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Beyond the EMI, this checks whether the instalment is safe against your monthly turnover and margin, so you know if the business can genuinely carry the loan.
Move a slider or type a number. Everything updates instantly, and the link above carries your values so you can share or save them.
Twenty lakh
Fifteen lakh
Monthly profit of about ₹1,80,000.
Your monthly EMI
₹70,314
every month for 3 yr
The EMI sits well inside your monthly profit. Most lenders would view this as a safe file.
Early years are mostly interest. That is why prepaying early saves the most.
Standard EMI, then EMI as a share of monthly turnover and of monthly profit.
Nothing is hidden. The same formula runs in a shared, unit-tested library used by every calculator on this site.
Checks the EMI against your turnover
These numbers are indicative. Your actual offer depends on the lender.
This calculator assumes the rate stays the same for the whole tenure. Most loans in India are floating rate, so your EMI can move when the RBI changes rates. Tell us your real situation and we will give you a figure you can plan around.
Questions
What people ask us most about this calculation.
We will tell you which lenders are likely to say yes to your file, and at roughly what rate, before you apply anywhere.
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