A working capital loan calculator is an online tool that helps you estimate your monthly EMI, total interest and total repayment for a working capital loan based on your loan amount, interest rate and tenure.​

Yes, this working capital loan EMI calculator is completely free to use and you can run unlimited calculations for different working capital loan amounts, rates and tenures.​

You can use this working capital loan calculator for almost any kind of business, including traders, manufacturers, service providers, SMEs and MSMEs across India.​

No, the working capital loan calculator only gives an estimate of EMI and interest; the final offer depends on the lender’s policies, your documents, eligibility and credit profile.​

You can try reducing your working capital loan EMI by choosing a longer tenure, negotiating a lower interest rate or selecting a slightly smaller loan amount that still meets your business needs.

Banks calculate EMI on working capital term loans using the reducing balance method, where interest is charged only on the outstanding principal. EMI depends on the loan amount, interest rate, and tenure. For cash credit or overdraft facilities, interest is usually calculated daily on the utilised amount and debited monthly rather than through fixed EMIs.

Yes. Cash credit and overdraft facilities charge interest only on the amount actually used and calculate it daily. EMI-based working capital loans have fixed monthly repayments that include both principal and interest. Seasonal businesses often prefer cash credit because they can reduce usage during off-season months.

Yes. MSMEs can use this calculator to estimate repayment for GST-linked working capital loans. However, final limits and pricing depend on GST turnover consistency, bank statement analysis, and lender policy. The calculator provides planning estimates, not guaranteed offers.

In many cases, yes. Loans secured by property, machinery, or other assets usually carry lower interest rates than unsecured facilities. Lower interest rates generally reduce EMI or monthly interest outgo, though the final benefit depends on lender risk assessment and collateral valuation.

Banks commonly assess working capital between 20% and 25% of annual turnover as a starting point. The actual sanctioned amount depends on operating cycle length, profit margins, receivable days, banking behaviour, GST filings, and promoter contribution.

Often yes. Banks typically offer lower interest rates but have stricter documentation and approval processes. NBFCs may process faster and accept higher risk profiles, but their interest rates are usually higher. Businesses choose between them based on urgency, profile strength, and collateral availability.