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Business Loan EMI Calculator

↻ Updated 2026

Enter the loan amount, rate and tenure to see the EMI and total interest on an MSME, Mudra or working-capital loan priced on a reducing balance.

Educational calculators — always consult a licensed professional before making financial decisions.

Your inputs

Loan amount

Mudra loans go up to ₹20 lakh; MSME term loans higher

Interest rate (p.a.)

MSME / business loans typically run 10–22%

Tenure

Monthly EMI

₹39,501

for 4 yr

Total interest

₹3,96,036

26% of principal

Total payment

₹18,96,036

on ₹15,00,000 borrowed

Outstanding balance4 yr · 12%

todaypaid off

Principal vs interest

Principal₹15,00,000

Interest₹3,96,036

ASSUMPTIONS — EMI is computed on a reducing-balance basis for a loan of ₹15,00,000 at 12% p.a. over 48 months. Suitable for MSME term loans, Mudra (Shishu/Kishore/Tarun) and working-capital loans priced on a reducing balance. Processing fees, GST, collateral/CGTMSE guarantee fees and prepayment charges are excluded. Rates shown are indicative and vary by lender, scheme and profile.

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Sources & rate references

·EMI = reducing-balance amortization; rates indicative

Rates, brackets and limits here are checked against primary sources. If a number still looks off, email support@realmoneyiq.com and we'll review and fix it.

RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.