Aditya Birla Capital Udyog Plus Business Loan EMI Calculator

You can follow the steps mentioned below to calculate your ABCL Udyog Plus Business Loan EMI:

1. Use the slider or type in your required loan amount

2. Use the ‘+’ or ‘-’ buttons to adjust and enter the desired interest rate

3. Use the drop-down to switch between ‘months’ and ‘years’ for the tenure
    

As you keep making changes to the information, the calculator will automatically display the updated figures including your total payable amount, principal amount, total payable interest, and your EMI amount.

Aditya Birla Capital Udyog Plus Business Loan EMI Calculator helps estimate your EMI easily, allowing better loan repayment planning. 

The EMI for a business loan is calculated using the following formula: 

EMI = P×r×(1+r)n(1+r)n−1

Where: 

• P: Principal loan amount

• r: Monthly interest rate (annual rate divided by 12)

• n: Loan tenure in months
  
  

This formula ensures that each EMI includes both principal repayment and the interest component. In the initial months, a larger portion of the EMI goes towards interest, while in the later stages, more of it is used to repay the principal. 

Example: Understanding your business loan repayment

If you take an ABCL Udyog Plus Business Loan of ₹10 lakh at an interest rate of 22% per annum, your repayment amount will depend on the tenure you choose. A shorter tenure means higher EMIs but lower total interest, while a longer tenure reduces your EMI but increases the overall interest outgo.

Below is how your repayment will look for 12 months and 36 months.

Tenure: 12 Months

Particulars	Amount
Loan Amount	₹10,00,000
Total Interest Amount	₹1,23,132
Total Payable Amount	₹11,23,132
Your Business Loan EMI	₹93,594

Tenure: 36 Months

Particulars	Amount
Loan Amount	₹10,00,000
Total Interest Amount	₹3,74,856
Total Payable Amount	₹13,74,856
Your Business Loan EMI	₹38,190

Note: In addition to the above amounts, your loan will attract a processing fee of 3% to 4% of the loan amount plus GST, which is charged separately at the time of disbursal.

Here are some key factors that can influence the EMI of your business loan from Aditya Birla Capital:

Loan Amount

Borrowing a higher loan amount will naturally increase your EMI, whereas choosing a smaller amount keeps your monthly repayment more manageable. 

Interest Rate

A higher rate of interest makes your EMI costlier, while a lower rate eases your repayment burden significantly over time.

Loan Tenure

Opting for a longer tenure reduces the EMI but increases the overall interest payable, whereas a shorter tenure raises EMI but lowers the total cost.

Repayment Capacity

Your income and repayment ability play a role, as lenders may adjust loan terms accordingly, which impacts your EMI.

Credit Score

Maintaining a strong credit score can help you secure lower business loan interest rates, directly bringing down the EMIs you need to pay.

Type of Interest Rate

With fixed rates, your EMIs remain steady, while floating rates may vary as market conditions change.

Processing Fees and Charges

Extra expenses such as processing fees and related charges can increase your overall repayment obligation. 

Prepayment and Foreclosure Options

Repaying early or closing the loan before schedule reduces costs but may attract additional charges or penalties.

Business Stability and Cash Flow

A financially sound business with steady cash flow often receives better loan terms, which can lead to lower EMIs.

Lender’s Policies

Different lenders have their own terms, conditions, and charges, which can affect the final EMI calculation.

When you have an Udyog Plus Business Loan with Aditya Birla Capital, repaying your EMIs is made flexible and convenient through multiple payment channels. You can choose the method that best fits your routine and banking preferences.

Here are the different ways to pay your ABCL Udyog Plus Business Loan EMIs:

1. Online banking (Net Banking)

• Log in to your bank’s net banking portal using your credentials
  

• Add Aditya Birla Capital as a payee or loan account recipient
  

• Enter your loan account number and outstanding EMI amount
  

• Confirm the transaction to complete the EMI payment securely
  

2. UPI payment

• Open your preferred UPI app
  

• Depending on the app, select the loans or bills or EMI payment option
  

• Select Aditya Birla Capital Limited as the provider and enter your Udyog Plus loan details
  

• Fetch the EMI amount due and authenticate the payment using your UPI PIN
  

• Once authorised, the payment is processed instantly into your loan account
  

3. WhatsApp payment

• You can pay your business loan EMI via WhatsApp for added convenience
  

• Send “Pay Now” to the official WhatsApp payment number +91-88288 00031
  

• Authenticate yourself using OTP (via PAN, mobile, or email linked to your loan)
  

• Choose your loan account, and a payment link will be generated
  

• Tap the link, choose your preferred payment method (e.g., UPI), and complete the transaction
  

4. Auto-Debit / ECS / NACH

• Set up an auto-debit instruction with your bank to automatically deduct the EMI on the due date
  

• This helps ensure timely repayments and avoids missed payments and penalties
  

• Contact Aditya Birla Capital support or your branch to set up ECS/NACH authorisation
  

5. Bank Visit / Cheque / Demand Draft (Offline)

• Visit your bank branch where your loan account is held
  

• Submit a cheque or demand draft with your loan account number clearly mentioned on the back
  

• The bank will process the collection and credit the EMI payment to your loan account
  
  

By offering multiple repayment options, Aditya Birla Capital ensures that you can pay your Udyog Plus Business Loan EMIs with flexibility—whether you prefer digital channels like UPI and WhatsApp or traditional banking methods like net banking and auto-debit.