| 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
Calculate your Business Loan EMI Online
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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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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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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
Related Links
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
Is the HDFC bank business loan EMI calculator free to use?
Yes, the EMI calculator is completely free and can be used multiple times without any charges.
What details are required to calculate business loan EMI?
You need to enter the loan amount, applicable interest rate, and repayment tenure to get the EMI amount.
Does using the HDFC bank business loan EMI calculator affect my credit score?
No, using the EMI calculator does not impact your credit score as it is only a calculation tool.
Is the EMI amount shown by the Paisabazaar business loan EMI calculator final?
The calculated EMI is an estimate. The final EMI may vary depending on the loan approval terms and interest rate offered by the bank.
Can I calculate EMI for different loan amounts and tenures?
Yes, you can adjust the loan amount, interest rate, and tenure multiple times to compare different repayment scenarios.
How accurate is the HDFC bank business loan EMI calculator?
The calculator provides accurate results based on the values entered. However, actual loan terms may slightly differ at the time of disbursal.
Does the calculator include processing fees or other charges?
No, the EMI calculator generally calculates only the principal and interest amount. Processing fees and other charges are not included.
Can I use the EMI calculator before applying for a loan?
Yes, it is advisable to use the calculator before applying to understand your repayment obligation and plan your finances better.
Why should I use an EMI calculator before taking a business loan?
Using the calculator helps you assess affordability, choose a suitable tenure, avoid financial strain, and reduce the chances of loan default.
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