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 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

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%

Highlights of HDFC Bank Business Loan

Product Name	XPRESS Business Loan
Loan Amount	Up to Rs. 75 lakh
Interest Rate	10.75% onwards
Tenure	Up to 48 months

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:

Loan tenure
Loan amount
Interest rate

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:

EMI = [P × R × (1 + R)ⁿ] / [(1 + R)ⁿ – 1]

The variables represented are as follows:

P: Total loan amount
R: Interest rate levied on the principal amount (monthly)
N: Loan tenure of repayment (in months)

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.

Loan Amount: Rs. 10,00,000
Tenure: 3 years (36 months)

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

EMI Calculators	Business Loan Related Pages
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ICICI Business Loan EMI Calculator	Working Capital Loan
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PNB Business Loan EMI Calculator	MSME Loan
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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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Written By

Vandana Punj

Reviewed By

Shamik Ghosh

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Check Best Business Loan Offers
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HDFC Bank Business Loan EMI Calculator

Calculate your Business Loan EMI Online

Your Monthly EMI Payment

Amortisation schedule

What Does This Mean?

Highlights of HDFC Bank Business Loan

How to use HDFC Bank Business Loan EMI calculator?

Formula to Calculate Loan EMI

Amortization Schedule

Sample EMI Calculation

EMI Comparison at Different Interest Rates (Same Tenure)

Factors Affecting EMI Amount

Tips to Reduce EMI Burden

Related Links

FAQs

Is the HDFC bank business loan EMI calculator free to use?

What details are required to calculate business loan EMI?

Does using the HDFC bank business loan EMI calculator affect my credit score?

Is the EMI amount shown by the Paisabazaar business loan EMI calculator final?

Can I calculate EMI for different loan amounts and tenures?

How accurate is the HDFC bank business loan EMI calculator?

Does the calculator include processing fees or other charges?

Can I use the EMI calculator before applying for a loan?

Why should I use an EMI calculator before taking a business loan?

Business Loan Articles

What our customers say

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