Business Loan EMI Calculator: EMI on ₹5 Lakh to ₹10 Crore
By the QuickYield Team · Published August 24, 2026 · 6 min read
What’s the EMI on a ₹30 lakh business loan? At a typical rate of 14% over 5 years, it’s approximately ₹69,805 a month. Below is the full table across loan sizes from ₹5 lakh to ₹10 crore, so you don’t have to run the numbers yourself for your specific amount.
EMI table: ₹5 lakh to ₹10 crore business loan
At 14% interest over a 5-year (60-month) tenure — a representative rate for unsecured business term loans in India:
| Loan amount | Monthly EMI |
|---|---|
| ₹5,00,000 (5 lakh) | ₹11,634 |
| ₹10,00,000 (10 lakh) | ₹23,268 |
| ₹20,00,000 (20 lakh) | ₹46,537 |
| ₹30,00,000 (30 lakh) | ₹69,805 |
| ₹50,00,000 (50 lakh) | ₹1,16,341 |
| ₹1,00,00,000 (1 crore) | ₹2,32,683 |
| ₹5,00,00,000 (5 crore) | ₹11,63,413 |
| ₹10,00,00,000 (10 crore) | ₹23,26,825 |
Your actual rate could sit anywhere from 9% to 24% depending on your business vintage, credit profile, collateral, and lender — a 5-point rate difference on a ₹50 lakh loan changes your EMI by several thousand rupees a month, so treat this table as a starting estimate and confirm your exact quoted rate with our Business Loan EMI Calculator.
How is an SME or working capital loan different?
“SME loan,” “working capital loan,” and “business loan” often get searched as if they’re different products, but the EMI math is identical — what differs is the underlying purpose and sometimes the tenure. A working capital loan is typically shorter-term and meant to cover day-to-day operational gaps (inventory, payroll, receivables), while a standard business term loan is often used for equipment, expansion, or a larger one-time need and can run longer. Both use the same reducing-balance EMI formula once you know the principal, rate, and tenure.
What affects your interest rate?
Lenders price business loans based on your business’s operating history (most want at least 1-3 years), your credit score and any existing loans, whether the loan is secured against collateral (which usually gets a lower rate than unsecured), your industry, and your banking relationship. A newer business with no collateral will typically see rates toward the higher end of the 9-24% range; an established business with a strong credit history and some security can often negotiate meaningfully lower.
Frequently asked questions
›What is the EMI for a 1 crore business loan?
At a typical 14% rate over 5 years, the EMI on a ₹1 crore business loan is approximately ₹2,32,683 per month — though your actual rate could be materially lower or higher depending on your credit profile and collateral.
›What is the EMI for a 30 lakh business loan?
At 14% over 5 years, approximately ₹69,805 per month. At a lower negotiated rate of 11%, the same loan would be closer to ₹65,300 per month — rate matters a lot at this loan size.
›Is a shorter tenure always better for a business loan?
A shorter tenure means a higher EMI but significantly less total interest paid — worth it if your cash flow can absorb the higher monthly payment, since interest is the largest hidden cost on longer business loans.
›Do business loans require collateral?
Not always — many lenders offer unsecured business loans, typically at higher interest rates and lower amounts than a secured loan backed by property, equipment, or other collateral.
Try it yourself
Open the Business Loan EMI Calculator →
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This article is for general information only and isn’t financial, tax, or legal advice. See our disclaimer.