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Know your monthly number

Set the loan amount, interest rate, and tenure to see your estimated EMI instantly. The calculator runs in your browser, no credit check is made, and nothing reaches our team unless you choose to send your numbers below.

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Move the sliders, see your EMI

Set the amount, rate, and tenure. The monthly EMI, total interest, and total repayment update as you go, and the year-by-year schedule shows where every instalment goes.

₹
% p.a.
3 years
Estimated EMI ₹0
Total repayment ₹0
Principal amount
₹0
Total interest
₹0

Illustrative estimate, not a loan offer. Your actual EMI is set by the lender that sanctions your loan.

YearPrincipal repaidInterest paidHow the year's EMIs split Principal InterestBalance left

In year one, ₹0 of your instalments is interest. In the final year it is just ₹0. That is why a prepayment made early in the loan saves far more interest than the same prepayment made later.

Quoted a flat rate? This loan at 14% reducing costs about the same as 0% flat per annum. A flat quote always sounds cheaper than it really is, so compare both on the reducing basis before you sign.

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Illustrative only. Your final amount, rate, tenure, and any lender fees are set by the lender that sanctions your loan.

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The next step

Take your number to real lenders

An EMI is only an estimate until a lender stands behind it. Send us yours and we put it in front of lenders who actually fund businesses like yours, free for your business.

Why it's free
01

Send your numbers

Your amount, rate, tenure, and EMI travel with the enquiry, exactly as shown. Takes about a minute.

02

We read them like a lender

We weigh your numbers against our lender panel, with no hard CIBIL pull, so your credit score stays untouched.

03

You get a straight answer

Which lenders fit, what to expect, and what to fix if you are not ready, usually within one business day.

Attached from the calculator: ₹0

Under 10 lakh 10 lakh to 25 lakh 25 lakh to 50 lakh 50 lakh to 1 crore Over 1 crore
Working Capital Cash Credit / Overdraft Term Loan Line of Credit Invoice Discounting Equipment / Machinery Finance Commercial Vehicle Finance Loan Against Property Unsecured Business Loan Purchase Order Finance Supply Chain Finance Trade Finance Government-backed MSME Scheme Merchant / POS-based Loan Other

No hard credit pull. Your details go to lenders only with your consent, under India's DPDP rules.

How it is calculated

The formula behind the number

Your EMI is the fixed monthly amount that fully repays a loan, principal plus interest, over the chosen tenure. It is set by three things: how much you borrow, the annual interest rate, and how many months you take to repay.

The standard formula

EMI = P × r × (1 + r)n / ((1 + r)n − 1)

P is the principal, r is the monthly interest rate (the annual rate divided by 12 and by 100), and n is the tenure in months. This calculator applies exactly this formula, the same one lenders use for standard reducing-balance loans.

What moves your EMI

  • A higher loan amount lifts your EMI in direct proportion.
  • A higher interest rate raises both your EMI and your total interest.
  • A longer tenure eases your EMI but adds to the total interest.
  • The biggest saving is a sharper rate, and Capnix compares lenders to find it, free for your business.
Reference table

EMI by loan amount and tenure

A quick look at what a business loan from 5 lakh to 1 crore costs per month over three, five, and seven years, at an illustrative 14% per annum on a reducing balance. These are worked examples of the formula above, not a quote. The rate a lender actually offers depends on your business, and even a difference of one percentage point moves the EMI, so use the calculator above with your own numbers before you decide.

Loan amountEMI over 3 yearsEMI over 5 yearsEMI over 7 years
₹5,00,000₹17,089₹11,634₹9,370
₹10,00,000₹34,178₹23,268₹18,740
₹15,00,000₹51,266₹34,902₹28,110
₹20,00,000₹68,355₹46,537₹37,480
₹25,00,000₹85,444₹58,171₹46,850
₹40,00,000₹1,36,711₹93,073₹74,960
₹50,00,000₹1,70,888₹1,16,341₹93,700
₹1,00,00,000₹3,41,776₹2,32,683₹1,87,400

Illustrative at 14% per annum, reducing balance. Not a loan offer or an indication of the rate you will be sanctioned. The rate, amount, and tenure a lender actually sets depend on your business, and only the lender decides them.

Good to know

Questions about EMIs

Straight answers on how your EMI is worked out, what changes it, and how to read the numbers above.

An EMI, or equated monthly instalment, is the fixed amount you repay every month until the loan is closed. Each instalment covers part of the principal plus the interest for that month, so the same payment slowly shifts from mostly interest to mostly principal.
Rates differ by lender, loan product, and your business profile. If you already have a quote, use that. If not, try a small range of rates and see how sensitive your EMI is, then talk to our team about which lenders fit your profile.
No. The calculator runs entirely in your browser and makes no credit enquiry of any kind. Your numbers reach our team only if you choose to send them through the form on this page.
Treat it as a close estimate. Your final EMI depends on the amount, rate, and tenure the lender sanctions, plus any fees the lender charges. Capnix helps you reach lenders whose terms sit well against your cash flow.
A lower rate or a longer tenure reduces the monthly instalment, though a longer tenure usually means more total interest. Comparing lenders matters most, and that is exactly what Capnix does for you, free for your business.
Worked out on the standard reducing-balance formula at an illustrative 14% per annum, a ₹10,00,000 business loan over five years comes to an EMI of about ₹23,268. This is only an example of the formula, not a quote. Your lender sets the actual rate, and it can move the figure either way, so use the calculator above with your own numbers, or check with our team, free for your business.
At the same illustrative 14% per annum, reducing rate, over five years, a ₹20,00,000 business loan works out to an EMI of about ₹46,537. See how it changes at other tenures in the reference table above, or set your own amount, rate, and tenure in the calculator.
At an illustrative 14% per annum, reducing rate, over five years, a ₹1,00,00,000 business loan comes to an EMI of about ₹2,32,683. At this size, even a small difference in the rate a lender offers moves the EMI by a meaningful amount, so it is worth comparing lenders before you commit.
A lot. On the same ₹10,00,000 business loan at an illustrative 14% per annum, reducing rate, the EMI is about ₹34,178 over three years, ₹23,268 over five years, and ₹18,740 over seven years. A longer tenure lowers the monthly instalment but raises the total interest you pay, which is why the reference table above shows several tenures side by side.
Worth remembering

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