account for account aggregator consent.
Step 5: Compare offers and apply for the best-suited loan.
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Axis Bank Business Loan Highlights
Formula to Calculate Business Loan EMI
Formula:
[P × R × (1 + R)ⁿ] / [(1 + R)ⁿ – 1]
Wherein,
How to Use the Axis Bank Business Loan EMI Calculator
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
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 |
Why Choose Paisabazaar?
Compare & Choose the Best Offer
Pre-approved Offers with Instant Disbursals
Know Your Chances of Approval
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: Enter OTP to verify your mobile number.
Step 3: Provide your personal details.
Step 4: Select a bank account for account aggregator consent.
Step 5: Compare offers and apply for the best-suited loan.
Apply Now
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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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