FlexiLoans Business Loan EMI Calculator

You can use the Business Loan EMI calculator quickly and easily. Adjust the loan amount, interest rate, and tenure to view results instantly. The calculator shows your EMI, total interest, and total payable amount. Follow these steps to calculate FlexiLoans Business Loan EMI:

1. Enter the loan amount you need for your business

2. Add the annual interest rate that applies to your loan

3. Select the repayment tenure in months or years

The calculator displays your EMI amount instantly. You also see the total interest and overall repayment amount. This helps you plan your loan repayment in a better way.

You can calculate your EMI manually using a simple formula. Assume you borrow ₹50 Lakhs at an interest rate of 18% per annum. The tenure is 42 months. Use the following formula to calculate FlexiLoans Business Loan EMIs:

EMI = P × R × (1 + R)^N / [(1 + R)^N - 1]

Here:

• P = The borrowed loan amount
• R = Monthly rate of interest (annual rate ÷ 12)
• N = Loan tenure in months

Thus:

• P = ₹50,00,000
• R = 18% ÷ 12 = 0.015
• N = 42 months

Here is a detailed calculation of the EMI amount you will have to pay : 

Note: The EMI and interest values shown above are approximate figures generated by the calculator. The actual amount may vary based on factors such as your credit history, net income, and existing debts. 

You can use the FlexiLoans Business Loan EMI calculator on Bajaj Markets for accurate results. This tool simplifies complex calculations instantly. It ensures precision in your financial planning.

The FlexiLoans Business Loan EMI calculator offers several advantages for your financial planning. You can make informed decisions about your business loan quickly.

1. Precision in Cash Flow Management

In business, every rupee matters. The calculator provides an exact figure for your monthly outflow, allowing you to forecast your cash flow with 100% accuracy. This ensures that your loan repayments never compromise your ability to handle day-to-day operational expenses like payroll or inventory restocks.

2. Instant Scenario Comparisons

One of the greatest benefits is the ability to run "What-If" scenarios. Within seconds, you can compare how a 24-month tenure vs. a 36-month tenure impacts your total interest cost. This helps you find the "sweet spot" between a manageable monthly payment and the lowest possible total interest burden.

3. Zero Room for Human Error

Manual financial calculations are notoriously prone to mistakes, especially when dealing with compound interest and long tenures. Using the digital calculator eliminates the risk of miscalculation, providing a reliable foundation for your business's financial strategy.

4. Enhanced Negotiation Power

When you walk into a meeting with a lender knowing exactly what your EMI should be for a specific rate and tenure, you are in a stronger position to negotiate. It empowers you with data, ensuring you only accept terms that are sustainable for your business growth.

5. Completely Free and Accessible

There is no "paywall" or sign-up requirement to access this level of financial insight. You can iterate your calculations as many times as needed from any device, making it a convenient resource for busy entrepreneurs on the go.

Your EMI isn’t just a random number—it is a result of four critical variables. By understanding how these factors interact, you can fine-tune your borrowing strategy to protect your business’s bottom line.

1. The Principal Loan Amount

The most direct driver of your EMI is the total amount you borrow. Since interest is calculated as a percentage of this principal, every extra lakh borrowed increases your monthly commitment.

2. The Interest Rate

The interest rate determines the "cost of capital." Even a minor fluctuation in the rate can lead to a significant difference in the total amount repaid over the life of the loan.

3. The Repayment Tenure (The Balancing Act)

Tenure is a double-edged sword that dictates the pace of your repayment.

• Longer Tenure: Spreads the principal over more months, resulting in lower EMIs. This is ideal for businesses that need to prioritize daily operational liquidity.

• Shorter Tenure: Results in higher EMIs but ensures the debt is cleared faster. The primary benefit here is "Interest Savings," as the lender has less time to charge interest on the outstanding balance.

4. Prepayment and Foreclosure Flexibility

The "exit terms" of your loan can be just as important as the entry terms. Some lenders offer the option to make lump-sum partial payments or close the loan early (foreclosure).

You can pay your FlexiLoans Business Loan EMI through multiple payment methods. Choose the option that suits your convenience and business needs.

• UPI (Unified Payments Interface): You can pay your EMI instantly using UPI apps. Enter your loan details and authorise the payment for confirmation.
• Net Banking: Log in to your bank's net banking portal first. Select the loan repayment option from the menu. Enter your FlexiLoans account details and complete the payment securely. Most banks support this method for business loan EMIs.
• Debit/Credit Card: You can pay your EMI directly using your card online. Visit FlexiLoans' official website or partner platforms for payment. Enter your card details and confirm the transaction for processing.
• Wallets: Many digital wallets accept EMI payments. Select the loan repayment option in the wallet app. Enter your loan account number and confirm the payment amount. These platforms send reminders to help you avoid missing dates.
• Cheque/Bank Transfer: You can repay your EMI by issuing a cheque too. Make a direct bank transfer to the lender's designated account. Mention your loan account number for proper credit allocation.
   

Each method offers convenience and secure transaction processing. Most platforms provide instant payment confirmation via email or SMS.