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Business Loan Calculator

Calculate business loan EMI, total interest and processing fee cost.

How this is calculated
EMI (standard amortization formula) + one-time processing fee = total cost of borrowing

Assumptions used in this calculation

  • Processing fee timing: The processing fee is treated as a one-time upfront cost added to the total borrowing cost, it's not amortized into the monthly payment.
  • Interest method: The monthly payment is computed using the standard monthly reducing-balance formula, the same as the EMI calculator, some business loan products instead use flat-rate interest, which produces a higher effective rate.

About this calculator

The business loan calculator finds the monthly payment, total interest and processing fee cost of a business loan, and combines them into the total cost of borrowing.

Worked example

₹10,00,000 at 12% for 60 months

Result: ₹22,244/month

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