Godrej Capital Business Loan EMI Calculator

When a business is looking to expand, set up a new facility or to meet expenses related to the business, a business loan is among the most preferred ways of raising capital. The Godrej Capital Business Loan is one such loan that, if you are eligible, makes for a smooth loan process and with its handy EMI calculator helps you plan your monthly payments accordingly.

To use the Godrej Capital Business Loan EMI Calculator, you can follow these simple steps:

1. Enter your required loan amount by using the slider or typing the value manually
   

2. Adjust the interest rate using the ‘+’ and ‘–’ controls until it matches your expected rate
   

3. Select your preferred loan tenure by choosing between months and years from the drop-down menu
    

As you update these details, the calculator instantly recalculates and shows your EMI amount, total payable amount, principal, and total interest payable, helping you plan your repayment with better clarity.

To calculate Godrej Capital Business Loan EMI, you need 3 details:

• Loan amount (principal)
• Interest rate
• Loan tenure

The formula for EMI calculation is:

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

Where:

• P = Loan amount
• R = Monthly interest rate (annual rate ÷ 12 ÷ 100)
• N = Total number of instalments (months)

Example: Understanding your business loan repayment

If you opt for a Godrej Capital Business Loan of ₹50 lakh at an interest rate of 16% per annum, your repayment amount will vary based on the tenure you select. Choosing a shorter tenure results in higher EMIs but lower total interest, whereas opting for a longer tenure reduces your monthly EMI while increasing the overall interest payable.

Here’s an illustration of how your repayment would differ for 12 months and 72 months.

Tenure: 12 Months

Tenure: 72 Months

Note: Apart from the amounts shown above, the loan also carries a processing fee of up to 3% of the loan amount, which is payable separately at the time of disbursal.

Here are the benefits of using the Godrej Capital Business Loan EMI Calculator before applying for a loan:

• Instant results

Calculates EMIs in seconds without manual effort

• Financial clarity

Displays both EMI and total repayment, helping you see the overall borrowing cost

• Smart comparison

Lets you test different amounts, interest rates, and tenures before making a choice

• Better budgeting

Helps you align monthly instalments with your business cash flow

• Accessibility

Available online anytime, making financial planning easier and more transparent

When it comes to repaying your Godrej Capital business loan, the lender provides multiple repayment channels to make paying your EMIs convenient, flexible, and timely. Whether you prefer digital payments or traditional bank transfers, you can choose the method that suits you best.

Below are the different payment methods available for making your Godrej Capital Business Loan EMI:

1. Net Banking or Bank Transfer

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

• Add Godrej Capital as a biller or beneficiary by entering your loan account details.
  

• Enter the EMI amount and transfer funds directly to your loan account on or before the due date.
  

2. UPI Payment

• Use any UPI-enabled app such as Google Pay, PhonePe, Paytm, or BHIM to make your EMI payment.
  

• Open the UPI app, select the UPI transfer option, and enter Godrej Capital’s payee UPI ID or your loan account details.
  

• Input the EMI amount and authenticate using your UPI PIN to complete the transaction instantly.
  

3. Auto-Debit / Standing Instruction

• Set up an auto-debit mandate with your bank to automatically deduct your EMI every month.
  

• This ensures you never miss a due date and helps maintain a healthy repayment track record.
  

• Contact Godrej Capital’s support team or use your bank’s net banking to configure the ECS/NACH instruction.
  

4. Godrej Capital Customer Portal

• Visit the Godrej Capital customer portal and log in using your credentials.
  

• Navigate to the repayment section and follow the prompts to make your EMI payment online securely.
  

5. Mobile Wallets & UPI Apps

• Some mobile wallets or payment apps allow you to pay loan EMIs directly through their bill payment section.
  

• Select “Loan Payment”, choose Godrej Capital as the recipient, and enter your loan account number to process the payment.
  

6. Branch Walk-In or Cheque Payment

• Visit your nearest Godrej Capital office or partnering bank branch.
  

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

• This option is useful if you prefer offline payment methods.