₹1 crore business loan EMI calculator
The monthly EMI on a ₹1 crore business loan at every common interest rate and tenure, what it costs in total, and the salary you need to qualify. Change any number below to match your offer.
The short answer
The EMI on a ₹1 crore business loan at 15% for 5 years is ₹2,37,899 per month. Over the full term you pay ₹1,42,73,958: ₹1,00,00,000 principal plus ₹42,73,958 interest.
Monthly EMI
₹2,37,899
Total interest
₹42,73,958
Total payable
₹1,42,73,958
EMI = P·r·(1+r)ⁿ / ((1+r)ⁿ−1). Estimates only - confirm exact figures with your lender.
₹1 crore business loan EMI by rate and tenure
Monthly EMI. Rates are a typical range, not a quote from any bank.
| Tenure | 11% | 13% | 15% | 17% | 19% |
|---|---|---|---|---|---|
| 1 yr | ₹8,83,817 | ₹8,93,173 | ₹9,02,583 | ₹9,12,048 | ₹9,21,566 |
| 2 yrs | ₹4,66,078 | ₹4,75,418 | ₹4,84,866 | ₹4,94,423 | ₹5,04,086 |
| 3 yrs | ₹3,27,387 | ₹3,36,940 | ₹3,46,653 | ₹3,56,527 | ₹3,66,560 |
| 5 yrs | ₹2,17,424 | ₹2,27,531 | ₹2,37,899 | ₹2,48,526 | ₹2,59,406 |
| 7 yrs | ₹1,71,224 | ₹1,81,920 | ₹1,92,968 | ₹2,04,358 | ₹2,16,080 |
How tenure changes the total cost
| Tenure | EMI | Total interest | Total payable |
|---|---|---|---|
| 1 yr | ₹9,02,583 | ₹8,30,997 | ₹1,08,30,997 |
| 2 yrs | ₹4,84,866 | ₹16,36,796 | ₹1,16,36,796 |
| 3 yrs | ₹3,46,653 | ₹24,79,518 | ₹1,24,79,518 |
| 5 yrs | ₹2,37,899 | ₹42,73,958 | ₹1,42,73,958 |
| 7 yrs | ₹1,92,968 | ₹62,09,274 | ₹1,62,09,274 |
At 15%, choosing 1 year instead of 7 saves ₹53,78,276 in interest. A 0.5% lower rate saves about ₹2,616 a month on a 5-year term, so it is worth negotiating.
Salary needed for a ₹1 crore business loan
Lenders usually keep your total EMIs within 40-50% of net monthly income (called FOIR). For a ₹2,37,899 EMI you need a take-home salary of at least ₹4,75,799, and around ₹5,94,748 to stay comfortable. Existing EMIs reduce what you can borrow.
Year-by-year breakdown
₹1 crore business loan at 15% for 5 years.
| Year | Principal paid | Interest paid | Balance left |
|---|---|---|---|
| 1 | ₹14,51,926 | ₹14,02,866 | ₹85,48,074 |
| 2 | ₹16,85,329 | ₹11,69,462 | ₹68,62,745 |
| 3 | ₹19,56,254 | ₹8,98,538 | ₹49,06,491 |
| 4 | ₹22,70,730 | ₹5,84,061 | ₹26,35,761 |
| 5 | ₹26,35,761 | ₹2,19,031 | ₹0 |
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Frequently asked questions
What is the EMI for a ₹1 crore business loan for 5 years?+
At 15% p.a., the EMI on a ₹1 crore business loan for 5 years is ₹2,37,899 per month. You repay ₹1,42,73,958 in total, of which ₹42,73,958 is interest.
How much salary do I need for a ₹1 crore business loan?+
Most lenders keep your total EMIs within 40-50% of net monthly income. For a ₹2,37,899 EMI that means a take-home salary of at least ₹4,75,799, and ₹5,94,748 or more to be comfortable (assuming no other EMIs).
How much interest will I pay on a ₹1 crore business loan?+
At 15%, total interest is ₹8,30,997 over 1 year and ₹62,09,274 over 7 years. A shorter tenure raises the EMI but cuts the interest sharply.
How much does a 0.5% lower rate save on a ₹1 crore business loan?+
Dropping from 15% to 14.5% lowers the EMI by about ₹2,616 a month, or ₹1,56,989 over 5 years.
Other business loan amounts
Same amount, different loan: ₹1 crore home loan
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