| Product Name | XPRESS Business Loan |
|---|---|
| Loan Amount | Up to Rs. 75 lakh |
| Interest Rate | 10.75% onwards |
| Tenure | Up to 48 months |
HDFC Bank Business Loan EMI Calculator
HDFC bank business loan EMI calculator is an online tool that provides applicants the benefit of calculating their loan EMIsin a quick and hassle-free manner. By knowing your EMIs early you can better plan your finances and reduce the risk of missed payments. Applicants can also use Paisabazaar’s Business Loan EMI calculator to calculate their business loan EMIs for free....
HDFC bank business loan EMI calculator is an online tool that provides applicants the benefit of calculating their loan EMIs in a quick and hassle-free manner. By knowing your EMIs early you can better plan your finances and reduce the risk of missed payments. Applicants can also use Paisabazaar’s Business Loan EMI calculator to calculate their business loan EMIs for free.
Calculate your Business Loan EMI Online
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1L1Cr
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1Y 20Y
Your Monthly EMI Payment
₹0
Principal Amount₹0
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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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
Highlights of HDFC Bank Business Loan
How to use HDFC Bank Business Loan EMI calculator?
Using an HDFC bank business loan EMI calculator is really simple and easy. You only need to enter three value:
After entering these details, the calculator will automatically display the loan EMI with the month wise schedule. To enter details, you can also choose the slider to slide and pick the numbers.
Formula to Calculate Loan EMI
The formula used for calculating loan EMI is mentioned below:
The variables represented are as follows:
Amortization Schedule
If you take a loan of Rs. 25 lakh at an interest rate of 13% and a tenure of 6 years, the following will be your amortization schedule.
| Month | Principal (Rs.) | Interest (Rs.) | Principal + Interest (Rs.) | Balance to be Paid (Rs.) |
|---|---|---|---|---|
| 1 | 23102 | 27083 | 50185 | 2476898 |
| 2 | 23352 | 26833 | 50185 | 2453546 |
| 3 | 23605 | 26580 | 50185 | 2429941 |
| 4 | 23861 | 26324 | 50185 | 2406080 |
| 5 | 24119 | 26066 | 50185 | 2381960 |
| 6 | 24381 | 25805 | 50185 | 2357580 |
| 7 | 24645 | 25540 | 50185 | 2332935 |
| 8 | 24912 | 25273 | 50185 | 2308023 |
| 9 | 25182 | 25004 | 50185 | 2282841 |
| 10 | 25454 | 24731 | 50185 | 2257387 |
| 11 | 25730 | 24455 | 50185 | 2231657 |
| 12 | 26009 | 24176 | 50185 | 2205648 |
Sample EMI Calculation
Here is a sample EMI calculation for a business loan where the loan amount and tenure remain the same, but the interest rate varies.
EMI Comparison at Different Interest Rates (Same Tenure)
| Interest Rate (p.a.) | Monthly EMI (Approx.) | Total Payment | Total Interest Payable |
|---|---|---|---|
| 14% | Rs. 34,177 | Rs. 12,30,372 | Rs. 2,30,372 |
| 16% | Rs. 35,166 | Rs. 12,65,976 | Rs. 2,65,976 |
| 18% | Rs. 36,175 | Rs. 13,02,300 | Rs. 3,02,300 |
| 20% | Rs. 37,204 | Rs. 13,39,344 | Rs. 3,39,344 |
Factors Affecting EMI Amount
- Loan amount: The principal amount forms the main part of your EMI. The higher the amount, the more EMI you will have to pay and vice versa.
- Interest rate: The interest rate on your business loan will also directly influence your EMI. Greater the interest rate, the more the EMI and vice versa.
- Repayment tenure: If you choose a longer tenure, your EMIs may decrease but eventually the total interest paid would increase. Hence, choose a tenure that fits in your cash flow the best.
Tips to Reduce EMI Burden
- Opt for a longer tenure (if affordable)
- Maintain a strong credit score to get lower interest rates
- Compare loan offers before applying
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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: 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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