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MSME Loan Calculator

MSME Loan EMI calculator can help you estimate what you would have to pay for a specific loan amount. Principal and interest make up this monthly installment. The amount you need to pay can be changed by changing one variable or decreasing another. An applicant must provide three basic loan details, including loan amount, interest rate, and repayment tenure, to obtain instant results. Depending on the applicant's profile and business needs, banks may offer different amounts and interest rates.

Loan Amount is



No. of Month is



Rate of Interest (ROI) is



Monthly EMI

Total Interest

Payable Amount

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This monthly installment is made up of the principal amount and the interest amount that has been accrued.

There are two methods for calculating an MSME loan’s EMI.

The simplest, quickest, and most straightforward approach to figuring out monthly installments is to utilize an MSME loan interest rate calculator. All you have to do here is enter the values for the three major components, and the outcome is created automatically in seconds.

Flat Interest Rate Calculation

EMI = (principal + total interest payable) / loan tenure (Months)

Total interest payable = P x R x N / 100

Floating Interest Rate Calculation

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

‘P’ is the principal loan amount.

‘R’ is the interest rate.

‘N’ is the loan tenure in months.

Elements Affecting Your MSME Loan EMIs

The interest rate on an MSME loan is affected by a variety of factors. Knowing about these factors will help you get the most competitive interest rate on MSME Loans.

Credit Score: - Applicants have a credit score of 650 and above to reduce the interest rates on the amount.

Occupation: - Applicant must be a salaried individual, self-employed individual, or a business owner with the ownership documents.

Repayment History: - Having an excellent repayment history helps you to increase your business loan eligibility and help you to get a lower interest rate.

Stable Income: - Having a steady income makes it easier to pay back the loan. With a higher income, you have a greater chance of getting low-interest business loans.


How To Reduce EMIs On A ?

There are a few ways to reduce the professional loan EMI amount.

  • Opt for a smaller sanction
  • Choose a longer tenure
  • Negotiate for a lower interest rate
  • Prepay the professional loan at least once during the tenure.

Before trying any of these tactics, be sure to use a professional loan calculator and conduct a thorough cost-benefit analysis.


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