Personal Loan for Small Business — EMI Calculator

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Loan Amount

₹

₹50,000₹20,00,000

Interest Rate (p.a.)

10.0%36.0%

Loan Tenure

12 Mo60 Mo

Monthly EMI

₹34,045

Total Interest

₹2,00,608

Total Payment

₹12,25,608

Get Money for this ₹10,25,000 loan →No app download · Zero CIBIL impact

Monthly EMI

₹34,045

Principal Amount

₹10,25,000 (83.6%)

Total Interest

₹2,00,608 (16.4%)

Amortization Schedule

Year	Principal	Interest	Total Paid	Balance
Year 1	₹3,01,779	₹1,06,761	₹4,08,540	₹7,23,221
Year 2	₹3,40,053	₹68,487	₹4,08,540	₹3,83,168
Year 3	₹3,83,168	₹25,360	₹4,08,540	₹0

By Gaurav Gupta, Credit SpecialistUpdated 24 Jul 2026

₹10,25,000 Loan EMI at Different Rates & Tenures

Monthly EMI for a ₹10,25,000 personal loan across common interest rates and repayment periods.

Rate ↓ / Tenure →	12 mo	24 mo	36 mo	48 mo	60 mo
10%	₹90,114	₹47,299	₹33,074	₹25,997	₹21,778
12%	₹91,070	₹48,250	₹34,045	₹26,992	₹22,801
14%	₹92,032	₹49,213	₹35,032	₹28,010	₹23,850
16%	₹92,999	₹50,187	₹36,036	₹29,049	₹24,926
18%	₹93,972	₹51,172	₹37,056	₹30,109	₹26,028
24%	₹96,924	₹54,193	₹40,214	₹33,417	₹29,487

EMI Example: ₹10,25,000 at 12.5% for 36 Months

Loan Amount: ₹10,25,000

Interest Rate: 12.5% p.a.

Tenure: 36 months

Monthly EMI: ₹34,290

Total Interest: ₹2,09,440

Total Payment: ₹12,34,440

Key Features

✓Faster than business loans

✓No business vintage required

✓Accepts self-employed income

Recommended Lenders for Personal Loan for Small Business

Fullerton India (now SMFG India Credit)

Rate: 12.5%-30%

Amount: up to ₹10,00,000

CIBIL: 700+

Disbursal: 24-48 hours

Calculate EMI →|View Details

Bajaj Finserv

Rate: 10%-30.5%

Amount: up to ₹55,00,000

CIBIL: 650+

Disbursal: 24 hours

Calculate EMI →|View Details

MoneyView

Rate: 14%-36%

Amount: up to ₹10,00,000

CIBIL: 650+

Disbursal: 24 hours

Calculate EMI →|View Details

Home Credit

Rate: 21%-39.5%

Amount: up to ₹4,80,000

CIBIL: Not required

Disbursal: 48 hours

Calculate EMI →|View Details

Popular with borrowers

₹50,000 loan without CIBIL →₹2,000 loan without CIBIL →Loan apps for low CIBIL score →Loan apps for 400 CIBIL score →

Frequently Asked Questions

What is the EMI for a personal loan for business?

For a ₹10,25,000 personal loan for business at 12.5% interest for 36 months, the EMI is approximately ₹34,290 per month. Total interest: ₹2,09,440. Adjust the calculator above to match your specific needs.

What is the typical loan amount for personal loan for small business?

Personal Loan for Small Business amounts typically range from ₹50,000 to ₹20,00,000, with the most common tenure being 12-60 months. The exact amount you qualify for depends on your income, credit score, and existing obligations.

Which lender is best for personal loan for small business?

Top recommended lenders include Fullerton India (now SMFG India Credit) (from 12.5%), Bajaj Finserv (from 10%), MoneyView (from 14%). The best lender for you depends on your credit profile — GoCredit compares 100+ lenders simultaneously.

Do I need collateral for personal loan for small business?

No. Personal loans are unsecured — you do not need to pledge any property, gold, or assets as collateral. Approval is based on your income, credit score, and repayment capacity. This makes personal loans faster to get than secured loans like home or gold loans.

How fast can I get a personal loan for business?

Many lenders disburse personal loans within 24-48 hours. Among recommended lenders, Fullerton India (now SMFG India Credit) offers disbursal in 24-48 hours. Digital lenders often have same-day disbursal for approved applicants.