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Tata Capital Business Loan EMI Calculator

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Max Loan Amt.Upto ₹75L
Rate of Interest10.75% - 28%
Tenure uptoUpto 5 Years
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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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Tata Capital Business Loan EMI Calculator

Businesses planning to take a business loan should first estimate their monthly repayment to be able to choose the right loan amount and tenure. Tata Capital business loan EMI calculator is an online tool that helps users calculate their business loan EMI in a quick and hassle-free manner.

How Tata Capital Business Loan EMI Calculator Works

Business loan EMI calculator runs on three basic loan details, such as loan amount, interest rate and loan duration. By entering these details, the applicant can obtain the EMI details that he/she needs to pay to the lender.

Formula to Calculate Business Loan EMI

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

Wherein,

  • P refers to the loan principal;
  • R refers to the rate of interest on a monthly basis;
  • N refers to the loan repayment tenure in months.

Amortization Schedule

An amortization schedule shows the detailed breakdown of your loan components. It shows exactly how much of each loan installment goes toward interest and the principal.

Example: If you borrow a Rs. 15 lakh business loan for 5 years at an interest rate of 13%, the following will be your amortization schedule.

Note: The schedule given below is for 12 months. For the rest of the months, the principal amount and interest will continue to adjust progressively.

Month Principal (Rs.) Interest (Rs.) Principal + Interest (Rs.) Balance to be Paid (Rs.)
1 17880 16250 34130 1482120
2 18073 16056 34130 1464047
3 18269 15861 34130 1445778
4 18467 15663 34130 1427311
5 18667 15463 34130 1408644
6 18869 15260 34130 1389775
7 19074 15056 34130 1370701
8 19280 14849 34130 1351421
9 19489 14640 34130 1331931
10 19700 14429 34130 1312231
11 19914 14216 34130 1292317
12 20130 14000 34130 1272188

How to Reduce Your Business Loan EMI

  • Choose a longer tenure: Opt for a longer tenure. Longer tenure lowers your EMI but increases your total cost of the loan.
  • Negotiate for better interest rates: If you have a strong credit profile, you can negotiate with the lender for a lower interest rate. Interest rate directly affects your EMI.
  • Prepay your loan: Whenever feasible, prepay your loan and ask your lender to reduce your loan EMI and not your tenure.
  • Opt for balance transfer: Transfer your outstanding balance to a new lender offering lower interest rate. This will decrease the EMI amount.

Why should You Use an EMI Calculator before Taking a Loan

  • Helps in choosing the right loan amount: By trying different combinations of loan amount, tenure and interest rate on the EMI calculator, applicants can evaluate across multiple loan scenarios and choose the one best suited for their finances and business needs.
  • Helps in planning repayments effectively: By choosing the right loan, repayment becomes easier for business owners without straining the cash flow. This, consequently, reduces missed repayments or default chances.
  • Helps in maintaining credit score: Planned loan helps maintain healthy repayment discipline, strengthening credit score and profile of the borrower.

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Why Choose Paisabazaar?
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image of Know Your <strong>Chances of Approval</strong>

Know Your Chances of Approval

image of End-to-End <strong>Digital Process</strong>

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

When to use Tata Capital Business Loan EMI Calculator?

When you are planning a loan, thinking of prepayment or thinking of transferring your loan to a new lender at a lower interest rate, you should use the EMI calculator to plan better.

Will I be charged for using a business loan EMI calculator?

No, Paisabazaar’s business loan EMI calculator is completely free for use.

How quickly will I get results using a business loan EMI calculator?

A business loan EMI calculator gives instant results once all the required details are entered.

Can I use Paisabazaar’s business loan EMI calculator for different lenders?

Yes, Paisabazaar’s business loan EMI calculator supports business loan EMI calculation for multiple lenders.

Is the business loan EMI calculator available 24*7?

Yes, the Tata Capital business loan EMI calculator is available for use anytime and from anywhere.

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