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Business loan EMI by loan amount: EMI tables from ₹1 lakh to ₹1 crore

Business loan EMI tables for nine loan amounts, from ₹1,00,000 to ₹1,00,00,000. At an illustrative 14% a year on a reducing balance, the EMI on ₹10,00,000 is about ₹34,178 over 36 months and ₹23,268 over 60 months. Each amount page adds the fee, the rules and schemes that apply at that size, and the documents.

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Business loan EMI at a glance, by amount

The table gives the EMI on nine common business loan amounts at an illustrative 14% a year on a reducing balance (Standard loan EMI formula). 14% is the bottom of Bajaj Finance's published unsecured business loan range of 14% to 23% (Bajaj Finance). It is an example, not an offer. The fee column is a 2% processing fee, the maximum one lender, Kotak Mahindra Bank, publishes (Kotak Mahindra Bank).

Loan amount In figures EMI over 36 months EMI over 60 months 2% processing fee Source
₹1 lakh ₹1,00,000 ₹3,418 ₹2,327 ₹2,000 Standard loan EMI formula, Kotak Mahindra Bank
₹2 lakh ₹2,00,000 ₹6,836 ₹4,654 ₹4,000 Standard loan EMI formula, Kotak Mahindra Bank
₹5 lakh ₹5,00,000 ₹17,089 ₹11,634 ₹10,000 Standard loan EMI formula, Kotak Mahindra Bank
₹10 lakh ₹10,00,000 ₹34,178 ₹23,268 ₹20,000 Standard loan EMI formula, Kotak Mahindra Bank
₹15 lakh ₹15,00,000 ₹51,266 ₹34,902 ₹30,000 Standard loan EMI formula, Kotak Mahindra Bank
₹20 lakh ₹20,00,000 ₹68,355 ₹46,537 ₹40,000 Standard loan EMI formula, Kotak Mahindra Bank
₹25 lakh ₹25,00,000 ₹85,444 ₹58,171 ₹50,000 Standard loan EMI formula, Kotak Mahindra Bank
₹50 lakh ₹50,00,000 ₹1,70,888 ₹1,16,341 ₹1,00,000 Standard loan EMI formula, Kotak Mahindra Bank
₹1 crore ₹1,00,00,000 ₹3,41,776 ₹2,32,683 ₹2,00,000 Standard loan EMI formula, Kotak Mahindra Bank

Each amount page shows the EMI at 10.75%, 14% and 18% for several tenures, the total interest, and the rules and schemes that apply at that size. 10.75% is the bottom of HDFC Bank's published range of 10.75% to 22.50% (HDFC Bank).

How the EMI is worked out

EMI = P × r × (1 + r)^n ÷ ((1 + r)^n - 1). P is the loan amount, r is the monthly rate (the annual rate divided by 12 and by 100) and n is the number of months (Standard loan EMI formula). At the same rate and tenure the EMI scales with the amount, so ₹20,00,000 costs twice the EMI of ₹10,00,000.

The EMI leaves out fees. The APR, the annual cost including interest and all other charges, is the figure to compare between offers (RBI notification).

Which EMI page to use

In this section

₹1 lakh business loan EMI On a ₹1,00,000 business loan at an illustrative 14% a year on a reducing balance, the EMI is about ₹3,418 over 36 months and ₹2,327 over 60 months. The lender sets the actual rate: on 02-Oct-2026 published business loan ranges started at 10.75% at HDFC Bank and 14% at Bajaj Finance. ₹2 lakh business loan EMI On a ₹2,00,000 business loan at an illustrative 14% a year on a reducing balance, the EMI is about ₹6,836 over 36 months and ₹4,654 over 60 months. The lender sets the actual rate: on 02-Oct-2026 published business loan ranges started at 10.75% at HDFC Bank and 14% at Bajaj Finance. ₹5 lakh business loan EMI On a ₹5,00,000 business loan at an illustrative 14% a year on a reducing balance, the EMI is about ₹17,089 over 36 months and ₹11,634 over 60 months. The lender sets the actual rate: on 02-Oct-2026 published business loan ranges started at 10.75% at HDFC Bank and 14% at Bajaj Finance. ₹10 lakh business loan EMI On a ₹10,00,000 business loan at an illustrative 14% a year on a reducing balance, the EMI is about ₹34,178 over 36 months and ₹23,268 over 60 months. The lender sets the actual rate: on 02-Oct-2026 published business loan ranges started at 10.75% at HDFC Bank and 14% at Bajaj Finance. ₹15 lakh business loan EMI On a ₹15,00,000 business loan at an illustrative 14% a year on a reducing balance, the EMI is about ₹51,266 over 36 months and ₹34,902 over 60 months. The lender sets the actual rate: on 02-Oct-2026 published business loan ranges started at 10.75% at HDFC Bank and 14% at Bajaj Finance. ₹20 lakh business loan EMI On a ₹20,00,000 business loan at an illustrative 14% a year on a reducing balance, the EMI is about ₹68,355 over 36 months and ₹46,537 over 60 months. The lender sets the actual rate: on 02-Oct-2026 published business loan ranges started at 10.75% at HDFC Bank and 14% at Bajaj Finance. ₹25 lakh business loan EMI On a ₹25,00,000 business loan at an illustrative 14% a year on a reducing balance, the EMI is about ₹85,444 over 36 months and ₹58,171 over 60 months. The lender sets the actual rate: on 02-Oct-2026 published business loan ranges started at 10.75% at HDFC Bank and 14% at Bajaj Finance. ₹50 lakh business loan EMI On a ₹50,00,000 business loan at an illustrative 14% a year on a reducing balance, the EMI is about ₹1,70,888 over 36 months and ₹1,16,341 over 60 months. The lender sets the actual rate: on 02-Oct-2026 published business loan ranges started at 10.75% at HDFC Bank and 14% at Bajaj Finance. ₹1 crore business loan EMI On a ₹1,00,00,000 business loan at an illustrative 14% a year on a reducing balance, the EMI is about ₹3,41,776 over 36 months and ₹2,32,683 over 60 months. The lender sets the actual rate: on 02-Oct-2026 published business loan ranges started at 10.75% at HDFC Bank and 14% at Bajaj Finance.

Frequently asked questions

About ₹34,178 a month over 36 months, or ₹23,268 over 60 months, at an illustrative 14% a year (Standard loan EMI formula). Your lender sets the actual rate.

Not by rule. Each lender prices each loan by its risk, the security and the product. Published ranges are on the business loan interest rates page.

No. The fee is charged separately and is usually deducted at disbursal, so you receive less while the EMI stays the same. Compare the APR in each Key Facts Statement.

Sources

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