Work out your monthly EMI, total interest and full repayment breakup in seconds — for any loan from ₹1 Crore to ₹500 Crore+.
This is an estimate — actual rates depend on your profile and lender. Talk to us for the real number.
A quick glossary so lender quotes and sanction letters actually make sense.
The original loan amount you borrow, before any interest is added.
Equated Monthly Instalment — the fixed amount you repay every month, covering both principal and interest.
The annual cost of borrowing, shown as a percentage of the outstanding loan amount.
The total repayment period of the loan, usually expressed in months or years.
Interest is charged only on the outstanding principal, which shrinks with every EMI — this is how almost all business loans are priced.
A one-time charge (usually 0.5%–2% of the loan amount) deducted by the lender at disbursement — not included in the EMI above.
Debt Service Coverage Ratio — how comfortably your cash flow covers the EMI. Lenders use this to decide how much they'll sanction.
Paying off part or all of the loan before the tenure ends, usually subject to the lender's prepayment charges.
EMI is calculated using the reducing-balance formula: EMI = P × r × (1+r)^n / ((1+r)^n − 1), where P is the loan amount, r is the monthly interest rate, and n is the tenure in months.
Generally yes, but the tenure matters just as much — a longer tenure at a lower rate can still result in higher total interest paid over the life of the loan.
No — this is an estimate. Actual interest rates depend on your business profile, loan amount, tenure, collateral and the specific lender. Talk to EZEE Finserv for a real, lender-matched quote.
Most business loans allow part-prepayment or full foreclosure, usually after an initial lock-in period, subject to the lender's prepayment charges — this varies by lender and loan type.
A reducing balance rate charges interest only on the outstanding principal, so it falls as you repay — this calculator uses reducing balance. A flat rate charges interest on the full original amount throughout, which works out more expensive for the same quoted rate.
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