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Paytm Business Loan EMI Calculator

Managing business loan repayments is crucial for smooth operations. The Paytm Business Loan EMI Calculator simplifies this by providing a clear view of your monthly payments, helping you plan better and avoid surprises. It’s an easy tool to stay on top of your finances and manage loan repayments effectively.

Your Business Loan EMI

₹ 2,125

Total Interest Amount

₹ 27,482

Principal Amount

₹ 1,00,000

Total Payable Amount

₹ 1,27,482

Loan Amount

Interest Rate

- +

Tenure

- +

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You can also make instant comparisons between loan offers from multiple Business Loan providers on Bajaj Markets.

How to Calculate the EMI for Paytm Business Loan

Calculating the EMI (Equated Monthly Installment) for your Paytm Business Loan helps you manage your finances and plan your business's cash flow. The EMI is the fixed monthly amount that includes both the principal and interest. To calculate it, use the following formula:

EMI = [P × R × (1+R)N] / [(1+R)N – 1]

Where:

P is the principal loan amount (the amount you borrow)
R is the monthly interest rate (annual interest rate divided by 12, then by 100)
N is the loan tenure in months (duration of the loan)

Let’s break down the formula using an example.

Assume you take a business loan of ₹10 Lakh at an interest rate of 10% per annum for 3 years (36 months).

Principal (P) = ₹10,00,000
Annual interest rate = 10%
Monthly interest rate (R) = (10% / 12) / 100 = 0.00833
Tenure (N) = 36 months

Now, plug these values into the EMI formula:

EMI = [10,00,000 × 0.00833 × (1 + 0.00833)36] / [(1 + 0.00833)36 – 1]
EMI = [10,00,000 × 0.00833 × 1.3746] / [1.3746 - 1]
EMI = [10,00,000 × 0.01144] / [0.3746]
EMI = ₹1,14,400 / 0.3746
EMI = ₹3,05,248

So, your EMI for a ₹10 Lakh loan at 10% interest for 36 months would be approximately ₹36,385.

EMI Calculation Based on Loan Tenure

Loan tenure directly affects your EMI amount, total interest payable, and overall repayment. Shorter tenures result in higher monthly EMIs but lower total interest, while longer tenures offer smaller EMIs but higher interest costs. Here's a breakdown of how different tenures impact your loan repayment.

Here’s a breakdown of how the EMI, total interest payable, and total repayment vary with different loan tenures for a ₹10 Lakh loan at 10% interest:

Tenure	EMI	Total Interest Payable	Total Repayment
1 Year (12 months)	₹3,58,083	₹3,97,000	₹43,97,000
2 Years (24 months)	₹1,92,044	₹6,09,000	₹46,09,000
3 Years (36 months)	₹1,36,451	₹9,13,000	₹49,13,000
5 Years (60 months)	₹93,225	₹16,94,000	₹56,94,000

Disclaimer: This table is for illustrative purposes only and provides an approximate calculation of EMI, total interest, and total repayment based on a ₹10 Lakh loan at 10% interest. Actual figures may vary depending on the lender’s terms and conditions.

Benefits of Using the Paytm Business Loan EMI Calculator

Here’s how the Business Loan EMI Calculator can simplify your loan planning and repayment process:

Accurate EMI Estimation

The calculator provides an exact monthly EMI figure, helping you plan your budget effectively.

Flexible Loan Comparison

You can adjust the loan amount and tenure to compare different repayment options.

Easy Financial Planning

It helps you understand the impact of loan repayments on your business’s cash flow before committing.

Time-saving

The calculator saves you time by instantly generating accurate EMI figures without manual calculations.

No Hidden Costs

You’ll have a clear view of your monthly repayment, eliminating any surprises during the loan tenure.

Helps You Avoid Over-borrowing

By showing you the exact EMI amounts, it helps you avoid borrowing more than your business can afford to repay comfortably.

Improved Loan Management

It allows you to easily track and manage your loan repayments, ensuring that you never miss a payment.

Informed Decision-making

It empowers you to make smarter financial decisions by clearly showing how different loan amounts and tenures affect your monthly obligations.

Boosts Loan Approval Chances

With a clear understanding of your EMI, you can choose a tenure that suits your financial situation, increasing the chances of business loan approval.

Customisable Inputs

You can tailor the inputs, such as interest rates and loan tenure, to reflect the most accurate repayment scenario for your business.

Factors Affecting Paytm Business Loan EMIs

Here are the key factors that impact your Paytm Business Loan EMI:

Loan Amount

The higher the loan amount, the higher the EMI, as you will be repaying a larger sum.

Interest Rate

A higher interest rate increases your EMI, as you are charged more for borrowing the same amount.

Loan Tenure

Shorter tenures result in higher EMIs, while longer tenures lower the monthly repayment but increase the total interest paid.

Repayment Frequency

The frequency of your payments (monthly, quarterly, etc.) can affect the EMI calculation, with more frequent payments potentially lowering the EMI.

Processing Fees and Charges

Additional fees charged by the lender may increase the total loan amount, indirectly impacting the EMI.

Prepayment and Part-payment Options

By making prepayments or partial payments, you can decrease the remaining loan balance, which may result in reduced EMIs in the future.

Credit Score

A higher credit score may qualify you for better interest rates, which can help reduce your EMI amount.

Disclaimer

The information and suggestions provided by BFDL hereinabove is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort. The information including interest rates or fees, loan amount and other charges with regard to any product, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

Frequently Asked Questions

Paytm Business Loan EMI Calculator

What is the interest rate for a Paytm Business Loan?

The interest rate for a Paytm Business Loan depends on the lender, your credit profile, and other factors. Rates may vary widely based on your business's financial health, repayment capacity, and tenure. It’s recommended to check with Paytm for specific rates tailored to your needs.

How much business loan can I get from Paytm?

You can avail a Paytm Business Loan of up to ₹10 Lakhs, depending on your business needs, creditworthiness, and repayment capacity. The loan amount is assessed based on your business’s financial health and transaction history with Paytm.

Who is eligible for a Paytm Business Loan?

Eligibility for a Paytm Business Loan typically requires you to be a registered business with a minimum of 1 year in operation, a good credit score, and a stable cash flow. Your business must be actively transacting on Paytm for loan consideration.

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Paytm Business Loan EMI Calculator

₹ 27,482

₹ 1,00,000

₹ 1,27,482

How to Calculate the EMI for Paytm Business Loan

EMI Calculation Based on Loan Tenure

Benefits of Using the Paytm Business Loan EMI Calculator

Accurate EMI Estimation

Flexible Loan Comparison

Easy Financial Planning

Time-saving

No Hidden Costs

Helps You Avoid Over-borrowing

Improved Loan Management

Informed Decision-making

Boosts Loan Approval Chances

Customisable Inputs

Factors Affecting Paytm Business Loan EMIs

Loan Amount

Interest Rate

Loan Tenure

Repayment Frequency

Processing Fees and Charges

Prepayment and Part-payment Options

Credit Score

Disclaimer

Frequently Asked Questions

What is the interest rate for a Paytm Business Loan?

How much business loan can I get from Paytm?

Who is eligible for a Paytm Business Loan?

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