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How to Decide the Right EMI for Your Business Loan?

The EMI that you need to pay for your business loan depends upon three crucial factors - loan amount, loan tenure, and the applicable interest rate. While availing of a business loan, you can adjust these three parameters to ensure the right EMI so that you can repay your loan without any hassles.

 

So, you need to determine the answers to these three how’s to decide on the right EMI for your business loan:

 

  • How soon do you want to pay off your business loan?

  • How much EMI can you afford to pay every month?

  • How much interest do you want to pay on your business loan?
     

With Tata Capital Business Loan Flexi EMI Plans, you can choose to repay your business loan as per your business’ productivity and convenience.

How to Calculate the EMI that You Need to Pay?

Once you’ve decided on your business loan amount, tenure, and rate of interest, you can calculate the EMI that you will need to pay for your business loan. To calculate your business loan EMI, you can simply enter these values in a Business Loan EMI Calculator. With Tata Capital, you have the flexibility to choose your business loan amount and business loan tenure as per your repayment capability.

We provide business loans of up to Rs. 90 lakhs for tenures of up to 60 months. You can increase or decrease your loan amount and tenure to arrive at an EMI figure you’re comfortable with. You can also choose from our business loan EMI plans if you want to alter your EMI amount.

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What are the Available Business Loan EMI Options?

No one understands your business better than you. And that’s why we leave it to you to decide how you want to repay your business loan. With Tata Capital business loan EMI plans, you will be in full control of your business loan repayment. You can choose the suitable business loan EMI option as per your income pattern.Below are the two business loan EMI plans you can choose from:

Fixed EMI Plan

Under the Fixed EMI Plan, the rate of interest and principal amount remain fixed throughout the loan tenure. That is why the EMI amount remains the same for the entire loan period.

This business loan repayment plan is ideal for those who have a steady and consistent income.

Structured EMI Plan

Under our Structured EMI Plan, you can decide your business loan repayment according to your income cycle. You can choose from the customized EMI options as per your requirements.

This business loan repayment plan is ideal for those whose income can increase or decrease at specific intervals.

How Can You Repay Your Business Loan?

With our business loan Flexi EMI plans, you have the flexibility to decide how you want to repay your business loan. For the fixed EMI option, you can select an appropriate loan amount and tenure to arrive at an EMI amount you’re comfortable with. The longer the tenure you choose, the lower your EMIs will be.

Then, you can pay your business loan EMIs through the auto debit facility or Electronic Clearing Service (ECS). In exceptional cases, you can also pay your EMIs through post-dated cheques. You can even choose to pre-pay or foreclose your Business Loan as per the defined terms and conditions.

More Business Loan products for you

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At Tata Capital, we provide business loans for professionals with benefits like easy eligibility criteria, minimum documentation, and quick disbursals. 

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At Tata Capital, we provide business loans for women entrepreneurs to achieve new heights in the world of business and startups.

What our customers say about us

If it's TATA, you just keep doing things the way TATA does.

Piyush Ashok Anand

Business Loan | 11 Jan, 2025

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I am satisfied with your service approach and the quality of conversation from your representative. It's too good, and I hope your service continues in the same way.

BOLA AJITH KAMATH

Business Loan | 06 Dec, 2024

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Machinery Loans

If you’re into a manufacturing business, you may need to install the latest machinery or equipment in your factory.

You can apply for a machinery loan with us to fund the purchase of your business-related tools or equipment.

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