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HSBC Business Loan EMI Calculator

With the help of the HSBC Business Loan EMI calculator, you can easily calculate your monthly EMI and plan your repayments. Simply input the loan amount, interest rate, and tenure to determine the EMI. You can experiment with different loan amounts and tenures to find the best repayment option for your business, while also planning for any prepayments or foreclosures.
Your Business Loan EMI
₹ 3,321
Total Interest Amount

₹ 19,572

Principal Amount

₹ 1,00,000

Total Payable Amount

₹ 1,19,572

Loan Amount i
Interest Rate
- +
Min value reached
Max value reached
Tenure
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  • Years
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Max value reached
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You can also make instant comparisons between loan offers from multiple Business Loan providers on Bajaj Markets.

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Furthermore, you can gain deeper insights into your loan instalments with the free amortisation schedule, which is provided with each calculation. 

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Calculation of the EMI Amounts of HSBC Business Loan

To calculate HSBC Business Loan EMI, the formula used is:

EMI = [P × r × (1 + r)^n] / [(1 + r)^n – 1]

Where:

  • P = Loan amount

  • r = Monthly interest rate (Annual interest rate divided by 12)

  • n = Loan tenure in months

For instance, consider a loan amount of ₹5 Lakhs with an annual interest rate of 12% and tenure of 3 years (36 months). The monthly interest rate (r) would be 12% ÷ 12 = 1%, or 0.01.

Using the formula, we can calculate the EMI for different loan amounts and tenures as shown below:

Loan Amount (₹)

Interest Rate (%)

Tenure (Months)

EMI (₹)

₹5,00,000

12%

36

₹17,749

₹7,50,000

12%

36

₹26,624

₹10,00,000

12%

36

₹35,499

₹15,00,000

12%

36

₹53,249

Disclaimer- The values mentioned above are approximate and are meant only for illustration purposes. For actual EMI values, reach out to your lender.

EMI Calculation Based on Tenure

The EMI amount for an HSBC Business Loan is determined by the loan amount, interest rate, and tenure you select. The tenure plays a significant role in calculating your EMI. A longer tenure generally results in lower monthly payments. 

However, it also increases the total cost of the loan, as more interest will be paid over time. On the other hand, a shorter tenure leads to higher EMIs but reduces the total interest paid throughout the loan period.

Here is a table showing sample EMI calculations for different tenures with an assumed interest rate of 12% per annum:

Loan Amount (₹)

Tenure (Months)

EMI (₹)

Total Interest (₹)

Total Payment (₹)

₹10,00,000

12

₹91,410

₹97,000

₹10,97,000

₹10,00,000

24

₹54,895

₹3,17,000

₹13,17,000

₹10,00,000

36

₹38,671

₹3,91,000

₹13,91,000

Disclaimer- The values mentioned above are approximate and are meant only for illustration purposes. For actual EMI values, reach out to your lender.

Benefits of Using HSBC Business Loan EMI Calculator

Using the Business Loan calculator provides several advantages that can help businesses manage their finances more effectively:

  • Quick and Easy Calculation

The calculator provides instant results, making it easy to estimate monthly repayments without any complex calculations

  • Transparency

By using the calculator, you can clearly understand how much you need to pay each month, helping you plan your budget and cash flow

  • Financial Planning

It allows businesses to assess different scenarios, such as varying loan amounts or tenures, to choose the best option that fits their financial capabilities

  • Time-Saving

The calculator eliminates the need for manual calculations, saving you time and effort in the business loan planning process

Factors Affecting HSBC Business Loan EMIs

Several factors influence your HSBC Business Loan EMI, making it important to understand how each one impacts your repayments:

  • Loan Amount

The higher the loan amount, the higher the EMI. Borrowing more money will naturally increase your monthly payments.

  • Interest Rate

The rate at which interest is charged directly affects your EMI. A higher interest rate will lead to higher EMIs, while a lower rate reduces your payments.

  • Tenure

The loan tenure determines how long you’ll be repaying the loan. A longer tenure results in lower EMIs but increases the total interest paid over time. A shorter tenure will lead to higher EMIs but less interest paid.

  • Repayment Frequency

Some loans allow flexible repayment options, such as quarterly or bi-monthly payments. These options can affect your overall EMI calculation.

  • Margin/Down Payment

A higher down payment or margin reduces the principal loan amount, leading to lower EMIs.

Understanding these factors helps you make informed decisions while choosing your business loan terms. By adjusting them, you can find an EMI that fits your budget and financial goals.

FAQs

Does HSBC give business loans?

Yes, HSBC offers various types of business loans, including working capital loans, loans against property, and lease rental discounting (LRD), tailored to suit different business needs.

The business loan interest rate at HSBC starts from 8.90% as the rack rate, but the final rate depends on the loan type, your profile, and changes in the Repo rate.

HSBC offers business loans up to ₹40 Crores, secured against completed residential or commercial properties, or term deposits held with the bank.

Businesses with an annual turnover of up to ₹20 Crores and at least 3 years of operational history are eligible for HSBC’s business loans. Simple documentation is required for applying.

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