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Indifi Business Loan EMI Calculator

The Indifi Business Loan EMI calculator is a free-to-use tool available on Bajaj Markets. It enables you to instantly check the probable EMI of your business loan along with the total interest charge payable and the overall cost of the loan. Use these details to compare various other loan options available on Bajaj Markets with your Indifi Business Loan offer to make an informed decision.
Your Business Loan EMI
₹ 114,571
Total Interest Amount

₹ 1,124,569

Principal Amount

₹ 30,00,000

Total Payable Amount

₹ 41,24,569

Loan Amount i
Interest Rate
- +
Min value reached
Max value reached
Tenure
Months arrow-down-img
  • Years
- +
Min 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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You can also evaluate the total interest amount and overall payable amount for better financial planning and budgeting.

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How to Calculate Indifi Business Loan EMI

Let’s say you borrow ₹10,00,000 at an interest rate of 22% p.a. for a tenure of 36 months. Substitute these values in the following formula to calculate the EMI of your Indifi Business Loan:

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

Here:

  • P = The borrowed loan amount

  • R = Monthly rate of interest (annual rate divided by 12)

  • N = Loan tenure in months

Thus,

  • P = ₹10,00,000

  • R = (22 ÷ 12) ÷ 100 = 0.01833

  • N = 36

By applying the values, your EMI would be approximately ₹38,190. 

Manual calculations can be tedious and prone to errors. The business loan EMI calculator available on Bajaj Markets can be used for accurate and instant results.

How to Use the Indifi Business Loan EMI Calculator

Here are the steps to utilise the Indifi Business Loan EMI Calculator:

1. Visit the Calculator Page

Navigate to the Indifi Business Loan EMI Calculator on the Bajaj Markets website.

2. Enter the Loan Amount

Input the desired loan amount between.

3. Select the Interest Rate

Add the applicable annual interest rate to get accurate results.

4. Choose the Loan Tenure

Enter the repayment period in months or years, based on your preference.

5. Click ‘Calculate’

Press the calculate button to view the monthly EMI, total interest, and total repayment amount instantly.

6. Review and Plan

Use the results to compare loan options and plan your monthly budget effectively.

Disclaimer: The EMI shown is an approximate estimate. Actual figures may vary based on lender terms, interest rate changes, and applicable charges.

Benefits of Using Indifi Business Loan EMI Calculator

Simple Calculation

The Indifi EMI calculator makes the process of EMI calculation simple and easy. All you are required to do is enter details like tenure, rate of interest, and loan amount.

Comparison of Lenders

Since the EMI calculator enables you to find out the EMI amount before getting the business loan, it becomes easy to compare various lenders’ policies and schemes.

Easy Access

The calculator can be accessed anytime and from any place. All you need are the loan details and a good internet connection.

Factors Affecting Indifi Business Loan EMIs

The Indifi Business Loan EMI Calculator helps you estimate your monthly instalments and total borrowing cost. Here are the main factors that influence your EMI and overall repayment:

Loan Amount

A larger loan amount raises your EMI, as the monthly repayment is directly proportional to the borrowed principal.

Interest Rate

Your EMI varies with the interest rate. Even a slight change in the rate can significantly increase or decrease your monthly payments.

Loan Tenure

Choosing a longer tenure lowers your EMI but increases total interest paid, while a shorter tenure raises EMI but reduces the overall loan cost.

Credit Score

A strong credit score helps you negotiate lower interest rates, which can reduce both your monthly EMI and total repayment.

Repayment Capacity

Lenders assess your income and business cash flow to ensure your EMI is affordable and does not strain your finances.

Prepayment Options

Making part-prepayments reduces the outstanding principal, lowering future EMIs and helping you close the loan earlier.

Processing Fees and Charges

Upfront costs such as processing or documentation fees add to your borrowing expense, indirectly impacting how you plan EMIs.

Type of Interest Rate

Fixed rates keep your EMI predictable, while floating rates can change with market fluctuations, altering monthly outflows over time.

Business Stability

Consistent revenue and profitability improve lender confidence, often leading to better terms and lower EMIs.

Existing Debt Obligations

Active loans or credit commitments reduce repayment capacity, potentially resulting in higher interest rates and EMIs.

Disclaimer

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.

Other Indifi Business Loan Related Pages

Other Bajaj Markets Business Loan Partners EMI Calculators

Quick Links

FAQs for Indifi Business Loan EMI Calculator

Indifi Business Loan EMI Calculator

What is the maximum loan amount from IndiFi?

For Indifi Business Loans via Bajaj Markets, the maximum loan amount you can take is ₹30,00,000.

Calculating the EMI first helps you understand your monthly financial commitment, which reflects how much you’ll repay each month. It also reveals total interest and total payable amount, enabling better budgeting, comparison of loan offers, and avoiding future repayment stress. Planning reduces surprises and ensures affordability.

You can use the online EMI calculator to calculate the EMI on your Indifi Business Loan. Simply, enter your loan amount, interest rate and tenure to derive it.

Indifi Business Loan can help you finance your business-related needs, for e.g., fund the expansion of your enterprise.

The minimum loan amount that one can get from Indifi is ₹70,000 while the maximum amount is ₹30,00,000.

Yes, the repayment of your Indifi business loan will impact your credit score.

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