Business Loan EMI Calculator
Business loan EMI, total interest and processing fee with GST, plus the effective annual cost lenders don't show upfront.
How to use the Business Loan EMI calculator
- Enter loan amount, interest rate, tenure and processing fee.
- Read the monthly EMI at the top of the result, with total interest, processing fee + 18% GST, total you pay underneath. It updates as you type.
- Change one input at a time to see what moves the answer most, then save the result with Copy link or Download PDF.
About this tool
Unsecured business loans from NBFCs often carry rates of 15–24% plus a fee. Check that the EMI fits your monthly cash surplus with room to spare; the DSCR calculator helps with that.
Worked example
With loan amount of ₹10,00,000, interest rate of 16%, tenure of 36 months and processing fee of 2%:
| Monthly EMI | ₹35,157 |
| Total interest | ₹2,65,653 |
| Processing fee + 18% GST | ₹23,600 |
| Total you pay | ₹12,89,253 |
| Effective annual cost | 17.71% |
Built and reviewed by Savitar Finance (savitarfinance@gmail.com). Rules and rates last checked October 2026. How we calculate · Report a problem
Questions people ask
Can a business claim GST paid on the processing fee?
A GST-registered business can usually claim input tax credit on the GST charged on the processing fee, if the loan is for business use.
Is business loan interest tax deductible?
Interest on a loan used for business is a deductible business expense when computing profit.