Setting up or expanding an outlet almost always means a loan conversation. This calculator uses the same reducing-balance EMI formula banks and NBFCs use, principal, rate and tenure in, monthly EMI and total interest out, so you can check a lender's quote before you sign.
EMI = P times r times (1+r)^n, divided by [(1+r)^n minus 1], where r is the monthly interest rate and n is the number of monthly installments.
| Loan amount (principal) | 1000000 ₹ |
| Annual interest rate | 12 % |
| Loan tenure | 5 years |
Yes, in total. A longer tenure lowers the monthly EMI but stretches the interest paid over more months, so total interest paid over the life of the loan goes up even though the monthly burden feels lighter.
Convert it first, a flat rate on the original principal is not the same as a reducing-balance annual rate, and a flat rate typically translates to a meaningfully higher effective rate. Ask the lender for the reducing-balance equivalent before comparing offers.
Yes, the EMI math is identical regardless of what the loan funds, only the principal, rate and tenure matter for this calculation.
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