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SBI Business Loan EMI Calculator

Every loan decision should start with repayment visibility. The SBI business loan EMI calculator enables businesses to calculate their repayments beforehand for a smooth loan journey. Applicants can use the Paisabazaar’s business loan EMI calculator online for free to get accurate and quick results.

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Your Monthly EMI Payment

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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.

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How to Use SBI Business Loan EMI Calculator by Paisabazaar

Follow the simple steps mentioned below to use the SBI business loan calculator by Paisabazaar:

  • Enter the desired SBI business loan amount
  • Choose the applicable rate of interest
  • Choose the desired tenure
  • Click on the ‘Calculate’ button

As soon as you click calculate, the calculator views your estimated EMI, total interest payable and total repayment amount instantly on the screen.

Amortization Schedule

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.

How to Reduce Your SBI Business Loan EMI

  • During the application process of your business loan, choose a longer tenure to reduce your EMI. However, it is important to note that while longer tenure will reduce your EMI, it will consequently increase the total interest outgo.
  • Negotiate with your lender to get the best interest rate. Your interest rate directly impacts your loan EMI.
  • During the tenure of your business loan, part prepay whenever feasible. This will not only reduce your EMI but also the total interest outgo, given the tenure remains the same.
  • You can also transfer your outstanding loan to another lender offering a lower rate of interest. Given the tenure remains the same, the EMI will go down.

Why should You Never Miss an EMI

Missing an EMI can turn costly for an applicant. The following are the key impacts of missing an EMI:

  • Penal Charges: Lenders charge a penal fee for missed payments, consequently increasing overall repayment burden.
  • Risk of Loan Default: Repeated missed EMIs can lead to loan classification as overdue or default, which may result in recovery action.
  • Credit Score: Your credit score gets affected negatively, reducing your credibility as a borrower.
  • Loan Offers: Low credit score may lead to rejection of future credit offers.

Hence, using a business loan EMI calculator equips you with the ability to plan your repayments in advance. This not only reduces default chances but also helps in maintaining a strong credit profile.

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Payment modes of SBI Business Loan EMIs

  • Cash/Cheque: Customers can submit cash or cheque to pay the monthly EMI at their nearest SBI branch.
  • Post-Dated Cheques (PDCs): Applicants can submit PDCs to pay the loan EMIs for the entire loan repayment period.
  • Standing Instruction (SI): SI facility is used by customers in which they allow SBI or any bank to directly deduct EMI from your bank account on a defined or fixed date of a month.
  • Banking instructions like National Automated Clearing House (NACH), Electronic Clearing Service (ECS), and Automated Clearing House (ACH) can also be used to digitally transfer EMI amounts into SBI’s business loan account.

Tips to Manage Your EMI Payments Effectively

  • Set payment reminders or auto-debits for timely repayments
  • Maintain an emergency fund to handle unexpected expenses
  • Try maintaining a healthy debt-to-income ratio to not strain your finances.
  • Select a loan tenure that helps you maintain healthy cash-flow while minimizing total interest cost.
  • Try prepaying whenever feasible to reduce your outstanding balance, interest burden, and future EMIs.
Why Choose Paisabazaar?
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Compare & Choose the Best Offer

image of Pre-approved Offers with <strong>Instant Disbursals</strong>

Pre-approved Offers with Instant Disbursals

image of Know Your <strong>Chances of Approval</strong>

Know Your Chances of Approval

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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: 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 EMI reduce over time?

No, in a fixed-interest loan the EMI remains the same. The component of the interest keeps going down while the principal increases.

Can EMI change if the interest rate changes?

Yes, given your interest rate is floating in nature.

What happens in case of prepayment?

When you prepay, the EMI goes down if your tenure remains unchanged.

What factors affect business loan EMI?

EMI depends on the loan amount, interest rate, tenure, and the type of interest (fixed or floating).

Is the SBI business loan EMI calculator free to use?

Yes, the SBI business loan EMI calculator is free to use.

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