EMI on a ₹1 crore business loan
The table shows the monthly EMI on ₹1 crore at a few illustrative interest rates and tenures, worked out with the standard reducing-balance formula.
| Tenure | EMI at 14% | EMI at 18% | EMI at 22% |
|---|---|---|---|
| 12 months | ₹8,97,871 | ₹9,16,800 | ₹9,35,944 |
| 24 months | ₹4,80,129 | ₹4,99,241 | ₹5,18,782 |
| 36 months | ₹3,41,776 | ₹3,61,524 | ₹3,81,905 |
| 48 months | ₹2,73,265 | ₹2,93,750 | ₹3,15,061 |
| 60 months | ₹2,32,683 | ₹2,53,934 | ₹2,76,189 |
At 18%, choosing 60 months instead of 12 lowers the EMI but raises the total interest from about ₹10,01,599 to about ₹52,36,056. The rates here are examples only; your rate depends on the lender and your profile. Try other numbers in the calculator below or read how EMI is calculated.
Who borrows ₹1 crore
₹1 crore is a large-ticket loan for a factory expansion, several outlets, or a long-term contract that needs working capital.
What to watch at ₹1 crore
Expect a full credit appraisal: audited financials for two to three years, GST and ITR records, projections for the new capacity and the debt-service coverage — whether profits cover all loan repayments with a margin. Most lenders want collateral at this size. Prepare your MSME documents before you apply.
₹1 crore compared with nearby amounts
At an illustrative 18% for 36 months:
| Amount | EMI | Total interest |
|---|---|---|
| ₹50 lakh | ₹1,80,762 | ₹15,07,431 |
| ₹1 crore (this page) | ₹3,61,524 | ₹30,14,862 |
Eligibility
Lenders look at business vintage, turnover, banking history, GST and ITR filings, existing debt and the owner's credit record. The EMI of about ₹3,61,524 (18%, 36 months) should fit comfortably within the business's monthly surplus, including in slow months. See business loan eligibility.
Documents and how to apply
You'll usually need PAN and KYC of the owner and business, business proof (Udyam, GST, licence or incorporation documents), ITR or financials and 6 to 12 months of bank statements — see the documents checklist. With Oxon Fintech you fill in one short application, share bank statements digitally through Account Aggregator with your consent, and see the offers from our lending partners that fit your profile. Read the lender's Key Fact Statement before you accept; the lender pays the money into your bank account.