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Business loanBusiness loan EMI calculator
Plan your business or MSME loan: EMI, yearly interest expense and month-wise schedule. Download it as a PDF.
Business loan EMI
Your business loan EMI
₹
%
years
months
%
Monthly EMI–
Total interest–
How it works
- EMI = P × r × (1+r)n ÷ ((1+r)n − 1), where P is the loan, r the monthly rate and n the number of months.
- Interest on a business loan is a business expense — the yearly interest in the table goes into your Profit & Loss account. The principal part does not.
- Banks ask for a balance sheet, P&L, ITRs and GST returns of the last 2–3 years. We prepare bank-ready accounts and CMA data.
- Udyam registration helps MSMEs get priority-sector loans. Register free.
- Click Download PDF report to save your EMI plan with the full month-by-month schedule — ready to share with your bank or family.
Common questions
Is business loan interest a tax-deductible expense?
Yes. Interest on a loan used for business is a business expense in the P&L. The principal repayment is not an expense.
What documents do banks ask for a business loan?
Usually the last 2–3 years of ITR, balance sheet, P&L, GST returns and bank statements, plus KYC. We prepare bank-ready accounts and CMA data.
Does Udyam registration help in getting a loan?
Yes. Udyam-registered MSMEs can access priority-sector lending and several government schemes. Registration is free.
Talk to us before the deadline does.
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