₹30 lakh ke loan ki EMI
| Tenure | 14% par EMI | 18% par EMI | 22% par EMI |
|---|---|---|---|
| 12 mahine | ₹2,69,361 | ₹2,75,040 | ₹2,80,783 |
| 24 mahine | ₹1,44,039 | ₹1,49,772 | ₹1,55,634 |
| 36 mahine | ₹1,02,533 | ₹1,08,457 | ₹1,14,571 |
| 48 mahine | ₹81,979 | ₹88,125 | ₹94,518 |
| 60 mahine | ₹69,805 | ₹76,180 | ₹82,857 |
18% par 12 ki jagah 60 mahine chunne se EMI ghatti hai, lekin kul byaaj lagbhag ₹3,00,480 se badh kar lagbhag ₹15,70,817 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.
₹30 lakh ka loan kaun leta hai
₹30 lakh se aam taur par restaurant ka fit-out, naya outlet, sale season se pehle e-commerce seller ka stock, ya capacity ka expansion hota hai.
₹30 lakh par kin baaton ka dhyaan rakhein
Pehle tay karein ki aapko term loan chahiye ya working capital: term loan ek baar kharidi jaane wali cheez ke liye theek hai, jabki credit line ghoomte stock ke liye. Is amount par lenders aapka business credit score (CMR) bhi dekhte hain.
₹30 lakh aur aas-paas ki amounts ka comparison
Example ke liye 18% par 36 mahine ke liye:
| Amount | EMI | Kul byaaj |
|---|---|---|
| ₹20 lakh | ₹72,305 | ₹6,02,972 |
| ₹30 lakh (yeh page) | ₹1,08,457 | ₹9,04,459 |
| ₹50 lakh | ₹1,80,762 | ₹15,07,431 |
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 ₹1,08,457 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.