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LOAN EMI CALCULATOR

FUTURES
  • Build your future with a Home loan
  • Advance your career with professional loan
  • Secure your Land with plot loan
  • Empower your business with Business Loan
  • Empower your future with personal Loan
  • Drive your academic dream with Education Loan
  • Unlock your financial dream with our mortage Loan
REACH US





    TYPES OF LOANS

    MSME

    MSME loans provide financial support to small and medium businesses for working capital, expansion, machinery purchase, and growth with flexible repayment options.

    TERM LOAN

    A term loan provides a fixed amount of funds for business or personal needs, repaid over a specified period with agreed interest and structured installments.

    INVOICE DISCOUNTING

    Invoice discounting allows businesses to receive immediate cash by selling unpaid invoices to lenders, improving cash flow without waiting for customer payment cycles.

    CASH ADVANCE

    A cash advance provides quick access to funds based on future sales or income, helping businesses meet short-term expenses and manage immediate cash flow needs.

    WORKING CAPITAL

    Working capital finance supports daily business operations by funding inventory, salaries, and expenses, ensuring smooth cash flow and uninterrupted business activities.

    PERSONAL

    A personal loan offers quick, unsecured funds for individual needs like emergencies, travel, or education, with flexible repayment terms and minimal documentation.

    HOUSING

    A housing loan helps individuals purchase, construct, or renovate a home with long-term repayment options, affordable interest rates, and structured EMIs.

    VEHICLE

    A vehicle loan provides financial assistance to purchase new or used vehicles, offering affordable interest rates, flexible repayment tenures, and quick approval.

    HOW IT WORKS

    Application submit

    Customer shares profile details via WhatsApp, form, or direct call.

    Review & Verification

    Our experts analyze the profile, check CIBIL, and identify suitable bank options.

    Loan Approval

    We negotiate with banks and ensure fast approval with best terms.

    Loan disbursement

    Loan amount is credited directly to customer account, followed by support for documentation and closure

    A Business Loan provides financial support for business expansion, working capital, purchasing equipment, managing cash flow, starting a new venture, or meeting other business requirements. At BizAdvisor, we provide professional guidance on business loan options, eligibility, loan amount, interest rates, repayment tenure, documentation, and application procedures. We assist startups, MSMEs, entrepreneurs, self-employed professionals, and established businesses in understanding suitable financing options based on their requirements and financial profile. Our objective is to simplify the loan process and help businesses plan their funding requirements effectively. Contact BizAdvisor today to discuss your business funding needs, subject to lender eligibility, assessment, and approval.

    Documents

    KYC Documents

    • PAN card
    • Aadhaar card
    • Passport-size photographs (3 copies)

    Business Income & Banking

    • IT returns — last 3 years
    • Balance sheet, computation & P&L — last 3 years
    • Bank statements — last 12 months (current & savings)
    • Business proof — Gumasta / Udhyog Aadhaar / GST certificate
    • Business address proof — light bill or rent agreement

    Address Proof

    • Latest electricity bill
    • Rent agreement (if rented)

    Tip: Share scanned copies with us first — we check your file against your lender’s checklist before you submit, at no charge.

    Eligibility criteria

    1. Diverse Options for Business Loans: When seeking a business loan, each bank offers varying interest rates, tenures, and criteria. Your loan amount and interest rate depend on your profile, encompassing factors like your company, take-home salary, average bank balance, designation, and CIBIL score. Banks usually grant loans based on multiples of your net take-home salary, typically ranging from 7 to 18 times.
    2. Consider the Balance Transfer Scheme: If you wish to relieve the burden of high interest rates or consolidate multiple EMIs into one, the Balance Transfer Scheme can be a game-changer. This scheme provides a chance to secure a new loan with lower interest rates and processing fees. By utilizing this scheme, you can manage a single EMI despite obtaining new funds.
    3. Discover Special Schemes: Every bank and NBFC offers unique policies for business loans, often considering different factors for eligibility. Special schemes cater to diverse situations, even accommodating those who may be overleveraged. These institutions frequently introduce new schemes featuring varying loan amounts, processing fees, and interest rates. It’s advantageous to seize the right scheme promptly.
    4. Differentiating Prepayment and Regular Loans: In the market, there are loans with and without prepayment options, each having distinct interest rates. Choose between them based on your loan purpose, repayment capacity, savings strategy, and additional income sources. Deciding if you can make prepayments before the tenure concludes is crucial for optimizing your loan choice.
    5. Understanding Flat Rate and Reducing Rate: Differentiating between flat interest rates and reducing interest rates is pivotal. While they yield the same effective interest rate, the calculation method varies. A flat rate multiplied by 1.75 equals the reducing rate. For example, if the flat rate is 10%, the reducing rate would be 10% * 1.75 = 17.5% annually. This understanding ensures informed decisions and prevents misunderstandings caused by misinterpretations.
    • Submit Currently Running Loan Statement of account (If Any).
    • Submit all Documents in Hardcopy Togather.
    • Also Mail US all Softcopy on PDF File on rameshyagati@bizadvisor.in
     

    A Personal Loan provides convenient financial support for various personal needs such as medical expenses, education, family requirements, travel, home renovation, debt consolidation, or other planned expenses. At BizAdvisor, we provide professional guidance on personal loan options, eligibility, loan amount, tenure, interest rates, EMI, documentation, and application procedures. We help salaried professionals, self-employed individuals, and eligible applicants understand their financing options based on their financial profile and requirements. Our objective is to make the loan process simple, transparent, and convenient. Contact BizAdvisor today to discuss your personal loan requirement and understand the available options, subject to lender approval and applicable terms.

     
    Documents

    A Vehicle Loan helps individuals and businesses finance the purchase of a new or used vehicle without paying the entire cost upfront. At BizAdvisor, we provide professional guidance for car, commercial vehicle, and other eligible vehicle financing requirements. We assist customers in understanding loan eligibility, loan amount, interest rates, repayment tenure, EMI, documentation, and application procedures. Our team helps salaried professionals, self-employed individuals, entrepreneurs, and businesses explore suitable financing options based on their requirements and financial profile. With a simple and transparent approach, BizAdvisor aims to make the vehicle financing process easier and more convenient. Contact us today to discuss your vehicle loan requirement, subject to lender approval and applicable terms.

    A Loan Against Property (LAP) allows property owners to access funds by offering eligible residential or commercial property as security for the loan. It can be used for business expansion, working capital, education, medical expenses, debt consolidation, or other legitimate financial requirements. At BizAdvisor, we provide guidance on loan eligibility, property requirements, loan amount, interest rates, tenure, EMI, documentation, and application procedures. We assist individuals, self-employed professionals, entrepreneurs, and businesses in understanding suitable financing options based on their requirements. Our objective is to make the LAP process simple and transparent. Contact BizAdvisor to discuss your funding requirement, subject to lender assessment, property valuation, eligibility, and approval.

    A Term Loan provides businesses with structured financing for specific long-term requirements such as expansion, machinery purchase, infrastructure development, technology upgrades, or other capital investments. At BizAdvisor, we provide professional guidance on term loan options, eligibility, loan amount, interest rates, repayment tenure, EMI, documentation, and application procedures. We assist startups, MSMEs, entrepreneurs, self-employed professionals, and established businesses in understanding financing requirements and planning their borrowing effectively. Our objective is to simplify the loan process and help businesses choose suitable funding options based on their financial needs and repayment capacity. Contact BizAdvisor today to discuss your term loan requirement, subject to lender assessment and approval.

    At BizAdvisor, we provide professional home loan consultancy to help you make informed decisions when purchasing or constructing your dream home. We assist with understanding loan eligibility, EMI, tenure, interest rates, documentation and application procedures. Our services include guidance for home purchase, house construction, balance transfer and eligible top-up requirements. We help salaried professionals, self-employed individuals, entrepreneurs and business owners understand suitable financing options based on their requirements. With a practical and transparent approach, BizAdvisor supports you throughout the loan process. Contact us today to discuss your home loan requirement and take the next step toward owning your dream home.
    Item #1

    KYC Documents

    • PAN card
    • Aadhaar card
    • Passport-size photographs (3 copies)

    Income — Salaried

    • Salary slips — last 6 months
    • Form 16 — last 2 years
    • Bank statements — last 12 months (salary account)
    • Company ID card
    • Appointment / offer letter

    Income — Self-employed / Business

    • IT returns — last 3 years
    • Balance sheet, computation & P&L — last 3 years
    • Bank statements — last 12 months (current & savings)
    • Business proof — Gumasta / Udhyog Aadhaar / GST certificate
    • Business address proof — light bill or rent agreement
    • Property papers (master file)

    Address Proof

    • Latest electricity bill
    • Rent agreement (if rented)

    Existing Loans (if any)

    • Loan account statement — last 12 months
    • Sanction letter of current loan

    Tip: Share scanned copies with us first — we check your file against your lender’s checklist before you submit, at no charge.

     

    For Salaried Individuals (Normal Profile)

    1. Indian citizenship is a must.
    2. Age should be between 21 to 55 years.
    3. Employment with Limited, Pvt. Ltd, Government, LLP, MNC, and certain other companies.
    4. Minimum 6 months with the current company and 3 years overall (exceptions for Cat A companies).
    5. Salary account required with ECS/NEFT salary credits.
    6. Deductions like PF, PT, TDS from salary are needed.
    7. CIBIL score of 700 or above.

    For Salaried Individuals (Affordable Profile)

    1. Indian citizenship is a must.
    2. Age should be between 21 to 55 years.
    3. Employment with Limited, Pvt. Ltd, Government, LLP, MNC, and certain other companies.
    4. Minimum 6 months with the current company and 3 years overall (exceptions for Cat A companies).
    5. ECS, NEFT, IMPS, or Bank Transfer salary credits, including cash salary.
    6. Minimum salary of Rs. 15,000/- (Rs. 25,000/- for cash salary).
    7. CIBIL score of 600 or above.

    For Self-Employed Individuals (Prime Profile)

    1. Minimum 4-year-old business (complete 3 financial years).
    2. Minimum turnover of more than Rs. 5 lakhs.
    3. Various business categories accepted.
    4. Loan amount calculation follows the DSTR calculator.
    5. 1-year-old current account required.
    6. Loan amount based on average IT Return of last two years.
    7. CIBIL score of 700 or above.

    For Self-Employed Individuals (Affordable Profile)

    1. Minimum 3-year-old business (complete 2 financial years).
    2. Minimum turnover of more than Rs. 5 lakhs.
    3. Multiple business categories accepted.
    4. 1-year-old current or savings account required.
    5. Average IT Return determines loan amount.
    6. CIBIL score of 600 or above.
    • Self-Attestation RequiredPlease ensure that all necessary documents are self-attested by each individual separately.
    • Hardcopy SubmissionKindly submit all your documents in hardcopy format together.
    • Softcopy via EmailAdditionally, please email us all the softcopies of the documents in PDF format to rameshyagati@bizadvisor.in
    •  

    An Education Loan helps students and families finance higher education in India or abroad, including tuition fees, examination fees, accommodation, books, travel, and other eligible educational expenses. At BizAdvisor, we provide professional guidance on education loan options, eligibility, loan amount, interest rates, repayment tenure, documentation, and application procedures. We assist students and parents in understanding suitable financing options based on the course, institution, and financial requirements. Our objective is to make the education financing process simple and transparent, helping students pursue their academic and career goals with greater financial confidence. Contact BizAdvisor to discuss your education loan requirement, subject to lender eligibility and approval.

     
    FAQ's
    What is a personal loan?

    A personal loan is an unsecured loan used for personal needs like medical expenses, travel, education, or debt consolidation.

    Salaried individuals, self-employed professionals, and business owners with a stable income and good credit score are eligible.

    Basic documents include ID proof, address proof, income proof, bank statements, and recent photographs.

    Personal loans usually have flexible repayment tenures ranging from 12 to 60 months.

    No, personal loans are unsecured and do not require any collateral or security.

    A business loan is financial assistance provided to support business needs such as expansion, working capital, machinery purchase, or cash flow management.

    Small, medium, and large business owners, self-employed professionals, startups, and MSMEs with a stable business profile are eligible.

    Common documents include KYC, business registration proof, GST returns, income tax returns, bank statements, and financial statements.

    Repayment tenure typically ranges from 12 months to 7 years, depending on loan type and lender policies.

    Collateral may or may not be required. Many MSME and working capital loans are available without collateral.

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