Before applying for a business loan, businesses should assess their repayment capacity to avoid straining their finances. Kotak Mahindra Bank business loan EMI calculator is an online tool that can be accessed anytime and from anywhere to calculate the loan EMI. Borrowers can use Paisabazaar’s business loan EMI calculator to calculate their loan EMIs and make smart borrowing decisions.
Kotak Mahindra 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%
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Max Loan Amt.Upto ₹50L
Rate of Interest13.25% 19.25%
Tenure uptoUpto 5 Years
Processing FeeUpto 2%
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Max Loan Amt.Upto ₹75L
Rate of Interest15% - 19.25%
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Kotak Mahindra Bank Business Loan EMI Calculator
How to Use Kotak Mahindra Bank Business Loan EMI Calculator
To use Kotak Mahindra Bank’s business loan calculator, users can follow the steps mentioned below:
The calculator will instantly display the loan EMI, along with total interest and total amount payable. Users can also try different combinations of loan amount, ROI and loan tenure to figure out the best loan option for them.
How does the EMI Calculator work
The formula used for calculating EMIs are as follows:
The variables represented are as follows:
Amortization Schedule
An amortization schedule is a detailed breakdown of your business loan payments, showcasing how much of each payment goes toward interest and principal.
If you borrow Rs. 40 lakh at an interest rate of 13% for a period of 7 years, the following will be your amortization schedule.
| Month | Principal (Rs.) | Interest (Rs.) | Principal + Interest (Rs.) | Balance to be Paid (Rs.) |
|---|---|---|---|---|
| 1 | 29435 | 43333 | 72768 | 3970565 |
| 2 | 29753 | 43014 | 72768 | 3940812 |
| 3 | 30076 | 42692 | 72768 | 3910736 |
| 4 | 30402 | 42366 | 72768 | 3880335 |
| 5 | 30731 | 42037 | 72768 | 3849604 |
| 6 | 31064 | 41704 | 72768 | 3818540 |
| 7 | 31400 | 41368 | 72768 | 3787140 |
| 8 | 31741 | 41027 | 72768 | 3755399 |
| 9 | 32084 | 40683 | 72768 | 3723315 |
| 10 | 32432 | 40336 | 72768 | 3690883 |
| 11 | 32783 | 39985 | 72768 | 3658100 |
| 12 | 33138 | 39629 | 72768 | 3624961 |
Note: This schedule presents an illustrative breakdown of the first 12 instalments out of the total 84-month loan tenure. The interest and principal composition will continue to adjust progressively over the remaining tenure.
EMI Sample Calculation
Provided below is a sample EMI calculation for
EMI Comparison
| Tenure | EMI (Approx.) | Total Interest Payable | Total Repayment |
| 3 Years (36 months) | Rs. 33,214 | Rs. 1,95,704 | Rs. 11,95,704 |
| 5 Years (60 months) | Rs. 22,244 | Rs. 3,34,640 | Rs. 13,34,640 |
| 7 Years (84 months) | Rs. 17,670 | Rs. 4,84,280 | Rs. 14,84,280 |
Key Takeaways:
Note: Choose a tenure that fits your cash flow the best to avoid strain on your finances.
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
Does the Kotak Mahindra Bank business loan EMI calculator consider processing fees?
No, the calculator does not consider processing fees. It calculates EMI based on only three values (tenure, interest rate and amount of the business loan).
How can I reduce my business loan EMI?
You can opt for a longer tenure, negotiate for lower interest rates and prepay whenever feasible to reduce your business loan EMI.
Does part-prepayment change my EMI?
Yes, part prepayment will change your EMI considering your tenure remains the same.
Does checking EMI affect my credit score?
No, calculating your business loan EMI will not have any impact on your credit score.
What factors affect my business loan EMI?
Factors like your loan amount, tenure and interest rate will directly affect your business loan EMI.
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