Business Loan Repayment Calculator

Calculates business loan repayment with optional interest-only grace period and balloon payment structures — common features in SME/commercial financing.

Loan Amount

Annual Interest Rate (%)

Loan Tenure (Years)

Grace Period (Interest-Only Months) Common in business loans — months where only interest is paid before regular EMI begins.

Balloon Payment (% of Principal, optional) A lump sum due at the end, reducing the regular EMI.

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Rs. 0

Regular Monthly EMI

Rs. 0

Final Balloon Payment

Formula Reference

Grace period: Monthly Interest-Only Payment = Principal × Monthly Rate
Balloon payment = Principal × Balloon %
Regular EMI is then calculated on (Principal − Balloon Amount) over the remaining amortizing months after the grace period.

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Business Loan Repayment Calculator

Formula Reference

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