₹20 lakh ke loan ki EMI
| Tenure | 14% par EMI | 18% par EMI | 22% par EMI |
|---|---|---|---|
| 12 mahine | ₹1,79,574 | ₹1,83,360 | ₹1,87,189 |
| 24 mahine | ₹96,026 | ₹99,848 | ₹1,03,756 |
| 36 mahine | ₹68,355 | ₹72,305 | ₹76,381 |
| 48 mahine | ₹54,653 | ₹58,750 | ₹63,012 |
| 60 mahine | ₹46,537 | ₹50,787 | ₹55,238 |
18% par 12 ki jagah 60 mahine chunne se EMI ghatti hai, lekin kul byaaj lagbhag ₹2,00,320 se badh kar lagbhag ₹10,47,211 ho jaata hai. Yeh rates sirf example hain; aapka rate lender aur aapki profile par depend karta hai. Apne numbers neeche ke calculator mein try karein.
₹20 lakh ka loan kaun leta hai
₹20 lakh aksar machinery ki kharid, kisi vyapari ya distributor ka bada stock, ya unit ka pehla expansion hota hai.
₹20 lakh par kin baaton ka dhyaan rakhein
Mudra ki Tarun Plus category ₹20 lakh tak hai, lekin sirf unke liye jinhone Tarun loan lekar chukaya ho (Budget 2024-25 mein jodi gayi). Machinery ke liye equipment se juda loan bina girvi wale loan se sasta ho sakta hai. Lenders aapke bank statements mein stable credits aur chal rahi EMIs dekhenge.
₹20 lakh aur aas-paas ki amounts ka comparison
Example ke liye 18% par 36 mahine ke liye:
| Amount | EMI | Kul byaaj |
|---|---|---|
| ₹10 lakh | ₹36,152 | ₹3,01,486 |
| ₹20 lakh (yeh page) | ₹72,305 | ₹6,02,972 |
| ₹30 lakh | ₹1,08,457 | ₹9,04,459 |
Eligibility
Lenders business kitne time se chal raha hai, turnover, banking history, GST aur ITR, chal rahe karz aur owner ka credit record dekhte hain. Lagbhag ₹72,305 ki EMI (18%, 36 mahine) business ki monthly bachat mein aaram se fit honi chahiye, dheeme mahino mein bhi. Dekhein business loan eligibility.
Documents aur apply karne ka tareeka
Aam taur par owner aur business ka PAN aur KYC, business proof (Udyam, GST, licence ya company ke documents), ITR ya accounts aur 6 se 12 mahine ke bank statements chahiye — dekhein documents ki list. Oxon Fintech ke saath aap ek chhota application bharte hain, apni consent se Account Aggregator ke zariye bank statements digitally share karte hain, aur hamare lending partners ke woh offers dekhte hain jo aapki profile se match karte hain. Accept karne se pehle lender ka Key Fact Statement padhein; paisa lender seedha aapke bank account mein bhejta hai.