Working Capital Loan EMI Calculator.

Funding day-to-day operating needs — paying suppliers, covering payroll, managing seasonal cash flow gaps — rather than a specific capital purchase. It's meant to bridge the timing gap between when a business pays its costs and when it collects revenue.

A fixed-tenure term loan (calculated here) suits a one-time, known cash need. If your requirement is recurring or unpredictable, an overdraft or cash-credit facility — where you pay interest only on the amount drawn — is often more cost-efficient. See our Overdraft Facility Calculator to compare.